Time of Need Counseling is a group of licensed counselors who provide individual counseling for Maryland residents by Telehealth (video). We assist clients who are coping with grief and loss, depression, anxiety, loss, life transitions and unexpected changes. Connie Wolf, MA, is a Certified Grief Recovery Specialist. We accept CareFirst, Blue Cross, Blue Choice and all federal BCBS, Cigna, Evernorth, United Healthcare, Multiplan, Magellan and UBH insurance accepted.