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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 4 states and accepts 50 insurances. Specializes in Career Counseling, Coping Skills, Life Transitions and 6 more.

Toby Unterfranz

(he/him)

LPCC, 10 years of experience
Open-minded
Authentic
Empowering
VirtualAvailable

I tend to thrive in crisis. Ideal with the toughest cases of trauma, shootings, cults abductions, and domestic violence. I have been able to help so many veterans as well over the past 12+ years in my positions with US Service Animals, Simple, Practice, Grow Therapy and other telehealth platforms. I was an early adopter of telehealth and I have seen it. Make such a difference for so many people because of the comfort that is brought by being able to open up in an environment you know is safe, your own home/space. I take a solutions focused and a client centered approach. I am also insight oriented. I have a lot of insight when it comes to dealing with physical pain and disabilities as I have a visual disability since very young and suffered a TBI at age 24. I like to focus on what issues you are having and come up with coping mechanisms that will work for you. Dealing with the struggles I have had throughout my life has helped me work with people and develop creative and effective coping mechanisms for their specific issues. I have now lived and worked in several states with varying cultures and have benefited from all of these experiences. I have spent a lot of time in a hospital and work well with nurses and medical professionals as well. Please reach out if you think I can help and I will meet you where you are and see where we can go from here.

Get to know me

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

We will learn about each other and what goals you have. But you are struggling with and what you hoped to achieve.

The biggest strengths that I bring into our sessions

Let's identify what you are struggling with, and develop coping mechanisms to specifically combat those struggles.

The clients I'm best positioned to serve

Whatever you are struggling with, I believe we can find a way to deal with it and move forward.

Specialties

Top specialties

Career Counseling

Coping Skills

Life Transitions

Other specialties

Dissociative Disorders

Foster Care/Adoption

Learning Disabilities

Military/Veterans

Self Esteem

Spirituality

I identify as

Buddhist

Man

White

Serves ages

Adults (18 to 64)

Licensed in

Florida

Illinois

New Mexico

Ohio

Accepts

Aetna

Aetna - ASR Health Benefits

Aetna - Allied Benefits

Aetna - Luminare

Aetna - Moda

Aetna - WebTPA

Aetna – HealthEZ

All Savers

Ambetter Health

Amerihealth Administrators

Amerihealth NJ Medicare Advantage

Arlo

AvMed

Blue Cross Blue Shield

Anthem

Independence Blue Cross

Independence Administrators

Buckeye Health Plan (Managed Medicaid)

Medicaid - Buckeye Health Plan

Buckeye Health Plan

Cash - $80 per session

Centivo

Cigna

Cigna - HealthEZ

EAP:Cigna

EAP:Evernorth

EAP:UnitedHealthcare/Optum

Evernorth

GTEB

Golden Rule

Harvard Pilgrim/UnitedHealthcare

Humana - Medicare

Humana Dual (Medicare & Medicaid)

Medical Mutual of Ohio

UnitedHealthcare/Optum

Optum

OptumHealth Complex Medical Conditions

Oscar

Oxford

Surest (formerly Bind)

Tufts Health/Cigna

UMR - Advocate Aurora Health

United Medical Resources

UnitedHealthcare Dual (Medicare & Medicaid)

UnitedHealthcare Life Insurance

UnitedHealthcare Shared Services

UnitedHealthcare StudentResources

UnitedHealthcare/Optum - Medicaid

UnitedHealthcare/Optum - Medicare

UnitedHealthcare Complete Care (C-SNP)

Location

Virtual

, 7 ratings

4 ratings with written reviews

January 26, 2026

Toby convinced me that talk therapy can be effective with the right provider. He is an active listener and I have a much easier time talking to him than most other therapists I've tried counseling with. Many thanks Toby!

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

January 9, 2026

I have officially been working with Toby since November 2025. He understands me on a deep level as I have TBIs and need help navigating emotions. He has helped me find ways to communicate my feelings to loved ones when I need to.

Verified client, age 25-34
Review shared after session 5 with Toby

January 1, 2026

So far working with Toby I have found that I’m learning to manage things and situations with his guidance . He really takes the time to listen and come up with skills to help you . I really believe he’s a great psychologist and cares to help others .

Verified client, age 25-34
Review shared after session 5 with Toby