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 34 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: 7/4/2025

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.

Kamaria Batiste

(she/her)

Kamaria Batiste, LPCC - Kentucky Therapist at Grow Therapy
$90/session
LPCC
7 years of experience
Virtual
Life is tough and we are living in traumatic times. We’re surrounded by problems that often have few solutions, and we’re forced into societal routines that push us away from who we truly are and what we truly love. Despite the difficulties you may experience, I believe in your ability to heal, find strength in your discomfort, and exist in ways that are empowering and life-enhancing. And as a healer/wellness worker, I’m here to help you do just that! As a Black woman and decolonized therapist, my practice prioritizes and caters to the unique mental health needs of Black and Brown individuals - especially those with feminine and LGBTQ+ identities. Folks who are most drawn to work with me are those who are looking to integrate cultural and collective values into their therapeutic experience, while also working on their personal needs and struggles.

Leo Bowman

(he/they)

Leo Bowman, LCSW - Kentucky Therapist at Grow Therapy
$100/session
LCSW
5 years of experience
Virtual
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.

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.

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.

Amanda Hawkins

Amanda Hawkins, LPCC - Kentucky Therapist at Grow Therapy
$150/session
LPCC
15 years of experience
Virtual
Are your relationships with others not what you would like them to be? Do you feel like you are not living up to your "full potential" and serving your life purpose? The stressors of life can weigh us down at times. I want to help you take the first step toward making lasting change in your life. Together we will identify strengths as well as life challenges that will help you gain a better understanding of yourself and your relationships.

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.

Sabrina Duncan

(she/her)

Sabrina Duncan, LPCC - Kentucky Therapist at Grow Therapy
$95/session
LPCC
13 years of experience
Virtual
"Out of suffering have emerged the strongest souls, the most massive characters are seared with scars." Khalil Gibran Through out my 11 years of counseling I have come to know and had the pleasure of working with some amazingly strong souls. I have learned just as much from them as they have from me. I was born and raised in Eastern Kentucky. I now reside in central Kentucky.

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.

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.

Abigail Ford

Abigail Ford, LMFT - Kentucky Therapist at Grow Therapy
$100/session
LMFT
7 years of experience
Virtual
Hello there brave one! I am passionate about helping you live your best life, and I believe that having a healthy support system (whether that be through marriage, family, or friendships) is key to our success. Founder of Emotion Focused Therapy, Dr. Sue Johnson, puts it well saying, "Being the best you can be is really only possible when you are deeply connected to another." I utilize relationship-driven therapies and focus on helping you get in touch with your emotions, core desires, personal and interpersonal needs. I specialize in seeing individual adults and couples for pre-marital or post-marital therapy. My hope is that you can learn in life not just how to survive, but to thrive! I most often use emotionally focused therapy (EFT), solution-focused therapy (SFT), and mindfulness techniques to help you find that fulfillment, connection, and sense of purpose we are all born desiring.

Dr. Beverley Gray

(she/her)

Dr. Beverley Gray, LPCC - Kentucky Therapist at Grow Therapy
$110/session
LPCC
20 years of experience
Virtual
I am a Licensed Mental Health Counselor in North Carolina and Virginia with over 25 years of experience working with Children and Adults. I am also a licensed Chaplain and Ordained Pastor providing spiritual counseling for over 25 years. I have worked with clients with a wide range of concerns including depression, anxiety, relationship issues, parenting problems, career challenges, OCD, and ADHD, PTSD and trauma. I also assisted many people who have experienced physical trauma or emotional abuse. My therapy style is warm and interactive. I believe in treating everyone with respect, sensitivity, and compassion, and I don't believe in stigmatizing labels. My approach combines cognitive-behavioral, person centered, trauma focused, solution focused therapy and spiritual counseling. I will tailor our dialog and treatment plan to meet your unique and specific needs. It takes courage to seek a more fulfilling and happier life and to take the first steps towards change. If you are ready to take that step, I am here to support and empower you. I will meet you where you are and assist you with getting to where you want to be. I look forward to working with you!

Faith H

Faith H, LCSW - Kentucky Therapist at Grow Therapy
$135/session
LCSW
9 years of experience
Virtual
Hi, my name is Faith. Congratulations on taking the first step. Are you struggling or feeling overwhelmed with school, work, family or relationships? Do you have difficulty with anxiety or depression? I am here to help you to manage life's difficulties and improve your mental health. I am passionate about encouraging, supporting, and empowering clients to take the necessary steps to improve their mental health and overall well-being. Together we can make necessary changes to improve your overall well-being.

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.

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.

Missy Graehler

(she/her)

Missy Graehler, LCSW - Kentucky Therapist at Grow Therapy
$100/session
LCSW
7 years of experience
Virtual
It's okay to not be okay, and I am so proud of you for putting in the research to find a therapist who is a good fit for you. A little bit about myself, I was raised in Lexington, KY and after living in Western Kentucky for 11 years, I have returned home to my roots. I graduated from Western Kentucky University with a Masters in Social Work and have worked as a psychotherapist in community mental health, private practice, and assisted care facilities. I would describe myself as quirky, direct, and compassionate. I am a mom of two boys who are my absolute world and the reason for transitioning to online therapy. I absolutely love my job and love working with people to improve their mental health and overall quality of life. You deserve to be heard, believed and encouraged. Giving therapy a shot can feel intimidating but also life-changing and if you're still reading this I hope that you will consider booking an appointment with yours truly :)

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.

Necole Richardson

(she/her)

Necole Richardson, LPCC - Kentucky Therapist at Grow Therapy
$85/session
LPCC
6 years of experience
Virtual
You've taken the first step! I'm Necole a licensed clinician counselor in the states of Tennessee, Kentucky, and Utah. I've always desired to understand feelings, behaviour and the human mind; always been driven toward solving the questions that start with why. My passion for therapy began after realizing I was helping many clients with the similar concerns related to identity confusion, limited self-awareness, and low self-confidence. Life is pretty complex and sometimes presents us with challenges that require support and therapeutic interventions to achieve balance and overall wellness. Congratulations to you for your courage, and on your decision to seek empowerment and enhance your current emotional well-being. If you are in need of more support for your journey don't hesitate to reach out. Even if we aren't the right fit let me send you in the right direction.

Tracy Rugg

Tracy Rugg, LCSW - Kentucky Therapist at Grow Therapy
$100/session
LCSW
4 years of experience
Virtual
Hello, I'm a Licensed Clinical Social Worker based in Illinois. I have worked in the field of Social Work for 24 years at the Bachelor's level, including case management for at-risk youth, CPS investigations and medical social work. I received my Master's of Science in Social Work from the University of Louisville and have been practicing for three years. I assist adults dealing with anxiety, depression and trauma with recognizing triggers/barriers to successful living and then learning to effectively reframe in order to be a better version of themselves.

Mayme Siders

Mayme Siders, LCSW - Kentucky Therapist at Grow Therapy
$105/session
LCSW
10 years of experience
Virtual
Hello! I am an LCSW based in Evansville Indiana that serves Tennessee, Indiana, and Kentucky clients through telehealth. I have been a counselor for 10 years. I attended UTK in Knoxville Tennessee. I am an Integrative, Humanistic therapist that emphasizes positive psychology in my practice. I use a client centered, strengths based, solution focused approach. My goal is always to support you in moving toward your personal goals in ways that feel comfortable & accessible to you. Whether the issue is anxiety, depression, grief, relationship difficulties, poor coping skills, or phase of life issues, my approach is based in genuine support & kind, honest feedback.

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.

Megan Meeks

(she/her)

Megan Meeks, LCSW - Kentucky Therapist at Grow Therapy
$120/session
LCSW
4 years of experience
Virtual
Hello! Are you having trouble finding balance in life? Do you find it difficult to make your actions and intentions align? Are you struggling to connect to people in meaningful ways? I help people find more calm, peace and headspace in life. I will always meet you right where you are. As our starting point, we will identify what is keeping you from being the best version of yourself. I am passionate about integrating mindfulness, yoga and education about our nervous system to develop a stronger relationship with yourself. Whether you’re dealing with overwhelm, relationship issues, a traumatic past, increased substance use, or cycles of anxiety and depression, I’m here to help. I offer a non-judgmental space, using evidence-based treatments where you may heal and grow.

Ken A

Ken A, LCSW - Kentucky Therapist at Grow Therapy
$120/session
LCSW
10 years of experience
Virtual
Welcome! Come on in, I’m glad you’re here. The challenges of life can be overwhelming; the past making the present feel like less of a gift. You may feel stuck, like it’s impossible to move forward. Life transitions have a way of stirring up emotions and throwing you off balance. This mounting weight can impact your relationships, work, social life, and everything around you. I want you to know that you don’t have to face all of this alone. Together we can create a plan to help you feel better and achieve the changes you are seeking. Here, you will have a safe place to learn and to grow to overcome the challenges you face. We will work together to establish a genuine connection. I believe this is the most important part of therapy. I value honesty and transparency in our work together, without which movement and authentic change cannot occur. For therapy to work, you have to feel understood and heard by your therapist. I will work with you to alleviate hesitancy about therapy and fear of vulnerability. I will frequently check in with you to ensure the therapy process is working for you and ask how our relationship can be improved. This collaboration will empower you to make the changes you need in your life. You will have more control over your decisions. Regardless of your “why,” whether trauma, marriage or relationship issues, depression, anxiety, grief, loss, or life transitions, I’m honored to be here for you. We will get through this together.

Diann B Klug

(she/her)

Diann B Klug, LMFT - Kentucky Therapist at Grow Therapy
$130/session
LMFT
30 years of experience
Virtual
Hello, I’m Diann. Do you feel overwhelmed by the weight of your responsibilities? Uncertain how to lighten your load? Are you feeling out of balance in your relationships, work, and health? Come talk to me. Together, we will explore strategies to help you increase your confidence, self-awareness, and personal effectiveness. Whether you’re dealing with overwhelm, relationship issues, or self-doubt, I’m here to help. You’re probably not used to asking for help, but you’re making the right choice! You deserve a safe space to reflect, heal, and grow. In our sessions together, I will offer compassion and proven techniques to help you overcome old habits and hangups that no longer serve you. Let’s do this!

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 Spirituality?

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, Spirituality, 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.