Skip to main content
Headway

Find a psychiatrist in Laredo, TX — covered by insurance

Therapist and patient in a therapy session
Calculator Illustration
Get a cost estimate
People with insurance pay as low as $0 per session through Headway

Top psychiatrists in Laredo, TX accepting new patients

Mental health care in Laredo is accessible through Headway's network of 955 providers serving Downtown, South Laredo, North Laredo and beyond. Choose between virtual or in-person talk therapy and medication management, with many providers offering free consultations and availability within two weeks.

Lawretta Jinadu

Lawretta Jinadu

Psychiatric Mental Health NP

Virtual • Texas


“I am a board-certified Psychiatric Mental Health Nurse Practitioner who acknowledges each client's individuality and provides a holistic remedy based on personal needs.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Empowering, Humorous, Open-minded
Accepts 2 insurance carriers

Offers free consultationsView profile and book
Ciddet Abrahams

Ciddet Abrahams

Psychiatric Mental Health NP

Virtual • Texas


“My approach is warm, collaborative, and results-driven. You'll leave each session with clarity, confidence, and an actionable plan toward better mental health.”
Anger management, Anxiety, Bipolar disorder, Depression, Maternal mental health
Participatory, Solution-oriented, Warm
Accepts 4 insurance carriers
Emmanuel Frimpong

Emmanuel Frimpong

Psychiatric Mental Health NP

Virtual • Texas


I am a board certified Psychiatric MentalHealth Nurse Practitioner dedicated to providing holistic,compassionate and empathetic care to kids, adolescents, adults and families who are facing mental health challenges. I have over 20 years of experience in diverse setting, including high acuity out patient psychiatric care, crisis intervention and relapse prevention as well as family centered psychiatric care. I combine evidence based practice with patient approach to treatment. My focus is on MOOD DISORDERS, ANXIETY, DEPRESSION AND ADHD and offer medication management as well as supportive psychotherapy and pychoeducation. I help to empowre individual on their recovery journey in a stigma free environment. I am committed to accessible quality mental health to all.

ADD/ADHD, Anxiety, Bipolar disorder, Depression, Eating disorders
Empowering, Humorous, Open-minded
Accepts 6 insurance carriers

Offers free consultationsView profile and book
Ogochukwu Ndukwu

Ogochukwu Ndukwu

Psychiatric Mental Health NP

Virtual • Texas


Ogochukwu (Ogo) is a board-certified Psychiatric Mental Health Nurse Practitioner licensed in Texas and Washington. Drawing from years of nursing and healthcare leadership experience, she provides compassionate, evidence-based care to adolescents and adults experiencing anxiety, depression, ADHD, trauma-related disorders, mood disorders, and other psychiatric health concerns. Ogo takes a patient-centered approach that emphasizes collaboration, education, and individualized treatment planning to help clients achieve lasting wellness.

ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Affirming, Open-minded, Solution-oriented
Accepts 4 insurance carriers
Patrick Igbokwe

Patrick Igbokwe

Psychiatric Mental Health NP

Virtual • Texas


I am an ANCC board-certified Psychiatric Mental Health Nurse Practitioner. Prior to this, I spent eleven years in Intensive Critical Care Nursing. I treat a wide range of mental health conditions, including Depression, Anxiety, Bipolar Disorder, Sleep Disorder, PTSD, ADHD and more. I provide care with a holistic approach, prioritizing overall wellbeing. Emotional, social, spiritual, familial, and cultural wellbeing are integral to the care i provide. My clients can expect attentive care that addresses their concerns and challenges, fostering a sense of being cared for, empowered, and hopeful for recovery.

ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Holistic, Solution-oriented, Warm
Accepts 5 insurance carriers
Tricia Green

Tricia Green

Psychiatric Mental Health NP

Virtual • Texas


“I provide compassionate, evidence-based psychiatric care for adults and older adults in Texas and Arizona.”
Anger management, Anxiety, Bipolar disorder, Depression, Grief or loss
Open-minded, Participatory, Solution-oriented
Accepts 4 insurance carriers
Elizabeth Gyang

Elizabeth Gyang

Psychiatric Mental Health NP

Virtual • Texas


Hi, I’m Elizabeth Gyang, a Board-Certified Psychiatric Mental Health Nurse Practitioner (PMHNP-BC) with a Master of Science in Nursing. I provide compassionate, evidence-based mental health care in a supportive and judgment-free environment.

I work with children, adolescents, and adults experiencing anxiety, depression, ADHD, eating disorders, mood disorders, and other mental health challenges. My approach is personalized, collaborative, and focused on helping each individual achieve emotional wellness and improved quality of life.

I believe every person deserves to feel seen, heard, and supported. My goal is to empower you and your family with the tools and guidance needed to navigate life's challenges and build lasting resilience.

I look forward to partnering with you on your journey toward healing and wellness—one step at a time.

ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Empowering, Holistic, Warm
Accepts 7 insurance carriers

Offers free consultationsView profile and book
Chinasa Oriaku

Chinasa Oriaku

Psychiatric Mental Health NP

Virtual • Texas


“I believe that mental health care should be empowering, personalized, and rooted in evidence-based treatment.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Cultural & ethnic issues
Empowering, Open-minded, Solution-oriented
Accepts 10 insurance carriers
Dr. Michelle Petmi Ndomo

Dr. Michelle Petmi Ndomo

Psychiatric Mental Health NP

Virtual • Richmond, TX


“She stands out for her fair approach to patient care, treating everyone equally regardless of their background.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Empowering, Holistic, Solution-oriented
Accepts 3 insurance carriers
Belynda Umeh

Belynda Umeh

Psychiatric Mental Health NP

Virtual • Texas


“My goal is to create a safe, supportive space where you feel heard, respected, and involved in your care.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Holistic, Open-minded, Warm
Accepts 6 insurance carriers
Anthony Ofeinmun

Anthony Ofeinmun

Psychiatric Mental Health NP

Virtual • Texas


“My approach is compassionate, collaborative, and evidence-based, with a focus on creating a safe, supportive environment where clients feel heard and actively involved in their treatment plan.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Direct, Solution-oriented, Warm
Accepts 4 insurance carriers
Edith Okotie

Edith Okotie

Psychiatric Mental Health NP

Virtual • Texas


“I use evidence-based medication management along with supportive guidance to help you make meaningful progress.”
ADD/ADHD, Anxiety, Bipolar disorder, Cultural & ethnic issues, Depression
Participatory, Solution-oriented, Warm
Accepts 5 insurance carriers
Patrice Noel

Patrice Noel

Psychiatric Mental Health NP

Virtual • Texas


Hi, I’m Patrice Noel, a board-certified Family Nurse Practitioner and Psychiatric Mental Health Nurse Practitioner providing telehealth care across Texas. I work with adolescents, adults, and older adults, and I support people navigating anxiety, depression, bipolar disorder, psychosis, ADHD, OCD, trauma, substance use, grief, sleep concerns, eating disorders, and major life transitions. I believe asking for help is a real act of strength, and I’m proud to create an inclusive space for a wide range of individuals, including LGBTQ+ clients and military veterans.

ADD/ADHD, Anxiety, Bipolar disorder, Chronic conditions, Depression
Holistic, Solution-oriented, Warm
Accepts 7 insurance carriers
Dr. Lovely Omoregbe

Dr. Lovely Omoregbe

Psychiatric Mental Health NP

Virtual • Houston, TX


I am open to listening to patient in order to using an evidence-based approach to treatment option

Anxiety, Bipolar disorder, Depression, OCD, PTSD
Creative, Holistic, Solution-oriented
Accepts 5 insurance carriers
Dr. Anthonia Duru

Dr. Anthonia Duru

Psychiatric Mental Health NP

Virtual • Grand Prairie, TX


“I take the time to truly listen, because your story, your values, and your goals matter just as much as the symptoms you're facing.”
Anger management, Anxiety, Bipolar disorder, Depression, Eating disorders
Affirming, Participatory, Warm
Accepts 8 insurance carriers
Lawson Idon

Lawson Idon

Psychiatric Mental Health NP

Virtual • Texas


“My approach is empowering, open-minded, and both holistic and analytical. I work with adolescents and adults in a nonjudgmental, culturally sensitive environment...”
ADD/ADHD, Anxiety, Bipolar disorder, Chronic conditions, Depression
Empowering, Holistic, Open-minded
Accepts 4 insurance carriers
Comfort Adegbite

Comfort Adegbite

Psychiatric Mental Health NP

Virtual • Texas


“Her approach is warm, collaborative, and nonjudgmental, focused on meeting clients where they are and creating a safe space where they feel heard, understood, and supported.”
ADD/ADHD, Anxiety, Bipolar disorder, Depression, Eating disorders
Empowering, Holistic, Open-minded
Accepts 8 insurance carriers
Hellen Maturi

Hellen Maturi

Psychiatric Mental Health NP

Virtual • Texas


“I believe that effective mental health treatment begins with truly listening and understanding each person's unique experiences, challenges, and goals.”
ADD/ADHD, Anxiety, Bipolar disorder, Depression, Panic disorders
Empowering, Open-minded, Warm
Accepts 8 insurance carriers
Taofeekat Ajibade

Taofeekat Ajibade

Psychiatric Mental Health NP

Virtual • Texas


“My approach is holistic, collaborative, and evidence-based. I take time to understand each client's emotional, mental, and physical needs before creating a personalized treatment plan.”
Bipolar disorder, Depression, Eating disorders, OCD, Panic disorders
Empowering, Holistic, Warm
Accepts 10 insurance carriers
Yvette Brooks

Yvette Brooks

Psychiatric Mental Health NP

Virtual • Texas


“I strive to create a safe, warm, and judgment-free environment where you feel truly heard and respected.”
ADD/ADHD, Anxiety, Bipolar disorder, Cultural & ethnic issues, Depression
Empowering, Open-minded, Solution-oriented
Accepts 4 insurance carriers
Dr. Taiwo Abioye

Dr. Taiwo Abioye

Psychiatric Mental Health NP

Virtual • El Paso, TX


What truly sets me apart is my calm, compassionate, and nonjudgmental approach. I believe in meeting every individual exactly where they are, creating a safe and affirming space for open, honest communication. Together, we’ll build a collaborative relationship where goals, preferences, and values guide every step of your care. I am committed to providing stigma-free care; including those navigating challenges related to neurodivergence, substance use, trauma, identity or difficult past experiences. Everyone deserves to be seen, heard, and respected without fear of shame or judgment.

ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Empowering, Holistic, Solution-oriented
Accepts 4 insurance carriers
Adeyinka Adebayo

Adeyinka Adebayo

Psychiatric Mental Health NP

Virtual • Fairview, TX


Hello, I’m Adeyinka "Yinka" Adebayo, a dual board-certified Family Nurse Practitioner and Psychiatric Mental Health Nurse Practitioner. I provide comprehensive psychiatric care through telehealth, specializing in ADHD, anxiety, bipolar disorders, depression, and co-occurring conditions. My background includes experience in primary care, mental health, and outpatient clinical practice, allowing me to take a holistic, patient-centered approach to treatment. I focus on delivering personalized, evidence-based care that helps individuals achieve clarity, balance, and improved daily functioning.

ADD/ADHD, Anxiety, Bipolar disorder, Chronic conditions, Depression
Open-minded, Solution-oriented, Warm
Accepts 11 insurance carriers
Gabriel Eleda

Gabriel Eleda

Psychiatric Mental Health NP

Virtual • Lubbock, TX


“My approach is holistic, collaborative, and down to earth. I believe in meeting clients where they are and creating a space that feels comfortable and nonjudgmental.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Direct, Holistic, Warm
Accepts 5 insurance carriers
Nnamdi Ofoeze

Nnamdi Ofoeze

Psychiatric Mental Health NP

Virtual • Texas


“With a focus on holistic wellness, I aim to empower my patients to achieve their optimal mental health through therapeutic interventions, medication management, and collaborative treatment planning.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Empowering, Holistic, Open-minded
Accepts 9 insurance carriers
Teresa Campbell

Teresa Campbell

Psychiatric Mental Health NP

Virtual • Texas


“I like to get to know my patients in order to address their needs in a way that best fits into their lives.”
Anxiety, Bipolar disorder, Depression, Eating disorders, Grief or loss
Affirming, Solution-oriented, Warm
Accepts 4 insurance carriers
Funmi Okuseinde

Funmi Okuseinde

Psychiatric Mental Health NP

Virtual • Texas


I am a double board-certified Psychiatric Mental Health and Family Nurse Practitioner (PMHNP-BC, FNP-C) with over 15 years of nursing experience and clinical practice as a family nurse practitioner since 2020. I provide compassionate, evidence-based mental health care to adolescents and adults, including comprehensive psychiatric evaluations, diagnosis, medication management, and supportive treatment for conditions such as depression, anxiety, ADHD, PTSD, bipolar disorder, mood disorders, personality disorders, and other behavioral health concerns. My goal is to partner with patients in achieving optimal mental wellness and improved quality of life through individualized, patient-centered care and active therapeutic collaboration

ADD/ADHD, Anxiety, Bipolar disorder, Depression, Family issues
Empowering, Solution-oriented, Warm
Accepts 7 insurance carriers
Reema Cherian

Reema Cherian

Psychiatric Mental Health NP

Virtual & in-person • Richardson, TX


“My approach to providing care is rooted in compassion, evidence-based practice, and a strong therapeutic alliance.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Direct, Empowering, Solution-oriented
Accepts 7 insurance carriers
Lynda Agbai

Lynda Agbai

Psychiatric Mental Health NP

Virtual • Texas


As a psychiatric mental health nurse practitioner, I believe everyone deserves a safe space to be heard, supported, and understood. Reaching out for help can feel overwhelming, but you do not have to navigate life’s challenges alone. I work with clients experiencing anxiety, depression, stress, trauma, mood disorders, and other mental health concerns, and I strive to create a warm, relaxed, and nonjudgmental environment where clients feel comfortable being themselves. My approach is collaborative, supportive, and focused on helping each person find balance, healing, and emotional wellness at their own pace.

ADD/ADHD, Anxiety, Bipolar disorder, Depression, OCD
Empowering, Solution-oriented, Warm
Accepts 4 insurance carriers
Rebecca Oteng-mensah

Rebecca Oteng-mensah

Psychiatric Mental Health NP

Virtual • Richardson, TX


“As a board-certified Psychiatric Mental Health Nurse Practitioner with 14 years in healthcare, I provide personalized medication management...”
Anger management, Anxiety, Bipolar disorder, Depression, OCD
Empowering, Participatory, Solution-oriented
Accepts 6 insurance carriers
Sarah Jirinzu Carratala

Sarah Jirinzu Carratala

Psychiatric Mental Health NP

Virtual & in-person • Selma, TX


Sarah is a holistic nurse practitioner and family psychiatric & mental health nurse practitioner.

She is dedicated to her worked in the community with women, children, and families to promote mental wellness for over the past 7 years.

ADD/ADHD, Anxiety, Cultural & ethnic issues, Family issues, Infertility
Affirming, Empowering, Holistic
Accepts 4 insurance carriers
Adebisi Tijani

Adebisi Tijani

Psychiatric Mental Health NP

Virtual • Texas


“I am a compassionate and experienced psychiatry provider dedicated to helping individuals navigate the complexities of mental health.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Empowering, Open-minded, Solution-oriented
Accepts 11 insurance carriers
Nicoline Killi

Nicoline Killi

Psychiatric Mental Health NP

Virtual • Texas


“My goal is to provide thoughtful, individualized care that helps patients feel heard, supported, and empowered in their mental health journey.”
ADD/ADHD, Anxiety, Bipolar disorder, Depression, Sleep disorder
Empowering, Open-minded, Warm
Accepts 7 insurance carriers
Daniel Arhewoh

Daniel Arhewoh

Psychiatric Mental Health NP

Virtual • Fort Worth, TX


Daniel Arhewoh is a board-certified Mental Health Practitioner with over seven years of experience in psychiatry and behavioral health. I have garnered diverse experience, working in an in-patient psychiatric hospital and a community-based mental health clinic. I specialize in treating psychiatric and mental health disorders in patients ranging from pediatrics to adults. With the mix of medication and therapy, patients' mental health alterations are accurately addressed and patients are restored to an optimal level of functioning. I build a trusting relationship with my patients on the principles of care, compassion, and empathy.


I work with adults and children to improve the quality of their lives through a collaborative process in which the client and provider work together to devise a treatment plan that combines medication and behavioral modification.


In a world that is full of uncertainties, life can become overwhelming for everyone at some point. In times like these, you don't have to be alone. At Ideal Mental Health, you would be provided with needed support. Every encounter would be a rewarding and satisfying experience for the patient. I invite you to reach out and make a connection.

ADD/ADHD, Anxiety, Bipolar disorder, Depression, PTSD
Accepts 9 insurance carriers
Humphery Chama

Humphery Chama

Psychiatric Mental Health NP

Virtual • Texas


“My approach to treatment is a client-centered approach through, holistic care and evidence-based practices.”
ADD/ADHD, Anxiety, Bipolar disorder, Depression, Eating disorders
Holistic, Open-minded, Warm
Accepts 7 insurance carriers
Iruka Nweke

Iruka Nweke

Psychiatric Mental Health NP

Virtual • Texas


“Mrs. Nweke holistic approach to patient care should be empathy, compassion, and respect for a patient's wishes and responding to their needs appropriately based on their wishes.”
ADD/ADHD, Anxiety, Bipolar disorder, Depression, OCD
Affirming, Holistic, Warm
Accepts 10 insurance carriers
Laura Peterson

Laura Peterson

Psychiatric Mental Health NP

Virtual • Texas


Laura is a dedicated Psychiatric Mental Health Nurse Practitioner (PMHNP) with over a decade of experience in mental health care. She earned her Master’s degree with honors from Rowan University, and her clinical background includes inpatient work at a Neuroscience Behavioral Health facility as well as at the well-respected Dunn Behavioral Health Center. Throughout her career, she has had the privilege of working with individuals across the lifespan—children, adolescents, adults, and seniors—addressing a wide range of mental health concerns. Her approach centers on providing compassionate, holistic, and collaborative care. She believes that mental health is a vital part of overall well-being and strives to create a safe, supportive environment where clients feel heard and understood. She works closely with her clients to develop personalized treatment plans tailored to their unique needs and goals. With extensive experience treating ADHD, anxiety, depression, mood disorders, and more, she is passionate about helping clients find hope, resilience, and renewed vitality. Laura is committed to supporting individuals on their journey toward mental wellness, believing everyone has the potential to live a fulfilling and balanced life. Whether clients seek relief from specific challenges or aim to improve their overall mental health, she partners with them every step of the way to achieve their goals.

ADD/ADHD, Anxiety, Bipolar disorder, Depression, OCD
Empowering, Open-minded, Warm
Accepts 7 insurance carriers

Offers free consultationsView profile and book
Fouzia Junaid

Fouzia Junaid

Psychiatric Mental Health NP

Virtual • Texas


“My goal is to create a supportive, non judgmental space where you feel heard and empowered in your healing.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Affirming, Empowering, Warm
Accepts 8 insurance carriers
Merit Nwosu

Merit Nwosu

Psychiatric Mental Health NP

Virtual • Houston, TX


“Our philosophy goes beyond medication alone, we take a holistic approach to mental health that includes the thoughtful use of supplements, vitamins, nutrition, exercise, and mindfulness.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Empowering, Open-minded, Solution-oriented
Accepts 10 insurance carriers
Joyce Sanni

Joyce Sanni

Psychiatric Mental Health NP

Virtual • Texas


“My approach is collaborative. You are not just being treated—you are an active partner in your care.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Holistic, Open-minded, Warm
Accepts 5 insurance carriers
Victor Onodjacha

Victor Onodjacha

Psychiatric Mental Health NP

Virtual • Sugar Land, TX


So nice to meet you!

As a board certified psychiatric nurse practitioner, I believe good mental health is paramount for a stable and happy life. Congratulations on taking the first step in seeking help for your mental health! I’ve been practicing for 3 years with my main focus now on female clients aged 15-55 who are struggling with anxiety, depression and bipolar disorder.

ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Empowering, Holistic, Warm
Accepts 6 insurance carriers
41 - 80 of

About our psychiatrists serving Laredo, TX

Number of psychiatrists serving Laredo, TX
There are over 957 psychiatrists in Laredo, TX accepting new patients.
957+
Average years in practice
Watercolor illustration of a bookshelf
6 years
Top specialties offered
Watercolor illustration of specialties
  • 99%Anxiety
  • 99%Depression
  • 90%Bipolar disorder
  • 90%PTSD
  • 82%OCD
Insurances accepted
Watercolor illustration of insurance cards
  • 99%Aetna
  • 98%Cigna
  • 89%Blue Cross and Blue Shield of Texas
  • 88%Carelon Behavioral Health
  • 73%Ascension
Languages spoken
Watercolor illustration of languages
  • 98%English
  • 7%Spanish
  • 6%Igbo
  • 6%Yoruba
  • 3%Hindi
How they see their clients
Watercolor illustration of therapy session
  • 84%Online only
  • 16%In-person or online
Provider gender
Watercolor illustration of gender identity
  • 80%Woman
  • 20%Man
License types
Watercolor illustration of license
  • 58%Advanced Practice Registered Nurse - Certified Nurse Practitioner
  • 35%Advanced Practice Nurse
  • 6%Medical Doctor
  • 1%Doctor of Osteopathic Medicine
Treatment approaches
Watercolor illustration of treatment approach
  • 96%Individual therapy
  • 20%Family therapy
  • 7%Child or adolescent therapy
  • 7%Couples therapy

Frequently asked questions

Therapy Chair

Happy patient looking away

Find the right psychiatrist for you

Headway makes it easy to find support for your mental health — from finding the right provider, to understanding costs, to scheduling with ease.

Factors to Consider When Choosing a Psychiatrist in Laredo

Finding psychiatrists in Laredo starts with knowing what type of care matches your needs. Psychiatrists and psychiatric mental health nurse practitioners can diagnose mental health conditions and prescribe medication, while therapists focus on talk therapy. If you’re looking for support with anxiety, depression, ADHD, bipolar disorder, obsessive-compulsive disorder, or medication management, a psychiatrist may be part of your care plan. Review each psychiatrist’s listed specialties, clinical focus, and approach to see whether their training matches what you want help with.

In a mid-sized city like Laredo, local office options may vary by neighborhood, schedule, and specialty. Virtual psychiatry can give you more appointment choices while in-person visits may work better if you prefer an office setting near Downtown, South Laredo, North Laredo, or nearby areas. Psychiatric appointments for medication management are often shorter and less frequent than therapy sessions, and some psychiatrists also offer therapy. Some people work with both a therapist and a prescriber, so it helps to read bios for details on appointment structure, communication style, and whether a free phone consultation is offered.

Psychiatric care in Laredo can be a significant expense without insurance. Using in-network insurance is one of the most reliable ways to reduce session costs and understand what you may pay before you book. Headway helps you find psychiatrists who are accepting new patients, verify your insurance, and see an estimated cost upfront. You can compare profiles, choose between virtual and in-person options when available, and book directly when you’re ready.

If you're already taking psychiatric medication and considering switching providers, talk to your current prescriber before changing or stopping any medication — most psychiatric medications shouldn't be stopped abruptly. Anyone experiencing thoughts of self-harm or in acute crisis should call 988 or go to the nearest emergency department rather than wait for an outpatient appointment.

Explore more psychiatrists in Texas

Use left and right arrow keys to switch tabs. Press Shift+Tab to return to the tab list from links in the selected tab.

1 Cost may vary based on your location, age, and insurance coverage.