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 96 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: 8/19/2026

$135/session

Warm
Direct
Empowering
Specialties
Life Transitions
Anxiety
Trauma and PTSD
+3
Hey, I'm Melanie. I 've been practicing since 1998 and believe that a strong therapeutic relationship is one of the most important factors for successful therapy. My style is warm, genuine, and down to earth. I strive to create a space where clients feel comfortable being themselves, knowing that they'll be treated with respect and without judgement. While I provide lots of support and encouragement, I also am willing to ask difficult questions and offer honest feedback when it's helpful.
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$100/session

Authentic
Empowering
Warm
Specialties
Life Transitions
Anxiety
Depression
+5
Sometimes it feels like the actual apocalypse is just around the corner. We are bombarded with terrible headline after terrible headline. Inflation is making it harder to pay the bills, let alone have fun, or reach our dreams. With so much going on in the world, it’s no wonder that there are greater rates of anxiety and depression! In the midst of it all, you might be trying to figure out who you are, what you want from life, how to have that honest conversation with your friend, setting boundaries with a parent, whether to switch jobs, learning to be more comfortable in your skin, etc. It’s a lot to manage. I can help. I am a licensed psychologist and consider myself a generalist with a wide variety of clinical interests including issues related to family of origin, self esteem, identity development, issues related to oppression and marginalized identities, depression, anxiety, stress, and interpersonal relationships.
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New to Grow

$80/session

Specialties
Life Transitions
Anxiety
Depression
+10
I am an LPCC from Kentucky, I graduated with my Masters degree from WKU. I have been practicing therapy early on from internship to my LPCA, my LPCC, and soon I will be able to gain my supervisor credential and become an LPCC-S. I attempt to balance an empathetic approach with a scientific approach to therapy as I think it is important to view situations and client cases from both perspectives rather than only one. I like to remove rigid stereotypes of therapy and approach it with a more holistic and casual approach, again, with that added scientific foundation.
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$90/session

Authentic
Warm
Empowering
Specialties
Life Transitions
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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Often rebooked

$75/session

Authentic
Warm
Humorous
Specialties
Life Transitions
Anxiety
Coping Skills
+10
Hi, I’m a Licensed Clinical Social Worker dedicated to helping children, adolescents, and families navigate anxiety, trauma, behavioral challenges, and life’s stressors with compassion and practical support. I use a warm, collaborative, and strengths-based approach to help clients build coping skills, improve emotional wellness, and move toward healing and growth. I strive to create a safe, supportive space where clients feel understood, empowered, and equipped with tools for lasting change. For clients who desire it, I also welcome integrating Christian faith into the counseling process as part of holistic healing.
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New to Grow

$90/session

Specialties
Life Transitions
Anxiety
Coping Skills
+10
Hello and welcome! My name is Mistie Price and I am Licensed Professional Clinical Counselor with 24 years of experience. Taking the first step to start therapy requires courage and so I first want to commend you for taking that step. My practice is built on the belief that you deserve a safe, non judgmental space to explore what ever life challenges you are facing. I combine my years of clinical experience with the evidence based methods and practices for a collaborative and compassionate approach to help you reach your goals! I primarily work with adults of all ages; however I do have 14 years of experience in working with children and adolescents. Because this is a virtual practice I will accept clients ages 17 and up. We can work together to navigate any issues or challenges you may be facing. I have two decades of experience working with a variety of mental health disorders including but not limited to; Depression, Anxiety, Mood Disorders, ADHD, PTSD, Domestic Violence, and Substance Abuse.
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New to Grow

$100/session

Specialties
Life Transitions
Coping Skills
Self Esteem
+9
Si estás pasando por momentos difíciles que te causan angustia, puedo ayudarte. El objetivo de cada sesión es que adquieras una nueva perspectiva sobre tus desafíos personales, reconozcas los recursos disponibles en ti misme y en tu entorno, redefinas el significado de tu vida, y vivas a plenitud. Soy psicoterapeuta y evaluadora psicológica bilingüe, autorizada para ejercer la psicología y consejería en el estado de Kentucky. Presto servicios a la comunidad como especialista de la salud mental con más de 10 años de experiencia en diversos enfoques: ofrezco psicoterapia y evaluaciones psicológicas en inglés y español para adolescentes y adultos. Espero servirte -------------------------------------------------------------------------------------------- If you are going through difficult times that are causing you distress, I could be of help to you. The goal of each session is for you to gain a new perspective on your personal challenges, recognize the resources available within yourself and your environment, redefine the meaning of your life, and live it to the fullest. I am a bilingual psychotherapist and psychological assessor authorized to practice counseling and psychology in the state of Kentucky. I serve the community as a mental health specialist with more than 10 years of experience in various approaches: I offer psychotherapy and psychological assessments in English and Spanish for adolescents and adults. --------------------------------------------------------------------------------------------
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$120/session

Authentic
Empowering
Open-minded
Specialties
Life Transitions
Perinatal Mental Health
Postpartum
+10
Every woman deserves to feel powerful in her own life. We forget how strong, resilient, and deeply worthy we really are, whether you're in the thick of new motherhood, grieving a loss that changed everything, running on empty, or simply tired of feeling like you're not enough. Wherever you are, you are already enough. And I'm here to help you see it, feel it, and reclaim it. Hey there! I'm a Licensed Professional Clinical Counselor Supervisor (LPCC-S) with over 12 years of experience dedicated to supporting and empowering women through life's transitions-because life is always life-ing. My specialty is perinatal mental health. As a certified Perinatal Mental Health Specialist (PMH-C) through Postpartum Support International, I walk alongside women through pregnancy, postpartum, the fourth trimester, traumatic birth, and loss-the seasons that change you in ways no one fully prepares you for. I support women navigating: Perinatal and postpartum depression and anxiety Perinatal OCD and traumatic birth Mother and infant attachment Parenting in recovery Pregnancy and infant loss and grief The fog of depression, anxiety, or stress blocking your path back to yourself Burnout from expectations you never should have carried alone Compassion fatigue — for the helpers, healers, and caretakers who pour from an empty cup Grief of a person, relationship, lifestyle, or a version of yourself Life. The deep, bone-tired desire to stop surviving and start healing Fresh endings and new beginnings This is an inclusive, affirming space that celebrates all backgrounds, identities, and family structures. You belong here-exactly as you are.
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$100/session

Authentic
Warm
Empowering
Specialties
Life Transitions
ADHD
Depression
+3
I am a therapist who provides a warm and steady space for clients navigating anxiety, depression, OCD, substance use, parenting stress, and major life transitions. I help people make sense of what they’re going through, feel more grounded and in control of their emotions, and move toward a life that feels lighter, clearer, and more hopeful. My approach is relational and practical, drawing on DBT, CBT, and mindfulness based strategies to support meaningful and sustainable change. I began my career in medical social work before transitioning into full-time therapy specializing in neurodivergence, emotional regulation, and life transitions. I earned my LCSW while working at UK Healthcare, and spent ten years working with a wide range of patients. Since August 2025, I have been in private practice, where I’m able to offer intentional, client centered care with a healthier work life balance. I earned my Doctor of Social Work degree from the University of Kentucky in 2026.
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$90/session

Authentic
Humorous
Open-minded
Specialties
Life Transitions
Addiction
Women's Issues
+10
I earned my Master’s degree in 2022 and bring four years of clinical experience working with individuals, families, adolescents, and court-ordered clients. My background includes supporting clients navigating dual diagnoses and a wide range of mental health concerns, including substance use disorders, bipolar disorder, schizophrenia, borderline personality disorder, anxiety, and depression. I am deeply committed to ongoing growth, both personally and professionally, because I believe the best way to support others is to continually reflect, learn, and evolve. Whether you are seeking stability, clarity, healing, or deeper self-understanding, I will meet you with empathy, compassion, and a steady presence as we work toward meaningful change together.
VirtualAvailable
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$90/session

Authentic
Direct
Solution oriented
Specialties
Life Transitions
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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$127/session

Humorous
Authentic
Solution oriented
Specialties
Life Transitions
Addiction
Anxiety
+10
Hello my name is, Chris. I am a Licensed Clinical Social Worker with 15 years of experience in counseling interventions with children, adults, and families. I have a successful history in helping clients with stress and anxiety, coping with addictions, parenting issues, motivation, self esteem, & confidence. I pride myself in being a partner in you developing a new way to see and interact in reality.
VirtualAvailable
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$110/session

Warm
Direct
Empowering
Specialties
Life Transitions
Anxiety
Trauma and PTSD
+2
I’m a mental health professional dedicated to helping individuals navigate life's challenges and enhance their well-being. Through approaches like Cognitive Behavioral Therapy and strength-based strategies, I support clients in identifying their strengths, overcoming obstacles, and achieving their personal goals. My goal is to create a safe, collaborative space where you can explore your thoughts and feelings, fostering growth and resilience along the way.
VirtualAvailable
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$120/session

Warm
Authentic
Solution oriented
Specialties
Life Transitions
Anxiety
Mood Disorders
+6
Hi, I’m Marie — a therapist who believes that change is always possible, no matter where you are in life. My goal is to help you feel better emotionally, think more clearly, and move toward a future that feels fulfilling and peaceful. In our sessions, we’ll work together to understand what’s been holding you back and find practical ways to move forward. I use Cognitive Behavioral Therapy (CBT) to help you notice how your thoughts affect your emotions and actions—and teach you tools to shift negative thinking. I also use a solution-focused approach, which means we’ll focus on your strengths, celebrate what’s working, and create small, realistic steps that bring real progress. I often work with adults who are struggling with depression, anxiety, or major life changes—like adjusting after a loss, a new diagnosis, or changes that come with getting older. My approach is supportive and empowering. I want you to feel heard, encouraged, and equipped with the tools to handle life’s challenges with more confidence and hope.
VirtualAvailable
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$145/session

Warm
Authentic
Empowering
Specialties
Life Transitions
Anxiety
Women's Issues
+10
I consider myself the Dolly Parton of mental wellness: all humans are welcome, being clear is kind, and, like Dolly, sometimes we all need a little help navigating life from 9-to-5. I provide therapy in Ohio and Kentucky, and I also offer holistic wellness coaching and integrative psychedelic support to help you explore growth from multiple angles. In our sessions, I tailor the process to fit you—addressing experiences, patterns, or distortions that might leave your cup of ambition dry. With a transparent, solution-focused approach, we’ll work together to create meaningful, lasting change that goes beyond our 50 minutes.
VirtualAvailable
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$125/session

Warm
Authentic
Solution oriented
Specialties
Life Transitions
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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$90/session

Warm
Authentic
Open-minded
Specialties
Life Transitions
Anxiety
Depression
+8
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 14 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.
VirtualAvailable
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$100/session

Warm
Solution oriented
Authentic
Specialties
Life Transitions
Addiction
Anxiety
+4
My name is Lynnsey Vandeventer, and I am a Licensed Professional Clinical Counselor Supervisor in the state of Kentucky, a Nationally Certified Counselor, and a Certified Addiction-Informed Mental Health Professional. Since 2019, I have worked primarily in the field of substance use, where I’ve had the privilege of supporting individuals and families through some of their most challenging and transformative moments. I am deeply passionate about helping others grow into their fullest potential, and I strive to create a therapeutic environment that is welcoming, compassionate, and grounded in evidence-based practice. I bring a calm, approachable presence to my work, while also offering clear clinical insight and guidance rooted in my years of experience. In addition to my clinical practice, I am currently pursuing my doctoral degree in Counselor Education and Supervision, which continues to expand my knowledge and strengthen my commitment to the counseling profession. My goal is to walk alongside clients with authenticity and respect as they move toward healing, growth, and meaningful change.
VirtualAvailable
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$100/session

Warm
Authentic
Empowering
Specialties
Life Transitions
Anxiety
LGBTQ
+5
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.
VirtualAvailable
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$150/session

Warm
Authentic
Humorous
Specialties
Life Transitions
Anxiety
Depression
+10
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.
VirtualAvailable
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$77/session

Authentic
Warm
Intelligent
Specialties
Life Transitions
Anger Management
Anxiety
+10
I offer faith‑based Christian counseling that integrates biblical truth, prayer, and evidence‑informed therapeutic tools to support your emotional and spiritual well‑being. My heart is to create a safe, compassionate space where you can explore your story, process life’s challenges, and invite God into every step of your healing journey. Together, we’ll work toward clarity, renewal, and lasting change—strengthening both your inner resilience and your relationship with God. You don’t have to walk this path alone.
VirtualAvailable
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Often rebooked

$150/session

Warm
Intelligent
Solution oriented
Specialties
Life Transitions
Anxiety
Depression
+9
Hello! I am a Licensed Clinical Social Worker (LCSW) based in Kentucky. I earned my Master's Degree in 2003 and have been practicing as a LCSW since 2006. I am experienced in helping adults manage life's challenges to reach their full potential. I utilize Solution-Focused Therapy and a strengths-based approach to support you in accomplishing your goals and improving your life. I also use Cognitive-Behavioral Therapy (CBT) to help you see the connection of thoughts, feelings and behaviors. I am also EMDR trained.
VirtualAvailable
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$100/session

Specialties
Life Transitions
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.
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Often rebooked

$100/session

Solution oriented
Direct
Authentic
Specialties
Life Transitions
Anxiety
Anger Management
+8
The journey of life can bumpy, confusing, frustrating, and unpredictable. Hello, I'm Dr. Suzann O'Koon, a licensed psychologist with 30 years of experience. I'm a mother and grandmother, who, at mid-life, returned to graduate school to pursue my the next step on my life journey. I had been an elementary school teacher, a community volunteer, and then a stay-at-home mom. I am sharing this with you because transitions and change can be difficult at times, and I've been there: done that!.
VirtualAvailable
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$155/session

Authentic
Empowering
Warm
Specialties
Life Transitions
Anxiety
Parenting
+4
I’m Joyce D. Scherdin, a Licensed Marriage and Family Therapist with over a decade of experience working with adults navigating anxiety, stress, life transitions, and emotional patterns that feel hard to shift. I help clients who feel overwhelmed or stuck find greater steadiness and clarity. My approach is supportive, structured, and practical — we focus on understanding what’s driving the stress while building tools you can use in everyday life. If you’re ready for honest guidance, emotional safety, and meaningful progress, we may be a good fit.
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, Life Transitions, 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.