Dr. Annette Gallardo PHD, LPC-MHSP
Mental Health Counselor
She is located at 1437 North Washington Avenue in Cookeville, TN 38501. Can help patients with the following: Depression, Grief, Isolation, Mental Illness, Online Therapy, Parenting. Her National Provider Identifier (NPI) number is 1851531453. Appointment can be made via the phone number (931) 372-9915.
Conditions treated
Dr. Annette Gallardo, being an mental health counselor, treats the following conditions. Please be advised that this list may not be complete. For the full list of conditions treated, consult directly with Dr. Annette Gallardo.
- Anger Management
- Anxiety
- Attention-Deficit/Hyperactivity Disorder (ADHD)
- Career Counseling
- Child Abuse
- Compassion Fatigue
- Depression
- Dialectical Behavior Therapy (DBT)
- Family Conflict
- Gender Identity
- Grief
- Isolation
- Life Transitions
- Loss, Grief, and Bereavement
- Mental Illness
- Obsessive Compulsive Disorder (OCD)
- Online Therapy
- Parenting
- Posttraumatic Stress Disorder (PTSD)
- Rape and Sexual Assault
- Relationship Issues
- School Issues
- Self-Esteem
- Spirituality and Religion
- Stress
- Trauma
ACA Marketplace (Obamacare/HealthCare.gov) plan networks
Insurers selling ACA Marketplace (HealthCare.gov) plans list Dr. Annette Gallardo as in-network for the following 2026 plans.
Health plans
BlueCross BlueShield of Tennessee
Network data as of Aug 25, 2026, as reported by the insurer.
Show all 12 plans from BlueCross BlueShield of Tennessee
| Plan | Plan type | Network tier | New patients |
|---|---|---|---|
| BlueCross B15E $0 virtual care from Teladoc Health® (8 plan variants) | EPO · Bronze | Behavhealth | Accepting new patients |
| BlueCross B16E $50 PCP Copay + $0 virtual care from Teladoc Health® (8 plan variants) | EPO · Expanded Bronze | Behavhealth | Accepting new patients |
| BlueCross B16S $50 PCP Copay + $0 virtual care from Teladoc Health® (8 plan variants) | EPO · Expanded Bronze | Behavhealth | Accepting new patients |
| BlueCross B17E $0 virtual care from Teladoc Health® + Adult Dental (8 plan variants) | EPO · Bronze | Behavhealth | Accepting new patients |
| BlueCross B19E $60 PCP Copay + $0 virtual care from Teladoc Health® (8 plan variants) | EPO · Expanded Bronze | Behavhealth | Accepting new patients |
| BlueCross G08E $30 PCP Copay + $0 virtual care from Teladoc Health ® (8 plan variants) | EPO · Gold | Behavhealth | Accepting new patients |
| BlueCross G08S $30 PCP Copay + $0 virtual care from Teladoc Health ® (8 plan variants) | EPO · Gold | Behavhealth | Accepting new patients |
| BlueCross S26E $40 PCP Copay + $0 virtual care from Teladoc Health® (8 plan variants) | EPO · Silver | Behavhealth | Accepting new patients |
| BlueCross S26S $40 PCP Copay + $0 virtual care from Teladoc Health® (8 plan variants) | EPO · Silver | Behavhealth | Accepting new patients |
| BlueCross S27E $60 PCP Copay + $0 virtual care from Teladoc Health® (8 plan variants) | EPO · Silver | Behavhealth | Accepting new patients |
| BlueCross S29E $60 PCP Copay + $0 virtual care from Teladoc Health® + Adult Dental (8 plan variants) | EPO · Silver | Behavhealth | Accepting new patients |
| BlueCross S34E $45 PCP Copay + $0 virtual care from Teladoc Health® (8 plan variants) | EPO · Silver | Behavhealth | Accepting new patients |
Cigna Healthcare
Network data as of Sep 15, 2026, as reported by the insurer.
Show all 10 plans from Cigna Healthcare
| Plan | Plan type | Network tier | New patients |
|---|---|---|---|
| Connect Bronze 7500 Indiv Med Deductible | EPO · Bronze | Preferred | Accepting new patients |
| Connect Bronze 8500 Indiv Med Deductible | EPO · Expanded Bronze | Preferred | Accepting new patients |
| Connect Bronze CMS Standard | EPO · Expanded Bronze | Preferred | Accepting new patients |
| Connect Gold 1500 Indiv Med Deductible | EPO · Gold | Preferred | Accepting new patients |
| Connect Gold CMS Standard | EPO · Gold | Preferred | Accepting new patients |
| Connect myDiabetesCare Bronze | EPO · Expanded Bronze | Preferred | Accepting new patients |
| Connect myDiabetesCare Silver | EPO · Silver | Preferred | Accepting new patients |
| Connect Silver 3000 Indiv Med Deductible | EPO · Silver | Preferred | Accepting new patients |
| Connect Silver 4500 Indiv Med Deductible | EPO · Silver | Preferred | Accepting new patients |
| Connect Silver CMS Standard | EPO · Silver | Preferred | Accepting new patients |
UnitedHealthcare
Network data as of Sep 16, 2026, as reported by the insurer.
Show all 12 plans from UnitedHealthcare
| Plan | Plan type | Network tier | New patients |
|---|---|---|---|
| UHC Bronze Copay Focus (Virtual Urgent Care, No Referrals) | EPO · Expanded Bronze | Non Preferred | Accepting new patients |
| UHC Bronze Copay Focus + (Virtual Urgent Care, Dental + Vision, No Referrals) | EPO · Expanded Bronze | Non Preferred | Accepting new patients |
| UHC Bronze Essential (No Referrals) | EPO · Bronze | Non Preferred | Accepting new patients |
| UHC Bronze Standard (No Referrals) | EPO · Expanded Bronze | Non Preferred | Accepting new patients |
| UHC Gold Advantage (Virtual Urgent Care, No Referrals) | EPO · Gold | Non Preferred | Accepting new patients |
| UHC Gold Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) | EPO · Gold | Non Preferred | Accepting new patients |
| UHC Gold Copay Focus (Virtual Urgent Care, No Referrals) | EPO · Gold | Non Preferred | Accepting new patients |
| UHC Gold Standard (No Referrals) | EPO · Gold | Non Preferred | Accepting new patients |
| UHC Silver Advantage (Virtual Urgent Care, No Referrals) | EPO · Silver | Non Preferred | Accepting new patients |
| UHC Silver Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) | EPO · Silver | Non Preferred | Accepting new patients |
| UHC Silver Copay Focus (Virtual Urgent Care, No Referrals) | EPO · Silver | Non Preferred | Accepting new patients |
| UHC Silver Standard (No Referrals) | EPO · Silver | Non Preferred | Accepting new patients |
This covers ACA Marketplace plans only, as reported by each insurer. It does not include employer, Medicare Advantage, or state-run exchange plans, and a plan missing from this list does not mean Dr. Annette Gallardo is out of network. Insurer directories can be out of date, so always confirm with the insurer and the office before your visit.
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Questions & Answers
Where can you meet with Dr. Annette Gallardo?
Dr. Annette Gallardo's office is located at 1437 North Washington Avenue in Cookeville, TN 38501.
What conditions does Dr. Annette Gallardo treat?
Dr. Annette Gallardo provides treatment for Depression, Grief, Isolation, Mental Illness, Online Therapy, Parenting. For the full list see this list.
Does Dr. Annette Gallardo accept insurance?
Dr. Annette Gallardo is listed in-network for 34 ACA Marketplace (Obamacare/HealthCare.gov) plans from BlueCross BlueShield of Tennessee, Cigna Healthcare, UnitedHealthcare. See the Marketplace plans section for details.