UnitedHealthcare UHC | UBH Therapists in Germantown, MD
![Photo of Dr. Shannon Howard, PsyD, LCPC, LPC, CSOTP](https://photos.psychologytoday.com/225c2e10-3f72-46cf-83f2-b00f2f3204e4/1/320x400.jpeg)
Dr. Shannon Howard
Licensed Clinical Professional Counselor, PsyD, LCPC, LPC, CSOTP
Verified Verified
Germantown, MD 20876 (Online Only)
She believes that every client is unique in their own way and that each person’s story is different. This is the catalyst behind her coaching methodology. Using targeted strategies and personalized coaching approaches, she works with couples and individuals to help them transition from victim to victor. Dr. Howard helps clients face their past trauma by uncovering and resolving the root issue, assess desired outcomes, and implement a plan of action that leads them toward living a more optimal life experience.
She believes that every client is unique in their own way and that each person’s story is different. This is the catalyst behind her coaching methodology. Using targeted strategies and personalized coaching approaches, she works with couples and individuals to help them transition from victim to victor. Dr. Howard helps clients face their past trauma by uncovering and resolving the root issue, assess desired outcomes, and implement a plan of action that leads them toward living a more optimal life experience.
![Photo of Beth Adamo, LCSW-C, MPA, Clinical Social Work/Therapist](https://photos.psychologytoday.com/349ae96a-6b50-4344-b126-2cb0f19feaef/1/320x400.jpeg)
Beth Adamo
Clinical Social Work/Therapist, LCSW-C, MPA
Verified Verified
Germantown, MD 20876 (Online Only)
Let's be honest. Life can get messy, confusing and even scary at times. None of us are immune to it. If you're struggling to navigate your problems, thoughts, emotions, or relationships that are weighing you down, let's talk! Your feelings and dreams matter. You matter. You are not a failure. As a seasoned LCSW, my best strengths lie in my abilities to cultivate genuine connections, create a supportive environment, and help you strategize ways that will empower you on your journey towards healing and self-discovery.
Let's be honest. Life can get messy, confusing and even scary at times. None of us are immune to it. If you're struggling to navigate your problems, thoughts, emotions, or relationships that are weighing you down, let's talk! Your feelings and dreams matter. You matter. You are not a failure. As a seasoned LCSW, my best strengths lie in my abilities to cultivate genuine connections, create a supportive environment, and help you strategize ways that will empower you on your journey towards healing and self-discovery.
![Photo of Kimberly Johnson, LCPC](https://photos.psychologytoday.com/98b58472-2c37-4c1d-8416-dd3e6dbcd691/2/320x400.png)
Kimberly Johnson
Licensed Clinical Professional Counselor, LCPC
Verified Verified
Germantown, MD 20876 (Online Only)
Thank you for stopping by to read my profile! We can all agree that life brings challenges and is sometimes tricky, but therapy is rewarding. I imagine you are here because you want to make a change. You may seek relief from something weighing on you or be ready to explore making changes to bring more joy and fulfillment.
Thank you for stopping by to read my profile! We can all agree that life brings challenges and is sometimes tricky, but therapy is rewarding. I imagine you are here because you want to make a change. You may seek relief from something weighing on you or be ready to explore making changes to bring more joy and fulfillment.
![Photo of Kassandra Barry, LCSW, LCSW-C, Clinical Social Work/Therapist](https://photos.psychologytoday.com/045df33b-3319-4999-8608-afb7bf2ebb46/1/320x400.jpeg)
Kassandra Barry
Clinical Social Work/Therapist, LCSW, LCSW-C
Verified Verified
1 Endorsed
Germantown, MD 20876 (Online Only)
Greetings, I'm Kassandra Barry, a licensed clinical social worker available in Maryland, Virginia, and DC. Specializing in trauma, I help individuals navigate life's challenges, addressing concerns like mood, anxiety, relationships, and self-care. While many clients face PTSD, my support extends to anyone seeking understanding, seeking to enhance their lives, and fostering a sense of value and respect. I prioritize creating a space where you can be heard and supported. Your journey to improved well-being begins here.
Greetings, I'm Kassandra Barry, a licensed clinical social worker available in Maryland, Virginia, and DC. Specializing in trauma, I help individuals navigate life's challenges, addressing concerns like mood, anxiety, relationships, and self-care. While many clients face PTSD, my support extends to anyone seeking understanding, seeking to enhance their lives, and fostering a sense of value and respect. I prioritize creating a space where you can be heard and supported. Your journey to improved well-being begins here.
![Photo of Audrey Elkinson, LCSW, Clinical Social Work/Therapist](https://photos.psychologytoday.com/2d84947c-4ffe-47a5-816e-ea418426df5f/2/320x400.jpeg)
Audrey Elkinson
Clinical Social Work/Therapist, LCSW
Verified Verified
Germantown, MD 20874 (Online Only)
Audrey Elkinson is a Licensed Certified Clinical Social Worker and Board-Certified Art Therapist (LCSW-C, ATR-BC)with more than 10 years of professional experience working with children, teens, and adults who have been struggling to cope with anxiety, depression, family conflict, dysfunctional relationships, behavioral issues, poor coping skills, oppositional defiance disorder, low self-esteem, women's issues, chronic stress, and more. Audrey received her Master's degree in Social Work from the University of Maryland, where she was a research assistant to the Financial Social Work Initiative.
Audrey Elkinson is a Licensed Certified Clinical Social Worker and Board-Certified Art Therapist (LCSW-C, ATR-BC)with more than 10 years of professional experience working with children, teens, and adults who have been struggling to cope with anxiety, depression, family conflict, dysfunctional relationships, behavioral issues, poor coping skills, oppositional defiance disorder, low self-esteem, women's issues, chronic stress, and more. Audrey received her Master's degree in Social Work from the University of Maryland, where she was a research assistant to the Financial Social Work Initiative.
![Photo of Stanley Tamale - Stanley Tamale Counseling Services, LCPC](https://photos.psychologytoday.com/2d752f3a-bd4f-4053-9766-3ad6e969afbf/3/320x400.jpeg)
Stanley Tamale Counseling Services
Licensed Clinical Professional Counselor, LCPC
Verified Verified
Germantown, MD 20874 (Online Only)
Stanley Tamale is a Licensed Professional Counselor in state of Maryland specializing in adult, adolescent and group counseling. Stanley completed his Masters degree at the Grand Canyon University and his bachelor's in psychology from the University of North Texas. Stanley has extensive experience treating disturbances such as substance abuse, anger, depression anxiety and mood disorders. Stanley has provided counseling and education services to teenagers and adults struggling with substance abuse and dual diagnosis disorders. Stanley's therapeutic models include Cognitive Behavioral Therapy and Solution focused Therapy.
Stanley Tamale is a Licensed Professional Counselor in state of Maryland specializing in adult, adolescent and group counseling. Stanley completed his Masters degree at the Grand Canyon University and his bachelor's in psychology from the University of North Texas. Stanley has extensive experience treating disturbances such as substance abuse, anger, depression anxiety and mood disorders. Stanley has provided counseling and education services to teenagers and adults struggling with substance abuse and dual diagnosis disorders. Stanley's therapeutic models include Cognitive Behavioral Therapy and Solution focused Therapy.
![Photo of Kristen Woollery, LMSW, Clinical Social Work/Therapist](https://photos.psychologytoday.com/64ee7680-2ff7-49ff-abf5-ec26c0419632/1/320x400.png)
Kristen Woollery
Clinical Social Work/Therapist, LMSW
Verified Verified
Germantown, MD 20875 (Online Only)
Do you find yourself constantly anxious? Overthinking everything? Overwhelmed or stressed? Feeling like things are spiraling out of control? Uncertain of yourself or where life is going? Is it affecting your life, career, self-esteem, decisions, and relationships? Have you tried everything you could think of on your own and STILL feeling anxious, depressed, overwhelmed, or just STUCK on what's next? Well let me support you so you do not have to do it alone!
Do you find yourself constantly anxious? Overthinking everything? Overwhelmed or stressed? Feeling like things are spiraling out of control? Uncertain of yourself or where life is going? Is it affecting your life, career, self-esteem, decisions, and relationships? Have you tried everything you could think of on your own and STILL feeling anxious, depressed, overwhelmed, or just STUCK on what's next? Well let me support you so you do not have to do it alone!
![Photo of Kendra E Woolley, LCSW-C, Clinical Social Work/Therapist](https://photos.psychologytoday.com/83fcc36c-7102-4bd9-a883-3b7db1bdcf46/1/320x400.jpeg)
Kendra E Woolley
Clinical Social Work/Therapist, LCSW-C
Verified Verified
1 Endorsed
Germantown, MD 20876
Kendra specializes in helping clients with anxiety, depression, ADHD, and trauma. Her experience also included helping those who have experienced emotional and physical abuse, sexual trauma, parental/caregiver substance abuse issues, and an array of family issues.
Kendra specializes in helping clients with anxiety, depression, ADHD, and trauma. Her experience also included helping those who have experienced emotional and physical abuse, sexual trauma, parental/caregiver substance abuse issues, and an array of family issues.
![Photo of Adrienne Gardner, LCSW -C, Clinical Social Work/Therapist](https://photos.psychologytoday.com/a68053bf-2728-44b2-8819-0a2939d827a0/1/320x400.jpeg)
Adrienne Gardner
Clinical Social Work/Therapist, LCSW -C
Verified Verified
Germantown, MD 20876 (Online Only)
Hello all! I’m a mental health professional with over 15 years of experience. I’m from Washington, DC area and graduated from Howard University and The University of Maryland School of Social Work. I gained my experience working in Mental/Behavioral Health with positions with the State of Maryland, the Department of Veterans Affairs, Recovery Centers of America, and the Department of Defense/Department of the Army to name the most impactful. My specialties include treating individuals plagued with issues related to trauma/PTSD, depression, anxiety, and related disorders.
Hello all! I’m a mental health professional with over 15 years of experience. I’m from Washington, DC area and graduated from Howard University and The University of Maryland School of Social Work. I gained my experience working in Mental/Behavioral Health with positions with the State of Maryland, the Department of Veterans Affairs, Recovery Centers of America, and the Department of Defense/Department of the Army to name the most impactful. My specialties include treating individuals plagued with issues related to trauma/PTSD, depression, anxiety, and related disorders.
![Photo of Kathleen Murray, LCSW-C, Clinical Social Work/Therapist](https://photos.psychologytoday.com/5dfdb691-3f8e-481a-99fb-113818cfb22d/3/320x400.jpeg)
Kathleen Murray
Clinical Social Work/Therapist, LCSW-C
Verified Verified
Germantown, MD 20874 (Online Only)
Katie is a Licensed Certified Social Worker-Clinical. She maintains a strengths-based and trauma-informed approach with all clients. Katie is a welcoming and affirming therapist for members of the LGBTQIA+ community. The basis of her work with clients is supported by the frameworks of cognitive behavioral therapy, solution focused therapy, and motivational interviewing. Katie is on the national registry of therapists certified in Trauma-Focused Cognitive Behavioral Therapy, and specializes in working with individuals who have a history of acute and complex traumatic experiences.
Katie is a Licensed Certified Social Worker-Clinical. She maintains a strengths-based and trauma-informed approach with all clients. Katie is a welcoming and affirming therapist for members of the LGBTQIA+ community. The basis of her work with clients is supported by the frameworks of cognitive behavioral therapy, solution focused therapy, and motivational interviewing. Katie is on the national registry of therapists certified in Trauma-Focused Cognitive Behavioral Therapy, and specializes in working with individuals who have a history of acute and complex traumatic experiences.
Sunghye Oh
Licensed Clinical Professional Counselor, LCPC
Verified Verified
1 Endorsed
Germantown, MD 20876
I have been working with children, adolescents, young adults, adults, and family for more than 20 years, in various, clinical, non-clinical settings; with transitional issues, adjustment issues, self esteem, emotional distress, behavioral issues, ADHD, grief, among others. I use an eclectic approach, and use ACT, Mindfulness, CBT, BT, Play Therapy, Client Centered, and Brief Solution Focused among others. I have been working with the belief that a healthy, balanced state of being is an acquired skill, and that every individual has sufficient inner strengths to be reminded/to be uncovered.
I have been working with children, adolescents, young adults, adults, and family for more than 20 years, in various, clinical, non-clinical settings; with transitional issues, adjustment issues, self esteem, emotional distress, behavioral issues, ADHD, grief, among others. I use an eclectic approach, and use ACT, Mindfulness, CBT, BT, Play Therapy, Client Centered, and Brief Solution Focused among others. I have been working with the belief that a healthy, balanced state of being is an acquired skill, and that every individual has sufficient inner strengths to be reminded/to be uncovered.
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Living with anxiety, depression, or another mood disorder can cause you to feel crippled or stuck. It seems like you have no control over your life and struggle to manage relationships with your friends, family, and peers. Emotional distress may make it hard to complete simple task and achieve goals. Many times you probably feel misunderstood. Imagine what it would be like to feel understood and to be able to better understand you own emotions, thoughts, and symptoms. You would feel like you are finally being heard and gain confidence in your ability to solve your problems, manage your mood, and overcome past experiences.
Living with anxiety, depression, or another mood disorder can cause you to feel crippled or stuck. It seems like you have no control over your life and struggle to manage relationships with your friends, family, and peers. Emotional distress may make it hard to complete simple task and achieve goals. Many times you probably feel misunderstood. Imagine what it would be like to feel understood and to be able to better understand you own emotions, thoughts, and symptoms. You would feel like you are finally being heard and gain confidence in your ability to solve your problems, manage your mood, and overcome past experiences.
![Photo of Shelly M Mohnkern, LCPC, Counselor](https://photos.psychologytoday.com/346f6c70-74ab-4171-95ab-07b7f77fb5c9/1/320x400.jpeg)
I provide individual therapy for adults enable them to make the changes they envision in life. I assist clients struggling with job loss, significant health issues, life and social transitions, anxiety and depression following life changes, and living through a pandemic. I work with clients from differing backgrounds, ethnicities, and faith traditions, operating under many different family and relationship models. I have experience working with alternative relationship configurations, including polyamorous, kink, and other non-traditional practices. I work with LGBTQIA+ and BIPOC clients and engage in anti-racism and ally-ship.
I provide individual therapy for adults enable them to make the changes they envision in life. I assist clients struggling with job loss, significant health issues, life and social transitions, anxiety and depression following life changes, and living through a pandemic. I work with clients from differing backgrounds, ethnicities, and faith traditions, operating under many different family and relationship models. I have experience working with alternative relationship configurations, including polyamorous, kink, and other non-traditional practices. I work with LGBTQIA+ and BIPOC clients and engage in anti-racism and ally-ship.
![Photo of Monica Grey, MS, LCPC, NCC](https://photos.psychologytoday.com/00f9dfa7-5144-47ab-9fd0-36fbf6ed98df/3/320x400.jpeg)
Monica Grey
Licensed Clinical Professional Counselor, MS, LCPC, NCC
Verified Verified
Germantown, MD 20876 (Online Only)
Waitlist for new clients
Welcome! I'm Mónica, a Latina immigrant therapist based in Maryland. Being born and raised in Colombia has offered me profound insights into the taboos surrounding mental illness, highlighting the significant barriers many face when considering therapy. My own journey—from growing up in Colombia to embracing a new life in the USA —has taught me the importance of understanding and navigating cultural contexts in mental health, as well as the power of resilience and the beauty of diverse human experiences. This personal journey fuels my passion for helping others work towards a healthy relationship with themselves and the world
Welcome! I'm Mónica, a Latina immigrant therapist based in Maryland. Being born and raised in Colombia has offered me profound insights into the taboos surrounding mental illness, highlighting the significant barriers many face when considering therapy. My own journey—from growing up in Colombia to embracing a new life in the USA —has taught me the importance of understanding and navigating cultural contexts in mental health, as well as the power of resilience and the beauty of diverse human experiences. This personal journey fuels my passion for helping others work towards a healthy relationship with themselves and the world
![Photo of Andrea Morley, PsyD, Psychologist](https://photos.psychologytoday.com/9a4030ce-369f-45d3-b92c-c1fec7bc6e4b/2/320x400.jpeg)
Connecting to what is important to you and who you want to be can be a struggle. Do you may find yourself constantly busy doing things to prove your value, but not fully enjoying your life and relationships. If this experience describes you, past experiences and relational trauma may be impacting you and leaving you with the feelings that you are "less than" and/or "not good enough." By exploring who you are in therapy you can work through past hurts, define what feels true for you, learn to value your worth, and create a life that feels meaningful and satisfying.
Connecting to what is important to you and who you want to be can be a struggle. Do you may find yourself constantly busy doing things to prove your value, but not fully enjoying your life and relationships. If this experience describes you, past experiences and relational trauma may be impacting you and leaving you with the feelings that you are "less than" and/or "not good enough." By exploring who you are in therapy you can work through past hurts, define what feels true for you, learn to value your worth, and create a life that feels meaningful and satisfying.
![Photo of Deana Johnson, Clinical Social Work/Therapist](https://photos.psychologytoday.com/12b6af1a-345f-49ef-bb44-5dfc2074c069/2/320x400.png)
Welcome! I'm Deana D. Johnson, a dedicated therapist with over 15 years of experience providing counseling and support to individuals seeking to improve their mental health and well-being. As a solo practitioner since 2019, I've had the privilege of working closely with clients to help them navigate life's challenges and cultivate resilience.
Welcome! I'm Deana D. Johnson, a dedicated therapist with over 15 years of experience providing counseling and support to individuals seeking to improve their mental health and well-being. As a solo practitioner since 2019, I've had the privilege of working closely with clients to help them navigate life's challenges and cultivate resilience.
![Photo of Delverene Mills, MPA, LCSW-C, Clinical Social Work/Therapist](https://photos.psychologytoday.com/da259f90-4db5-437e-b590-488f5128a627/2/320x400.jpeg)
Delverene Mills
Clinical Social Work/Therapist, MPA, LCSW-C
Verified Verified
Germantown, MD 20876 (Online Only)
Are you looking for a change and a way to erase the stigma within communities that seeking outside help is not what "we" do? I believe you are, as you took the first big step to do the research. I am proud of you! Therapy is a way for people from all walks of life to express themselves while learning effective therapeutic positive skills to assist with managing their everyday life through the various trials and tribulations they may face.
Are you looking for a change and a way to erase the stigma within communities that seeking outside help is not what "we" do? I believe you are, as you took the first big step to do the research. I am proud of you! Therapy is a way for people from all walks of life to express themselves while learning effective therapeutic positive skills to assist with managing their everyday life through the various trials and tribulations they may face.
![Photo of Shamara Quinonez, LCSW-C, Clinical Social Work/Therapist](https://photos.psychologytoday.com/2c4e7900-2168-41f1-b354-3065340f8e32/1/320x400.jpeg)
Shamara Quinonez
Clinical Social Work/Therapist, LCSW-C
Verified Verified
Germantown, MD 20874 (Online Only)
Trauma-Informed Therapist: Do you struggle with trauma, post traumatic stress disorder (PTSD), anxiety, depression, bipolar I/II, or adhd? I am here to create a safe space to discuss your concerns; as life can bring about worry, overwhelm, depression, sadness, mood dysregulation, lack of motivation, procrastination, loneliness, worthlessness, and/or suicidal ideation and self-harm. During our first session we’ll discuss your stressors and needs. We’ll discuss your expectations (and questions) of our time together.
Trauma-Informed Therapist: Do you struggle with trauma, post traumatic stress disorder (PTSD), anxiety, depression, bipolar I/II, or adhd? I am here to create a safe space to discuss your concerns; as life can bring about worry, overwhelm, depression, sadness, mood dysregulation, lack of motivation, procrastination, loneliness, worthlessness, and/or suicidal ideation and self-harm. During our first session we’ll discuss your stressors and needs. We’ll discuss your expectations (and questions) of our time together.
![Photo of Gabrielle Hadorn, LCMFT, Marriage & Family Therapist](https://photos.psychologytoday.com/a1537d5d-c7a2-47d8-9fa8-f97beefef6c6/2/320x400.jpeg)
Gabrielle Hadorn
Marriage & Family Therapist, LCMFT
Verified Verified
Germantown, MD 20874 (Online Only)
Whether you are seeking support through a life transition, needing guidance as you navigate relationships, or looking for relief from depression and anxiety, I am here to provide you with an affirming and empowering therapy experience. I strive to meet each client and family system where they are and to create a therapeutic environment that is best suited to their needs. As your therapist, I will work with you to explore and utilize your own unique strengths to overcome life's challenges.
Whether you are seeking support through a life transition, needing guidance as you navigate relationships, or looking for relief from depression and anxiety, I am here to provide you with an affirming and empowering therapy experience. I strive to meet each client and family system where they are and to create a therapeutic environment that is best suited to their needs. As your therapist, I will work with you to explore and utilize your own unique strengths to overcome life's challenges.
![Photo of Ningqi Ann Yu Natterer, MA, LCPC](https://photos.psychologytoday.com/f848e64d-c87b-48bd-b726-fc9513f79e0f/2/320x400.jpeg)
Ningqi Ann Yu Natterer
Licensed Clinical Professional Counselor, MA, LCPC
Verified Verified
Germantown, MD 20874 (Online Only)
Waitlist for new clients
I am a Licensed Clinical Professional Counselor in the DC (Maryland) area. My focus is to meet my clients where they are, whether they've been in therapy before or are seeking it for the first time.
I am a Licensed Clinical Professional Counselor in the DC (Maryland) area. My focus is to meet my clients where they are, whether they've been in therapy before or are seeking it for the first time.
See more therapy options for Germantown
Nearby UnitedHealthcare UHC | UBH Therapists Searches for Germantown
- Aspen Hill
- Clarksburg
- Damascus
- Darnestown
- Gaithersburg
- Kensington
- North Bethesda
- North Potomac
- Olney
- Potomac
- Rockville
- Urbana
UnitedHealthcare UHC | UBH Therapists
Does insurance cover therapy, prescriptions and other behavioral health services?
In general, yes. Laws in the U.S. require insurers to cover essential behavioral health care at the same level as other health care services. Most health plans require a medical diagnosis and treatments that are evidence based and medically essential. This means that life coaching and alternative therapies are not covered, nor is therapy without a diagnosis. Call the number on the back or your insurance card or visit your insurance company's website to review your Summary of Benefits. If you have insurance through your employer, your Human Resources department may also be able to answer questions.
How much does therapy cost with insurance?
The cost of therapy depends on your region, how much training and experience your therapist has, and the type of treatment. The rate for talk therapy generally falls between $100 and $250. For a client seeing an in-network provider, the cost of therapy is often similar to the cost of other health care services. Clients pay co-pays and may need to satisfy a plan’s deductible before benefits kick in.
What is the difference between In-Network and Out-of-Network insurance coverage?
An in-network provider has contracted with an insurer to get paid directly for services, and to accept the insurer’s rate of compensation. Clients are responsible for deductibles and copays. If a therapist is out of network, that means that the client pays the therapist directly for services at the therapist’s regular fee. Out-of-Network providers often give clients a receipt so that they can file for partial reimbursement with their insurance company.
Is it difficult to find an In-Network therapist?
It is not unusual for therapists to limit the number of insurance patients in their practice, so it’s important to check in-network availability when you schedule your first appointment. In regions and times where therapy is in high demand it may take longer to get scheduled with an in-network therapist.
What is the difference between HMO and PPO insurance plans?
HMO health plans only cover in-network services, there is no reimbursement for out-of-network providers. PPO plans often cover both in- and out-of-network services, though the client may pay more for out-of-network services.
What is a Superbill?
A superbill is a receipt for therapy services. It provides all the information required by insurance companies to reimburse you for out-of-network services, including the diagnostic codes for your care, the amount paid, and the dates and duration of care.
Does insurance cover Online therapy?
Many therapists who shifted their practice to online therapy during the pandemic have kept that arrangement. And most insurers continue to cover telehealth services, with a few exceptions. Preventive care (such as an annual depression screening) is often required to be in-person to be covered, and some states require prescribers of controlled substances to see those patients in person.
Does insurance cover Group therapy?
Many insurance plans provide coverage for group therapy provided there is a medical diagnosis for group members, but there are some noteworthy exceptions. For example, Medicare does not always cover group therapy. Group therapy tends to cost less than individual therapy.
Does insurance cover Couples therapy?
Most insurance companies do not cover the cost of couples therapy because there is no medical diagnosis or medically necessary treatment. However, a few plans will offer a limited benefit, so it is still worth checking with your insurance company. Sometimes therapy is covered for a couple when one person has a diagnosis and another family member joins them for joint therapy, but it is considered therapy for the medical condition that includes a family member as a listener or helper, not couples counseling. Without insurance, most clients pay between $100-300 per 60-90 min session for couples therapy. Often clients can find classes or workshops that make it more affordable to work on their relationship. And some employers offer benefit plans that help defray the cost of couples therapy.
Learn more about Insurance Coverage and Finding Affordable Therapy
Learn more about Insurance Coverage and Finding Affordable Therapy