Online therapy in Florida
Let’s make the insurance part easier.
Finding the right therapist is hard enough. You shouldn’t also have to guess what it will cost. Here you’ll find the insurance plans Christensen Mental Health accepts, private-pay rates, and a plain-English explanation of what can affect your out-of-pocket cost.
If you searched for “therapist accepting insurance Florida,” you’re probably trying to answer two questions: Can I use my insurance — and is this therapist someone I actually want to talk to? This page is designed to help with both.
SECURE SIMPLEPRACTICE CLIENT PORTAL · ABOUT 3 MINUTES · NO CARD REQUIRED TO REQUEST A CONSULTATION
Insurance Accepted
Therapist Accepting Insurance Florida: Plans Accepted
If your insurance card lists one of these companies, you may be able to use your behavioral-health benefits for secure online therapy with Christensen Mental Health.
Healthcare View UHC / Optum page → Optum View UHC / Optum page → UMR View UMR page → Oscar Health View Oscar page →
Don’t see your plan? You can still contact me. Private pay is available, and some insurance plans may include out-of-network behavioral-health benefits.
Every insurance plan is different. Your deductible, copay, coinsurance, network status, telehealth benefits and plan requirements can all affect what you pay. An eligibility check is not a guarantee of payment or coverage.
Private Pay
If you’d rather not use insurance
Private-pay rates are stated up front before you begin. If you choose private pay, no insurance claim is submitted for the session.
Individual Therapy
$175
50 Minutes
Couples Counseling
$225
60 Minutes
Pattern Coaching
$150
60 Minutes
Clients who are uninsured or who choose not to use insurance have the right to receive a Good Faith Estimate of expected costs.
Understanding Your Benefits
“It depends on your plan.” Here’s what that actually means.
Having active insurance does not necessarily mean therapy will cost nothing. A few different parts of your plan can affect what you owe. Choose a term below for a plain-English explanation.
A copay is a set amount you may owe for a covered session.
Some insurance plans require a fixed copay for outpatient behavioral-health services. Your specific plan determines whether you have a copay and how much it is.
Questions you can ask your insurance plan
- What is my copay for outpatient behavioral-health therapy?
- Is my telehealth copay different from an in-person visit?
- Does my deductible apply before my copay benefits begin?
A deductible is an amount you may need to pay before certain benefits begin.
If your plan has a deductible that has not yet been met, you may be financially responsible for a larger portion of the session cost. The exact amount depends on your insurance plan.
Questions you can ask your insurance plan
- What is my deductible?
- How much of my deductible have I already met this year?
- Does outpatient behavioral-health treatment apply to my deductible?
Coinsurance means you may pay a percentage of the covered amount.
Instead of a flat copay, some plans require you to pay a percentage of the allowed or contracted amount. Your insurance company determines the percentage and when it applies.
Questions you can ask your insurance plan
- Do I have coinsurance for outpatient behavioral-health services?
- What percentage am I responsible for?
- Does the coinsurance begin only after my deductible is met?
Private pay gives you a clearly stated session rate.
If you choose not to use insurance, you pay the private-pay fee listed on this page. No insurance claim is submitted for that session.
Worth knowing
- Private-pay rates are stated before treatment begins.
- You may request a Good Faith Estimate of expected costs.
- Choosing private pay means the session is not submitted to your insurance company for reimbursement.
This section provides general educational information about common insurance terms. It is not an estimate or guarantee of your individual benefits. Your insurance company determines your final coverage and financial responsibility.
Getting Started
One secure place. Three simple steps.
No forms to print. No sending your insurance card through an ordinary website form. Your consultation request and insurance information can be handled inside Christensen Mental Health’s secure SimplePractice client portal.
STEP 01
Request your free consultation
Open the secure client portal, choose the new-client option, and request your free 15-minute consultation.
STEP 02
Add your insurance information
Enter the requested information from your insurance card securely inside the portal. The process can typically be completed in about three minutes.
STEP 03
Insurance eligibility can be checked
Your insurance information can be reviewed before treatment begins, allowing the consultation to focus more on whether therapy with Bonnie feels like the right fit.
The Right Fit
Insurance gets you through the door. What happens after that is the real question.
Finding a therapist accepting insurance Florida residents can access online is only one part of finding the right therapist. The relationship matters too.
For more than 25 years, I’ve worked with adults who may look capable, responsible and steady on the outside while privately carrying anxiety, relationship stress, emotional exhaustion, self-doubt, perfectionism, or the feeling that they are responsible for everyone around them.
My approach is pattern-focused. We don’t only talk about what happened this week. We look at what keeps repeating — in relationships, family, work, anxiety, and the way you see yourself.
Everybody needs a Bonnie sometimes.
Common Questions
Insurance, fees & getting started
Insurance Coverage
Which insurance plans does Christensen Mental Health accept?
Christensen Mental Health accepts Aetna, Cigna / Evernorth, UnitedHealthcare, Optum, UMR and Oscar Health. Individual benefits vary by plan, so eligibility and financial responsibility should be reviewed before treatment begins.
Do you accept Aetna?
Yes. Christensen Mental Health accepts Aetna. Benefits vary by individual plan, so insurance eligibility should be checked before treatment begins.
Do you accept Cigna / Evernorth?
Yes. Christensen Mental Health accepts Cigna / Evernorth. Your coverage, deductible, copay, coinsurance and telehealth benefits depend on your specific plan.
Do you accept UnitedHealthcare and Optum?
Yes. Christensen Mental Health accepts UnitedHealthcare and Optum for eligible plans. Individual behavioral-health benefits and financial responsibility depend on the specific plan.
Learn more about UnitedHealthcare / Optum therapy in Florida →
Do you accept UMR?
Yes. Christensen Mental Health works with eligible UMR plans. Because UMR administers different employer health plans, benefits and provider-network requirements can vary.
Do you accept Oscar Health?
Yes. Christensen Mental Health accepts Oscar Health. Coverage depends on your individual behavioral-health and telehealth benefits.
What if my insurance isn’t listed?
You can still request a free consultation or contact Bonnie directly. Private pay is available, and your insurance plan may also include out-of-network behavioral-health benefits.
Cost
What if I have a deductible?
If your deductible has not been met, you may be responsible for some or all of the contracted session amount until the deductible requirements of your plan are satisfied. Your insurance plan determines your financial responsibility.
Can I pay privately instead of using insurance?
Yes. Individual therapy is $175 for a 50-minute session. Couples counseling is $225 for a 60-minute session. Pattern Coaching is $150 for a 60-minute session and is private pay only.
Getting Started
Can I use insurance for online therapy in Florida?
Many insurance plans include behavioral-health telehealth benefits. Christensen Mental Health provides therapy through secure video to clients physically located in Florida at the time of the session. Your individual plan determines coverage.
How long does the online intake take?
The initial SimplePractice information can generally be completed in about three minutes. You can request your free consultation and provide your insurance information through the secure client portal.
Do I have to call before getting started?
No. You can begin through the secure SimplePractice client portal without calling first. If you prefer to contact Bonnie directly, call or text 352-973-8600 or email Bonnie@ChristensenMentalHealth.com .
Do you provide therapy throughout Florida?
Yes. Bonnie Christensen, LMHC provides secure online therapy to clients throughout Florida, as long as the client is physically located in Florida at the time of the therapy session.
Ready When You Are
Check your insurance and request your free consultation.
About three minutes can get the practical part started. Then the conversation can be about you.
Everybody needs a Bonnie sometimes.
Insurance eligibility and benefits are determined by your individual plan and are not a guarantee of payment or coverage. Your financial responsibility may include deductibles, copays, coinsurance, non-covered services, or other plan requirements. Clients who are uninsured or choose not to use insurance have the right to receive a Good Faith Estimate of expected costs.
Christensen Mental Health, LLC · Bonnie Christensen, Licensed Mental Health Counselor · Florida License MH10005. Therapy is provided via telehealth to clients physically located in Florida. Pattern Coaching is non-clinical, is not psychotherapy, and is available nationwide.