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: 8/18/2026

$135/session

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

Authentic
Empowering
Warm
Specialties
Women's Issues
Anxiety
Depression
+5
Sometimes it feels like the actual apocalypse is just around the corner. We are bombarded with terrible headline after terrible headline. Inflation is making it harder to pay the bills, let alone have fun, or reach our dreams. With so much going on in the world, it’s no wonder that there are greater rates of anxiety and depression! In the midst of it all, you might be trying to figure out who you are, what you want from life, how to have that honest conversation with your friend, setting boundaries with a parent, whether to switch jobs, learning to be more comfortable in your skin, etc. It’s a lot to manage. I can help. I am a licensed psychologist and consider myself a generalist with a wide variety of clinical interests including issues related to family of origin, self esteem, identity development, issues related to oppression and marginalized identities, depression, anxiety, stress, and interpersonal relationships.
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$90/session

Authentic
Warm
Empowering
Specialties
Women's Issues
Anxiety
Depression
+8
Hi, I'm Helena (Hell-in-uh)! I am a Licensed Clinical Social Worker with 10 years of experience! I like to emphasize that at the heart of my practice, I am a Social Worker and I approach my work from that perspective. I acknowledge that there are barriers we all experience to living our best lives and that certain people experience more and worse barriers because of who they are. My work is most rewarding when I get to help folks level the playing field by accessing the support, validation and compassion they need.
VirtualAvailable
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New to Grow

$100/session

Specialties
Women's Issues
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. --------------------------------------------------------------------------------------------
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$120/session

Authentic
Empowering
Open-minded
Specialties
Women's Issues
Perinatal Mental Health
Postpartum
+10
Every woman deserves to feel powerful in her own life. We forget how strong, resilient, and deeply worthy we really are, whether you're in the thick of new motherhood, grieving a loss that changed everything, running on empty, or simply tired of feeling like you're not enough. Wherever you are, you are already enough. And I'm here to help you see it, feel it, and reclaim it. Hey there! I'm a Licensed Professional Clinical Counselor Supervisor (LPCC-S) with over 12 years of experience dedicated to supporting and empowering women through life's transitions-because life is always life-ing. My specialty is perinatal mental health. As a certified Perinatal Mental Health Specialist (PMH-C) through Postpartum Support International, I walk alongside women through pregnancy, postpartum, the fourth trimester, traumatic birth, and loss-the seasons that change you in ways no one fully prepares you for. I support women navigating: Perinatal and postpartum depression and anxiety Perinatal OCD and traumatic birth Mother and infant attachment Parenting in recovery Pregnancy and infant loss and grief The fog of depression, anxiety, or stress blocking your path back to yourself Burnout from expectations you never should have carried alone Compassion fatigue — for the helpers, healers, and caretakers who pour from an empty cup Grief of a person, relationship, lifestyle, or a version of yourself Life. The deep, bone-tired desire to stop surviving and start healing Fresh endings and new beginnings This is an inclusive, affirming space that celebrates all backgrounds, identities, and family structures. You belong here-exactly as you are.
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$130/session

Warm
Authentic
Open-minded
Specialties
Women's Issues
Anxiety
Grief
+9
Madison is a seasoned therapist with over 12 years of experience dedicated to empowering women and mothers through their mental health journeys. Madison creates a safe and supportive environment where her clients can explore their feelings and build resilience. Using Cognitive Behavioral Therapy (CBT) as a foundational approach, Madison focuses on helping clients challenge negative thought patterns and develop healthier coping strategies. She is also Health at Every Size® (HAES) trained, promoting a holistic understanding of health that celebrates body diversity and encourages self-acceptance. Madison’s compassionate and client-centered approach has made her a trusted ally for many women navigating the complexities of motherhood, self-image, and mental health. She believes in the power of connection and is committed to helping her clients find their strength and voice in their healing journeys.
VirtualAvailable
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$100/session

Authentic
Warm
Empowering
Specialties
Women's Issues
ADHD
Depression
+3
I am a therapist who provides a warm and steady space for clients navigating anxiety, depression, OCD, substance use, parenting stress, and major life transitions. I help people make sense of what they’re going through, feel more grounded and in control of their emotions, and move toward a life that feels lighter, clearer, and more hopeful. My approach is relational and practical, drawing on DBT, CBT, and mindfulness based strategies to support meaningful and sustainable change. I began my career in medical social work before transitioning into full-time therapy specializing in neurodivergence, emotional regulation, and life transitions. I earned my LCSW while working at UK Healthcare, and spent ten years working with a wide range of patients. Since August 2025, I have been in private practice, where I’m able to offer intentional, client centered care with a healthier work life balance. I earned my Doctor of Social Work degree from the University of Kentucky in 2026.
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$100/session

Warm
Authentic
Empowering
Specialties
Women's Issues
Anxiety
Depression
+10
My name is Dominique Squire, and I am a Licensed Clinical Social Worker. At A Ray of Light, PLLC, I provide trauma-informed, holistic mental health care for individuals seeking balance, clarity, and emotional stability. My work is grounded in evidence-based therapy while honoring the connection between the mind, body, and spirit. I believe healing is not about fixing what’s broken, it’s about creating safety, regulation, and understanding so growth can happen naturally. Many of the clients I work with feel overwhelmed, emotionally exhausted, or stuck in survival mode. My role is to offer a supportive, compassionate space where clients can slow down, reconnect with themselves, and build sustainable coping skills. My approach integrates traditional therapeutic methods with nervous-system-informed practices that support emotional regulation and self-awareness. All care is collaborative, client-centered, and respectful of each individual’s values and beliefs. I do not impose spiritual or personal viewpoints; instead, I support clients in finding what feels grounding and aligned for them. Whether you are navigating anxiety, depression, life transitions, relationship challenges, or the impact of trauma, therapy can be a place to regain stability and rediscover hope. You deserve care that feels safe, thoughtful, and authentic. Please be aware that insurance companies do not cover documentation and court support. To provide these service, I require a minimum of 60 days of sessions to gather relevant information. The fees is payable via private pay. Please note that all requests may not be fulfilled if not clinically necessary.
VirtualAvailable
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$100/session

Warm
Authentic
Intelligent
Specialties
Women's Issues
Serious Mental Illness
Suicidal Ideation
+10
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.
VirtualAvailable
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$150/session

Holistic
Authentic
Warm
Specialties
Women's Issues
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
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$90/session

Authentic
Humorous
Open-minded
Specialties
Women's Issues
Addiction
Life Transitions
+10
I earned my Master’s degree in 2022 and bring four years of clinical experience working with individuals, families, adolescents, and court-ordered clients. My background includes supporting clients navigating dual diagnoses and a wide range of mental health concerns, including substance use disorders, bipolar disorder, schizophrenia, borderline personality disorder, anxiety, and depression. I am deeply committed to ongoing growth, both personally and professionally, because I believe the best way to support others is to continually reflect, learn, and evolve. Whether you are seeking stability, clarity, healing, or deeper self-understanding, I will meet you with empathy, compassion, and a steady presence as we work toward meaningful change together.
VirtualAvailable
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$150/session

Authentic
Warm
Empowering
Specialties
Women's Issues
ADHD
Anxiety
+10
Hi there, I'm Leslie. Do you often find yourself overwhelmed by the demands of a busy life? Maybe you feel like something is "off" that you cannot quite identify. You may feel disconnected and experience frequent low moods. You might be someone who has been diagnosed or self-identified as neurodivergent, or you may be raising a neurodivergent child and feeling lost in coping with your feelings about how to navigate that challenge. You might be stuck in (or exiting) a romantic relationship that does not serve you, but you are struggling to find your path forward. Whatever the source of your anxiety, I am here to help! I support individuals across a spectrum of ages and circumstances to understand how to find their footing in their daily lives. I use a unique person-centered behavioral approach that is affirming and includes action steps to access change. When you meet with me, you will hear "real talk" grounded in evidenced-based techniques. Together we will discover a path to a more manageable daily life that fits your specific circumstances. Congratulations on taking the step to seek support through therapy. l look forward to working together!
VirtualAvailable
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$120/session

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

Warm
Authentic
Empowering
Specialties
Women's Issues
Anxiety
Life Transitions
+10
I consider myself the Dolly Parton of mental wellness: all humans are welcome, being clear is kind, and, like Dolly, sometimes we all need a little help navigating life from 9-to-5. I provide therapy in Ohio and Kentucky, and I also offer holistic wellness coaching and integrative psychedelic support to help you explore growth from multiple angles. In our sessions, I tailor the process to fit you—addressing experiences, patterns, or distortions that might leave your cup of ambition dry. With a transparent, solution-focused approach, we’ll work together to create meaningful, lasting change that goes beyond our 50 minutes.
VirtualAvailable
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$150/session

Empowering
Warm
Direct
Specialties
Women's Issues
Anxiety
Depression
+6
Hi! I am a Licensed Clinical Social Worker in the states of Kentucky and Tennessee. I received my Masters from Walden University in 2015 and have been practicing since. I am a solution-focused, client-centered therapist who has dedicated my life to assisting others in their journey toward healing and growth. In therapy, we work together to unlearn unwanted behaviors/thoughts and develop tools to regain control over your lives. I am here to support you through the process.
VirtualAvailable
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$90/session

Warm
Authentic
Empowering
Specialties
Women's Issues
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!
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$90/session

Warm
Authentic
Open-minded
Specialties
Women's Issues
Anxiety
Depression
+8
Hello! I'm a Licensed Clinical Social Worker (LCSW) based in the state of Kentucky. I earned a Master's in Social Work and I have been practicing for 14 years. I help adolescences and adults find ways to heal from their trauma, help them become more self aware, and to stop negative thinking, so they can become the best versions of themselves.
VirtualAvailable
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$120/session

Warm
Authentic
Solution oriented
Specialties
Women's Issues
Couples Counseling
Depression
+6
I am a LCSW with 20 years of experience working with clients suffering from depression, anxiety, burnout and other mental health issues. I help identify root issues and work with my clients to better understand their therapeutic goals. I specialize in working with individuals and couples who are experiencing challenges in their lives or relationships. My approach to therapy is compassionate, collaborative and tailored to meet your specific needs and goals. I believe everyone has the capacity for growth and positive change and I am here to support you on your journey towards greater emotional well-being and fulfillment.
VirtualAvailable
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$70/session

Warm
Authentic
Empowering
Specialties
Women's Issues
Anxiety
Self Esteem
+5
Hey there!! I am a Licensed Clincial Social Worker based in Kentucky. I have provided therapy to clients for 25 years. I really enjoy gettting to know you as a person and develop a treatment plan that will benefit you the most. Time does not heal trauma, painful experiences, and behavior patterns that need to change. Let me help you find the best YOU!!! I have been married for 25 years and have two wonderful daughters and two dogs. I want to use your strengths to heal and improve your life.
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$100/session

Warm
Solution oriented
Authentic
Specialties
Women's Issues
Addiction
Anxiety
+4
My name is Lynnsey Vandeventer, and I am a Licensed Professional Clinical Counselor Supervisor in the state of Kentucky, a Nationally Certified Counselor, and a Certified Addiction-Informed Mental Health Professional. Since 2019, I have worked primarily in the field of substance use, where I’ve had the privilege of supporting individuals and families through some of their most challenging and transformative moments. I am deeply passionate about helping others grow into their fullest potential, and I strive to create a therapeutic environment that is welcoming, compassionate, and grounded in evidence-based practice. I bring a calm, approachable presence to my work, while also offering clear clinical insight and guidance rooted in my years of experience. In addition to my clinical practice, I am currently pursuing my doctoral degree in Counselor Education and Supervision, which continues to expand my knowledge and strengthen my commitment to the counseling profession. My goal is to walk alongside clients with authenticity and respect as they move toward healing, growth, and meaningful change.
VirtualAvailable
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$150/session

Warm
Authentic
Humorous
Specialties
Women's Issues
Anxiety
Depression
+10
Hi, I am honored you are taking time out of your busy day to consider me as your therapist. I am a Licensed Clinical Social Worker in Pennsylvania and Kentucky. I received my Masters in Social Work from Marywood University and have been practicing for 20+ years. I assist individuals like you — thoughtful, resilient, and ready to face the hard things, even when they feel confusing or uncertain - through empathy, compassion, and challenge.
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Often rebooked

$150/session

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

Specialties
Women's Issues
Addiction
Anxiety
+9
My name is Carissa. I am a retired Air Force Master Sergeant and now a LCSW clinical therapist. I am married to my best friend d of 35 years and have two children. I graduated from the University of Louisville in 2023 with two masters degrees in social work. I currently am working as an associate director for in home care with families battling addiction and mental health issues.
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$75/session

Authentic
Empowering
Warm
Specialties
Women's Issues
Perinatal Mental Health
Postpartum
During trying to conceive, pregnancy and the postpartum period, women and new moms are faced with all kinds of intense challenges. Between fluctuating hormones, adjustments to motherhood, and the risk of postpartum mood and anxiety disorders, there could be a number of issues that women face during the perinatal journey. I am committed to working with women and providing them support as they navigate these uncharted waters of motherhood. Perinatal mood and anxiety disorders affect 1 in 5 to 7 moms. You are not alone. With support and help, you can be healthy and enjoy a rich and meaningful life. I am certified through Postpartum Support International in perinatal mood and anxiety disorders. This training offered me insight to using interpersonal and CBT therapeutic techniques to work with clients who are struggling with adjustments to parenthood, as well as serious mental health issues that can arise during pregnancy or the postpartum period. If you are concerned that your anxiety in pregnancy is not just nerves, or you’re worried that your struggles are greater than the baby blues, reach out today for specialized care. You are not alone, and with help, you can be well.
VirtualAvailable
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New to Grow

$110/session

Specialties
Women's Issues
Anxiety
Health/Medical Issues
+10
Hello, I'm Sarah. I'm a licensed clinical social worker who works with adults virtually in Ohio, Indiana, and Kentucky. I strive to be easy to talk to, and I believe therapy should feel like a space where you can show up exactly as you are—without pressure, judgment, or needing to have everything figured out. My practice is collaborative, down-to-earth, and centered on what matters most to you. We’ll make room for whatever you’re carrying, whether it’s stress, relationship challenges, big life changes, old patterns that keep showing up, or simply the feeling that something needs to shift. I’ll listen closely, help you make sense of what’s going on, and support you in finding practical ways to move forward. I want our work to feel real and useful—not overly clinical or one-size-fits-all. Together, we’ll go at a pace that feels right for you, build on your strengths, and create space for more clarity, confidence, and self-trust.
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Frequently asked questions

When looking for online therapy, you can see anyone that is credentialed in Kentucky. We want you to find the best fit, therefore, Grow Therapy shows available therapists across Kentucky from Bowling Green to Lexington! If you’d rather see someone in-person, you can change the filter from virtual and find a therapist near you in Kentucky.

When booking you’ll be asked to verify with your Member ID. However, if you don’t have any of the insurances available you can select cash. Our therapists will have their cost of appointment on their profile. Individual session costs will vary.

The specialty filter is optional. You don’t need to check any boxes to see a provider. However, fit is very important when selecting an online therapist. If you have knowledge or experience to recognize what specialties you may need. For example, your selected specialty, Women's Issues, 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.