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 22 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: 8/18/2026

New to Grow

$100/session

Specialties

Crisis Intervention
Anxiety
Depression
+7
I’m a Licensed Professional Clinical Counselor (LPCC) in Kentucky and a Licensed Clinical Professional Counselor (LCPC) in Maryland, and I work with children, adolescents, and adults who are going through emotionally heavy or overwhelming seasons of life. My goal is to offer a space that feels safe, steady, and genuinely human where you don’t have to have it all figured out, and you don’t have to carry things alone. I support clients working through trauma, anxiety, depression, stress, emotional regulation, and life transitions, using evidence-based and trauma-informed approaches like CBT, TF-CBT, DBT, and CAMS. At the heart of my work is collaboration we move at your pace, build practical coping tools together, and focus on helping you feel more grounded, empowered, and hopeful in your day-to-day life.
Available
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$90/session

Authentic
Warm
Empowering

Specialties

Crisis Intervention
Anxiety
Depression
+8
Hi, I'm Helena (Hell-in-uh)! I am a Licensed Clinical Social Worker with 10 years of experience! I like to emphasize that at the heart of my practice, I am a Social Worker and I approach my work from that perspective. I acknowledge that there are barriers we all experience to living our best lives and that certain people experience more and worse barriers because of who they are. My work is most rewarding when I get to help folks level the playing field by accessing the support, validation and compassion they need.
VirtualAvailable
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$100/session

Authentic
Warm
Humorous

Specialties

Crisis Intervention
Coping Skills
Mood Disorders
+8
Hi there! I’m Vanessa Sewell, a Licensed Professional Clinical Counselor and the owner of Boheme Holistic Clinical Services. I earned my bachelor’s degrees in Psychology and History from Western Kentucky University, and my master’s in Counseling and Human Development from Lindsey Wilson College. I’m currently working on my doctorate in Counselor Education and Supervision at Lindsey Wilson University (and yes, they did change the name!). I have spent time counseling individuals from ages 4-80 in community mental health, foster care, inpatient behavioral health, geriatric services, and school settings for the last 6+ years. I have worked in the mental health field for more than 15 years.
VirtualAvailable
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$90/session

Authentic
Direct
Solution oriented

Specialties

Crisis Intervention
Anxiety
Coping Skills
+10
Hi, I'm Paul, a Licensed Clinical Social Worker who works with adults experiencing anxiety, depression, addiction, trauma, and life transitions. I attended the University of Cincinnati for undergraduate and Northern Kentucky for my Master's degree. I have worked in the mental health field for over twenty years and direct therapy for about twelve years. I use several types of modalities depending on the issue, including Motivational Interviewing, CBT, and Solution-Focused Therapy. I am a strong believer in general health and wellness and look forward to working with you to become the best version of yourself. Please feel free to contact me if you have any questions or need an appointment outside my available hours.
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New to Grow

$100/session

Specialties

Crisis Intervention
Addiction
Anxiety
+6
Starting therapy can be daunting, but I’m honored you’re considering me. My goal is to create a welcoming space where you feel comfortable being yourself. I’m a Licensed Clinical Social Worker (LCSW) dedicated to helping adults navigate life’s challenges with compassion, curiosity, and evidence-based care. I specialize in chronic illnesses, anxiety, depression, and issues of codependency/addiction. I understand that managing a chronic health condition can affect all aspects of life, and you don’t have to face those challenges alone. My approach is warm, collaborative, and tailored to your needs. Therapy isn’t about “fixing” you—it’s about helping you understand yourself, build on your strengths, and develop practical tools to overcome challenges.
Available
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$90/session

Intelligent
Warm

Specialties

Crisis Intervention
Anxiety
Bipolar Disorder
+10
I am a Licensed Clinical Social Worker; I have been working in the field of social work for 20 years. Since beginning my career, I have had the privilege of having many different experiences which has helped give me the working knowledge to provide great service and meet my client's needs. In the last three years my focus has been on group therapy and individual therapy for adults. My current focus is individual therapy , it has been the greatest gift to be allowed to hear the stories and be given the opportunity to help guide my clients through this journey to wellness.
VirtualAvailable
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$85/session

Authentic
Solution oriented
Intelligent

Specialties

Crisis Intervention
Addiction
Serious Mental Illness
+4
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
VirtualAvailable
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$100/session

Specialties

Crisis Intervention
Addiction
Anxiety
+9
My name is Carissa. I am a retired Air Force Master Sergeant and now a LCSW clinical therapist. I am married to my best friend d of 35 years and have two children. I graduated from the University of Louisville in 2023 with two masters degrees in social work. I currently am working as an associate director for in home care with families battling addiction and mental health issues.
Available
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$125/session

Warm
Authentic
Solution oriented

Specialties

Crisis Intervention
Anxiety
Depression
+10
I have been working in this field since 2014. I am experienced in many approached and modalities including Cognitive Behavioral Therapy and Motivation Interviewing. I am offering Individual, Couples, and Family Therapy Sessions. Let’s meet and see how I can help you work through those things that are hindering you or overwhelming you. May that be trauma or life changes. How can I support you in your time of need? How can we get you Ready To Bloom?
VirtualAvailable
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$125/session

Authentic
Solution oriented
Warm

Specialties

Crisis Intervention
Depression
Suicidal Ideation
+9
Hi! I am a Licensed clinical social worker. I received my masters from the University of KY in 2009 and my doctorate from the University of Ky in 2022. I have been working in this field for almost twenty years and have worked in medical social work, addiction, intimate partner violence and mental health. My mental health experience began in crisis response, the inpatient psychiatric care, outpatient mental health and then directing a program for patients with severe mental illness. My specialty is complex trauma but I also help patients struggling with generalized anxiety, depression or life stressors.
VirtualAvailable
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$100/session

Solution oriented
Authentic
Empowering

Specialties

Crisis Intervention
Child or Adolescent
Depression
+10
Hello! My name is Kevin Blalock. I am a Licensed Clinical Social Worker in the state of Kentucky. I have worked as a Referral Clinician for an inpatient psychiatric hospital, as an Inpatient Clinical Therapist, and now an Outpatient Clinical Therapist. I have a diverse background of working with Cognitive Behavioral Therapy, Dialectical Behavioral Therapy, and Trust-Based Relational Intervention. I am a certified Juvenile Sex Offender Therapist in the state of Kentucky, and am currently under supervision to become a Registered Play Therapist. I look forward to speaking with you about your goals for therapy and how I can help!
VirtualAvailable
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New to Grow

$110/session

Specialties

Crisis Intervention
Anxiety
Health/Medical Issues
+10
Hello, I'm Sarah. I'm a licensed clinical social worker who works with adults virtually in Ohio, Indiana, and Kentucky. I strive to be easy to talk to, and I believe therapy should feel like a space where you can show up exactly as you are—without pressure, judgment, or needing to have everything figured out. My practice is collaborative, down-to-earth, and centered on what matters most to you. We’ll make room for whatever you’re carrying, whether it’s stress, relationship challenges, big life changes, old patterns that keep showing up, or simply the feeling that something needs to shift. I’ll listen closely, help you make sense of what’s going on, and support you in finding practical ways to move forward. I want our work to feel real and useful—not overly clinical or one-size-fits-all. Together, we’ll go at a pace that feels right for you, build on your strengths, and create space for more clarity, confidence, and self-trust.
Available
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$120/session

Authentic
Empowering
Intelligent

Specialties

Crisis Intervention
Anxiety
Depression
+10
The one question I get most often by clients and peers is: Why did you go into the counseling profession? My response is always the same. First, I have always had a desire to help people in a time of need or distress. I have felt this way as far back as high school. Secondly, I went through a debilitating anxiety disorder in my mid-twenties. I know first-hand the helplessness and desperation mental and emotional pain causes. I never condone a therapist sharing with a client, they know how the client feels unless they themselves have experienced a similar type of pain. Lastly, I believe in the power of counseling and the benefits it can offer. Counseling is very different from medicine. Counseling requires the client to be actively involved in the process of healing and growth rather than taking medication and waiting for it to work. Counseling empowers a client to by allowing them to see their progress towards the life they desire on a daily, weekly, and even monthly basis.
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New to Grow

$60/session

Specialties

Crisis Intervention
Child or Adolescent
Self Esteem
+10
Reaching out for therapy can be one of the hardest steps to take, and I want you to know you don't have to go through life's challenges alone. I am a Licensed Professional Clinical Counselor (LPCC) who enjoys working with children, adolescents, and adults facing anxiety, depression, trauma, grief, relationship concerns, life changes, and everyday stress. I believe every person has strengths, even when they may not see them themselves. My goal is to provide a safe, supportive, and judgment-free space where you can feel comfortable being yourself. Together, we'll work to better understand what's keeping you stuck, build healthy coping skills, and help you move toward the life you want to live.
Available
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$150/session

Warm
Authentic
Open-minded

Specialties

Crisis Intervention
Anxiety
Depression
+10
Hi there! I’m Tabitha Simpson, a Licensed Clinical Social Worker who believes therapy should feel like a safe and supportive conversation. I’ve worked in a variety of mental health settings and enjoy using an integrated care approach that looks at the whole person—mind, body, and environment. I’m especially passionate about maternal mental health, particularly in rural areas where support can be hard to find. My goal is to help women navigate the ups and downs of pregnancy, postpartum life, and all the transitions that come with motherhood. I’ve had the privilege of working with clients of all ages, from providing play therapy for children to supporting adults through life’s challenges. My approach is warm, down-to-earth, and collaborative—I want you to feel comfortable, understood, and empowered every step of the way.
VirtualAvailable
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$125/session

Warm
Humorous
Solution oriented

Specialties

Crisis Intervention
Depression
Personality Disorders
+4
I am a compassionate mental health therapist dedicated to creating a safe, supportive space where individuals can explore their experiences, build resilience, and move toward healing and personal growth. My approach is rooted in trauma- informed care, recognizing ways life experiences can shape how we see ourselves, relate to others, and navigate the world. I work with individuals facing a range of challenges, including trauma, personality disorders, emotional regulation difficulties, anxiety, depression, relationship concerns, and the everyday stressors that come with balancing work, family, identity, and personal expectations. I strive to create an environment where people feel heard, understood, and empowered to move forward with greater self- awareness, emotional balance, and confidence.
VirtualAvailable
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$150/session

Warm
Authentic
Empowering

Specialties

Crisis Intervention
Anxiety
Depression
+10
Hello. I am a Licensed Clinical Social Worker (LCSW) who has been practicing for over 20 years. I work with adults, couples, and families including children, and adolescents. My goal is to work with each person individually from a person-centered perspective. I want you to feel that you are in control of your progress by identifying your needs and focusing on your strengths . My specialties include depression, anxiety, relationship issues, behavioral challenges, post-partum depression, parenting, chronic illness, and grief. I am available to see clients in Kentucky in-person or telehealth, and Michigan or Minnesota via telehealth. The person centered approach means that the client is the center of everything from the initial assessment, to the development of the goals, to the treatment that is provided. It is important that you know you are accepted and with therapy you are able to address the concerns you have and learn to effectively work through them. I understand therapy can feel uncomfortable and the thought of sharing yourself with someone you don't know (yet) can be overwhelming. Give me a call and we can talk for an initial conversation to see if it will be a good fit.
VirtualAvailable
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$125/session

Warm
Authentic
Empowering

Specialties

Crisis Intervention
Grief
Life Transitions
+10
Hello, I am Dr. Marilyn L. Sails, the owner and licensed practitioner with Comfort Care Counseling with Dr. Sails. I am a Licensed Clinical Social Worker with over a decade of experience supporting older adults and families through life’s most tender transitions. I hold both a Doctorate in Social Work (DSW) and a Masters in Social Work (MSW) from the University of Kentucky. I have dedicated my career to helping patients navigate grief, trauma, chronic illness, and end-of-life concerns with dignity and compassion. My practice, Comfort Care Counseling, is rooted in Christian faith and designed especially for adults 50 and older. Whether we meet in my office, via telehealth or in the comfort of your home, you’ll find a safe, supportive space where emotional healing and spiritual restoration go hand in hand.
VirtualAvailable
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$100/session

Authentic
Empowering
Warm

Specialties

Crisis Intervention
Career Counseling
Coping Skills
+10
Hello, I'm a Licensed Clinical Social Worker. I received my Master Degree of Social Work from the University of Louisville over 25 years ago. I've worked with various different backgrounds, and populations. I look forward to meeting you and working together to find ways to assist with breaking down barriers. I enjoy assisting others in finding positive ways to cope with life challenges.
VirtualAvailable
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$75/session

Authentic
Intelligent
Warm

Specialties

Crisis Intervention
Anxiety
Depression
+7
Hello! I'm a native Kentuckian with two degrees from the University of Kentucky including a masters in Marriage and Family Therapy. I also have close ties to Oregon where I worked for over 10 years on a crisis mental health team. I provided care and compassion to individuals who were struggling to cope through crises brought about by trauma, depression, loss, psychosis and more. My interventions were typically brief as my goal was to help folks move through their crisis and make plans for follow up care. Now I get to provide ongoing services and do a deep dive into the problems that left alone can lead to a crisis. I enjoy supporting people as they learn and discover better ways to cope and uncover their own strong sense of resilience.
VirtualAvailable
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$100/session

Specialties

Crisis Intervention
Anxiety
Bipolar Disorder
+10
I’m a therapist who keeps things real and meets people where they’re at. I work with adults dealing with trauma, stress, and life transitions, and my goal is to create a space where you can just be yourself without feeling judged. I use a mix of approaches depending on what actually works for you—including EMDR, Client centered, CBT, DBT, or TF-CBT for trauma and an integrative mental health approach that looks at the whole picture, not just symptoms. That can mean talking through things, building practical coping skills, or exploring how your mind and body are connected. I’m supportive, but also honest and direct when it matters. Therapy with me is a collaborative process—we figure things out together. My goal is to help you make sense of what you’ve been through, feel more grounded, and start moving forward in a way that actually feels meaningful to you.
VirtualAvailable
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$150/session

Specialties

Crisis Intervention
Addiction
Anxiety
+10
Hi , this is Shipra Singh, I am an independently licensed clinician and supervisor, in Kentucky. I have been practicing since 17 years, and have worked with individuals, couples, families and groups. I believe in being a comrade of my clients in their journey of healing and finding a balance in their life. Therapy in todays world is not just a means to support our mental health challenges such as anxiety, depression etc, but therapy also serves as the most needed form of self care and a safe space to process our daily life challenges. This helps in not bringing those challenges in our relationships and other life areas, and rather enjoy them and be present with them. I aim to work with my clients at a pace they identify as safe and healthy for them, and with time find stability with their emotional , mental and social life needs and areas.
VirtualAvailable
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Frequently asked questions

When looking for online therapy, you can see anyone that is credentialed in Kentucky. 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.

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.

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, Crisis Intervention, is filtering therapists in Kentucky that work with patients with similar concerns.

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.

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.