Therapists in Hobe Sound, FL

Photo of Churchill Counseling LLC, Counselor in Hobe Sound, FL
Churchill Counseling LLC
Counselor, LMHC
Verified
Hobe Sound, FL 33455
I am here to serve those struggling with depression, anxiety, bipolar, ADHD, addiction and trauma. I also am here to help children and teens who are struggling with these issues as well. I have spent nearly two decades of my career assisting this population and I am excited to bring this to my own practice. Please for more information on who I am and why I am passionate about this visit my website at churchillcounselingllc.com.
I am here to serve those struggling with depression, anxiety, bipolar, ADHD, addiction and trauma. I also am here to help children and teens who are struggling with these issues as well. I have spent nearly two decades of my career assisting this population and I am excited to bring this to my own practice. Please for more information on who I am and why I am passionate about this visit my website at churchillcounselingllc.com.
(772) 238-6199 View (772) 238-6199
Photo of Sean O'Connor Psychedelic Therapy, Pre-Licensed Professional in Hobe Sound, FL
Sean O'Connor Psychedelic Therapy
Pre-Licensed Professional, MA, LMHCI
Verified
3 Endorsed
Hobe Sound, FL 33455  (Online Only)
Do you find yourself overcome with feelings of hopelessness or worry, struggling with meaningful connections despite your best efforts? If you are stuck in your healing journey and are curious about Psychedelic Assisted therapy, I’d love to help. Our work together will incorporate both traditional and non-traditional therapy into your use of psychedelics, helping you to feel whole again. We will help you find relief from the inner turmoil that overwhelms you by identifying unhealthy patterns, navigating difficult emotions, and guiding you toward a renewed, heightened sense of self-love and a feeling of gratitude towards life.
Do you find yourself overcome with feelings of hopelessness or worry, struggling with meaningful connections despite your best efforts? If you are stuck in your healing journey and are curious about Psychedelic Assisted therapy, I’d love to help. Our work together will incorporate both traditional and non-traditional therapy into your use of psychedelics, helping you to feel whole again. We will help you find relief from the inner turmoil that overwhelms you by identifying unhealthy patterns, navigating difficult emotions, and guiding you toward a renewed, heightened sense of self-love and a feeling of gratitude towards life.
(321) 450-3538 View (321) 450-3538
Photo of Donald Gregory Berch, Counselor in Hobe Sound, FL
Donald Gregory Berch
Counselor, EdD
Verified
1 Endorsed
Hobe Sound, FL 33455  (Online Only)
Life in todays' world is challenging and trying to move through it alone can add additional stress. I have extensive experience helping people in a safe, secure, friendly and relaxed way with their often-overwhelming concerns about feelings, behaviors and relationships. As a licensed counselor, I care about clients' concerns. Through the use of Cognitive Behavioral Therapy, Rational Emotive Behavioral Therapy ( REBT ) and / or Systemic Therapy, clients can free themselves from stressful concerns and feel fulfilled. To start your anticipated move away from stressful concerns, call Donald Berch at ( 772 ) 485-0706.
Life in todays' world is challenging and trying to move through it alone can add additional stress. I have extensive experience helping people in a safe, secure, friendly and relaxed way with their often-overwhelming concerns about feelings, behaviors and relationships. As a licensed counselor, I care about clients' concerns. Through the use of Cognitive Behavioral Therapy, Rational Emotive Behavioral Therapy ( REBT ) and / or Systemic Therapy, clients can free themselves from stressful concerns and feel fulfilled. To start your anticipated move away from stressful concerns, call Donald Berch at ( 772 ) 485-0706.
(772) 413-0410 View (772) 413-0410
Photo of Laura Pigott, Counselor in Hobe Sound, FL
Laura Pigott
Counselor, LMHC
Verified
1 Endorsed
Hobe Sound, FL 33455
Have you been feeling overwhelmed ? In our initial session, we will collaborate on a plan that will support your success in meeting your goals. I am a passionate Licensed Mental Health Counselor with 10 years of experience. I incorporate many treatment modalities in therapy to provide a unique treatment plan for each individual including EMDR, CBT, DBT and Person Centered approaches. EMDR is a highly effective treatment modality used to address symptoms associated with trauma. I look forward to connecting with you to begin your journey of growth.
Have you been feeling overwhelmed ? In our initial session, we will collaborate on a plan that will support your success in meeting your goals. I am a passionate Licensed Mental Health Counselor with 10 years of experience. I incorporate many treatment modalities in therapy to provide a unique treatment plan for each individual including EMDR, CBT, DBT and Person Centered approaches. EMDR is a highly effective treatment modality used to address symptoms associated with trauma. I look forward to connecting with you to begin your journey of growth.
(772) 934-9492 View (772) 934-9492
Photo of Debra Lawrence, Clinical Social Work/Therapist in Hobe Sound, FL
Debra Lawrence
Clinical Social Work/Therapist, LCSW, TF-CBT
Verified
Hobe Sound, FL 33455
Not accepting new clients
The decision to pursue therapy is a powerful step towards change and personal growth. We all have challenges in our lives. Whether you’re feeling stuck, overwhelmed by transition, needing to heal past hurts, grieving losses, or learning how to live a more authentic and meaningful life, together we will explore desired areas of change and growth. Even if what is holding you back is unclear, I welcome you to come in and start wherever you are. I am “Crossroads Consulting International, LLC”. With more than 30 years in practice, I can offer you a supportive and caring relationship from which to address these things.
The decision to pursue therapy is a powerful step towards change and personal growth. We all have challenges in our lives. Whether you’re feeling stuck, overwhelmed by transition, needing to heal past hurts, grieving losses, or learning how to live a more authentic and meaningful life, together we will explore desired areas of change and growth. Even if what is holding you back is unclear, I welcome you to come in and start wherever you are. I am “Crossroads Consulting International, LLC”. With more than 30 years in practice, I can offer you a supportive and caring relationship from which to address these things.
(772) 206-3402 View (772) 206-3402
Photo of Jeanine Smith, Marriage & Family Therapist in Hobe Sound, FL
Jeanine Smith
Marriage & Family Therapist, LMFT
Verified
1 Endorsed
Hobe Sound, FL 33455  (Online Only)
On the outside you’re a woman who appears to have it all together, but on the inside you're falling apart. You feel the weight of the world on your shoulders, juggling all of your responsibilities and still feeling like a bad mom, partner, or daughter. You feel like you’re walking on eggshells trying to keep everyone else happy, even when it’s at the expense of your own priorities or self-care. You may have been struggling with this for so long that you don’t even remember a time things didn’t feel this way. But you know life can feel different than it does today, and you’re ready for some support to make that happen.
On the outside you’re a woman who appears to have it all together, but on the inside you're falling apart. You feel the weight of the world on your shoulders, juggling all of your responsibilities and still feeling like a bad mom, partner, or daughter. You feel like you’re walking on eggshells trying to keep everyone else happy, even when it’s at the expense of your own priorities or self-care. You may have been struggling with this for so long that you don’t even remember a time things didn’t feel this way. But you know life can feel different than it does today, and you’re ready for some support to make that happen.
(772) 207-0956 View (772) 207-0956
Photo of Lori M Oberacker, Counselor in Hobe Sound, FL
Lori M Oberacker
Counselor, MS, LMHC, ACC, CNHP
Verified
1 Endorsed
Hobe Sound, FL 33455
I take a person-centered approach to counseling, while utilizing tools from many other types of therapies. I feel it is important to get to the root of an issue by figuring out where it began, process through it to find healing and acceptance, and then use tools and techniques to make specific changes in thoughts and behaviors. I believe setting goals helps to track progress and can be a great motivator. I see counseling as a holistic process and integrate spiritual, physical, & mental aspects into the process, as you feel comfortable.
I take a person-centered approach to counseling, while utilizing tools from many other types of therapies. I feel it is important to get to the root of an issue by figuring out where it began, process through it to find healing and acceptance, and then use tools and techniques to make specific changes in thoughts and behaviors. I believe setting goals helps to track progress and can be a great motivator. I see counseling as a holistic process and integrate spiritual, physical, & mental aspects into the process, as you feel comfortable.
(561) 921-8914 View (561) 921-8914
Photo of Linnea Michaels, Clinical Social Work/Therapist in Hobe Sound, FL
Linnea Michaels
Clinical Social Work/Therapist, LCSW
Verified
1 Endorsed
Hobe Sound, FL 33455  (Online Only)
I am a licensed psychotherapist (NY, NJ, CT, & FL) working with adults facing challenges with everyday life. This treatment encourages acceptance of our vulnerabilities and commitment to behaviors based on values. Together, we focus on addressing internalizing symptoms (anxiety, depression) and externalizing symptoms (substance abuse, acting out/behavior problems) surrounding relationship issues, work/academic performance, divorce/separation, family conflicts, trauma, self-esteem issues, social skill deficits, and stress.
I am a licensed psychotherapist (NY, NJ, CT, & FL) working with adults facing challenges with everyday life. This treatment encourages acceptance of our vulnerabilities and commitment to behaviors based on values. Together, we focus on addressing internalizing symptoms (anxiety, depression) and externalizing symptoms (substance abuse, acting out/behavior problems) surrounding relationship issues, work/academic performance, divorce/separation, family conflicts, trauma, self-esteem issues, social skill deficits, and stress.
(475) 250-2574 View (475) 250-2574
Photo of Bettina V Fiessinger, Counselor in Hobe Sound, FL
Bettina V Fiessinger
Counselor, PsyS, LMHC, NCC
Verified
Hobe Sound, FL 33455
Are you having problems communicating with your child? Is your child struggling at school or socially? When working with children and teens, it usually involves self-esteem and efficacy problems, often rooted in family dynamics or an inability to get needs met. This is confounded by learning difficulties. I work with those families and individuals having problems with getting their needs met through healthy channels. Often screening or testing identifies areas of treament focus,or the need for speech, occupational or learning specialists.
Are you having problems communicating with your child? Is your child struggling at school or socially? When working with children and teens, it usually involves self-esteem and efficacy problems, often rooted in family dynamics or an inability to get needs met. This is confounded by learning difficulties. I work with those families and individuals having problems with getting their needs met through healthy channels. Often screening or testing identifies areas of treament focus,or the need for speech, occupational or learning specialists.
(561) 899-7504 View (561) 899-7504
Photo of Nancy Polites LCSW, Clinical Social Work/Therapist in Hobe Sound, FL
Nancy Polites LCSW
Clinical Social Work/Therapist, LCSW, AdvEFT
Verified
Hobe Sound, FL 33455
When you feel stuck, out of sorts, things just aren't going well, some coaching or therapy might help you. You may feel anxious, sad, angry, annoyed-- perhaps at the bottom of your "stuckness". I invite you to work with me on these issues, knowing that either long-standing or recent problems are fixable--solutions are just around the corner. A special tool I share is EFT - Emotional Freedom Technique. This quickly and easily releases specific negative feelings. Anxiety, fears, phobias, guilt, grief, limiting beliefs are just some of the upsets you can release. It even helps soothe panic attacks quickly. Let's have a chat!
When you feel stuck, out of sorts, things just aren't going well, some coaching or therapy might help you. You may feel anxious, sad, angry, annoyed-- perhaps at the bottom of your "stuckness". I invite you to work with me on these issues, knowing that either long-standing or recent problems are fixable--solutions are just around the corner. A special tool I share is EFT - Emotional Freedom Technique. This quickly and easily releases specific negative feelings. Anxiety, fears, phobias, guilt, grief, limiting beliefs are just some of the upsets you can release. It even helps soothe panic attacks quickly. Let's have a chat!
(561) 463-3785 View (561) 463-3785
Photo of Kathryn Verner, Counselor in Hobe Sound, FL
Kathryn Verner
Counselor, LMHC, NCC, BCETS
Verified
Hobe Sound, FL 33455
I am committed to clients well-being and to helping them find the life they love living. My clients know that I care, that I am there for them, that I know who they are and where they want to be.They count on me to have the "insight," training and experience to get them there. It is an honor to be a part of my clients' lives and to see them become confident and happy with the person they are and to feel "joy." My favorite client comments are "I can do this" and "I love my life!"
I am committed to clients well-being and to helping them find the life they love living. My clients know that I care, that I am there for them, that I know who they are and where they want to be.They count on me to have the "insight," training and experience to get them there. It is an honor to be a part of my clients' lives and to see them become confident and happy with the person they are and to feel "joy." My favorite client comments are "I can do this" and "I love my life!"
(561) 463-3091 View (561) 463-3091
Photo of Ruthie Steinberg, LMHC, Counselor in Hobe Sound, FL
Ruthie Steinberg, LMHC
Counselor, LMHC
Verified
Hobe Sound, FL 33455
I treat children, adolescents and adults. I am holistic in my treatment and I am a child advocate. I attend meetings at schools when necessary to ensure that every child or adolescent I treat receives the services needed. I am goal oriented and I maintain excellent communication with parents to ensure that the goals are achieved. I treat people from age 3 and up. The foundation I received between my education at Columbia University and my experience at New York Hospital, Cornell Medical Center, makes me unique to Palm City Florida. If I can help, please call!
I treat children, adolescents and adults. I am holistic in my treatment and I am a child advocate. I attend meetings at schools when necessary to ensure that every child or adolescent I treat receives the services needed. I am goal oriented and I maintain excellent communication with parents to ensure that the goals are achieved. I treat people from age 3 and up. The foundation I received between my education at Columbia University and my experience at New York Hospital, Cornell Medical Center, makes me unique to Palm City Florida. If I can help, please call!
(772) 675-1507 View (772) 675-1507
Photo of Jamie Turndorf, Clinical Social Work/Therapist in Hobe Sound, FL
Jamie Turndorf
Clinical Social Work/Therapist, PhD, LCSW
Hobe Sound, FL 33475
Perhaps you've been in therapy before, but still feel stuck. Maybe you're lonely and can't find the right relationship or your relationship is breaking your heart. Maybe you want a closer connection with your kids, friends or family. Or perhaps you just aren't happy at work. If you're ready to transform your life, call me and let's begin the journey. It's my mission to help you end the pain, find internal peace, let go of patterns that aren't working for you, experience more joyous relationships, and have more success at work.
Perhaps you've been in therapy before, but still feel stuck. Maybe you're lonely and can't find the right relationship or your relationship is breaking your heart. Maybe you want a closer connection with your kids, friends or family. Or perhaps you just aren't happy at work. If you're ready to transform your life, call me and let's begin the journey. It's my mission to help you end the pain, find internal peace, let go of patterns that aren't working for you, experience more joyous relationships, and have more success at work.
(845) 391-0512 View (845) 391-0512
Photo of Brandi Rials, Psychologist in Hobe Sound, FL
Brandi Rials
Psychologist, MA, PsyD
Verified
2 Endorsed
Hobe Sound, FL 33455
My work with individuals, groups, and families focuses on an overall improvement in communication and functioning at home, in the community and with peers. I specialize in the treatment of children, adolescents and young adults with ADHD symptoms, social interaction problems, disordered eating patterns (including overweight and underweight individuals), substance use and academic concerns. I have extensive experience with individuals and their families struggling with executive functioning deficits, healthy eating problems and positive behavior choices, providing the emotional support and behavioral strategies that illicit lasting change.
My work with individuals, groups, and families focuses on an overall improvement in communication and functioning at home, in the community and with peers. I specialize in the treatment of children, adolescents and young adults with ADHD symptoms, social interaction problems, disordered eating patterns (including overweight and underweight individuals), substance use and academic concerns. I have extensive experience with individuals and their families struggling with executive functioning deficits, healthy eating problems and positive behavior choices, providing the emotional support and behavioral strategies that illicit lasting change.
(561) 420-0571 View (561) 420-0571
Photo of Elaine Heroux, Clinical Social Work/Therapist in Hobe Sound, FL
Elaine Heroux
Clinical Social Work/Therapist, LCSW
Verified
Hobe Sound, FL 33455
If you are experiencing anxiety, depression, hopelessness and frustration your inner and outer worlds may not be in alignment. If you are living in the past, facing life transitions, having relationship problems or feeling there should be more to life, I can help shine a light on unconscious thoughts and beliefs that may be sabotaging your journey. Our night dreams are portals to the past, the future, the body and the next world. They contain immense wisdom and guidance. I see myself as a guide/midwife who will support you to follow an inner spiritual and psychological path which will help you and the way you see the world.
If you are experiencing anxiety, depression, hopelessness and frustration your inner and outer worlds may not be in alignment. If you are living in the past, facing life transitions, having relationship problems or feeling there should be more to life, I can help shine a light on unconscious thoughts and beliefs that may be sabotaging your journey. Our night dreams are portals to the past, the future, the body and the next world. They contain immense wisdom and guidance. I see myself as a guide/midwife who will support you to follow an inner spiritual and psychological path which will help you and the way you see the world.
(561) 250-7631 View (561) 250-7631
Photo of Counseling Centre of Stuart, LLC, Counselor in Hobe Sound, FL
Counseling Centre of Stuart, LLC
Counselor, LMHC
Verified
Hobe Sound, FL 33455
Life offers no shortage of interpersonal difficulties. I provide individual, marital and family therapy to address these challenges. My approach begins with a supportive and understanding assessment of the presenting problem and together we develop an individualized treatment plan that addresses you or your family's specific concerns.The first session is intended to create a foundation of trust and discuss the reason you sought treatment. From there sessions, usually about 45-50 minutes in length, map out strategies and review homework assigned to assess the progress of therapy.
Life offers no shortage of interpersonal difficulties. I provide individual, marital and family therapy to address these challenges. My approach begins with a supportive and understanding assessment of the presenting problem and together we develop an individualized treatment plan that addresses you or your family's specific concerns.The first session is intended to create a foundation of trust and discuss the reason you sought treatment. From there sessions, usually about 45-50 minutes in length, map out strategies and review homework assigned to assess the progress of therapy.
(772) 236-6265 View (772) 236-6265
Photo of Limitless Potentials, Clinical Social Work/Therapist in Hobe Sound, FL
Limitless Potentials
Clinical Social Work/Therapist, PhD, LCSW, CAP, E-IAYT, EMDR
Verified
Hobe Sound, FL 33455
For over 30 years Dr. Kathy works with individuals, families, teens and couples impacted by trauma, addiction, legal issues, and random life circumstances. In live or zoom sessions, she utilizes cognitive behavioral and alternative (mindful) therapies to restore balance and support you on your life journey. As a licensed psychotherapist, certified EMDR, addiction, yoga, and Gottman (Level 3) trained therapist, and creator of the Fun(TM) program, Dr. Kathy unpacks tools to design a plan of action targeted to relieve suffering. She also assists families with the Marchman Act or conducts interventions when loved ones refuse help.
For over 30 years Dr. Kathy works with individuals, families, teens and couples impacted by trauma, addiction, legal issues, and random life circumstances. In live or zoom sessions, she utilizes cognitive behavioral and alternative (mindful) therapies to restore balance and support you on your life journey. As a licensed psychotherapist, certified EMDR, addiction, yoga, and Gottman (Level 3) trained therapist, and creator of the Fun(TM) program, Dr. Kathy unpacks tools to design a plan of action targeted to relieve suffering. She also assists families with the Marchman Act or conducts interventions when loved ones refuse help.
(561) 275-5012 View (561) 275-5012
Photo of Melissa Rowell, Counselor in Hobe Sound, FL
Melissa Rowell
Counselor, MS, LMHC
Verified
Hobe Sound, FL 33455
Hi, I am so glad you have found my page! I know it can be a little overwhelming as you scroll through all the counselor profiles searching for that perfect fit. I work with many professional leaders in the field such as nurses, doctors, first responders, and clergy that are very successful in one area of their lives, but seem to struggle in other areas. Such as: personal relationships, anxiety management, stress, communication within the family, and trauma from the intense work they conduct for others. I am a trained EMDR trauma therapist, couple communication instructor, and member of the SFACC.
Hi, I am so glad you have found my page! I know it can be a little overwhelming as you scroll through all the counselor profiles searching for that perfect fit. I work with many professional leaders in the field such as nurses, doctors, first responders, and clergy that are very successful in one area of their lives, but seem to struggle in other areas. Such as: personal relationships, anxiety management, stress, communication within the family, and trauma from the intense work they conduct for others. I am a trained EMDR trauma therapist, couple communication instructor, and member of the SFACC.
(772) 618-2761 View (772) 618-2761
Photo of Magdalena Sanchez, Clinical Social Work/Therapist in Hobe Sound, FL
Magdalena Sanchez
Clinical Social Work/Therapist, LCSW
Verified
1 Endorsed
Hobe Sound, FL 33455  (Online Only)
Magdalena is my given name, but I prefer Maggie. Imagine your ideal life and what that looks like. What are your barriers to reaching your full potential? Have you struggled before with making decisions that could affect the trajectory of your life? Have you struggled with depression, anxiety, and/or other co-occurring disorders? Are you ready to take the next steps to take control of your life and what you want? I welcome you to take those steps.
Magdalena is my given name, but I prefer Maggie. Imagine your ideal life and what that looks like. What are your barriers to reaching your full potential? Have you struggled before with making decisions that could affect the trajectory of your life? Have you struggled with depression, anxiety, and/or other co-occurring disorders? Are you ready to take the next steps to take control of your life and what you want? I welcome you to take those steps.
(772) 646-9575 View (772) 646-9575
Photo of Amanda Parker Boyer, Mental Health Counselor in Hobe Sound, FL
Amanda Parker Boyer
Mental Health Counselor, NCC, LMHC-QS, LPC
Verified
3 Endorsed
Hobe Sound, FL 33455
I help clients struggling with unhelpful or painful thoughts, feelings or memories - who feel helpless or uncertain of how to handle or let go of them. My goal is to assist clients with feeling more present, connected and confident; reaching their full potential and living a life that is more aligned with their personal values and goals. I have had the privilege of being a therapist for 10 years with experience including anxiety, depression, trauma, substance use and relationships. Self worth, relational challenges, and the brain-body connection are important areas I tend to focus on with clients.
I help clients struggling with unhelpful or painful thoughts, feelings or memories - who feel helpless or uncertain of how to handle or let go of them. My goal is to assist clients with feeling more present, connected and confident; reaching their full potential and living a life that is more aligned with their personal values and goals. I have had the privilege of being a therapist for 10 years with experience including anxiety, depression, trauma, substance use and relationships. Self worth, relational challenges, and the brain-body connection are important areas I tend to focus on with clients.
(561) 485-1842 View (561) 485-1842

See more therapy options for Hobe Sound

How can I find a therapist in Hobe Sound?

Search for nearby therapists or counselors by inputting your city, town, or suburb; or zip code; or a provider’s name into the search bar. From there, you can filter providers by the issues they treat, cost, insurance, gender, and other factors to find providers who are well-suited to your needs. To navigate between locations within the same country, enter a new city or zip code into the search bar.

Learn more about how to find a therapist.

Is online therapy a good option?

Therapy conducted online can be just as effective as in-person therapy, as long as there is a strong alliance between the client and the therapist. To find a therapist who provides telehealth services to clients in your area, click “Online Therapy” on the directory homepage and search by your city or town or your zip code.

What’s the difference between a psychologist, a therapist, and a counselor?

Therapists, psychologists, and counselors are all licensed mental health professionals. In the US, psychologists have earned a doctoral degree. The terms “therapist” and “counselor” are used somewhat interchangeably, but generally therapists offer longer-term, mental health care, while counselors offer shorter-term care that may focus on one domain, such as marriage, career, or academic challenges.

What type of therapist is right for me?

Clients should consider factors such as insurance coverage and their primary reason(s) for seeking therapy to determine the type of professional best suited to their needs. Someone struggling with mental health challenges such as depression or anxiety, for example, may wish to seek out a clinical psychologist or therapist, while someone navigating career obstacles or marital upheaval may benefit from seeing a counselor who can offer short-term, targeted support.

Is everyone in the Psychology Today Therapy Directory a licensed therapist?

The Psychology Today directory lists providers who offer legitimate mental health services to the public, including psychologists, psychiatrists, social workers, and counselors. Many have been licensed by the country or state where they practice; providers whose license or primary credential has been verified by Psychology Today are signified by a “Verified” symbol. Some clinicians or organizations provide services for which their state or country does not offer licenses, such as pastoral counseling. They may be selectively included without the “Verified” seal.

What type of therapy is right for me?

The type of therapy best suited to a particular individual depends on several factors, including their primary reason for seeking therapy, their preferred timeline (some therapy types last for a set number of sessions, while others are open-ended), and their personality and preferences—some may prefer a more structured approach. For many individuals, multiple types of therapy could provide a good fit.

Is online therapy cheaper than in-person therapy?

Many therapists charge the same amount for online therapy as they do for in-person therapy—though clients may still find this cost-effective if it cuts down on their transportation costs. Health insurance plans often offer equivalent coverage for online and in-person therapy; indeed, in many places, they are legally required to do so. Text-based or on-demand therapy apps may be cheaper than traditional one-on-one psychotherapy; however, the practice may be less effective and is not likely to be covered by insurance.