I'm Fred. I’m a licensed clinical social worker with experience in both medical and behavioral health settings, specializing in anxiety, trauma, and addictions. My approach is practical and collaborative — rooted in Rational Emotive Behavior Therapy (REBT) and supported by evidence-based tools. I provide a safe, judgment-free space where clients can challenge unhelpful patterns, build emotional resilience, and reconnect with what matters most.

Fred Pence

Oxford

Geisinger - Commercial

Cash

Cigna

Tufts Health/Cigna

EAP:Cigna

EAP:Evernorth

Evernorth

Harvard Pilgrim/UnitedHealthcare

All Savers

Surest (formerly Bind)

Optum

UnitedHealthcare/Optum

AvMed

Oscar

UnitedHealthcare Shared Services

UnitedHealthcare Life Insurance

EAP:UnitedHealthcare/Optum

OptumHealth Complex Medical Conditions

Golden Rule

UnitedHealthcare StudentResources

United Medical Resources

Aetna

Anthem

Blue Cross

Blue Cross Blue Shield

Florida Blue

Blue Shield

Carefirst

Highmark

Medicare

Medicaid

Husky Health

Kaiser Colorado

Kaiser Permanente

Kaiser Georgia

Harvard Pilgrim

Independence Blue Cross

Amerihealth

Carelon Behavioral Health (Commercial)

L.A. Care Covered Direct

L.A. Care Covered

Central California Alliance for Health (Commercial)

L.A. Care PASC-SEIU

Sharp Health Plan

WellCare

Tufts Health

Buckeye Health Plan

Buckeye Health Plan (Managed Medicaid)

Medicaid - Buckeye Health Plan

Managed Health Services (Managed Medicaid)

Medicaid - Managed Health Services

Horizon

Humana - Medicare

Humana Dual (Medicare & Medicaid)

Ambetter Health

UnitedHealthcare/Optum - Medicare

Aetna - Medicare

Blue Cross Blue Shield - Medicare

Florida Blue - Medicare

Blue Shield of California - Medicare

Highmark - Medicare

Independence Keystone 65 HMO

Independence Personal Choice 65 PPO

Blue Shield (MHSA) Magellan

Kaiser Mid-Atlantic States

UnitedHealthcare/Optum - Medicaid

Peach State Health Plan (Managed Medicaid)

Medicaid - Peach State Health Plan

WellCare of Georgia

Blue Care Network

Kaiser Permanente - Medicaid

Kaiser Mid-Atlantic States - Medicaid

Kaiser Permanente - Medicare

Kaiser Mid-Atlantic States - Medicare

Kaiser Georgia - Medicare

Blue Shield of California - Medi-Cal

Blue Shield of California Promise Health Plan (Medi-Cal)

Buckeye Health Plan - MyCare Ohio (Medicare-Medicaid Plan)

Medical Mutual of Ohio

CareSource - Medicaid

Blue Cross Blue Shield - Medicaid

Health Plan of San Joaquin - Medi-Cal

Kern Family Health Care - Medi-Cal

UCare - Medicaid

Horizon - Medicare

Parkland Community Health Plan - Medicaid

Health Net (Medi-Cal)

CalViva Health (Medi-Cal)

Community Health Plan of Imperial Valley (Medi-Cal)

Kaiser Colorado - Medicare

Scripps Health Plan

Geisinger - Medicare

Amerihealth Administrators

Amerihealth NJ Medicare Advantage

Central California Alliance for Health (Medi-Cal)

Santa Clara Family Health Plan - Medi-Cal

Partnership HealthPlan of California (Medi-Cal)

San Francisco Health Plan (Medi-Cal)

L.A. Care Health Plan (Medi-Cal)

Gold Coast Health Plan (Medi-Cal)

Independence Administrators

Medica

Dean Health Plan