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 3 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: 7/6/2025

Andrea Franco-Cook

(she/her)

Andrea Franco-Cook, LCSW - Kentucky Therapist at Grow Therapy

Frequently rebooked

$90/session
LCSW
4 years of experience
Virtual
Hi, I'm a licensed Clinical Social Worker, based in Lexington, Kentucky. I work with clients who struggle with a variety of mental health issues, ranging from trauma and PTSD to depression and anxiety. I truly believe that there is no one size fits all approach to therapy and each client is unique. Therefore, I've worked diligently to continue my education regarding differing treatment approaches so I can meet the client's individual needs.
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Swan Roberts

(she/her)

Swan Roberts, LCSW - Kentucky Therapist at Grow Therapy
$120/session
LCSW
6 years of experience
Virtual
Welcome to Grow Therapy. My name is Swan Roberts, and I am a licensed therapist, clinical social worker. I have 5 years of therapy experience. I was also in the U.S. army as a medic. I am so glad you have decided to seek help, and I look forward to meeting you on this healing journey. I decided to become a licensed clinical social worker (LCSW) therapist because I have always enjoyed helping people realize their potential, and when I was getting out of the army, I had a therapist to help me through that transition, which inspired me to follow this career path. When people experience trauma and stress, there is a tendency to develop a zoomed-in view of the problem and even blame themselves for the root of the problem. I am here to help you develop a more helpful and realistic outlook and note available solutions to what is going on. I have education and experience treating clients who have gone through trauma, and clients who have symptoms of PTSD, depression, anxiety, and bipolar disorder.
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Mayra Alejandra Nieto

(she/her)

Mayra Alejandra Nieto, LPCC - Kentucky Therapist at Grow Therapy
$100/session
LPCC
11 years of experience
Virtual
My mission is to be a servant to others by empowering and helping you on your path to emotional wellness. I have helped children, teens and adults with anxiety, depression, mental health disorders, relationship conflict, and parenting concerns; assisted others to heal from acute abuse, childhood and adult traumas. I am also experienced with persons who have migrated to the US from other countries and the barriers that are encountered with those changes. Whether it be acute crises', life surprises, circumstantial stressors or complex traumas; let me teach you new skills or sharpen the ones you already use to either decrease, eliminate or change negative behaviors or unwanted symptoms. I have worked among many different populations and settings (non-profit organizations, state and government facilities, public education, and now private practice) and have learned to navigate through different challenges and with those experiences I have become a person who is compassionate to unique needs and desires. If there is an area of concern that I'm not able to assist you with I will be honest with you and seek assistance or refer you to a better qualified professional.
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These are all the providers we have at this time based on your selections. We're constantly adding new providers to our site. Try adjusting your filters to see available providers.

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.