Divorce Therapists in Saint Michael, MN

Photo of Dan Schmoyer, MEd, MA, LSC, LPCC, Counselor
Dan Schmoyer
Counselor, MEd, MA, LSC, LPCC
Verified Verified
8 Endorsed
Saint Michael, MN 55376
Some speciality areas include: divorce, infidelity, pre-marriage/marriage counseling, high conflict divorce situations, women's issues, parenting, teenage behavior, healthy boundaries, depression, stress, anxiety, ADHD, sexual addictions, feeling lost and stuck in life, and finding purpose and direction.
*** We offer online/telehealth counseling sessions! If you are looking for someone who is compassionate yet honest enough to provide direction, advice, and guidance than give us a call. We also specialize in working with teenagers/young adults as they navigate life. Women's issues are an area of passion for some of our staff too. We base our counsel on a Christian worldview and have helped people from all walks of life find meaning, hope, and restoration through their struggle. Check out our website for more information and to watch a short video about our clinic.
Some speciality areas include: divorce, infidelity, pre-marriage/marriage counseling, high conflict divorce situations, women's issues, parenting, teenage behavior, healthy boundaries, depression, stress, anxiety, ADHD, sexual addictions, feeling lost and stuck in life, and finding purpose and direction.
*** We offer online/telehealth counseling sessions! If you are looking for someone who is compassionate yet honest enough to provide direction, advice, and guidance than give us a call. We also specialize in working with teenagers/young adults as they navigate life. Women's issues are an area of passion for some of our staff too. We base our counsel on a Christian worldview and have helped people from all walks of life find meaning, hope, and restoration through their struggle. Check out our website for more information and to watch a short video about our clinic.
(763) 280-7963 View (763) 280-7963
Photo of Mark Schmoyer, MS, LPCC, Counselor
Mark Schmoyer
Counselor, MS, LPCC
Verified Verified
1 Endorsed
Saint Michael, MN 55376
I enjoy working with adults and teenagers as they navigate many of life's transitions. I make it my goal to establish a genuine relationship so that you feel validated and respected and our time together is centered on coming along side of you to create meaningful change. For those having thoughts of death or dying, it can be extremely distressing and I want to align with you to determine the best path forwards to manage and decrease those thoughts. I also value the role of faith in pursuing healing and strive to incorporate faith based conversations and interventions to assist you in your goals.
I enjoy working with adults and teenagers as they navigate many of life's transitions. I make it my goal to establish a genuine relationship so that you feel validated and respected and our time together is centered on coming along side of you to create meaningful change. For those having thoughts of death or dying, it can be extremely distressing and I want to align with you to determine the best path forwards to manage and decrease those thoughts. I also value the role of faith in pursuing healing and strive to incorporate faith based conversations and interventions to assist you in your goals.
(763) 325-8591 View (763) 325-8591
Photo of Matt Stiehm, EdD, MA, MS, Pre-Licensed Professional
Matt Stiehm
Pre-Licensed Professional, EdD, MA, MS
Verified Verified
Saint Michael, MN 55376
Hello - My name is Matt, and I am transitioning from a career in the criminal justice field. With that I have 23 years of experience working in the CJ industry. I understand the nuances of work, and how it impacts one's family. I am looking to help those in CJ fields (corrections/law enforcement) process and deal with any and all mental health issues, to include relationship problems, stress, anxiety, depression, and PTSD. If you are looking for a safe environment to come talk with someone about mental health issues, and receive appropriate trained services please consider contacting me, and utilizing my services.
Hello - My name is Matt, and I am transitioning from a career in the criminal justice field. With that I have 23 years of experience working in the CJ industry. I understand the nuances of work, and how it impacts one's family. I am looking to help those in CJ fields (corrections/law enforcement) process and deal with any and all mental health issues, to include relationship problems, stress, anxiety, depression, and PTSD. If you are looking for a safe environment to come talk with someone about mental health issues, and receive appropriate trained services please consider contacting me, and utilizing my services.
(763) 363-2137 View (763) 363-2137
Photo of Whitney McElhone, MS, LPCC, Counselor
Whitney McElhone
Counselor, MS, LPCC
Verified Verified
8 Endorsed
Saint Michael, MN 55376  (Online Only)
Waitlist for new clients
Are you ready to make a positive change for YOU? If you are experiencing anxiety, depression, trauma symptoms or overwhelmed by life's stressors then you have come to the right place! I specialize in empowering adults to conquer these challenges, drawing on my expertise as a devoted mental health therapist. Together, we'll navigate your journey to healing and happiness. I have been working in the field and helping individuals since 2016. Together, we can empower you to grow through healing wounds, reduce symptoms, gain insight and become the best version of yourself—all while staying true to who you are.
Are you ready to make a positive change for YOU? If you are experiencing anxiety, depression, trauma symptoms or overwhelmed by life's stressors then you have come to the right place! I specialize in empowering adults to conquer these challenges, drawing on my expertise as a devoted mental health therapist. Together, we'll navigate your journey to healing and happiness. I have been working in the field and helping individuals since 2016. Together, we can empower you to grow through healing wounds, reduce symptoms, gain insight and become the best version of yourself—all while staying true to who you are.
(507) 821-3151 View (507) 821-3151
Photo of Michele Laney, MA, LMFT, Marriage & Family Therapist
Michele Laney
Marriage & Family Therapist, MA, LMFT
Verified Verified
1 Endorsed
Saint Michael, MN 55376
I have worked for several years with individuals, couples, families, children, and adolescents on many different presenting issues. I work collaboratively with people to identify strengths within themselves to address their life challenges. I work with many parents regarding parenting concerns, balancing marriage and kids, and trying to find themselves again after having children. I work with couples to re-start their relationship after many years of unspoken distance. My practice is broad-based; I have experience with a range of issues such as marital strife, blended families, substance abuse, mental illness, depression, grief, anxiety, sexual abuse, and loss.
I have worked for several years with individuals, couples, families, children, and adolescents on many different presenting issues. I work collaboratively with people to identify strengths within themselves to address their life challenges. I work with many parents regarding parenting concerns, balancing marriage and kids, and trying to find themselves again after having children. I work with couples to re-start their relationship after many years of unspoken distance. My practice is broad-based; I have experience with a range of issues such as marital strife, blended families, substance abuse, mental illness, depression, grief, anxiety, sexual abuse, and loss.
(612) 419-8461 View (612) 419-8461
Photo of Kevin Smith - Northwinds Counseling Services, P.A., LMFT, LPCC, LGSW
Northwinds Counseling Services, P.A.
LMFT, LPCC, LGSW
Verified Verified
Saint Michael, MN 55376
At Northwinds, we consider it a privilege to help our clients as they go through life-changing experiences. With integrity, compassion, and a deep devotion to the worth of each individual we see, we are here to help you make positive adjustments to the stressful life challenges you are facing. We offer individual, couples, and family counseling. Our primary model of treatment is Cognitive-Behavioral therapy, though we frequently draw from other treatment models as needed. LMFT: Kevin Smith, Amy Halverson, John Torkelson, and Terri Jorstad; LPCC: Jordan Leuthold, Michelle Rhea, Raven Winter & Rindie Eagle; LGSW: Allison Brockway
At Northwinds, we consider it a privilege to help our clients as they go through life-changing experiences. With integrity, compassion, and a deep devotion to the worth of each individual we see, we are here to help you make positive adjustments to the stressful life challenges you are facing. We offer individual, couples, and family counseling. Our primary model of treatment is Cognitive-Behavioral therapy, though we frequently draw from other treatment models as needed. LMFT: Kevin Smith, Amy Halverson, John Torkelson, and Terri Jorstad; LPCC: Jordan Leuthold, Michelle Rhea, Raven Winter & Rindie Eagle; LGSW: Allison Brockway
(763) 280-5780 View (763) 280-5780
Photo of Michelle Clark, MA, LMFT, Marriage & Family Therapist
Michelle Clark
Marriage & Family Therapist, MA, LMFT
Verified Verified
1 Endorsed
Saint Michael, MN 55376
Are you wanting to live a more fulfilled life? Are you engaged in an unhealthy relationship or experiencing marital conflicts? Do you feel overwhelmed with depression, anxiety or suffer from PTSD? If you answered yes to any of these questions, then call me, Michelle Clark MA, LMFT, where help & healing begins. I am devoted to helping you live the life you have always wanted and committed to providing the highest quality care in a fun, safe, professional environment focusing on practical strategies to help you live the life you have always wanted but struggled to achieve.
Are you wanting to live a more fulfilled life? Are you engaged in an unhealthy relationship or experiencing marital conflicts? Do you feel overwhelmed with depression, anxiety or suffer from PTSD? If you answered yes to any of these questions, then call me, Michelle Clark MA, LMFT, where help & healing begins. I am devoted to helping you live the life you have always wanted and committed to providing the highest quality care in a fun, safe, professional environment focusing on practical strategies to help you live the life you have always wanted but struggled to achieve.
(763) 363-6238 View (763) 363-6238
Photo of Jennifer Knapp, MS, LMFT, Marriage & Family Therapist
Jennifer Knapp
Marriage & Family Therapist, MS, LMFT
Verified Verified
Saint Michael, MN 55376
We are not meant to live in isolation. From the moment we are born, our identity and sense of self is tied in with those around us. Over time, it may shift from parents to peer groups to intimate partners, but how we interact with others is at the core of our emotional well-being. Parenting comes with a unique set of questions, self-doubt, and high stakes. For many of us, it may activate unresolved hurt or resentment from our own childhood or invite feelings of inadequacy and uncertainty. Our intimate relationships are another significant part of our lives. Clients can learn how to connect, improve understanding, and strengthen their intimate relationships by moving past the cycles that break down communication and build walls of hurt and defensiveness. Couples can re-establish that “spark,” share a vision of a connected future, and feel both valued and validated by their partners. Experiencing trauma impacts our ability to connect with and receive connection from others. Sometimes we get so stuck in that trauma that it shifts our view of the world and can permanently alter our perception. Therapy is a place to process through this experience, so you can move forward with life.
We are not meant to live in isolation. From the moment we are born, our identity and sense of self is tied in with those around us. Over time, it may shift from parents to peer groups to intimate partners, but how we interact with others is at the core of our emotional well-being. Parenting comes with a unique set of questions, self-doubt, and high stakes. For many of us, it may activate unresolved hurt or resentment from our own childhood or invite feelings of inadequacy and uncertainty. Our intimate relationships are another significant part of our lives. Clients can learn how to connect, improve understanding, and strengthen their intimate relationships by moving past the cycles that break down communication and build walls of hurt and defensiveness. Couples can re-establish that “spark,” share a vision of a connected future, and feel both valued and validated by their partners. Experiencing trauma impacts our ability to connect with and receive connection from others. Sometimes we get so stuck in that trauma that it shifts our view of the world and can permanently alter our perception. Therapy is a place to process through this experience, so you can move forward with life.
(763) 334-6512 View (763) 334-6512
Photo of Neko J. Vanevenhoven - Authentic Roots Therapy PLLC, LMFT, LP, LPCC, LADC, Supervi, Marriage & Family Therapist
Authentic Roots Therapy PLLC
Marriage & Family Therapist, LMFT, LP, LPCC, LADC, Supervi
Verified Verified
Saint Michael, MN 55376
Authentic Roots Therapy is a mental health collaborative where licensed professionals provide individual, couple, & family mental health therapy in Minneapolis, Minnesota. We specialize in working with children, couples, families, LGBTQIA+ individuals, individuals who are questioning, curious, transitioning, or identifying as transgender/non-binary, mothers in postpartum, faith communities, individuals experiencing traumatic symptomatology, and highly sensitive men.
Authentic Roots Therapy is a mental health collaborative where licensed professionals provide individual, couple, & family mental health therapy in Minneapolis, Minnesota. We specialize in working with children, couples, families, LGBTQIA+ individuals, individuals who are questioning, curious, transitioning, or identifying as transgender/non-binary, mothers in postpartum, faith communities, individuals experiencing traumatic symptomatology, and highly sensitive men.
(763) 703-1621 View (763) 703-1621
Photo of Teresa Movick-Anderson, MSW, LICSW, SEP, Clinical Social Work/Therapist
Teresa Movick-Anderson
Clinical Social Work/Therapist, MSW, LICSW, SEP
Verified Verified
1 Endorsed
Saint Michael, MN 55376
Please note, I am not currently taking on any new clients and will likely not have openings until summer or fall 2024. Please email if you would like to be added to my waitlist. I enjoy working with individuals and families from all walks of life. I believe we all have a unique story and need a safe space in order to share and process that story. My passion is working with children, teens, and young adults, especially those who are often labeled as difficult, misguided, or troubled. I also love working with adults, especially those struggling with trauma backgrounds, attachment disruptions, and/or mental health challenges.
Please note, I am not currently taking on any new clients and will likely not have openings until summer or fall 2024. Please email if you would like to be added to my waitlist. I enjoy working with individuals and families from all walks of life. I believe we all have a unique story and need a safe space in order to share and process that story. My passion is working with children, teens, and young adults, especially those who are often labeled as difficult, misguided, or troubled. I also love working with adults, especially those struggling with trauma backgrounds, attachment disruptions, and/or mental health challenges.
(763) 284-3636 View (763) 284-3636
Photo of Nathan Hoffman, MA, LPCC, Counselor
Nathan Hoffman
Counselor, MA, LPCC
Verified Verified
Saint Michael, MN 55376
Waitlist for new clients
As a therapist, I take a person-centered approach to therapy and work with individuals to help them gain awareness and understanding of their mental health, while helping them identify their strengths and values. I work to meet individuals where they are and I believe that openness, honesty, trust, and respect are foundational in a therapeutic relationship. I am committed to helping individuals move towards improving their mental health and overall well-being by utilizing a holistic approach that focuses on physical, emotional, and spiritual health.
As a therapist, I take a person-centered approach to therapy and work with individuals to help them gain awareness and understanding of their mental health, while helping them identify their strengths and values. I work to meet individuals where they are and I believe that openness, honesty, trust, and respect are foundational in a therapeutic relationship. I am committed to helping individuals move towards improving their mental health and overall well-being by utilizing a holistic approach that focuses on physical, emotional, and spiritual health.
(763) 247-7937 View (763) 247-7937
Photo of Mark R. Thelen, PsyD, LP, LMFT, Psychologist
Mark R. Thelen
Psychologist, PsyD, LP, LMFT
Verified Verified
Saint Michael, MN 55376
If you struggle with excessive anxiety, depression, anger, negative thoughts about yourself or others, it might time for a self tune-up and work on how you see yourself, view others and make the primary changes you want to make. There are many types of helpers out there, many good and wonderful people, but what I focus on is how you can change you and how you interact with others in the world. My focus is understanding your background and help you identify what you want to work on, change, accept, and/or do with your life. Hopefully, we can do this work in a timely and cost-efficient manner.
If you struggle with excessive anxiety, depression, anger, negative thoughts about yourself or others, it might time for a self tune-up and work on how you see yourself, view others and make the primary changes you want to make. There are many types of helpers out there, many good and wonderful people, but what I focus on is how you can change you and how you interact with others in the world. My focus is understanding your background and help you identify what you want to work on, change, accept, and/or do with your life. Hopefully, we can do this work in a timely and cost-efficient manner.
(763) 370-0243 View (763) 370-0243
Photo of Shelly Melroe, MS, MA, LMFT, Marriage & Family Therapist
Shelly Melroe
Marriage & Family Therapist, MS, MA, LMFT
Verified Verified
1 Endorsed
Saint Michael, MN 55376
Another day of managing stress, trying to figure out what rules matter and what compromises have the least consequences. Get some rest, miss the deadline. Miss the workout, feel the irritability climb. Seems that playing by the rules has led you astray. The pieces seldom fit together anymore and all you really want is to feel good! Is it too much to ask to have a good relationship? One that loves and accepts you, without minimizing your needs or your hurt. Feeling so alone, when surrounded by people (people who don't hesitate to let you know what they need), is hard to explain. Yet you know it to be true for you.
Another day of managing stress, trying to figure out what rules matter and what compromises have the least consequences. Get some rest, miss the deadline. Miss the workout, feel the irritability climb. Seems that playing by the rules has led you astray. The pieces seldom fit together anymore and all you really want is to feel good! Is it too much to ask to have a good relationship? One that loves and accepts you, without minimizing your needs or your hurt. Feeling so alone, when surrounded by people (people who don't hesitate to let you know what they need), is hard to explain. Yet you know it to be true for you.
(612) 261-1648 View (612) 261-1648
Photo of Johanna Schultz, MA, Pre-Licensed Professional
Johanna Schultz
Pre-Licensed Professional, MA
Verified Verified
Saint Michael, MN 55376
Waitlist for new clients
Hello, I have experience and enjoy working with individuals across the lifespan. I believe in the inherent value, purpose, and dignity of each person and that through therapy, individuals can develop or re-establish this believe about themselves. I am here to actively and non-judgmentally listen to your story and work collaboratively to build upon your internal strengths and reaching your goals. I desire to create a space that is safe and supportive where you feel comfortable expressing yourself, your concerns, and aspirations.
Hello, I have experience and enjoy working with individuals across the lifespan. I believe in the inherent value, purpose, and dignity of each person and that through therapy, individuals can develop or re-establish this believe about themselves. I am here to actively and non-judgmentally listen to your story and work collaboratively to build upon your internal strengths and reaching your goals. I desire to create a space that is safe and supportive where you feel comfortable expressing yourself, your concerns, and aspirations.
(320) 322-6799 View (320) 322-6799

More Therapists Nearby

Photo of Kyle John Severson, Licensed Professional Counselor
Kyle John Severson
Licensed Professional Counselor
Verified Verified
1 Endorsed
Otsego, MN 55330
We all need help and support when going through life's difficult times. The therapeutic alliance with the therapist is a very important component of successful therapy. I specialize in depression, anxiety, divorce, trauma, stress, and feeling overwhelmed in life. I have non-judgement, solution focused, strength based approach with Christian integration upon request. My goal in therapy is to create a safe place to talk about thoughts and feelings to explore solutions. I believe clients deserve the autonomy to make decisions and find solutions to build resiliency in their future.
We all need help and support when going through life's difficult times. The therapeutic alliance with the therapist is a very important component of successful therapy. I specialize in depression, anxiety, divorce, trauma, stress, and feeling overwhelmed in life. I have non-judgement, solution focused, strength based approach with Christian integration upon request. My goal in therapy is to create a safe place to talk about thoughts and feelings to explore solutions. I believe clients deserve the autonomy to make decisions and find solutions to build resiliency in their future.
(763) 373-7021 View (763) 373-7021
Photo of Nicole Baker - The Creative Therapy Center, Marriage & Family Therapist
The Creative Therapy Center
Marriage & Family Therapist
Verified Verified
Elk River, MN 55330
The Creative Therapy Center specializes in high-conflict divorce, reunification therapy, play therapy, trauma, anxiety/depression, LGBTQIA+, parenting/co-parenting issues, family therapy.
At The Creative Therapy Center we work side by side with you to provide you therapeutic support on your journey. We believe all individuals deserve to have their voice heard, which includes children. Therapeutic services are provided in a safe space to provide you the best experience.
The Creative Therapy Center specializes in high-conflict divorce, reunification therapy, play therapy, trauma, anxiety/depression, LGBTQIA+, parenting/co-parenting issues, family therapy.
At The Creative Therapy Center we work side by side with you to provide you therapeutic support on your journey. We believe all individuals deserve to have their voice heard, which includes children. Therapeutic services are provided in a safe space to provide you the best experience.
(763) 710-3871 View (763) 710-3871
Photo of David Olmscheid, MS, LMFT, Marriage & Family Therapist
David Olmscheid
Marriage & Family Therapist, MS, LMFT
Verified Verified
Monticello, MN 55362
Where there is hurt, there is hope. This belief has fueled my passion for counseling over the last ten years. I work with my clients to empower them to resolve the stressors and hardships in their life. I also strive to help my clients achieve their goals. I have experience working through grief, depression, anxiety, anger issues, and conflict resolution with couples and individuals. I also have experience working with at-risk adolescent males and foster children.
Where there is hurt, there is hope. This belief has fueled my passion for counseling over the last ten years. I work with my clients to empower them to resolve the stressors and hardships in their life. I also strive to help my clients achieve their goals. I have experience working through grief, depression, anxiety, anger issues, and conflict resolution with couples and individuals. I also have experience working with at-risk adolescent males and foster children.
(844) 221-1191 View (844) 221-1191
Photo of Tamarah Gehlen, LMFT, LADC, CCTP, Marriage & Family Therapist
Tamarah Gehlen
Marriage & Family Therapist, LMFT, LADC, CCTP
Verified Verified
Rockford, MN 55373
Accepting New Clients! As an integrative therapist, I draw from different psychotherapy orientations. This allows me to tailor therapy to your needs and allows for a truly collaborative process in deciding where we go and how. Since successful therapy depends on a strong relationship between client and therapist, my first priority is nurturing that bond by creating a safe and supportive environment. I believe therapy is most effective when it is flexible, demystified, and client-centered, so you can expect me to be transparent about my ideas and approaches. My style is at times infused with humor and is always warm and direct.
Accepting New Clients! As an integrative therapist, I draw from different psychotherapy orientations. This allows me to tailor therapy to your needs and allows for a truly collaborative process in deciding where we go and how. Since successful therapy depends on a strong relationship between client and therapist, my first priority is nurturing that bond by creating a safe and supportive environment. I believe therapy is most effective when it is flexible, demystified, and client-centered, so you can expect me to be transparent about my ideas and approaches. My style is at times infused with humor and is always warm and direct.
(763) 301-5877 View (763) 301-5877
Photo of Kathleen Massmann, LPCC, MS, Counselor
Kathleen Massmann
Counselor, LPCC, MS
Verified Verified
2 Endorsed
Monticello, MN 55362
"A journey of a thousand miles begins with one step" Throughout the past ten years, I have been working with adolescents and adults in a variety of setting. I believe in the personal power that each individual has and their ability to make positive life changes Helping people find that power and clarity is my primary focus while working with each client.
"A journey of a thousand miles begins with one step" Throughout the past ten years, I have been working with adolescents and adults in a variety of setting. I believe in the personal power that each individual has and their ability to make positive life changes Helping people find that power and clarity is my primary focus while working with each client.
(763) 273-5847 View (763) 273-5847
Photo of Maura Freshour, LICSW, Clinical Social Work/Therapist
Maura Freshour
Clinical Social Work/Therapist, LICSW
Verified Verified
Elk River, MN 55330
Waitlist for new clients
Maura Freshour, LICSW, is the therapist behind Fresh Outlook Therapy for Children and Parents. She is passionate about working with children ages 3+ and parents at any stage of their parenting journey: family planning, experiencing infertility, miscarriage, postpartum mood and anxiety disorders, adoption, step-parenting, and parents experiencing family change. Maura works closely with outside providers, schools, and supports to address all challenges and concerns. Maura utilizes attachment and connection-based approaches to heal and create lasting change.
Maura Freshour, LICSW, is the therapist behind Fresh Outlook Therapy for Children and Parents. She is passionate about working with children ages 3+ and parents at any stage of their parenting journey: family planning, experiencing infertility, miscarriage, postpartum mood and anxiety disorders, adoption, step-parenting, and parents experiencing family change. Maura works closely with outside providers, schools, and supports to address all challenges and concerns. Maura utilizes attachment and connection-based approaches to heal and create lasting change.
(612) 439-3084 View (612) 439-3084

See more therapy options for Saint Michael

Divorce Therapists

How does therapy for people affected by a divorce work?

Individuals may feel a number of emotions following a divorce, such as shock, guilt, grief, anger, and fear. Therapists offer a non-judgmental space for individuals to talk about what they’ve experienced and process their emotions. Therapists will help clients develop coping strategies. They can also help a client rebuild their sense of self and self-worth and talk about what a happier future might look like.

What’s the most common type of therapy following a divorce?

There are several types of therapy that may be useful for divorce, including cognitive behavioral, acceptance and commitment, solution-focused brief, and mindfulness-based therapies. Many therapy types are talk-therapy based, which is typically the most popular option for individuals dealing with divorce. Cognitive behavioral therapy is a widely-used talk therapy, however, there’s no specific therapy type that’s designed to help people with divorce, and different types will work depending on the person.

When should an individual seek help due to a divorce?

When the feelings of a divorced individual, or an individual going through the process of divorce, begin to disrupt healthy daily functioning, it may be a good time to look into therapy. If a person finds that they are not performing at work due to problems with anxiety or motivation, if they’re no longer seeing friends due to feelings of shame, or if they’re not properly taking care of themselves as a result of depression, speaking to a professional could help.

How do you encourage someone to go to therapy due to a divorce?

It’s helpful to express concern and love for the individual while framing therapy as a tool for improving their life. Sharing how the individual appears to be suffering, and what effects it has on them or on their children, should be done with compassion and empathy. It may be useful to devise a game plan—breaking the process down into parts, such as finding a therapist, making appointments, and looking into insurance coverage.