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Calm has teamed up with Grow Therapy to connect you with a mental health therapist who accepts your health insurance.

Licensed to practice in 2 states and accepts 41 insurances. Specializes in Anxiety, Depression and 1 more.

Karl Fray

(he/him)

LCSW, 7 years of experience
Solution oriented
Open-minded
Empowering
VirtualAvailable

Hi, I’m a Licensed Clinical Social Worker (LCSW) in Virginia. In 2017, I received my Master’s in Social Work from Temple University, and I have been in the field for 7 years and have been licensed for two years. My main population to focus on is Adults who are struggling with Depression and Anxiety due to a shift or change in their overall wellbeing.

Get to know me

In our first session together, here's what you can expect

In our first session together, we’ll start with building and fostering a therapeutic rapport and alliance to assess better, identify, and implement evidence-based interventions and skills to assist in managing any presenting symptoms that might be affecting your overall well-being.

The biggest strengths that I bring into our sessions

Having experience working with an array of individuals for the past several years, I’ve developed a surplus of skills and strengths that have given me an encyclopedia of creative and tailored therapeutic interventions that incorporate the client’s strengths in order to assist in their healing journey.

The clients I'm best positioned to serve

I enjoy working with adults who are struggling with mental health and emotional health difficulties that might impact their ability to achieve their best potential in different aspects of their lives, such as major life changes, Grief and Loss, Relationship Conflicts, and Career and Work Stressors.

Specialties

Top specialties

Anxiety

Depression

Other specialties

Trauma and PTSD

I identify as

Black / African American

Man

Serves ages

Adults (18 to 64)

Licensed in

District of Columbia

Virginia

Accepts

Aetna

Aetna - ASR Health Benefits

Aetna - Allied Benefits

Aetna - Luminare

Aetna - Moda

Aetna - WebTPA

Aetna – HealthEZ

All Savers

Amerihealth Administrators

Anthem

Arlo

AvMed

Blue Cross Blue Shield

CareFirst

Independence Administrators

Independence Blue Cross

Cash - $150 per session

Centivo

Cigna

Cigna - HealthEZ

EAP:Cigna

EAP:Evernorth

EAP:UnitedHealthcare/Optum

Evernorth

GTEB

Golden Rule

Harvard Pilgrim/UnitedHealthcare

Kaiser Permanente

Kaiser Permanente - Medicaid

UnitedHealthcare/Optum

Optum

OptumHealth Complex Medical Conditions

Oscar

Oxford

Surest (formerly Bind)

Tufts Health/Cigna

United Medical Resources

UnitedHealthcare Life Insurance

UnitedHealthcare Shared Services

UnitedHealthcare StudentResources

UnitedHealthcare/Optum - Medicaid

Location

Virtual

My treatment methods

Cognitive Behavioral (CBT)

"Throughout my five-year clinical career, I’ve grown to understand the meaning of the quote, “Mental Health is not a destination, but a process; it’s about how you drive, not where you’re going.” Using Cognitive Behavioral Therapy, I’ve assisted a wide range of clients throughout their mental health journey of self-reflection, self-exploration, and self-awareness. Utilizing a wide range of CBT evidenced-based interventions and techniques during our sessions, we’ll be able to identify the interplay between thoughts, emotions, and behaviors. In addition, increasing a deeper comprehension and perspective on how to challenge and manage maladaptive behaviors and symptoms that impact your overall functioning.

, 49 ratings

6 ratings with written reviews

July 5, 2026

I was very specific about what I was looking for in a provider based on their profile, and thankfully, Karl has been exactly what I needed. He has been incredibly supportive and empowering, and his approach aligns well with the way I think while also challenging me with the perspective I need to continue growing.

Verified client, age 35-44
Review shared after session 2 with Karl

May 30, 2026

He was nice. I'm unsure if he's too demanding about paperwork, rather than you deciding with him.

Verified client, age 25-34
Review shared after session 2 with Karl

May 15, 2026

I have seen a good amount of therapist in my few days of life yet he gave me feedback and things to consider I have not heard before. Also he has a chill vibe about him.

Verified client, age 25-34
Review shared after session 1 with Karl