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 145 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.

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Availability updated: 7/1/2025

Chris Merritt

Chris Merritt, LCSW - Florida Therapist at Grow Therapy
$130/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.

Faryal Choudry

Faryal Choudry, LCSW - Florida Therapist at Grow Therapy
$150/session
LCSW
1 year of experience
Virtual
I’m a Licensed Social Work Counselor. I graduated from Columbia University. I also have training in Applied Behavioral Analysis. I work with individuals navigating anxiety, trauma, disordered eating, depression, and substance use. My approach is compassionate, collaborative, and holistic. I utilize evidence-based practices, including CBT, DBT, mindfulness, psychodynamic, somatic, Adlerian, and Gestalt therapies, to support healing, self-awareness, and growth—mind, body, and spirit.

Andrew Penn

(he/him)

Andrew Penn, LMHC - Florida Therapist at Grow Therapy
$115/session
LMHC
8 years of experience
Virtual
Welcome! I am a Licensed Mental Health Counselor (LMHC) in Florida, and I have been practicing for 8 years. I am also licensed in Vermont as a telehealth provider. I received my Master's degree from Capella University, and am passionate about helping adults with a wide range of issues to become the best version of themselves. My goal is to provide a safe and supportive environment for clients to explore their thoughts and feelings, and to work healing and growth.

Willette Lewis

(she/her)

Willette Lewis, LMHC - Florida Therapist at Grow Therapy
$80/session
LMHC
7 years of experience
Virtual
I'm so glad you're here! I’m Ms. Lewis, a compassionate and dedicated therapist with a deep commitment to supporting individuals on their journey toward healing and growth. With a warm and nonjudgmental approach, I create a safe space where clients can explore their thoughts and emotions openly. I became a therapist because I genuinely love helping individuals become the best version of themselves, feel heard, and find significance in their lives. Being a therapist allows me to witness and support the incredible resilience of the human spirit. It is a privilege to guide clients toward clarity, healing, and a renewed sense of purpose.

Tracy Thompson

Tracy Thompson, LMHC - Florida Therapist at Grow Therapy
$100/session
LMHC
1 year of experience
Virtual
I am a licensed LMHC in the state of Florida working on my LPC in Missouri. I have been working for the past 8 yrs with adults who have co-occurring disorders in an inpatient substance abuse setting. I also have many years experience working with the chronically mentally ill adult population in a community setting. I am very familiar with psychosis, schizophrenia and individuals with personality disorders.

Erica Barrett

Erica Barrett, LMHC - Florida Therapist at Grow Therapy
$95/session
LMHC
9 years of experience
Virtual
I am a Licensed Clinical Mental Health Counselor (LMHC) in the state of Florida. I am a proud veteran of the US Army. I completed my Masters Degree at Wake Forest University and have been providing services for the past 9 years. I love working with clients to help identify what's happening "behind the scenes" in their lives so they can live the healthy and fulfilling lives they deserve.

Michelle Edmond

Michelle Edmond, LCSW - Florida Therapist at Grow Therapy
$150/session
LCSW
6 years of experience
Virtual
Hi! I’m a Licensed Clinical Social Worker (LCSW). I work with diverse populations providing compassionate and evidence based care to individuals, families, and groups navigating mental health issues, grief, life transitions, and trauma. In working together we will build confidence, develop healthy coping skills, build resilience, and learn how to navigate challenges. My goal is to empower you and improve your overall wellbeing.

Julie Tirella

Julie Tirella, LCSW - Florida Therapist at Grow Therapy
$100/session
LCSW
18 years of experience
Virtual
Life can be stressful and challenging from time to time. Often we may feel we are not where we want to be in our careers, relationships, or family life. My career has spanned over 15 years with regard to working with clients suffering from both mental illness and substance abuse issues. I work with children, adults, and couples in a very nurturing and non-judgmental environment.

Vania Astudillo

(she/her)

Vania Astudillo, LCSW - Florida Therapist at Grow Therapy
$125/session
LCSW
4 years of experience
Virtual
Hi! My name is Vania Astudillo, and I am a Licensed Clinical Social Worker in Florida with over four years of experience supporting individuals through a wide range of life challenges. Whether you're navigating stress, anxiety, life transitions, or just looking for personal growth, I'm here to support you every step of the way. I truly believe that therapy is a powerful tool for healing and self-discovery, and I feel honored to walk alongside my clients on their journey. You don’t have to go through things alone—together, we’ll work toward creating meaningful, lasting change in your life.

Tamara Bass

(she/her)

Tamara Bass, LMHC - Florida Therapist at Grow Therapy
$100/session
LMHC
12 years of experience
Virtual
Welcome! I am a licensed Mental Health Counselor in Florida and have been working in the mental health field throughout the majority of my adult life. If you're here, then you've taken the first step of considering counseling. You deserve to have the bravery of that first step recognized - because it is indeed BRAVE. Starting counseling can feel scary and overcoming that can be a challenge. So congratulations! Now let's get started.

Daisy Alberto

Daisy Alberto, LMHC - Florida Therapist at Grow Therapy
$75/session
LMHC
24 years of experience
Virtual
" From the comfort of your own home, lets walk through this therapy journey together, bring your coffee or your tea and lets talk and process your stressors." Tired of the Healthcare Hustle? Find Your Quest Complete Here. Are you searching for a healthcare experience that truly puts you first? One that understands your unique needs and respects your busy life? Look no further. I offer individualized care, genuine flexibility, and a warm welcome to everyone seeking to optimize their well-being. In a world of rushed appointments and impersonal care, it's easy to feel lost in the system. But what if you could break free from the rigid constraints of traditional healthcare and find a practitioner who truly sees you as an individual? No wait time just book appointment yourself ! Addressing the Burden of Depression and Anxiety;Seeking Support for Substance Abuse, Individual Therapy: It's a confidential space where you can explore your thoughts, feelings, and behaviors, gain insights into your patterns, and develop strategies for personal growth and healing. Se habla espanol LMHC Bilingual Therapist and Qualified Supervisor for the State of Florida My goal is to help clients find their way in this journey of life and help them achieve their goals in their personal life. Life can sometimes get tough and It is my hope that my clients gain valuable tools to identify and challenge negative thought patterns in their life and learn practical strategies to manage difficult emotions, develop healthier coping mechanisms, and ultimately, my hope is that they are able to improve their ability to respond to challenging situations in a more positive and effective way.

Cara Carleton

(she/her)

Cara Carleton, LCSW - Florida Therapist at Grow Therapy
$100/session
LCSW
10 years of experience
Virtual
Are you wondering if your drug or alcohol use is becoming a problem? Or maybe you know it is, but feel powerless to stop. Perhaps your struggle looks different—binge eating, compulsive spending, sabotaging your success at work or in relationships. These self-destructive patterns can take many forms, but they often have one thing in common: they feel automatic, inescapable, and deeply frustrating. These behaviors may seem like choices, but they often serve a hidden purpose—keeping you safe in the familiar, avoiding painful emotions, or preserving a status quo that no longer serves you. Over time, they can trap you in cycles of shame, regret, and hopelessness.

Jodi Druss

Jodi Druss, LCSW - Florida Therapist at Grow Therapy
$150/session
LCSW
25 years of experience
Virtual
Hello, I am a Licensed Clinical Social Worker working as a therapist for over two decades after graduating from Fordham University with a Masters degree in Social Work. I have a wide variety of experience working with disorders such as anxiety, depression and everyday life challenges. I have successfully assisted many people in making changes by creating a setting that is non judgmental and collaborative.

Neph Lesperance

(she/her)

Neph Lesperance, LCSW - Florida Therapist at Grow Therapy

Frequently rebooked

$90/session
LCSW
5 years of experience
Virtual
Hi, I’m Neph! I'm a Licensed Clinical Social Worker (LCSW) based in Florida. I received my master’s in Social Work from Loyola University Chicago and have been practicing for about 5 years. I have several years of experience as a social worker and primary therapist treating adolescents and adults with substance use and mental health issues. I use a strengths-based approach combined with cognitive behavioral therapy (CBT), motivational interviewing (MI), and person-centered therapy to empower clients and help them address their unique needs.

Cody Star Mulliner

(she/her)

Cody Star Mulliner, LCSW - Florida Therapist at Grow Therapy
$190/session
LCSW
1 year of experience
Virtual
I have been working in the mental health field since 2018, in settings from inpatient psychiatric units, inpatient and outpatient settings for substance use, and holistic private practice. I hold additional certifications in trauma therapy modalities and am a Registered Yoga Teacher. I am passionate about working with individuals to heal and live a life that feels meaningful to them.

Irene Cortes

(she/her)

Irene Cortes, LMHC - Florida Therapist at Grow Therapy
$160/session
LMHC
22 years of experience
Virtual
Hi! I am a Licensed Mental Health Counselor in Florida. I completed my post graduate education from Nova Southeastern University and have been practicing for over 21 years. I am passionate about personal growth and facing those challenges together creates a path for self discovery and change. My goal is to help you reconnect with yourself , your strengths, passions, and skills. Then we will use them as anchors that help you define your purpose and value. Together we work through this process to heal and to create change.

Shelley Edwards

(She/Her)

Shelley Edwards, LMHC - Florida Therapist at Grow Therapy
$130/session
LMHC
7 years of experience
Virtual
I am dedicated to empowering my clients as we work together to overcome the everyday challenges of life. By exploring the underlying behavioral and emotional patterns that often arise from unmet needs or unresolved wounds, we can uncover meaningful insights and lasting change. I believe that all people have intrinsic value and purpose. I also know that being a human can be challenging. Thankfully, we’re all in this together. There are helpers for the journey. My goal is to guide you toward your goals. I consider it a privilege and an honor to walk with you as you create a life you don’t want to escape.

Tim Rowell

(he/him)

Tim Rowell, LCSW - Florida Therapist at Grow Therapy
$75/session
LCSW
14 years of experience
Virtual
Hi! I'm a Licensed Clinical Social Worker. I received my Masters from the University West Florida and have been practicing for 14 years. I have served individuals in an outpatient and residential setting. I prefer to provide services in an outpatient setting as it allows me the opportunity to observe the growth of my patients over time. I help adults struggling with depression, anxiety, and other challenges to live the life they deserve.

"Masha" Miriam Andreoni

"Masha" Miriam Andreoni, LCSW - Florida Therapist at Grow Therapy
$120/session
LCSW
11 years of experience
Virtual
I do not believe in a "one size fits all" kind of approach. While uncomfortable feelings might be a commonality (especially in today's world,) I believe we are all individuals who learn, experience, and react to situations differently. One thing I know for sure, if everything was going "great" chances are you would not be reading this bio right now. BRAVO to you for taking this monumental step and investing in yourself!!! Hi, I'm Masha Andreoni, a Licensed Clinical Social Worker in Florida with 10+ years of professional experience and 48 years of lived experience. A majority of my work experience has been spent working with Veterans and Active Duty Reservists focusing on post deployment issues, substance use/abuse, and military sexual trauma. Today, I work with individuals/groups/families within a multitude of populations. Most importantly, I do not believe that individuals fit snuggly into a particular mental health "box." For example, if diagnosed with PTSD... there is a good chance that anxiety, depression, insomnia, relationship difficulties, work-related issues (etc.) may be present. If struggling with addictions...anxiety, depression insomnia, relationship difficulties, work-related issues (etc.) may be present (you get it). My focus/goal is to understand where you are coming from, what you hope to achieve, avoid making any particular judgements/labels, and work together as we embrace this journey of solution focused change and betterment. While I can take the time to tell you how my approach is warm, motivating, understanding, open....in the end, this is for you to decide. I can however assure you that regardless of diplomas achieved, I never stop pursuing education in this ever-changing field/world. I am here to be of service. With me comes my personality, knowledge, humor (when appropriate,) and respect! Truly looking forward to working with you.

Amanda Benlien

Amanda Benlien, LCSW - Florida Therapist at Grow Therapy
$95/session
LCSW
8 years of experience
Virtual
I specialize in helping individuals navigate the challenges of substance use, emotional dysregulation, and life transitions. My work is rooted in evidence-based practices, including Motivational Interviewing (MI) and Dialectical Behavior Therapy (DBT)—approaches that support real change by combining empathy, skill-building, and a strong therapeutic alliance. With 8 years of clinical experience and lived experience with addiction and family trauma, I bring both professional knowledge and real-world understanding into the therapy room. Above all, I offer a space where you don’t have to explain or justify your struggle—you can just be real. And from that place, we work together to create the life you want to live.

Lindsey McAllister

(she/her)

Lindsey McAllister, LCSW - Florida Therapist at Grow Therapy
$120/session
LCSW
6 years of experience
Virtual
I help individuals navigate life’s challenges, heal from past experiences, and create meaningful change and empowerment. I specialize in working with addictions, anxiety, trauma, relationship issues, and life transitions, using a blend of evidence-based and humanistic approaches. My goal is to create a supportive, collaborative space where you can explore your experiences, build resilience, and move toward the life you want to live.

Monique Knowles

Monique Knowles, LMHC - Florida Therapist at Grow Therapy
$130/session
LMHC
15 years of experience
Virtual
I am a licensed mental health counselor who seeks to help clients gain insight into their mental health and/or substance abuse issues. Part of my focus is on empowering clients through self-awareness and self-compassion. I understand the power of dynamics and also work with couples and families to find cohesion. Faith-based counseling is available as well. Read

Wilfredo Guzman

(he/him)

Wilfredo Guzman, LMHC - Florida Therapist at Grow Therapy
$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.

Miriam Rodriguez

Miriam Rodriguez, LMHC - Florida Therapist at Grow Therapy

Frequently rebooked

$85/session
LMHC
15 years of experience
Virtual
Hello! My name is Miriam Rodriguez. I am a bilingual Mental Health Counselor, Certified Addictions Professional, Certified Clinical Trauma Professional and Trauma-Focus Cognitive Behavioral Therapist in the state of Florida, with more than 12 years experience in the Behavioral Health field. I take pride in ensuring a safe, confidential, and nurturing environment that will allow you the space for intra-personal exploration so that you may reach your fullest potential. Do you feel stuck in a negative, unhealthy loop? Are you having difficulty coping with daily life stressors? Whether you're dealing with overwhelm, relationship issues, addictions or cycles of anxiety and depression, I'm here to help. Reduction of symptoms is not enough.. you have to look for the root of the problem and HEAL & RECOVER from it. Are you ready..? Call me and start your healing process. I use a holistic approach to provide individualized care to my clients.

Adejare McMillan

(he/him)

Adejare McMillan, LMHC - Florida Therapist at Grow Therapy
$150/session
LMHC
10 years of experience
Virtual
Combining Transformative Justice Practices with Clinical Mental Health Counseling Techniques, Adejare (Ah-Day-Jah-Ray) McMillan, is professionally known as The Transformative Justice Therapist. This South Florida-based speaker, poet, and activist holds a Bachelor’s degree in Criminal Justice, Master’s degree in Mental Health Counseling, and is State Licensed as a Mental Health Counselor (LMHC). Additionally, he is currently writing his dissertation towards the completion of a Ph.D. in Couples and Family Therapy at Nova Southeastern University. For the last decade, he has worked with people of all races, lifestyles, and ages — as young as 13 and upwards of 70 years old. Having been a member of several organizations dedicated to human rights and social justice, Adejare finds time to remain engaged in community activism, advocacy, and organizing — at times, specifically as a Transformative Justice Circle Keeper and Trainer.

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 Substance Misuse?

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, Substance Misuse, 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.