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 9 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: 7/18/2025
Nikki Layne
(she/her)
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.
Leo Bowman
(he/they)
$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.
Find therapists experienced in these areas
Amy Hall
(she/they)
$100/session
LCSW
5 years of experience
Virtual
I have been a child, adult, and family therapist who has worked with hundreds of clients to address the barriers that negatively impact their lives. I take a collaborative approach that meets my clients where they are to work together to identify what they would like to get out of therapy and the best path to meet those goals. I provide my clients with a variety of tools and skills that they can use between sessions to help them manage their lives and address challenges they face.
Jan Rudd
(she/her)
$130/session
Has intro video
LMFT
13 years of experience
Virtual
Hi! I'm Jan, a Licensed Marriage & Family Therapist with over 14 years of experience as a therapist. I can help with concerns you have about anxiety, depression, relationships, life transitions, career, and childhood trauma. I have some idea of what you're going through because I've also struggled with these issues at some point in my life. I'm here to be the person you can talk to who empathizes with what you're going through, validates your feelings and experiences, and can help you find solutions, all in a nurturing, safe space. Don't think you have time for therapy? I offer telehealth and office hours in the afternoon and evening.
Tracey Zion
(she/her)
$125/session
LCSW
20 years of experience
Virtual
Congratulations on taking the first step to wellness!
Hi, my name is Tracey and I am a clinically licensed therapist with over 20 years of experience supporting, educating, and assisting people like you who want to make some positive changes in their lives.
I provide a safe and nonjudgemental space for you to identify what's not working in your life and causing you to feel unwell. Using a whole self approach and addressing the issues that are most relevant to you, I use tools and strategies that will lead to positive changes and wellness.
Whether you are experiencing a life challenge, having issues with relationships, or struggling with feeling well emotionally, I look forward to the opportunity to help you discover new ways to improve, heal, and grow. Thank you for considering sharing your journey with me. I look forward to meeting you.
Jessica Green
(she/her)
$120/session
LCSW
8 years of experience
Virtual
Are you feeling overwhelmed and need support? Are you struggling with anxiety or having trouble in your relationships? Maybe you're finding it difficult to achieve your goals?
It can be exhausting to navigate the obstacles life throws at us. I understand how difficult and scary it can be to take the first step and begin the healing process. In our sessions, I'll meet you where you are with compassion and evidence-based practices so we can identify what's not working and find a way to help you meet your goals for a healthier, happier life.
I offer telehealth counseling services for individual adults of all ages and all walks of life who reside in the state of Kentucky. My therapeutic approach is primarily strengths-based, applied within evidence based interventions such as cognitive behavioral, psychodynamic, motivational interviewing, and mindfulness therapies. My goal as a therapist is to create a comfortable and welcoming environment for you to explore and express your thoughts and feelings. Let's work together!
Victoria Serrano
(she/her)
$145/session
LPCC
30 years of experience
Virtual
My name is Victoria Serrano. I’ve worked in the mental health and substance abuse fields for over 25 years. I believe connection and community are essential in building and maintaining healthy lives. No one is meant to go it alone. Not everyone has the support they need. I work to support, understand, and empower clients toward their goals. I offer individual and relationship therapy for adults 18 and older. I have years of successful experience treating depression, anxiety, trauma and PTSD, substance abuse issues, life stress, LGBTQIA concerns, womens issues, and religious trauma recovery.
Kandace Barkham
(she/her)
$95/session
LCSW
12 years of experience
Virtual
So, here we are. Life’s a bit of a mess, isn’t it? Maybe it feels like you’re starring in a horror movie, except no one handed you the script. I’m Kandace Barkham, and I help people like you—those who are over the empty platitudes and ready for real change. I have an LCSW/LCADC. I hold a BSW and an MSSW from the Kent School. If you’re looking for a therapist who’s going to sit back, nod silently, and sprinkle some feel-good phrases your way… well, that’s not me. I’m here to help you actually get unstuck, and yes, we might even laugh at the absurdity of it all along the way.
Let’s cut through the nonsense: trauma, addiction, mental health issues—they suck. But you know what sucks more? Pretending like everything’s fine and letting them control your life. Together, we’ll work through the heavy stuff. We’ll get into the mess, sort it out, and figure out how you can finally breathe a little easier. Therapy with me isn’t some endless loop of “and how does that make you feel?” It’s a collaborative process where I bring my expertise to the table, and you bring your courage to face what’s been holding you back.
Kimberly Hayes
(she/her)
$110/session
LCSW
10 years of experience
Virtual
Kimberly completed her Master’s Degree in Social Work at the University of Louisville. She has over 15 years of clinical experience across a variety of settings including outpatient specialty clinics, crisis intervention, structured outpatient programs, inpatient psychiatric facilities, large non-profits, and private practice. Kimberly has also taught social work and related courses at the Eastern Kentucky University and Kentucky State University.
Kimberly has a broad range of clinical experience working with individuals and groups during her professional career in the following areas:
Depression
Bipolar Disorder
Anxiety Disorders
Substance Use Disorders
Anger and Stress Management
Trauma and Abuse
Suicide Assessment and Risk Reduction
Group Psychotherapy
Couple’s Conflict
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.
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.