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 21 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: 7/2/2025

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.

Donnah Clark-Miller

Donnah Clark-Miller, LPCC - Kentucky Therapist at Grow Therapy
$100/session
LPCC
15 years of experience
Virtual
Hi there! I am glad you are here! I'm Donnah. A little information about me. I have diverse experience working in community mental health, and I particularly enjoy working with adolescents, young adults, and their families. I strive to be the type of helper and ally that I would have benefited from as a teen. Transitioning to adulthood can be challenging, and I am passionate about supporting this population. Whether it's dealing with school challenges, choosing a career, facing emerging mental health issues, or navigating parental or relational difficulties, I am eager to help.I have a wide range of experience in community mental health and find great satisfaction in supporting adolescents, young adults, and their families. My goal is to provide the kind of support and understanding I would have valued as a teenager. Recognizing the difficulties of transitioning to adulthood, I am dedicated to helping this age group navigate challenges such as school pressures, career decisions, emerging mental health concerns, emotional regulation problems, and family or relationship issues.

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.

Danielle Mattingly

Danielle Mattingly, LCSW - Kentucky Therapist at Grow Therapy
$100/session
LCSW
10 years of experience
Virtual
Hi! I'm a Licensed Clinical Social working serving both Kentucky and Tennessee. I received my Masters from the University of Southern California and have been practicing for 10 years. My therapy approach is dedicated to empowering individuals of all ages who are navigating significant shifts in mood and self-esteem. My goal is to help you explore underlying challenges, transforming them into opportunities to become a stronger and more resilient person.

Christy Morris

(she/her)

Christy Morris, LCSW - Kentucky Therapist at Grow Therapy
$80/session
LCSW
10 years of experience
Virtual
Hello! I am a Licensed Clinical Social Worker based in Kentucky. I have worked in the social service/mental health field for over 14 years to include CPS investigations, psychiatric residential, Michelle P Waiver case management, and Substance Abuse Program (SAP). I received my Master of Social Work from the Carver School of Social Work at Campbellsville University in 2015 and have been practicing for 8 years. I have recently been trained in Accelerated Resolution Therapy which is an eye movement modality that can help reduce or eliminate negative sensations in as little as one session. I strive to provide therapeutic care where each individual feels safe and secure in each session buy creating a judgment-free atmosphere. My goal is to build mutual trust with each other and help you find your path to taking control back of your life and emotions.

Angie Olson

(she/her)

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

Angie Combs

Angie Combs, LCSW - Kentucky Therapist at Grow Therapy
$120/session
LCSW
15 years of experience
Virtual
I am a Licensed Clinical Social Worker (LCSW) working in Kentucky. I graduated in 2009 with my Masters in Social Work from the University of Kentucky. In 2005, I graduated from Eastern Kentucky Univeristy with a Bachlors in Psychology. I have been providing therapy for 15 years. I help individuals that are experiencing life stressors, depression, anxiety, low self-esteem, truama and biploar disorder.

Chris Copas

Chris Copas, LPCC - Kentucky Therapist at Grow Therapy
$90/session
LPCC
23 years of experience
Virtual
Hi, I'm Chris, a Licensed Professional Clinical Counselor (LPCC-S) with over 20 years of experience in the mental health field helping individuals with a wide range of emotional and life issues. I use evidence-based therapeutic strategies as well as a person-centered approach to individualize your needs, abilities and means to achieve your goals. Having lived, studied & worked in rural America, large cities, military, civilian, blue and white collar jobs, I relate to a wide spectrum of people. If you’re looking for an honest ally who can offer hope while centering on achievable goals, an empathetic ear to hear underlying solutions to your problems, a way forward to tap into your inherent strengths and skills, then get in touch and lets make life better. I work with individuals who have likely been struggling for many years, sometimes have more than one identified issue and are unsure of how to change how they feel, improve their relationships or see things getting better for themselves. Typically, core issues can be identified within the first few sessions along with a plan to manage them.

Sunni Aster

(she/her)

Sunni Aster, LCSW - Kentucky Therapist at Grow Therapy
$90/session
LCSW
3 years of experience
Virtual
Hello, I am a Licensed Clinical Social Worker in Kentucky. I have been doing therapy for over 3 years working primarily with adolescents in crisis, having suicidal thoughts, acting out behaviors and substance use and misuse. I have worked with clients in both individual and group setting with a variety of modalities and strategies to help them reach their goals.

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.

Laura DeBoer

(she/they)

Laura DeBoer, LCSW - Kentucky Therapist at Grow Therapy
$150/session
LCSW
3 years of experience
Virtual
Hello! I am a Licensed Clinical Social Worker (LCSW) based in Kentucky. I received my Masters degree in Social Work from Simmons University in Boston and have a total of 6 years experience, including 3 years prior to obtaining my independent license. I support teens and adults in marginalized communities during all of the stages of their mental health journey.

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.

Swan Roberts

(she/her)

Swan Roberts, LCSW - Kentucky Therapist at Grow Therapy
$120/session
LCSW
6 years of experience
Virtual
Welcome to Grow Therapy. My name is Swan Roberts, and I am a licensed therapist, clinical social worker. I have 5 years of therapy experience. I was also in the U.S. army as a medic. I am so glad you have decided to seek help, and I look forward to meeting you on this healing journey. I decided to become a licensed clinical social worker (LCSW) therapist because I have always enjoyed helping people realize their potential, and when I was getting out of the army, I had a therapist to help me through that transition, which inspired me to follow this career path. When people experience trauma and stress, there is a tendency to develop a zoomed-in view of the problem and even blame themselves for the root of the problem. I am here to help you develop a more helpful and realistic outlook and note available solutions to what is going on. I have education and experience treating clients who have gone through trauma, and clients who have symptoms of PTSD, depression, anxiety, and bipolar disorder.

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.

Edwin Barnes

(he/him)

Edwin Barnes, LPCC - Kentucky Therapist at Grow Therapy
$70/session
LPCC
20 years of experience
Virtual
I am career Clinical Psychotherapist devoted to aiding individuals, couples, adults. teens, families, and veterans suffering emotional stress and mental health issues. My priorities focus on persons experiencing anxiety, mood disorders, relationship and communication problems, grief and trauma recovery. I am committed to illustrating how the vital quality of resilience can be acquired through learned coping skills and accurate self=perception. Activating improvement plans, achieving goals, and building confidence are the center of my person-centered counseling.

Regina Hancock

Regina Hancock, LPCC - Kentucky Therapist at Grow Therapy
$100/session
LPCC
10 years of experience
Virtual
Hi, I’m Regina Hancock, M.ED., LPCC-S I’m an experienced Counselor who can help shape your perspective into a healthy and productive one. Whether it’s your relationships, or anything else that’s important to you, I’ll help you develop the habits and skills to effectively deal with the challenges and emotional moments you may encounter in life. I have been a therapist since 2016 and I obtained my LPCC in 2019. I have since obtained my LPCC-S. I am very excited to be able to help others and assist them in becoming a better version of themselves. I am a Lindsey Wilson College graduate; I first attended LWC in 2002-2007 I obtained an Associates of Arts degree in Early Childhood and Development and a Bachelors of Arts in Christian Ministries. I went back to LWC in 2014-2015 and obtained a Masters of Education in Human services and counseling. I am currently pursuing a PHD in Counselor Education and Supervision from The University of the Cumberlands.

Mona Cattan

Mona Cattan, LCSW - Kentucky Therapist at Grow Therapy
$175/session
LCSW
25 years of experience
Virtual
Hi, I’m Mona. I specialize in helping people overcome the emotional pain of trauma and addictions, including anxiety and depression. With a Master’s in clinical social work and over 25 years as a licensed Clinical Social Worker (LCSW) in Kentucky, I guide you in understanding how trauma affects your relationships, career, health, and overall quality of life. I help people break free from the pain of the past without reliving it. With a unique blend of counseling and coaching, I will guide you to release emotional baggage and reclaim your life. Every person's journey is unique, so I offer tailored services to meet your needs. Whatever you're facing, I'm here to help you move forward. I create a safe/respectful space to help clients identify & break through the barriers that hold them back. I explore limiting beliefs rooted in past traumas, especially from childhood, and transform them into empowering truths. By building healthy coping skills, boundaries, & self-care, clients quickly experience improved self-esteem, better relationships.

Ashley Paxton-Watts

Ashley Paxton-Watts, LCSW - Kentucky Therapist at Grow Therapy
$100/session
LCSW
22 years of experience
Virtual
Hello and welcome! I am a Licensed Clinical Social Worker in Kentucky, Georgia, and Florida. I have been practicing in behavioral health for 22 years and I have a diverse background to help with your current struggles and condition. I provide individual therapy, family therapy, and couples counseling. I help Patients with newly diagnosed conditions and ways to cope with ongoing health problems and life challenges. My specialty is Dialectical Behavior Therapy (DBT). I also use Cognitive Behavioral Therapy (CBT), Acceptance and Commitment Therapy (ACT), EFT, family systems modalities, the Gottman Method, Solution Focused Therapy, Reality Therapy, Trauma-Focused Therapy, TF-CBT, NLP and Life Coaching, Psychoeducation, and Motivational Interviewing. I provide EAP counseling and help with workplace concerns and employment/employer issues. I help Patients reach effective solutions to their varied challenges and needs. I believe that each individual can overcome struggles and learn ways to self-heal. I have worked with children, adolescents, and adults with a wide range of issues including PTSD, trauma, personality disorders, serious mental illness (SMI), sleep difficulties, anxiety, stress, career difficulties and workplace concerns, suicidality, self-injury, abuse and neglect, anger, depression, low self-esteem, grief and loss, ADHD, aggression, impulsivity, parenting stress, interpersonal problems, and adjustment issues and transitions. I help with family conflicts, marital problems, relationship struggles, and couples in varying stages of their relationship from pre-marital counseling, divorce, remarriage, co-parenting, blended family issues, and family court-related issues. I help empower Patients and guide them to self-discovery, expand and develop healthy coping strategies, problem-solve, and learn skills to help themselves to handle life challenges. My commitment is to help you grow and make changes that are important to you to move forward in life and cope more effectively. It takes courage to ask for help and I am here to support you.

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.

Sara Frohlich

(she/her)

Sara Frohlich, LPCC - Kentucky Therapist at Grow Therapy
$125/session
LPCC
21 years of experience
Virtual
With over 21 years of experience in the mental health field, I am dedicated to helping adults navigate life’s challenges and find healing. As an LPCC licensed in both Ohio and Kentucky, I specialize in treating trauma, anxiety, depression, relationship struggles, and self-esteem issues. I hold a Master’s degree in Counseling from the University of Cincinnati, and my approach integrates a deep understanding of human emotion with a genuine desire to create meaningful change. My therapeutic style is warm, approachable, and often includes humor to help create an open and supportive space for growth. I use trauma-informed care and evidence-based practices to help clients process past experiences, build resilience, and reclaim their sense of safety and control. Validation, empathy, and humor are key tools I use to make healing feel not only possible but hopeful. Together, we work to foster lasting change, create healthier coping strategies, and develop a stronger, more empowered sense of self. Life’s challenges can feel overwhelming, but with the right support, transformation is always within reach. I am here to walk with you, every step of the way, toward a future filled with healing, strength, and peace.

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 Suicidal Ideation?

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, Suicidal Ideation, 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.