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 199 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: 8/20/2026

$125/session

Authentic
Warm
Specialties
ADHD
Anger Management
Anxiety
+10
I am a Licensed Professional Clinical Counselor with a passion for helping individuals and families heal from past experiences, develop healthy communication patterns, establish boundaries, and operate within a safe, loving dynamic. I am a certified trauma-informed care provider. I specialize in anxiety, depression, and trauma disorders. I believe your ability to grow lies within you. I look forward to working with you. Contact me to begin your healing journey today. Immediate openings for new clients.
VirtualAvailable
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New to Grow

$70/session

Specialties
Anxiety
Depression
Trauma and PTSD
+1
Life can feel overwhelming when you are carrying the weight of past traumas or managing daily mental health struggles. My practice offers a safe, non-judgmental space where we work together to understand the root causes of your pain, develop practical coping tools, and rebuild a life rooted in stability and peace. You do not have to walk this path alone.
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New to Grow

$90/session

Specialties
Anger Management
Anxiety
Parenting
+8
Hello, I am Dennie Morrison, Jr., LPCC. I am a licensed mental health therapist with 21 years' experience working with children, adolescents and adults. I have a master's degree in mental health counseling with training in marriage and family therapy as well through Lindsey Wilson College. I have experience in working with individuals in treatments facilities, as well as community settings. My passion is to assist others in improving their quality of life through empowering them with necessary skills.
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$120/session

Authentic
Intelligent
Humorous
Specialties
Addiction
ADHD
Trauma and PTSD
+5
So, here we are. Life’s a bit of a mess, isn’t it? Maybe it feels like you’re starring in a horror movie, except no one handed you the script. I’m Kandace Barkham, and I help people like you. Those who are over the empty platitudes and ready for real change. I have an LCSW/LCADC. I hold a BSW and an MSSW from the Kent School. If you’re looking for a therapist who’s going to sit back, nod silently, and sprinkle some feel-good phrases your way… well, that’s not me. I’m here to help you actually get unstuck, and yes, we might even laugh at the absurdity of it all along the way. Let’s cut through the nonsense: trauma, addiction, mental health issues. they suck. But you know what sucks more? Pretending like everything’s fine and letting them control your life. Together, we’ll work through the heavy stuff. We’ll get into the mess, sort it out, and figure out how you can finally breathe a little easier. Therapy with me isn’t some endless loop of “and how does that make you feel?” It’s a collaborative process where I bring my expertise to the table, and you bring your courage to face what’s been holding you back.
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$75/session

Warm
Authentic
Solution oriented
Specialties
Anxiety
Depression
Trauma and PTSD
+10
Hi I'm Abby! I'm a mental health professional with five years of experience working in a variety of settings, including community mental health and integrated primary care. My goal is to bring a compassionate, strengths-based approach to each therapy session. I utilize evidence-based practices, including Trauma-Focused Cognitive Behavioral Therapy (TF-CBT), Motivational Interviewing, and Cognitive Behavioral Therapy (CBT) to support clients navigating trauma, life transitions, anxiety, and other emotional challenges. I aim to create a safe space where clients feel empowered to explore their experiences and move toward meaningful change.
VirtualAvailable
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New to Grow

$90/session

Specialties
Anxiety
Coping Skills
Depression
+10
Hello and welcome! My name is Mistie Price and I am Licensed Professional Clinical Counselor with 24 years of experience. Taking the first step to start therapy requires courage and so I first want to commend you for taking that step. My practice is built on the belief that you deserve a safe, non judgmental space to explore what ever life challenges you are facing. I combine my years of clinical experience with the evidence based methods and practices for a collaborative and compassionate approach to help you reach your goals! I primarily work with adults of all ages; however I do have 14 years of experience in working with children and adolescents. Because this is a virtual practice I will accept clients ages 17 and up. We can work together to navigate any issues or challenges you may be facing. I have two decades of experience working with a variety of mental health disorders including but not limited to; Depression, Anxiety, Mood Disorders, ADHD, PTSD, Domestic Violence, and Substance Abuse.
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$90/session

Warm
Authentic
Open-minded
Specialties
Anxiety
Depression
Trauma and PTSD
+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.
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$105/session

Authentic
Warm
Open-minded
Specialties
ADHD
Anxiety
Couples Counseling
+10
Life can be challenging, especially when you're balancing relationships, parenting, caregiving, work responsibilities, and the expectations you place on yourself. It's easy to find yourself feeling overwhelmed, anxious, disconnected, or unsure of how to move forward. My goal is to provide a space where you can feel genuinely heard, understood, and supported while creating meaningful change. I work with individuals, and couples navigating anxiety, depression, trauma, PTSD, relationship difficulties, life transitions, caregiver stress, and family challenges. Together, we explore patterns that may be keeping you stuck, build practical tools for managing emotions and stress, and strengthen the relationships that matter most. My approach combines evidence-based strategies with compassion, curiosity, and a belief that growth happens when people feel safe enough to be honest about both their struggles and strengths. Whether you're working through a difficult season, healing from past experiences, improving communication, or seeking greater balance in your life, I strive to help you build resilience, deepen self-understanding, and move toward a life that feels more connected and fulfilling. Outside of my work, I most enjoy spending time getting outdoors with my family. Whether we're exploring nature, staying active, or simply enjoying time together, these experiences remind me of the importance of connection, balance, and being present in the moments that matter most. You don't have to navigate it all alone.
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$100/session

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

$100/session

Specialties
Coping Skills
Life Transitions
Self Esteem
+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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$135/session

Warm
Direct
Empowering
Specialties
Anxiety
Trauma and PTSD
Women's Issues
+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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$120/session

Authentic
Empowering
Open-minded
Specialties
Perinatal Mental Health
Postpartum
Women's Issues
+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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$90/session

Warm
Open-minded
Authentic
Specialties
Anger Management
Anxiety
Depression
+1
I am a Licensed Clinical Social Worker who is deeply committed to helping individuals feel understood, supported, and empowered in their healing journey. I work with adolescents and adults experiencing challenges related to trauma, anxiety, and depression, providing a safe and compassionate space to explore their experiences and build meaningful change. My approach is rooted in empathy and genuine connection. I believe that each person has the capacity for growth and healing, even when life feels overwhelming or painful. Through evidence-based approaches such as EMDR, CBT, and DBT, I help clients process difficult experiences, develop effective coping strategies, and gain a stronger sense of self. My goal is to support clients in moving beyond survival mode and toward a life that feels more balanced, fulfilling, and aligned with who they are. I strive to help individuals build self-worth, strengthen relationships, and feel more confident in their ability to navigate life’s challenges while embracing their authentic selves.
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$100/session

Authentic
Warm
Empowering
Specialties
ADHD
Depression
Life Transitions
+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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New to Grow

$100/session

Specialties
Anxiety
Depression
Trauma and PTSD
+7
I’m a Licensed Professional Clinical Counselor (LPCC) in Kentucky and a Licensed Clinical Professional Counselor (LCPC) in Maryland, and I work with children, adolescents, and adults who are going through emotionally heavy or overwhelming seasons of life. My goal is to offer a space that feels safe, steady, and genuinely human where you don’t have to have it all figured out, and you don’t have to carry things alone. I support clients working through trauma, anxiety, depression, stress, emotional regulation, and life transitions, using evidence-based and trauma-informed approaches like CBT, TF-CBT, DBT, and CAMS. At the heart of my work is collaboration we move at your pace, build practical coping tools together, and focus on helping you feel more grounded, empowered, and hopeful in your day-to-day life.
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$100/session

Authentic
Empowering
Warm
Specialties
Anxiety
Depression
Life Transitions
+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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$100/session

Authentic
Warm
Solution oriented
Specialties
Obsessive-Compulsive (OCD)
Personality Disorders
Trauma and PTSD
+10
Hello! My name is Rachel Fondren and I am a licensed independent clinical social worker and private independent practitioner. I graduated from the University of North Alabama with a Bachelors in Social Work and from the University of Southern California with a Masters in Social Work. Over the years, I have worked with individuals on a wide range of concerns including depression, anxiety, relationship issues, personality disorders, trauma, career challenges, OCD, ADHD, and Serious Mental Illnesses.
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$90/session

Authentic
Direct
Solution oriented
Specialties
Anxiety
Coping Skills
Depression
+10
Hi, I'm Paul, a Licensed Clinical Social Worker who works with adults experiencing anxiety, depression, addiction, trauma, and life transitions. I attended the University of Cincinnati for undergraduate and Northern Kentucky for my Master's degree. I have worked in the mental health field for over twenty years and direct therapy for about twelve years. I use several types of modalities depending on the issue, including Motivational Interviewing, CBT, and Solution-Focused Therapy. I am a strong believer in general health and wellness and look forward to working with you to become the best version of yourself. Please feel free to contact me if you have any questions or need an appointment outside my available hours.
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$150/session

Specialties
Anxiety
Depression
Family Conflict
+7
Hi! My name is Leahanna McDonald and I am a Licensed Clinical Social Worker (LCSW)! I received my Masters from the University of Southern Indiana and have been serving children and families since 2014. I support children, teens, and caregivers during high stressors of life transitions such as divorce, separation, parenting conflicts, high conflict divorce, custody changes, and changes in family dynamics.
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$125/session

Authentic
Direct
Empowering
Specialties
Addiction
Family Conflict
Mood Disorders
+10
Hi, I'm Julie D'Anniballe, founder of D'Anniballe Counseling and Wellness. I'm a licensed mental health counselor with over 18 years of experience. Additionally, I am a supervisor for the Kentucky Board of Licensed Professional Clinical Counselors. At D'Anniballe Counseling and Wellness, I prioritize creating a nurturing environment for healing and personal growth. I provide mental health counseling to adults and teens who are seeking support, clarity, and meaningful change in their lives.
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$100/session

Warm
Authentic
Humorous
Specialties
Anxiety
Depression
Mood Disorders
Hi there, I'm Jamie. In life, do you often feel as if you are driving alone down a dark road and are sometimes overcome with the burdens of everyday life? Is it hard for you to be kind to yourself? Do you feel that depression or anxiety is taking away your joy? Let me help you get that joy back. Seeking therapy can be scary but you are making the right choice. You are in the driver's seat. I am merely a passenger, with the necessary tools to assist you in finding the light at the end of the tunnel. I utilize an interpersonal approach that is specific to your needs to assess the situation and provide guidance along the way. My goal is to meet you where you are in your journey and help you get where you want to be. You deserve a safe space to heal and grow. In our sessions together, I'll help you with compassion and evidence-based techniques, so you can overcome the 3 H’s – hangups, hardships, and habits- that are holding you back. I can't wait to meet and talk so we can work together to reach your goals!
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Often rebooked

$100/session

Open-minded
Warm
Authentic
Specialties
Anxiety
Depression
Trauma and PTSD
+10
My name is Kimberly Watkins. I am a Licensed Professional Clinical Counselor who cares deeply about helping you make your way. Being a native of a small town, I understand the challenges these communities face in gaining quality mental health care. Therefore, after college and getting married, I pursued higher education to fulfill my passion of becoming a counselor. Along the way, I have helped others in various capacities including displaced children and teen moms, working at a homeless shelter and grief center, teaching Social Emotional Learning classes to children in a school setting, providing school-based and outpatient therapy for children and adults in multiple mental health agencies and schools. I have also worked as a Group Therapist for teens/preteens in PHP/IOP Program. Through all these experiences I have gained a vast understanding and knowledge of challenges individuals and families face. I want to continue this journey by providing private individual therapy services. I seek to provide compassionate, client-centered counseling to individuals and families in communities. I seek to help individuals and families grow strong roots by encouraging clients to explore and utilize resources in their communities including family, friends, and faith-based services. I seek to help people address issues they are experiencing such as depression, anxiety, trauma, grief, and relational challenges. I will meet each client where they are and help them work through past and current pain to build a more balanced and manageable life. My goal is to support individuals and families in building healthier, more resilient lives across generations. My personal passion is to strengthen communities by increasing access to compassionate, high quality mental health care.
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$130/session

Warm
Authentic
Open-minded
Specialties
Anxiety
Grief
Self Esteem
+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.
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$120/session

Warm
Authentic
Empowering
Specialties
Anxiety
Life Transitions
Women's Issues
I'm so glad you're here! I know it takes a great amount of courage to even begin looking for help. You may be wondering if anyone will understand you and what you are going through or if there is even any hope! Well there is, and I am here to help you! Hi! I'm Brenda. I'm a Licensed Professional Counselor with a background in yoga and wellness. I offer an on-line therapy office serving folks in Kentucky, New Jersey, and Michigan. Consider me your trusted guide on your path to mental and emotional well-being. You'll notice I have a down to earth nature, and strive to create a safe, non-judgmental, supportive space to unpack the early whispers of unease and the thunderstorm of overwhelming emotions.
VirtualAvailable
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$125/session

Warm
Authentic
Solution oriented
Specialties
Anxiety
Depression
Trauma and PTSD
+10
I have been working in this field since 2014. I am experienced in many approached and modalities including Cognitive Behavioral Therapy and Motivation Interviewing. I am offering Individual, Couples, and Family Therapy Sessions. Let’s meet and see how I can help you work through those things that are hindering you or overwhelming you. May that be trauma or life changes. How can I support you in your time of need? How can we get you Ready To Bloom?
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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.

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.