Therapists that accept Cash Pay in Florida
Choosing a cash pay option for mental health care can provide flexibility and access to quality support without the constraints of insurance networks. With 1632 verified therapists in Florida who accept cash pay, you can explore therapeutic approaches such as cognitive behavioral therapy, solution-focused therapy, and supportive counseling to address a range of concerns, including anxiety, depression, and ADHD. Each Grow Therapy-verified therapist that has a cash pay option listed below is currently welcoming new clients and has availability soon, offering you a straightforward path to compassionate, accessible care on your terms.
Availability updated: 6/17/2025
Annie (Chana)
$200/session
LMFT
7 years of experience
Virtual
I’m a warm, insight-oriented therapist who offers a steady, compassionate space for adults navigating grief, relational wounds, and the impact of growing up around emotional chaos or inconsistency. My approach is grounded in deep listening and curiosity—I help clients slow down and make sense of their inner experience, uncovering patterns that may have once been protective but now feel limiting. Together, we create room for new ways of relating—to yourself, to others, and to your story. Healing, in my work, begins with being deeply seen and understood.
Jenni Schmidt
(she/her)
$100/session
LCSW
10 years of experience
Virtual
Hi there, I'm Jenni!
Feeling stuck and frustrated? Struggling to deal with the loss of a loved one? Trying to find balance in your life while coping with chronic illness? Expecting an upcoming change? Not able to sleep or stay on top of things in your life? I am here to help!
Therapy cannot be effective if we are not meeting your specific needs and goals. I want to meet you where you are and together identify a path forward. I like to understand you, your values, and your background while also giving you solution-focused interventions you can utilize to make changes. If talking it through without homework is the way you want to go, that is fine too! We are all capable of change and moving forward but sometimes it is the dialogues in our head, relationships, or other factors that are getting in our way. Therapy is a great place to work through those and be more connected with what you value in your life. Let's work together!
Find therapists experienced in these areas
Kristan Haas
(she/her)
$100/session
LMHC
3 years of experience
Virtual
Hi! I'm a Licensed Mental Health Counselor (LMHC) based in Florida. I received my Masters from Capella University and have been practicing in Florida for several years. I help adults struggling with symptoms of anxiety, depression, and/or trauma. I use Cognitive Behavioral Therapy and a mindfulness based approach. I am also trained in Eye Movement Desensitization and Reprocessing (EMDR).
Atensia Bowen
$150/session
LCSW
10 years of experience
Virtual
I am a Licensed Clinical Social Worker who specializes in helping individuals and families cope and thrive living with a chronic illness or diagnosis. I use Cognitive Behavioral Therapy techniques, and Family and Couples Counseling strategies. I believe that therapy is a partnership. I am here to help you set goals, identify challenging areas in your life, and test out new ways of thinking and managing your life's challenges. Your well-being and success are most important to me. I am committed to encouraging, empowering, and supporting you. There is no problem too big or too trivial. Confidentiality and respect are my top priority.
Chris Merritt
$120/session
LCSW
9 years of experience
Virtual
I’m a Licensed Clinical Social Worker with extensive experience helping individuals navigate the challenges of depression, anxiety, trauma, substance use, and major life transitions. My work is grounded in compassion, collaboration, and a deep respect for each person’s unique story. Whether you’re feeling stuck, overwhelmed, or uncertain about your next steps, therapy can be a place to make sense of where you are and begin creating meaningful change. While I work with a diverse range of clients, I often support professionals facing career-related stress, burnout, or difficult decisions, as well as individuals seeking clarity in the midst of complex relationships or life transitions.
Michelle Flynn
(she/her)
$150/session
LCSW
20 years of experience
Virtual
Do you often second-guess yourself? Do you have a hard time remembering some things? Do you often wonder why you do and say the things that you do and say? Do you feel anxious about… everything? Our lives are like puzzles. Some scenes and pictures are more complicated than others and require assistance being put together. The pieces often get mixed up, flipped over, and sometimes put in the wrong box. I'm here to help you flip those pieces over and arrange them in their appropriate spots to help you gain perspective, increase your self-awareness, and develop healthy coping mechanisms in a safe, relaxing, validating, and judgment free environment.
I empower individuals in overcoming anxiety, setting boundaries, and identifying and processing traumatic or life altering events that may have been overlooked. Together we take a holistic approach, addressing your physical, mental, emotional, and spiritual self, as well as the different roles you play in your daily life.
Amber Pestian
(she/her)
$150/session
LCSW
18 years of experience
Virtual
My name is Amber Pestian, and I’m a Licensed Clinical Social Worker (LCSW) providing psychotherapy to individuals, couples, and families. I offer a supportive, client-centered space where people can explore life’s challenges and move toward healing. With over a decade of experience, I bring a compassionate, informed approach to every session—whether we’re working through mental health concerns, behavioral challenges, or relationship dynamics.
Pascha Avery
(she/her)
$100/session
LMHC
13 years of experience
Virtual
Hey there, My name is Pascha, I am a license mental health counselor
I have 13+ years of experience working in the mental health profession
I have experience with children, adolescents, couples, and adults in multiple mental health settings.
I am a Veteran of the United States Air Force and has experience helping clients navigate symptoms of ADHD, anxiety, depression, substance abuse, relationship issues, behavioral issues, emotional regulation, and more.
Wilfredo Guzman
(he/him)
$175/session
LMHC
5 years of experience
Virtual
I’m Wilfredo Guzman (he/him/él), a bilingual Licensed Mental Health Counselor based in Orlando, Florida. I received my Masters from Rollins College and have been practicing for 5 years. I provide affirming, client-centered therapy to individuals navigating challenges related to identity, trauma, substance use, and life transitions. With a direct and compassionate approach, I collaborate with clients to explore their mental wellness, build coping skills, and create more satisfying and empowered lives.
Josh Klink
$100/session
LMHC
10 years of experience
Virtual
I am a licensed mental health counselor dedicated to helping individuals, couples, and families navigate life’s challenges with confidence and compassion. My goal is to support you in finding balance, improving emotional well-being, and building the tools you need to thrive. Together, we’ll work toward making your life easier, and more fulfilling. I offer a safe, nonjudgmental space where you can feel heard and understood.
Jeannine Ciliotta
(she/her)
$65/session
LCSW
6 years of experience
Virtual
Hi! I am a Licensed Clinical Social Worker in New York and Florida. I have 30 years experience in the helping profession and 7 years as a therapist. I believe that insight without action leads to stagnation and frustration. It is valuable to talk about problems and issues but without a plan of action, clients become discouraged. Much of my work will involve identifying a next right step in addressing problems.
Susi Cetta
(she/her)
$150/session
LMHC
15 years of experience
Virtual
I truly enjoy working with adolescents, young adults, and adults throughout the life span. I enjoy working with individuals who wish to bring some balance and peace to their lives and to reduce symptoms of anxiety, depression, ADHD, social anxiety, school phobia, and other issues affecting their daily life functioning. My goal is to work towards helping you understand yourself better to experience improvement in your daily life. Let's build a plan together to make this change a reality. I have a great deal of clinical, teaching, and administrative experience. I enjoy working with clients who want to make school, vocational, career, life, or family transitions, coping with the harsh and intense stressors of daily life, and helping to bring a sense of calm, control, confidence, happiness, and most of all balance back to your daily life.
Alex Byron
(she/her)
$150/session
LMHC
10 years of experience
Virtual
As a therapist, I often work with individuals coping with anxiety, low self-esteem, difficulty coping day to day and relationship dynamics. As your therapist, I will always meet you where you're at and help you in finding a path that allows you to meet your goals. I am here to help you find your way back to yourself. In our counseling sessions, I am here to support, challenge and guide you as you learn to grow and embrace new ways of approaching life. As a therapist, I also have a strong background in a wide range of specialties. I have worked in a residential hospital, in private practice, and as an elementary school teacher. Having a diverse background allows me to support all clients in a way that best fits their needs.
Yana Sasaki
$200/session
LMHC
8 years of experience
Virtual
Ever since my early years, I've drawn to the enigmatic depths of the human mind. The infinite complexity of our thoughts, emotions and behaviors has always fascinated me, igniting a passion for psychology that burns brighter with each passing day. It's a passion that led me to dedicate my life to this field, and it's my genuine pleasure to share my insights and experiences with you.
Rachael Trippett
$100/session
LMHC
18 years of experience
Virtual
Hi, I am a Licensed Mental Health Counselor (LMHC) based in Florida. I have 18 years of experience in the behavioral health field. I enjoy working with adolescents, adults, and families. I have a lot of experience and feel confident working with clients experiencing issues in the following areas: addiction, depression, relationship issues, adolescent issues, anxiety, codependency, self harm, self esteem, trauma, adjustment to life changes, and parenting.
Jerica McQueen
$120/session
LMHC
3 years of experience
Virtual
Hi, I’m Jerica, a licensed mental health counselor who offers therapy as a place to exhale, reflect, and reconnect with yourself. I help clients navigate identity shifts, trauma, burnout, life transitions, LGBTQ+ exploration, and religious deconstruction. I also support clients experiencing anxiety, depression, or general overwhelm. My goal is to create a warm, collaborative space that honors your full humanity, not just your symptoms or circumstances. Whether you're processing deep emotional wounds or simply trying to feel more like yourself again, I'll meet you where you are with compassion, curiosity, and respect.
Mariajose Guerra
$120/session
LMHC
3 years of experience
Virtual
Hi! I’m a Licensed Mental Health Counselor (LMHC) based in Florida. I received my Master’s in Clinical Mental Health Counseling and have been practicing for several years. I work with children, teens, and young adults who are navigating challenges like anxiety, depression, low self-esteem, and relationship difficulties. My goal is to create a safe, supportive space where clients feel heard and empowered to build healthier coping skills, improve communication, and develop greater self-awareness. Together, we work toward feeling more confident, connected, and emotionally balanced.
Ms. Kay
(she/her)
$100/session
LMHC
10 years of experience
Virtual
I am a therapist that is devoted to helping clients work towards becoming their better self. I am a supportive and understanding therapist that allows room for non judgement. I am an honest and transparent therapist that will allow my client to work through and process any cognitive distortions they may have. My goal is to help clients reach their goals while maintaining the growth developed throughout the therapeutic process.
Talia Waitkus
(she/her)
$150/session
LCSW
20 years of experience
Virtual
I started In Between Counseling because I know firsthand how overwhelming life’s transitions can be—whether it’s navigating the teenage years, stepping into adulthood, or figuring out who you are in the chaos of work, relationships, and parenthood. I specialize in helping teens and adults manage stress, anxiety, and depression, guiding them through the messy "in-between" moments of life with humor, empathy, and straight-to-the-point honesty.
Nelsy Villalobos
(she/her)
$185/session
LCSW
25 years of experience
Virtual
As a Licensed Clinical Social Worker with over 20 years of experience, I am deeply committed to helping individuals navigate emotional challenges and create meaningful, lasting change. My work is grounded in a compassionate, client-centered approach that honors each person’s unique story and resilience. I specialize in treating anxiety, depression, trauma, and self-esteem issues across the lifespan—from pre-teen (over age 11) to older adults. I primarily use Cognitive Behavioral Therapy (CBT) to help clients identify and shift unhelpful thought patterns that impact their mood, behavior, and relationships. To support holistic healing, I integrate mindfulness-based strategies that enhance emotional awareness and regulation, along with trauma-focused care that prioritizes safety, trust, and empowerment.
Hontah Epps
$125/session
LCSW
26 years of experience
Virtual
2024 is my 25th year as a social worker, clinical therapist, educator, supervisor, and leader committed to support vulnerable populations.
My Social Work career was initiated by my passion to support those
within vulnerable populations, specifically within the child welfare system. I began my career as a Social Worker working within the Child Welfare system in New York City. In
2003, I relocated to Charlotte, NC and continued my work within Child Welfare as a Child Protective Services Social Worker. In 2008, I obtained my clinical licensure which initiated my move from providing direct clinical services to children, young adults and families.
Dr. Martecia Oates
$140/session
LMHC
6 years of experience
Virtual
Hey! I am Dr. Martecia "Tecii" Oates and I am a licensed professional counselor servicing clients in CO, FL and OK. I work primarily with athletes, college students, young professionals, and teenagers. I work with ages (14-40). I aim to be a helping hand to clients who are navigating life transitions, experiencing symptoms related to anxiety and depression, as well as clients who are struggling with self-esteem and low confidence.
Jorge Cruz
$100/session
LMHC
10 years of experience
Virtual
Hello, my name is Jorge, and I'm here to support you on your journey to a healthier and more fulfilling life. As a Licensed Mental Health Counselor and Certified Addiction Professional, with 60 years of life and professional experiences I bring a unique and valuable perspective to therapy. I have gained a deep understanding of the evidence-based practices that can help you address issues with substance use addiction as well as behavioral addictions including compulsive Internet use, gambling, and compulsive sexual behavior. Addressing the underlying causes of addiction is of equal importance and often involves trauma-focused therapy and Psychotherapy to manage the anxiety and depression that frequently are part of the problem. By tailoring a comprehensive approach to addiction therapy, we will address the unique needs of each individual to produce the best possible results.
Candice Lubin
(she/her)
$105/session
LCSW
8 years of experience
Virtual
I am committed to providing personalized and empathetic mental health care. I have extensive experience in both outpatient and inpatient treatment settings, I've worked with individuals from diverse backgrounds, guiding them through a wide range of emotional and psychological challenges.
I work from a variety of evidence-based approaches, including Cognitive Behavioral Therapy (CBT), Solution-Focused Therapy, Strengths-Based Therapy, and Mindfulness techniques.
Algelis Gonzalez
(he/him)
$100/session
LMHC
4 years of experience
Virtual
My name is Algelis Gonzalez, though I am commonly known as Al. My motivation to become a therapist stems from my personal journey. Growing up in a Latino culture, I developed a curiosity about people both within my community and beyond. This curiosity has driven me to understand the reasons behind our behaviors, both positive and negative. Throughout my career as a therapist, I continue to learn and grow, drawing from the vast knowledge available in the field.
I am deeply committed to helping my clients embrace their true selves, regardless of their personality traits—whether they are humorous, quiet and shy, hesitant to trust, or feeling frustrated with the world. I believe that everyone is welcome in my practice. Recognizing that none of us are perfect and that we are all striving to make sense of life’s complexities, I focus on exploring my clients’ experiences with respect and understanding. My goal is to facilitate their growth in ways they may not have previously thought possible.
Frequently asked questions
Why filter by Florida rather than a city
like Tampa?
When looking for online therapy, you can see anyone that is credentialed in the state. We want you to find the best fit, therefore, Grow Therapy shows available therapists across Florida from Miami to Jacksonville! If you’d rather see someone in-person, you can change the filter from virtual and find a therapist near you in Florida.
Will my therapist take insurance?
When booking you’ll be asked to verify with your Member ID. However, if you don’t have any of the insurances available you can select cash. Our therapists will have their cost of appointment on their profile. Individual session costs will vary.
How does the Specialty Filter work? Can I find a therapist that focuses on Depression?
The specialty filter is optional. You don’t need to check any boxes to see a provider. However, fit is very important when selecting an online therapist. If you have knowledge or experience to recognize what specialties you may need. For example, your selected specialty, Depression, is filtering therapists in Florida that work with patients with similar concerns.
Why use Gender, Age, and Identities filters?
Finding a provider with a similar life experience can be beneficial because it can be easier to establish rapport and potentially be understood quicker and clearer.
What to expect during your first session?
Your first therapy session is for you and your therapist to meet each other and to ask any questions that you have about the counseling process. This is where you can expect your therapist to do the same as they will ask questions to gain insight into your specific situation. In this first session the therapist is doing their part to gather as much information so they can better assess if they are able to meet your therapeutic needs.
Depending upon your provider's specialty, you may also discuss the methods the therapist will use. For additional information on therapy methods, please visit the Grow Therapy Help Center. Some people feel nervous before their first appointment, and that is totally normal! Coming prepared with a list of questions for your therapist may help. Remember, you're taking a brave step by seeking therapy, and it is okay to be nervous as you try something new.
Depending upon your provider's specialty, you may also discuss the methods the therapist will use. For additional information on therapy methods, please visit the Grow Therapy Help Center. Some people feel nervous before their first appointment, and that is totally normal! Coming prepared with a list of questions for your therapist may help. Remember, you're taking a brave step by seeking therapy, and it is okay to be nervous as you try something new.