Penny Hovarter, Licensed Marriage and Family Therapist (LMFT) South Bend

Penny Hovarter, MS, LMFT

Licensed Therapist

A Quick Overview

Degrees and Accreditations

  • Masters in Marriage and Family Therapy
  • Licensed Marriage and Family Therapist (LMFT)



I have experience working in the areas of addictions/substance abuse, adjustment disorder, anxiety, ADD/ADHD, anger management, body image, burnout, Bi-polar Disorder, divorce, depression, domestic abuse, grief/loss, infidelity, life transitions, military veterans, marriage issues, OCD, personality disorders, PTSD, parenting, suicide, sexual abuse, trauma, and woman’s issues.

I work with children (6+), teens, adults, families, and couples.


I accept the following employer-sponsored insurance:

  • Anthem BCBS
  • Cigna
  • Lutheran Preferred
  • Signature Care
  • Three Rivers Preferred Plus
  • United Healthcare/UMR/Optum

If your insurance is not one that I accept, please check with your insurance provider to see if there would be any out-of-network reimbursement available to you for any of our therapy sessions. Crosswinds also accepts debit, credit, or HSA/FSA cards as forms of payment. The rate per therapy session is $130/hour with a Licensed Therapist.

Gaining Confidence to Overcome

You don’t feel like yourself. Life hasn’t been going the way you had hoped, and you’re not sure how to cope with the difficulties. You are not alone, whether you’re struggling with depression, grief, social anxiety, or trauma. We often don’t even know how our past has truly affected us until we get the safe space to talk about it openly. As your therapist, I will give you a safe space to explore any emotions and thoughts weighing on you. Together, we can make a treatment plan to find healing. I’m here with you in your pain, your life matters to me, and I will be a non-judgmental listening ear for you.

As a Licensed Marriage and Family Therapist, I have experience working with many different types of families, especially with teens and their parents. I am passionate about working with couples, and I enjoy utilizing the Gottman Method because it fosters connection, respect, empathy, and understanding. I also work with individuals and see many struggling with social anxiety, isolation, and depression. No matter what my clients face, I meet them where they’re at to develop understanding and goals.

Self-confidence is the number one takeaway I want my clients to learn from therapy. I want you to feel confident that you can overcome anything with the new tools and insights you have gained in therapy. I love helping families get along better and seeing them enjoy each other’s company more. It is wonderful to see individuals discover their internal strength and confidence to overcome their struggles. I can help you too. Discover a more joyful future by scheduling an appointment today.

Request an Appointment

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Our team of counselors has helped thousands of people gain confidence and overcome difficulty.

I can help you too.