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 140 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

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.

Alison Tempero

(she/her)

Alison Tempero, LCSW - Kentucky Therapist at Grow Therapy
$125/session
LCSW
10 years of experience
Virtual
As I see it, my job is to walk with you on your journey to overcome any barriers to help you achieve your best self, however you define that. Welcome, I am Alison Tempero, LCSW (KY) and LCSW, LCAC (IN) of Bardo Counseling LLP. I graduated from the University of Louisville with my Bachelors in Psychology in 2009 and my Masters' of Social Work in 2014. I have been working in social services for over 18 years and look forward to putting those years of experience into practice for you.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Candice Jackson

(she/her)

Candice Jackson, LCSW - Kentucky Therapist at Grow Therapy
$100/session
LCSW
16 years of experience
Virtual
Hello! I am a Licensed Clinical Social Worker with experience providing care to a wide range of clients, but my focus has been working with people finding their way through grief and loss. While grief is a universally human experience, most of us don't talk or share much about it, much less how to live through it. No one is meant to grieve alone, and it is my privilege to join others on this path.

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.

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.

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

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.

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.

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.

Debi Bennett

Debi Bennett, LCSW - Kentucky Therapist at Grow Therapy
$150/session
LCSW
25 years of experience
Virtual
As a Licensed Clinical Social Worker in Kentucky and Indiana, I bring over 25 years of clinical experience, specializing in mood disorders, addiction and recovery, sexuality, family of origin dynamics, grief and loss, and relationship challenges. I received a Bachelor of Science degree from Centre College and completed a Master of Science in Social Work degree from the University of Louisville. I have worked in a variety of settings, including inpatient psychiatric care, outpatient mental health care, intensive case management, hospital and community-based social work, as well as specialized work in the addiction field. For the past three years, I have conducted telehealth therapy, recognizing the importance of accessible, timely care in supporting client well-being.

Jamie N. Bell

(she/her)

Jamie N. Bell, LPCC - Kentucky Therapist at Grow Therapy
$100/session
LPCC
6 years of experience
Virtual
Hi there, I'm Jamie. In life, do you often feel as if you are driving alone down a dark road and are sometimes overcome with the burdens of everyday life? Is it hard for you to be kind to yourself? Do you feel that depression or anxiety is taking away your joy? Let me help you get that joy back. Seeking therapy can be scary but you are making the right choice. You are in the driver's seat. I am merely a passenger, with the necessary tools to assist you in finding the light at the end of the tunnel. I utilize an interpersonal approach that is specific to your needs to assess the situation and provide guidance along the way. My goal is to meet you where you are in your journey and help you get where you want to be. You deserve a safe space to heal and grow. In our sessions together, I'll help you with compassion and evidence-based techniques, so you can overcome the 3 H’s – hangups, hardships, and habits- that are holding you back. I can't wait to meet and talk so we can work together to reach your goals!

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.

Angie Combs

Angie Combs, LCSW - Kentucky Therapist at Grow Therapy
$120/session
LCSW
15 years of experience
Virtual
I am a Licensed Clinical Social Worker (LCSW) working in Kentucky. I graduated in 2009 with my Masters in Social Work from the University of Kentucky. In 2005, I graduated from Eastern Kentucky Univeristy with a Bachlors in Psychology. I have been providing therapy for 15 years. I help individuals that are experiencing life stressors, depression, anxiety, low self-esteem, truama and biploar disorder.

Donnah Clark-Miller

Donnah Clark-Miller, LPCC - Kentucky Therapist at Grow Therapy
$100/session
LPCC
15 years of experience
Virtual
Hi there! I am glad you are here! I'm Donnah. A little information about me. I have diverse experience working in community mental health, and I particularly enjoy working with adolescents, young adults, and their families. I strive to be the type of helper and ally that I would have benefited from as a teen. Transitioning to adulthood can be challenging, and I am passionate about supporting this population. Whether it's dealing with school challenges, choosing a career, facing emerging mental health issues, or navigating parental or relational difficulties, I am eager to help.I have a wide range of experience in community mental health and find great satisfaction in supporting adolescents, young adults, and their families. My goal is to provide the kind of support and understanding I would have valued as a teenager. Recognizing the difficulties of transitioning to adulthood, I am dedicated to helping this age group navigate challenges such as school pressures, career decisions, emerging mental health concerns, emotional regulation problems, and family or relationship issues.

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 Anxiety?

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, Anxiety, is filtering therapists in Kentucky 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.