Therapists that accept Cash Pay in Kentucky

Choosing a cash pay option for mental health care can provide flexibility and access to quality support without the constraints of insurance networks. With 153 verified therapists in Kentucky 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: 7/5/2025

Madison Steffey

Madison Steffey, LCSW - Kentucky Therapist at Grow Therapy
$100/session
LCSW
5 years of experience
Virtual
Hi! I am a licensed clinical social worker. I graduated in May 2020 with my Masters in Social Work from the University of Kentucky and have been practicing for 5 years. I am certified in Parent Child Interaction Therapy through PCIT International. I help caregivers and their children improve their bond and decrease behavior issues through Parent ChIld Interaction Therapy.

John Warner

(he/him)

John Warner, LCSW - Kentucky Therapist at Grow Therapy
$60/session
LCSW
25 years of experience
Virtual
Welcome to GrowTherapy I'm John Warner and I'm looking forward to working with you. I'd like you to acknowledge this step that you have taken to reach out. It takes motivation, insight, and courage to seek changes in your life. I am a Licensed Clinical Social Worker based in Louisville, Kentucky and I specialize in working with people who are either struggling with Substance Abuse or Mental Health issues, or who are trying to support a Loved One who is struggling with these issues, and feels overwhelmed by the circumstances. I provide a safe and supportive environment for you to explore the issues that are concerning you now. I believe that you are the expert on the things that do and don't work in your life but when life becomes overwhelming, we can sometimes lose sight of these skills and knowledge. I have found that many people often underestimate how much they know about themselves and others, and underestimate the strength that they posess to cope with and overcome the struggles that they experience. much more about themselves than they give themselves credit for, and I see part of my role as helping you unlock this knowledge and apply it in your life in ways that work best for you. While there may be times that you feel like you are not making progress, you will find that you are making more progress than you realize. We sometimes have more difficulty seeing the progress and positive qualities than we do in others. I will help guide you to see the strength and goodness that you possess and help you to see that the overall arc of our lives bends towards improvement

Vanessa Sewell

Vanessa Sewell, LPCC - Kentucky Therapist at Grow Therapy

Frequently rebooked

$85/session
LPCC
5 years of experience
Virtual
Hello! My name is Vanessa Sewell and I am a Licensed Professional Clinical Counselor. I received my Bachelor's Degrees in Psychology and History from Western Kentucky University and my Master's Degree in Counseling and Human Development from Lindsey Wilson College. I will begin the Lindsey Wilson College Ph.D. program in Counselor Education and Supervision in the fall of 2025. I have spent time counseling individuals from ages 4-80 in community mental health, foster care, and inpatient behavioral health settings for the last 5+ years. I have worked in the mental health field for more than 15 years.

Jessi Jones

Jessi Jones, LPCC - Kentucky Therapist at Grow Therapy

Frequently rebooked

$75/session
LPCC
6 years of experience
Virtual
Hi! My name is Jessi Jones. I'm a Licensed Professional Counsellor (LPCC) based in Kentucky. I received my master's from Lindsey Wilson College and have been practicing for 6 years. I serve people struggling with addiction and different mental health symptoms such as depression and anxiety. I have worked with several different populations including children, adolescents, adults and people with intellectual delays.

Jessica Gibo

(she/her)

Jessica Gibo, LMFT - Kentucky Therapist at Grow Therapy
$125/session
LMFT
5 years of experience
Virtual
I am a Licensed Marriage and Family Therapist, in Kentucky. I have over 13 years of experience in healthcare and mental health. I work with individuals, families, and couples across the life span. I typically see clients ages 14 and above. I have had success with short term (3-5 sessions) and long term (weekly or bi-weekly) therapy sessions. I provide couples counseling services as a Prepare and Enrich provider, and a Gottman-informed therapist. I also offer Premarital Counseling services. I offer assessments and will work with you to advocate for your individual needs with your medical providers, workplace or school.

Elizabeth Nowlin

Elizabeth Nowlin, LCSW - Kentucky Therapist at Grow Therapy

Frequently rebooked

$70/session
LCSW
13 years of experience
Virtual
Hello! I'm a Licensed Clinical Social Worker (LCSW) based in the state of Kentucky. I earned a Master's in Social Work and I have been practicing for 13 years. I help adolescences and adults find ways to heal from their trauma, help them become more self aware, and to stop negative thinking, so they can become the best versions of themselves.

Lindsey McAllister

(she/her)

Lindsey McAllister, LCSW - Kentucky 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.

Kamaria Batiste

(she/her)

Kamaria Batiste, LPCC - Kentucky Therapist at Grow Therapy
$90/session
LPCC
7 years of experience
Virtual
Life is tough and we are living in traumatic times. We’re surrounded by problems that often have few solutions, and we’re forced into societal routines that push us away from who we truly are and what we truly love. Despite the difficulties you may experience, I believe in your ability to heal, find strength in your discomfort, and exist in ways that are empowering and life-enhancing. And as a healer/wellness worker, I’m here to help you do just that! As a Black woman and decolonized therapist, my practice prioritizes and caters to the unique mental health needs of Black and Brown individuals - especially those with feminine and LGBTQ+ identities. Folks who are most drawn to work with me are those who are looking to integrate cultural and collective values into their therapeutic experience, while also working on their personal needs and struggles.

Leo Bowman

(he/they)

Leo Bowman, LCSW - Kentucky Therapist at Grow Therapy
$100/session
LCSW
5 years of experience
Virtual
Hi I'm Leo I'm a non binary transgender man. I have my master’s degree in social work from the University of Louisville and I'm a Licensed Clinical Social worker in Indiana and Kentucky. My professional background has been working with the University of Louisville as a therapist at the Trager Institute Optimal Aging Clinic. While working at University of Louisville Trager Institute, I gained experience in treatment areas such as conversion disorders/PNES, PTSD/Trauma, anxiety, depression, grief, transgender issues, gender dysphoria and LGBTQ+ issues.

Johnathan Carr

Johnathan Carr, LPCC - Kentucky Therapist at Grow Therapy
$150/session
LPCC
9 years of experience
Virtual
I have worked in Counseling and Human Services for 20yrs. I have been a Licensed Professional Counselor in Lexington Kentucky since 2015. My goal is to provide a non-judgmental environment for clients to openly share their experiences. Cognitive Behavioral Therapy is the foundation of my treatment approach as I assist clients with identifying negative thinking patterns that support anxiety and depression.

Lucas Stinnett

Lucas Stinnett, LPCC - Kentucky Therapist at Grow Therapy
$100/session
LPCC
6 years of experience
Virtual
Life isn’t always sunshine and rainbows; it can be filled with challenges, difficulties, and hardships. I believe that life is all about perspective and the way we react to problems. Our trials and tribulations are opportunities for us to grow into stronger and wiser individuals. When challenges arise, most people ask, "Why?" I encourage my clients to change their mentality by asking, "How?"—how can I use this to grow and learn, make myself smarter and wiser?" I am a firm believer in empowering clients with the tools and knowledge needed to live a more fulfilling and productive life. With 8 years of sobriety and personal experience battling my own challenges, I know how helpful therapy can be in helping a person rebuild their life and become the person they want to be.

Karen Reiss

(she/her)

Karen Reiss, LCSW - Kentucky Therapist at Grow Therapy
$150/session
LCSW
21 years of experience
Virtual
Hi, I am honored you are taking time out of your busy day to consider me as your therapist. I am a Licensed Clinical Social Worker in Pennsylvania and Kentucky. I received my Masters in Social Work from Marywood University and have been practicing for 20+ years. I assist individuals like you — thoughtful, resilient, and ready to face the hard things, even when they feel confusing or uncertain - through empathy, compassion, and challenge.

Brock D'Alessandri

Brock D'Alessandri, LCSW - Kentucky Therapist at Grow Therapy

Frequently rebooked

$95/session
LCSW
5 years of experience
Virtual
I’m a Licensed Clinical Social Worker (LCSW) based in Kentucky. I understand that seeking help takes courage, and I believe that real, lasting change—though often difficult—is always possible. My approach is warm, collaborative, and grounded in mutual respect. I consider it a privilege to hear your story, support your healing process, and help you move toward the life you want to live. You deserve to feel seen, supported, and empowered—through an approach that feels right to you.

Amaris Blevins

(she/her)

Amaris Blevins, LCSW - Kentucky Therapist at Grow Therapy
$115/session
LCSW
6 years of experience
Virtual
Hello! My name is Amaris and I'm happy you're here :) Do you ever feel confused by your behavior? Do you act in ways that are incongruent with who you want to be? Do you struggle with self-doubt and wish you could have more confidence? There are always reasons why people do the things they do. My approach is to help alleviate shame and unnecessary guilt by helping clients understand the “why” behind their emotions and behaviors. I use a trauma-informed approach with all my clients and aim to create an emotionally safe space to explore vulnerable thoughts and feelings. Sometimes personal growth means accepting that you're either going to deal with your stuff, or your stuff is going to deal with you. Therapy is a great place to start the healing process.

Carla Fletcher

Carla Fletcher, LCSW - Kentucky Therapist at Grow Therapy
$60/session
LCSW
10 years of experience
Virtual
I am a Licensed Clinical Social Worker practicing child and family therapy in Kentucky for 15 years. I work with kids and families to process difficult experiences and improve the way they cope with new stressors. I also assist parents who are looking for support in being the best parent they can be. It's my joy to partner with you and help you explore and clarify your goals, process difficult situations, identify and practice new skills, and leave therapy feeling confident.

Joan Lawhorn

Joan Lawhorn, LCSW - Kentucky Therapist at Grow Therapy
$100/session
LCSW
25 years of experience
Virtual
Hello there. My name is Joan I have been a social worker for over 25 years. Like you, I have had my own set of challenges and believe the key to overcoming life's obstacles is learning to plan and cope. We can't control all the pain that will come our way, but we can control how we react to it. Of course, this is sometimes easier said than done and we need help. I would be honored to assist you in your journey towards a happier healthier you.

Ericka Morrison

(she/her)

Ericka Morrison, LPCC - Kentucky Therapist at Grow Therapy
$90/session
LPCC
3 years of experience
Virtual
My name is Ericka Morrison. I am a Licensed Professional Clinical Counselor (L.P.C.C.) and a Licensed Clinical Alcohol and Drug Counselor (L.C.A.D.C.). I hold a Master's degree in Mental Health Counseling from Western Kentucky University (WKU). Over the past twenty years, I have worked in various roles within the mental health field. In my counseling practice, I have supported both adults and teenagers facing a wide range of mental health challenges. I provide a safe and supportive environment where my clients feel respected and heard.

Megan Spivak

(she/her)

Megan Spivak, LCSW - Kentucky Therapist at Grow Therapy
$100/session
LCSW
19 years of experience
Virtual
Hi, I'm Megan, a Licensed Clinical Social Worker in Louisville, Kentucky with over 10 years of experience in the field of mental health. I offer weekend and evening telehealth services to teens and adults as they manage issues related to stress, relationships, anxiety, and depression. My unique schedule allows those I serve to find the support and guidance they need outside of traditional business hours, enabling them to pursue self-care without jeopardizing other work or school commitments. I specialize in treating anxiety disorders and am trained in Acceptance and Commitment Therapy (ACT), an evidence-based form of psychotherapy that uses acceptance, mindfulness, and behavior modification strategies to alleviate symptoms of anxiety and increase psychological flexibility. While I have experience providing treatment for diverse populations and needs, my focus remains on helping individuals navigate through their anxiety and stress. My therapeutic approach is collaborative and supportive. I believe in working together to help you discover the best, healthiest, and most authentic version of yourself. Through support, skill-building, and evidence-based therapeutic interventions, we can work together to help you achieve your goals and find balance. You deserve to find relief, know peace, and achieve happiness. I look forward to working with you and supporting you on your journey to well-being. If you're ready to take the next step, let's connect and start this journey together

Amber Coyle

(she/her)

Amber Coyle, LPCC - Kentucky Therapist at Grow Therapy
$65/session
LPCC
3 years of experience
Virtual
Hello! I am a Licensed Professional Clinical Counselor (LPCC) in the state of Kentucky. I have been working as a therapist since 2021. Prior to that I worked as a case manager in the mental health field. I help adults and adolescents transition through difficult seasons in their lives. I actively work with addiction and recovery clients by providing Groups such as IOP and OP along with individual sessions when needed.

Melinda Mays

(she/her)

Melinda Mays, LPCC - Kentucky Therapist at Grow Therapy
$90/session
LPCC
20 years of experience
Virtual
I am a retired school counselor who began private counseling as my second career. I also have served as an educator for master's level counseling students. This has given me a lot of access to a variety of best practices. I like hearing client stories and helping them to find a better life for themselves. I like using my skills and experience to help people.

Amanda Hawkins

Amanda Hawkins, LPCC - Kentucky Therapist at Grow Therapy
$150/session
LPCC
15 years of experience
Virtual
Are your relationships with others not what you would like them to be? Do you feel like you are not living up to your "full potential" and serving your life purpose? The stressors of life can weigh us down at times. I want to help you take the first step toward making lasting change in your life. Together we will identify strengths as well as life challenges that will help you gain a better understanding of yourself and your relationships.

Nikki Layne

(she/her)

Nikki Layne, LPCC - Kentucky Therapist at Grow Therapy

Frequently rebooked

$125/session
LPCC
10 years of experience
Virtual
Hey y’all, are you ready to break free from stress, anxiety, hopelessness, or self-doubt and create a life aligned with your true potential? I’m Nikki Layne, a Licensed Professional Clinical Counselor (LPCC) with over 9 years of experience guiding individuals through life’s toughest challenges. I was born and raised in a rural town in Eastern Kentucky. I know how isolating it can feel to be unsure of who to turn to or how to move forward. That’s why I’m committed to providing a safe, non-judgmental space where you can truly be yourself, explore your feelings, and discover your strengths. My personal experiences inspired me to open my private practice, Counseling in the Holler, LLC; having navigated challenges myself, I wanted to create a space where others could find support, healing, and understanding in a compassionate, inclusive environment. So whether you’re facing anxiety, depression, self-identity struggles, addiction, or LGBTQI+ issues, I’m here to help you break free from what’s holding you back and create the life you deserve.

Jacqueline Mitchell, M.A.

Jacqueline Mitchell, M.A., LPCC - Kentucky Therapist at Grow Therapy
$100/session
LPCC
14 years of experience
Virtual
My name is Jacqueline. I am a licensed clinical mental health therapist in Kentucky. I have been in this field for 14 years and have a genuine passion for the work I do. While I specialize in addiction, trauma and grief, I have worked with individuals on an individual as well as group level, focusing on a variety of areas of mental health issues. My approach is more of an eclectic approach. I do not insist on using any particular modality for each client, but rather, I like to development my approach and methods toward and around the individual needs of each specific client I serve. I find fulfillment in being able to help those in need, to overcome obstacles they are faced with. Everyone deserves to find their place of happiness and true contentment and to be able to reach the highest level of satisfaction in themselves and where their lives are at and going. It can be difficult to see and experience when you are weighed down with all the stressors life presents. I look forward to meeting you and being able to go on your journey with you.

Jodie Robison

(she/her)

Jodie Robison, LPCC - Kentucky Therapist at Grow Therapy
$120/session
LPCC
20 years of experience
Virtual
As a therapist, I am rewarded by helping people realize their full potential. As part of that process, I take the time to develop a solid connection with my clients to ensure optimal understanding of their concerns and goals, and collaboratively develop a treatment plan that works for them. I am trained in several evidence-based therapies and utilize them to help my clients achieve their goals.

Dr. Dave Smith Ed,D

Dr. Dave Smith Ed,D, LMFT - Kentucky Therapist at Grow Therapy
$50/session
LMFT
13 years of experience
Virtual
Hi there, I am Dr. Smith. Do you need a therapist who encourages, motivates and instills hope that empowers you to take control of your struggles so you can live out the best version of yourself? Life, Love and relationships often come with unique challenges that can make us feel like we are being pulled in many directions. These challenges are combined with work and financial stress that can often leave us exhausted and dissatisfied with life. I help individuals, couples and families identify stressors so that together we can begin the healing process and improve your quality of life and relationships. Whether you are struggling with anxiety, depression, substance abuse or relationship issues I am here to help. I use an approach centered around compassion, empathy, and the belief that all of us have worth and dignity. The evidence-based techniques used will give you hope while working toward the change that led you to therapy.

Frequently asked questions

Why filter by Kentucky rather than a city like Louisville?

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 Kentucky from Bowling Green to Lexington! If you’d rather see someone in-person, you can change the filter from virtual and find a therapist near you in Kentucky.

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 a specific issue?

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.

What are the "Clients say I'm" badges?

Grow Therapy asks patients about their experience with therapists after they have had a certain number of sessions. After enough responses, we add those characteristics to their profiles to help you find the best online therapists for you. We're still working on collecting this information from all our therapists.

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.