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 62 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: 7/3/2025

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.

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.

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.

Nikki Layne

(she/her)

Nikki Layne, LPCC - Kentucky Therapist at Grow Therapy
$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.

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.

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.

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.

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.

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.

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.

Jessica Green

(she/her)

Jessica Green, LCSW - Kentucky Therapist at Grow Therapy
$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!

Madison Davis

(she/her)

Madison Davis, LCSW - Kentucky Therapist at Grow Therapy

Frequently rebooked

$130/session
LCSW
10 years of experience
Virtual
Madison is a seasoned therapist with over 10 years of experience dedicated to empowering women and mothers through their mental health journeys. Specializing in body image issues and serious mental illness, Madison creates a safe and supportive environment where her clients can explore their feelings and build resilience. Using Cognitive Behavioral Therapy (CBT) as a foundational approach, Madison focuses on helping clients challenge negative thought patterns and develop healthier coping strategies. She is also Health at Every Size® (HAES) trained, promoting a holistic understanding of health that celebrates body diversity and encourages self-acceptance. Madison’s compassionate and client-centered approach has made her a trusted ally for many women navigating the complexities of motherhood, self-image, and mental health. She believes in the power of connection and is committed to helping her clients find their strength and voice in their healing journeys.

Shannon Woods

Shannon Woods, LCSW - Kentucky Therapist at Grow Therapy
$90/session
LCSW
20 years of experience
Virtual
Hello! I am a licensed clinical social worker (LCSW) based in Kentucky. I earned my Doctorate in Social Work from the University of Kentucky in 2025 and have over 20 years of experience in the field. I am passionate about working with individuals from diverse backgrounds, especially those facing various challenges in their lives, including mental health issues, trauma, and socio-economic barriers.

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.

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.

Ebonie Williams

Ebonie Williams, LPCC - Kentucky Therapist at Grow Therapy
$80/session
LPCC
12 years of experience
Virtual
I have been a therapist for over 12 years. I understand that life presents it challenges and that my job is to help you navigate those challenges so that you can live the life you deserve. You are the expert in your life I greatly appreciate you willing to let me on this journey with you. I believe that this is your journey and i am just along to give assistance on the way.

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.

Angie Olson

(she/her)

Angie Olson, LCSW - Kentucky Therapist at Grow Therapy
$150/session
LCSW
7 years of experience
Virtual
Hello. My name is Angie Olson and am a licensed clinical social worker, LCSW. I’m located in Louisville, Kentucky, and grew up in Southern California. I graduated with a bachelor's in social work from the University of Southern Indiana in 2008 and graduated with a master's in social work from Spalding University in 2012. I have eight years of experience providing individual and group therapy. Therapy is not just a job for me, it’s a passion.

LaToya Brown-Diallo

(she/her)

LaToya Brown-Diallo, LCSW - Kentucky Therapist at Grow Therapy
$100/session
LCSW
8 years of experience
Virtual
Greetings, I’m a Licensed Clinical Social Worker (LCSW). I earned my first master’s degree in religious studies (MAR) from Yale University and then went on to earn my master’s in social work (MSW) from The Catholic University of America in Washington, DC. My philosophy as a clinician is that each client is the expert in their own lives. As your clinician I am here to journey through this chapter of life alongside of you.

Melia Graham

Melia Graham, LCSW - Kentucky Therapist at Grow Therapy
$120/session
LCSW
13 years of experience
Virtual
I am a licensed therapist with over 13 years of experience, certified in advanced psychoanalysis and trained in trauma informed care. I specialize in helping individuals navigate life transitions, anxiety, and emotional overwhelm by creating a safe and supportive space for reflection, healing, and growth. My approach is warm, collaborative, and rooted in deep respect for each other's unique story. My goal is to offer a safe space where you feel deeply seen, understood, and supported as you move toward clarity and healing. Whether you're carrying long standing emotional pain or simply trying to make sense of where you are in life, I'm here to help you reconnect with yourself at a pace that feels right for you.

Amy Hall

(she/they)

Amy Hall, LCSW - Kentucky Therapist at Grow Therapy
$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.

Leslie Birdwhistell

(she/her)

Leslie Birdwhistell, LCSW - Kentucky Therapist at Grow Therapy
$150/session
LCSW
14 years of experience
Virtual
Hi there, I'm Leslie. Do you often find yourself overwhelmed by the demands of a busy life? Maybe you feel like something is "off" that you cannot quite identify. You may feel disconnected and experience frequent low moods. You might be someone who has been diagnosed or self-identified as neurodivergent, or you may be raising a neurodivergent child and feeling lost in coping with your feelings about how to navigate that challenge. You might be stuck in (or exiting) a romantic relationship that does not serve you, but you are struggling to find your path forward. Whatever the source of your anxiety, I am here to help! I support individuals across a spectrum of ages and circumstances to understand how to find their footing in their daily lives. I use a unique person-centered behavioral approach that is affirming and includes action steps to access change. When you meet with me, you will hear "real talk" grounded in evidenced-based techniques. Together we will discover a path to a more manageable daily life that fits your specific circumstances. Congratulations on taking the step to seek support through therapy. l look forward to working together!

Scott Whittle

(he/him)

Scott Whittle, LMFT - Kentucky Therapist at Grow Therapy
$100/session
LMFT
30 years of experience
Virtual
Hello there! My name is Scott. If you are feeling, anxious, depressed, or distressed; if your relationships are struggling or out of balance; if your past is showing up in the present; if you are giving way too much; if your emotions are all over the place; if self-medicating has you numbed out; if your self care is suffering or nonexistent …I am here to help. I provide judgment-free, care to individuals, couples and families in need of a safe, relational space to heal, grow and move beyond the “same ol’, same olds” way of life. Together we will figure out an action plan for creating the life and relationships you want.

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.

Cindy Crase

Cindy Crase, LCSW - Kentucky Therapist at Grow Therapy
$125/session
LCSW
20 years of experience
Virtual
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.

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 Grief?

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, Grief, 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.