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 14 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: 6/30/2025

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.

Carissa Sietsema

(she/her)

Carissa Sietsema, LCSW - Kentucky Therapist at Grow Therapy
$200/session
LCSW
7 years of experience
Virtual
Like the name of my practice, I believe individuals are also capable of blooming throughout even the most difficult of circumstances. As a therapist that treats anxiety, ocd, depression, and trauma it is my goal to help individuals have a better understanding of themselves, process past pain, and feel confident in moving through life. I aim to be that safe guide that will assist you with reaching the life you want. Ultimately, you are the boss and have a say in what changes you want to make and your goals. With the help of my expertise, I will assist you with finding meaning in your life, facing painful situations, and living a life you value. Throughout this process I encourage transparency and open communication, as this is your life not mine. YOU’RE IN THE RIGHT SPOT. I understand, I have been there too, watching myself go through life while feeling like a shell of a person. After experiencing several traumatic events, the loss of both my parents in my early 20’s, and experiencing homelessness I was left reeling with a variety of painful emotions. With the support of some wonderful individuals, I was able to grab control of my life and continue to live boldly. Therapy with me isn't about becoming someone "different.” There is no such thing as perfection, only progress. I believe you deserve to be heard, validated, and supported. Your story is yours and just as important as anyone else’s story.

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.

Kayla Alvey

(she/her)

Kayla Alvey, LCSW - Kentucky Therapist at Grow Therapy
$90/session
LCSW
6 years of experience
Virtual
Feeling stuck, stressed, or overwhelmed? You’re not alone, and I’m here to help. As a Licensed Clinical Social Worker (LCSW) and Licensed Marriage and Family Therapist (LMFT) with over six years of experience, I specialize in working with young adults and teens to tackle life’s challenges head-on. Together, we’ll create a space where you can feel heard, supported, and understood—free from judgment. I use proven approaches like EMDR, Cognitive Behavioral Therapy (CBT), and CT-R, along with other tools that fit your unique needs. Whether you’re dealing with anxiety, past experiences that feel hard to shake, trouble with relationships, or figuring out who you are and want to be, I’m here to guide you at your own pace. My focus is always on helping you feel empowered to take control of your story. You don’t have to face this alone. Therapy can be a place to work through tough emotions, build confidence, and discover new ways to handle whatever life throws your way. Together, we’ll work on building the tools you need not just to get by—but to thrive. Your voice matters, and I’m here to make sure it’s heard

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.

Mayra Alejandra Nieto

(she/her)

Mayra Alejandra Nieto, LPCC - Kentucky Therapist at Grow Therapy
$100/session
LPCC
11 years of experience
Virtual
My mission is to be a servant to others by empowering and helping you on your path to emotional wellness. I have helped children, teens and adults with anxiety, depression, mental health disorders, relationship conflict, and parenting concerns; assisted others to heal from acute abuse, childhood and adult traumas. I am also experienced with persons who have migrated to the US from other countries and the barriers that are encountered with those changes. Whether it be acute crises', life surprises, circumstantial stressors or complex traumas; let me teach you new skills or sharpen the ones you already use to either decrease, eliminate or change negative behaviors or unwanted symptoms. I have worked among many different populations and settings (non-profit organizations, state and government facilities, public education, and now private practice) and have learned to navigate through different challenges and with those experiences I have become a person who is compassionate to unique needs and desires. If there is an area of concern that I'm not able to assist you with I will be honest with you and seek assistance or refer you to a better qualified professional.

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.

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.

Shantaye Powell

(she/her)

Shantaye Powell, LCSW - Kentucky Therapist at Grow Therapy
$175/session
LCSW
7 years of experience
Virtual
Dear future client, I am a Licensed Clinical Social Worker (LCSW) based out of Kentucky. I received my master's from the University of Louisville and have been practicing for 7 years. I work alongside adults to assist in managing/coping with strong emotions to support mental wellness. Adults who need support while learning ways to cope. A space to process unhealthy attachments and traumatic experiencing.

Zoe Prowell

(she/her)

Zoe Prowell, LCSW - Kentucky Therapist at Grow Therapy
$100/session
LCSW
10 years of experience
Virtual
I am a therapist specializing in adult mental health and addiction disorders. I have 10 years of experience providing individual, group, and couples therapy. I have worked in both inpatient and outpatient environments. At Grow I offer individual, family, and couples counseling and Board of Nursing evaluations. Individual counseling is billed through insurance or self-pay at $100 per hour. Couples counseling is self-pay at $150 per hour. Board of Nursing evaluations are billed out-of-pocket due to the extensive paperwork/correspondence involved. However, follow-up visits can be billed through insurance if I am in-network with your insurance company. There is a no-show fee of $100. There is a late cancellation (less than 24 hours) fee of $100. My mission is to be used by God to help others reach their highest potential and purpose in life; to represent and teach tolerance, respect, and harmony; and to promote social and economic justice. I believe that all people regardless of race, culture, age, gender, religion, physical or mental disability, and sexual orientation are entitled to basic rights and fair, humane treatment. I believe that all members of society should have the same basic rights, protections, opportunities, obligations, and social benefits. My practice is governed by the belief that you are a valuable human being. You have the right to express your ideas and opinions openly. You have the right to direct and govern your life. You have the right to stand up for yourself without anxiety and make choices that are good for you. You have the right to change your mind. You have the right to not be liked by everyone. You have the right to be wrong. You have the right to make requests and refuse them without feeling guilty. You have the right not to be responsible for others’ behaviors, actions, feelings, or problems.

Jenna Williams

Jenna Williams, LPCC - Kentucky Therapist at Grow Therapy
$150/session
LPCC
9 years of experience
Virtual
As a Licensed Professional Clinical Counselor Supervisor with a Master's degree from Lindsey Wilson College, I bring expertise and empathy to our therapeutic journey. As a neuropsychotherapist, I treat the brain with a focus on its powerful yet sensitive nature, integrating knowledge from neuroscience into psychotherapy. In our work together, we will incorporate neuroscience findings related to neurons, neurotransmitters, memory, neuroplasticity, and brain structures to develop effective brain-based techniques. I prioritize building genuine rapport and trust with my clients, creating a safe space where we can collaboratively process life's events and work towards healing and growth together. Our therapeutic relationship will be at the core of this process, focusing on a strong therapist-client connection. Additionally, we will utilize techniques to integrate the left and right brain hemispheres, aiming to achieve emotional balance, instill hope, and foster self-efficacy. By blending these approaches, we will work towards enhancing your overall mental health and well-being.

Victoria L. Ewing

(she/her)

Victoria L. Ewing, LCSW - Kentucky Therapist at Grow Therapy
$150/session
LCSW
18 years of experience
Virtual
Hi! I am Victoria Ewing, Licensed Clinical Social Worker, that graduated from the University of Kentucky with a Master's in Social Work and an Undergraduate Degree in Social Work. I am licensed in the State of Kentucky since July 2007 and in the State of Nevada since October 2023. I have worked in outpatient primary care clinics, addiction clinics, medical and psychiatric hospitals, in-home therapy, private practice, and community mental health.

Lana Bunner

(She)

Lana Bunner, LCSW - Kentucky Therapist at Grow Therapy
$100/session
LCSW
12 years of experience
Virtual
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.

Elizabeth Nowlin

Elizabeth Nowlin, LCSW - Kentucky Therapist at Grow Therapy
$100/session
LCSW
13 years of experience
Virtual
Hello! I'm a Licensed Clinical Social Worker (LCSW) based in the state of Kentucky. I earned a Master's in Social Work and I have been practicing for 13 years. I help adolescences and adults find ways to heal from their trauma, help them become more self aware, and to stop negative thinking, so they can become the best versions of themselves.

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 Obsessive-Compulsive (OCD)?

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, Obsessive-Compulsive (OCD), 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.