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 68 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: 8/17/2026

New to Grow

$80/session

Specialties

Mood Disorders
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.
Available

$125/session

Authentic
Direct
Empowering

Specialties

Mood Disorders
Addiction
Family Conflict
+10
Hi, I'm Julie D'Anniballe, founder of D'Anniballe Counseling and Wellness. I'm a licensed mental health counselor with over 18 years of experience. Additionally, I am a supervisor for the Kentucky Board of Licensed Professional Clinical Counselors. At D'Anniballe Counseling and Wellness, I prioritize creating a nurturing environment for healing and personal growth. I provide mental health counseling to adults and teens who are seeking support, clarity, and meaningful change in their lives.
VirtualAvailable

$80/session

Authentic
Direct
Empowering

Specialties

Mood Disorders
Addiction
Coping Skills
+9
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.
VirtualAvailable

$100/session

Authentic
Direct
Empowering

Specialties

Mood Disorders
Anxiety
Self Esteem
+10
Hello! I am a Licensed Marriage & Family Therapist as well as a Licensed Clinical Social Worker. I have over 10 years experience in the field and I am passionate about client empowerment, taking a strengths-based approach to person-centered therapy She enjoys working with individuals, couples and families; supporting and collaborating with clients through the challenges of life. Some of the treatment areas of service include adolescent counseling, racial trauma, religious trauma/conflict, substance use recovery counseling, and lifestyle and professional planning and guidance. “My goal is the help each client to reach the highest and best version of themselves through empowerment, healing, and evidence-based practices.” My Favorite Things: •Travel- My favorite hobby is collecting stamps in my passport! I love exploring other countries and cultures. Travel is the one of greatest educators. •Family Time- I come from a large family so I love getting together for Sunday dinners and family gatherings. •Hair & Beauty- I’ve been licensed as a cosmetologist for 20 years and I utilize those skills as another avenue for helping clients become the best version of themselves!
VirtualAvailable

$100/session

Authentic
Warm
Humorous

Specialties

Mood Disorders
Coping Skills
Trauma and PTSD
+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

$110/session

Authentic
Warm
Intelligent

Specialties

Mood Disorders
Coping Skills
Men's Issues
+5
With more than 30 years of executive experience in leading hospitals and health systems, including Kaiser Permanente, Mount Sinai, and Northwestern Memorial, I am launching my private therapy practice. My professional focus has consistently been on helping individuals overcome fear, build confidence, and achieve meaningful goals. Raised in Chicago’s Rogers Park and influenced by my father’s resilience as a Holocaust survivor, I bring a strong foundation of empathy and perspective to my work. I hold an MSW from Loyola University and am licensed in AZ, FL, IL, KY, NM, and WV. I also earned an MBA from North Park University and an executive management certification from USC. Having lived and worked across the United States and internationally, I bring a broad, culturally informed perspective to my practice. My therapeutic philosophy emphasizes positivity, confidence, and persistence.
VirtualAvailable

$150/session

Intelligent
Warm

Specialties

Mood Disorders
Addiction
Anxiety
+10
I am a Licensed Professional Clinical Counselor (LPCC) practicing in Kentucky, dedicated to providing comprehensive support for mental health and relationship challenges. I earned my doctorate from Madison University, where I gained a deep understanding of psychological theories and therapeutic practices. Additionally, I completed postgraduate studies at Southern Illinois University, further enhancing my expertise in counseling. With over 40 years of experience in the field, I specialize in helping individuals and couples navigate a wide range of issues, including anxiety, depression, trauma, addiction, and interpersonal relationship problems. My therapeutic approach is highly collaborative; I work closely with my clients to create a safe and supportive environment where they can openly explore their thoughts and feelings. Together, we identify specific concerns and work on defining personal goals that align with their values and aspirations. I use evidence-based therapeutic techniques tailored to each client's unique needs, ensuring we develop effective strategies for lasting change and improved overall well-being. My commitment is to empower my clients on their journey toward personal growth and healing, fostering resilience and healthier relationships in their lives.
VirtualAvailable

New to Grow

$100/session

Specialties

Mood Disorders
Coping Skills
Life Transitions
+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. --------------------------------------------------------------------------------------------
Available

$90/session

Authentic
Direct
Solution oriented

Specialties

Mood Disorders
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.
Available

New to Grow

$90/session

Specialties

Mood Disorders
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.
Available

$90/session

Intelligent
Warm

Specialties

Mood Disorders
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

$150/session

Holistic
Authentic
Warm

Specialties

Mood Disorders
Anxiety
Depression
+3
I am a holistic and integrative therapist offering somatic psychotherapy online. I support clients who are navigating chronic stress, anxiety, depression, trauma, PTSD, CPTSD, neurodiversity and high sensitivity. I integrate eastern and western modalities to offer a truly holistic approach to healing and highly effective therapy: Somatic Psychotherapy, Mindfulness-based Cognitive Behavioral Therapy, Reiki & Energy Therapy, Spinal Energetics and Therapeutic Yoga. Our past experiences live in the body and entire system, not only in the mind. I believe it is important to work with the whole self when it comes to healing. My primary approach is somatic-- inviting the body into the conversation and processing emotion, energy and experience through the body-mind.
VirtualAvailable

$90/session

Warm
Authentic
Empowering

Specialties

Mood Disorders
Addiction
Perinatal Mental Health
+10
I’m a Licensed Professional Counselor specializing in mental health and addiction, dedicated to supporting individuals throughout their personal journeys. My passion lies in empowering clients and promoting holistic healing, which involves addressing the whole person rather than just the symptoms. I find deep fulfillment in guiding you through the process of overcoming obstacles and achieving your goals, helping you build resilience and discover your inner strength. By working together, we can create a path toward lasting positive change and a more fulfilling life. Saturday appointments available by request!
VirtualAvailable

$125/session

Warm
Authentic
Solution oriented

Specialties

Mood Disorders
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

$100/session

Authentic
Direct
Empowering

Specialties

Mood Disorders
Bipolar Disorder
Dissociative Disorders
+15
Walking with people through life's difficulties and struggles is a privileged, honor, and part of my purpose in life. I commit my life to helping people find their way back to the right paths that they want to be on to live out their purpose. Hi! My name is Lana and I have been a LCSW since 2011. I have experience working with children, adolescents, adults, and families. I specialize in issues of adjustment, trauma, depression, anxiety, crisis, grief, child and adolescent behaviors, and sexual abuse. I also have experience with talking with individuals with mood and personality disorders, PTSD, and issues surrounding divorce. On a more personal level, I enjoy traveling and refer to myself as a coffee connoisseur. I also have two small dogs that think they run the world and like to introduce themselves from time to time in my sessions. I always have a plan but I believe some of life's greatest adventures are in taking the scenic route.
VirtualAvailable

$120/session

Warm
Authentic
Solution oriented

Specialties

Mood Disorders
Anxiety
Women's Issues
+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

Often rebooked

$100/session

Solution oriented
Direct
Authentic

Specialties

Mood Disorders
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

$120/session

Authentic
Direct
Empowering

Specialties

Mood Disorders
Addiction
Perinatal Mental Health
+9
Hello! I am a dedicated and licensed mental health professional in Kentucky, serving as a Licensed Professional Clinical Counselor-Supervisor (LPCC-S), Licensed Clinical Alcohol and Drug Counselor (LCADC), and Substance Abuse Professional (SAP). I earned my Master of Education in Clinical Mental Health Counseling from Lindsey Wilson College in December 2021 and my Ph.D. in Counselor Education and Supervision from Lindsey Wilson College in August 2026. Over the past several years, I have worked in community mental health, substance use treatment, crisis intervention, residential and outpatient care, and clinical supervision. I specialize in helping individuals navigate substance use disorders, alcoholism, anxiety, depression, ADHD, trauma, bipolar disorder, and other mood-related concerns. I also have experience supporting individuals with co-occurring mental health and substance use disorders through evidence-based, trauma-informed care. My therapeutic approach is grounded in compassion, authenticity, and collaboration. I integrate evidence-based practices, including Cognitive Behavioral Therapy (CBT), Dialectical Behavior Therapy (DBT), Solution-Focused Therapy, Motivational Interviewing, and attachment-based interventions to meet each client's unique needs. My goal is to provide a supportive, nonjudgmental environment where clients feel safe to explore challenges, build resilience, develop practical coping skills, and create meaningful, lasting change. In addition to my clinical practice, I serve as an adjunct instructor teaching graduate counseling and undergraduate psychology courses and provide clinical supervision to counselors working toward licensure. Whether you are seeking support for recovery, mental health concerns, life transitions, or personal growth, I am committed to helping you identify your strengths and achieve your goals with confidence and hope. I look forward to partnering with you on your journey toward healing and wellness.
VirtualAvailable

$75/session

Specialties

Mood Disorders
Anxiety
Depression
+5
What would your life be like if the things that are causing you problems weren't so much of a problem? How much better would your daily life be if the raging wildfire of debilitating emotions and thoughts inside you was reduced to a birthday candle? Whether our work together is addressing years of trauma that impacts your present day or brief, solution focused interventions for a problem that requires decisive action; we will count on years of experience and training to help us navigate the issues you face. Together, we will identify your strengths, cultivate them, and work to set you up for a life of continued success using your definition of what success looks like TO YOU. After all, it's your life and you are the expert in how to best live it. My career has been dedicated to helping others, especially those who have struggled with trauma disorder, such as PTSD. For the last three years I have specialized in working with children and teens in the Kentucky Foster Care system. Before that, I spent years working with adults, teens, and children in the outpatient clinical setting, veterans in transitional housing shelters with trauma and substance use disorders, children and adolescents in a psychiatric residential treatment setting, and as a case manager linking families to needed resources. Now, I have decided to use my skills in private practice to focus on helping my fellow Kentuckians, especially those in Appalachia, have access to high quality care that they don't have to leave home to access.
Available

$125/session

Authentic
Solution oriented
Warm

Specialties

Mood Disorders
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

Often rebooked

$150/session

Warm
Intelligent
Solution oriented

Specialties

Mood Disorders
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

$125/session

Warm
Authentic
Solution oriented

Specialties

Mood Disorders
Anxiety
Depression
+10
Hi, I'm Rachel Richard! With over 25 years of experience as a licensed counselor, I specialize in helping people manage anxiety and depression, overcome trauma, and navigate life's everyday challenges. I hold a Master's Degree in Community/Mental Health Counseling from the University of Cincinnati and I am licensed in Ohio, Kentucky, and Indiana. My commitment lies in providing evidence-based practices that help clients manage their emotions and reduce unhelpful thought patterns while empowering them to confidently cope with life's challenges and achieve their goals. My approach is strengths-based and solution-focused, with specialties in Dialectical Behavior Therapy (DBT), Cognitive Behavioral Therapy (CBT), Acceptance and Commitment Therapy, and Solution-Focused Brief Therapy. For those open to a more holistic approach, I also incorporate Somatic Therapy to connect both mind and body.
VirtualAvailable

$90/session

Solution oriented
Authentic
Warm

Specialties

Mood Disorders
Anxiety
Depression
+10
As a licensed therapist in Kentucky with over three decades of clinical experience, I specialize in supporting individuals navigating the complex emotional landscape of life. My practice focuses on addressing challenges such as depression, anxiety, trauma, grief, and interpersonal relationship dynamics. I have extensive expertise in working with teens, adults, older adults, veterans, first responders, and individuals experiencing life transitions.
VirtualAvailable

$120/session

Humorous
Authentic
Open-minded

Specialties

Mood Disorders
Coping Skills
Depression
+10
My name is Michael Holmes, Jr., and I am a Licensed Professional Clinical Counselor (LPCC) in Kentucky and Licensed Professional Counselor (LPC) in Georgia providing telehealth therapy for adolescents and adults. I have over 7 years of experience in the mental health field and specialize in anxiety, depression, grief, trauma, emotional regulation, interpersonal effectiveness, mindfulness, anger management, and self-esteem. I utilize evidence-based approaches including CBT, DBT, ACT, Reality Therapy, Solution-Focused Therapy, and Motivational Interviewing. I have also completed certifications in Youth Mental Health, Integrative Sex Therapy, and Complex Trauma.
VirtualAvailable

$120/session

Authentic
Empowering
Intelligent

Specialties

Mood Disorders
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.
Available
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, Mood Disorders, 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.