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 165 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: 3/29/2026

New to Grow

$120/session

Specialties

Addiction
Couples Counseling
Depression
+10
My name is Mickey Lewis. I am a Licensed Marriage/Family Therapist (LMFT) and Licensed Clinical Alcohol/Drug Counselor. I am a member of the American Association Of Christian Counselors. I obtained my Master’s degree from Western Kentucky University. I have over 30 years of experience working in the field of Mental Health and Substance abuse. My focus in the counseling session is to assist individuals and families to become the best version of themselves that they can be.
VirtualAvailable

New to Grow

$100/session

Specialties

Anxiety
Depression
Trauma and PTSD
+4
I am a Licensed Clinical Social Worker dedicated to helping individuals navigate life’s challenges and create meaningful, lasting change. I provide a supportive and collaborative space where clients can explore their thoughts, emotions, and behaviors while building practical coping skills. My approach is client-centered and goal-oriented, meeting you where you are while helping you move toward where you want to be.
VirtualAvailable

$170/session

Solution oriented
Authentic
Direct

Specialties

Couples Counseling
Depression
Personality Disorders
+10
Welcome - I am glad you are here! I am accepting new Ohio and Kentucky clients via telehealth in February. Life is a complex mix of beauty and messiness, and I believe that while time passes, true healing requires intention. Our experiences—from our earliest memories to the present—shape how we move through the world. I am here to help you gently navigate those layers, understanding how your past influences your present so you can intentionally reshape your future. My Approach I provide a safe, affirming, and non-judgmental space where you are always the expert on your own life. My practice blends: Trauma-Informed & Strengths-Based Care: Honoring your history while focusing on your inherent resilience. Practical Tools: Providing actionable skills you can use outside of our sessions to support your daily well-being. Collaborative Growth: Whether you are navigating grief, trauma, or a major life transition, we will work together to build a path that reflects your unique needs. The Goal Together, we will work toward a future where you can hold compassion for your past, purpose in your present, and genuine hope for your future. You don’t have to find your footing alone.
VirtualAvailable

$90/session

Authentic
Solution oriented

Specialties

Addiction
Life Transitions
Women's Issues
+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

New to Grow

$100/session

Specialties

Parenting
Trauma and PTSD
Women's Issues
+9
My name is Alex Rentel. I have been a counselor since 2019, but been in the mental health field in other roles since 2017. I have worked with many humans from many different backgrounds with an array of different struggles. I enjoy listening to stories whether it be from another human or my audiobook. I teach yoga and enjoy being outside when the weather is nice. I am a mother and a wife and believe that my life experiences help make me the therapist that I am.
VirtualAvailable

$90/session

Authentic
Challenging
Intelligent
Solution oriented
Warm

Specialties

Anxiety
Depression
Trauma and PTSD
+10
As a licensed therapist in Kentucky with over three decades of clinical experience, I specialize in supporting individuals navigating the complex emotional landscape of life. My practice focuses on addressing challenges such as depression, anxiety, trauma, grief, and interpersonal relationship dynamics. I have extensive expertise in working with teens, adults, older adults, veterans, first responders, and individuals experiencing life transitions.
VirtualAvailable

New to Grow

$175/session

Specialties

Anxiety
Depression
Women's Issues
+4
Hello, my name is Ebony and I specialize in women's mental health. I have over 14 years in the social work field, working with diverse populations in various settings. I have 6 years providing clinical work to individuals, families and groups. Currently, I help women just like you who may be a single mom or professional woman that is struggling with anxiety, depression, work-life balance, parenting issues, interpersonal issues, life transitions, and stress.
VirtualAvailable

$90/session

Empowering
Authentic
Warm
Humorous
Open-minded
Intelligent
Solution oriented
Direct
Challenging
Holistic
Open-Minded
Solution oriented

Specialties

Obsessive-Compulsive (OCD)
Trauma and PTSD
Women's Issues
+1
Hello! My name is Amaris and I'm happy you're here :) Do you ever feel confused by your behavior? Do you act in ways that are incongruent with who you want to be? Do you struggle with self-doubt and wish you could have more confidence? There are always reasons why people do the things they do. My approach is to help alleviate shame and unnecessary guilt by helping clients understand the “why” behind their emotions and behaviors. I use a trauma-informed approach with all my clients and aim to create an emotionally safe space to explore vulnerable thoughts and feelings. Sometimes personal growth means accepting that you're either going to deal with your stuff, or your stuff is going to deal with you. Therapy is a great place to start the healing process.
VirtualAvailable

$80/session

Direct
Authentic
Empowering
Solution oriented
Intelligent
Open-minded
Warm
Challenging
Humorous
Solution oriented

Specialties

Addiction
Coping Skills
Depression
+9
I have been a therapist for over 12 years. I understand that life presents it challenges and that my job is to help you navigate those challenges so that you can live the life you deserve. You are the expert in your life I greatly appreciate you willing to let me on this journey with you. I believe that this is your journey and i am just along to give assistance on the way.
VirtualAvailable

$100/session

Authentic
Warm
Humorous
Direct
Empowering
Open-minded
Intelligent
Solution oriented
Challenging

Specialties

Coping Skills
Mood Disorders
Trauma and PTSD
+8
Hi there! I’m Vanessa Sewell, a Licensed Professional Clinical Counselor and the owner of Boheme Holistic Clinical Services. I earned my bachelor’s degrees in Psychology and History from Western Kentucky University, and my master’s in Counseling and Human Development from Lindsey Wilson College. I’m currently working on my doctorate in Counselor Education and Supervision at Lindsey Wilson University (and yes, they did change the name!). I have spent time counseling individuals from ages 4-80 in community mental health, foster care, inpatient behavioral health, geriatric services, and school settings for the last 6+ years. I have worked in the mental health field for more than 15 years.
VirtualAvailable

New to Grow

$80/session

Specialties

Anxiety
Coping Skills
Depression
+1
I’m an easy‑to‑talk‑to, compassionate /empathetic therapist who helps adults feel grounded and reclaim the pen in their story. I support anxiety, trauma, grief, emotional eating, family stress, depression, and life transitions with clarity, steadiness, and evidenced based practical tools. I love nature and animals. I am approachable, supportive and honest offering a steady approach to help you achieve your goals.
VirtualAvailable

$120/session

Humorous
Authentic
Open-minded
Warm
Intelligent
Empowering
Direct
Holistic
Solution oriented

Specialties

Coping Skills
Depression
Serious Mental Illness
+10
My name is Michael Holmes, Jr. and I serve as a Licensed Professional Counselor. I have 7 years of experience overall in the Mental Health Field and 5 years of experience as a Mental Health Counselor. I specialize in the areas of grief, anxiety, interpersonal effectiveness, depression, trauma, mindfulness and anger. I utilize therapy approaches such as Dialectical Behavioral Therapy (DBT) where I'm certified, Cognitive Behavior Therapy, Reality Therapy, Solution Focused Therapy, Motivational Interviewing, and Acceptance and Commitment Therapy.
VirtualAvailable

New to Grow

$100/session

Specialties

Depression
Grief
Life Transitions
+2
Hello. My name is LaDonna and I am an LCSW. Welcome, I am glad you're here. Reaching out for help can be scary and I applaud you taking this first step. My goal with therapy is to provide a space where you feel comfortable being yourself, where you can talk openly, feel heard and begin to work through what has been weighing on you. I see therapy as a collaborative effort to find what works for you to feel stronger, more balanced and ultimately, more connected to what matters most to you in a world that often seems "un-connected". I have both a Bachelors and a Masters in Social Work. I have worked in the field of social work for 20 plus years. In my lifetime I have been a daughter, sister, partner, wife, mother (to both human and fur baby) and friend.
VirtualAvailable

$125/session

Authentic
Intelligent
Warm
Humorous
Solution oriented
Direct
Open-minded
Empowering
Holistic

Specialties

Addiction
Anxiety
Depression
+7
I have over 12 years of experience in behavioral health, supporting individuals in both inpatient and outpatient treatment. I work with people navigating anxiety, depression, anger, family stress, and substance use, as well as those who feel stuck or uncertain about their next steps. My approach is compassionate, collaborative, and focused on creating a safe space where clients feel heard and supported.
VirtualAvailable

New to Grow

$125/session

Specialties

Anxiety
Depression
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

New to Grow

$100/session

Specialties

Self Esteem
Trauma and PTSD
Women's Issues
+9
I’m a licensed professional counselor who works with women navigating anxiety, trauma, and self-doubt that are contributing to challenges in relationships, life transitions, parenting, or overall burnout. Many of the people I work with feel overwhelmed, disconnected, or unsure of how to move forward. If that sounds familiar, you're not alone. I see therapy as a collaborative process where we walk the path together. My goal is to offer a space that feels honest, grounding, and supportive, while also helping you gently challenge patterns that may be keeping you stuck. Together, we'll work to better understand what you've been carrying and help you feel more hopeful, steady, and connected to yourself.
VirtualAvailable

New to Grow

$125/session

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.
VirtualAvailable

$90/session

Warm
Empowering
Humorous
Authentic
Intelligent
Challenging
Direct
Solution oriented

Specialties

Anxiety
Self Esteem
Trauma and PTSD
+10
Hello- I am a Licensed Professional Clinical Counselor Supervisor in KY. After providing Pastoral Counseling to my congregants for 10 years I earned my Master’s in Profession Counseling at Grand Canyon University; I wanted to not just help others spiritually, relationally, and emotionally—- but also wanted to be able to help others with their mental hurts and habits they faced on a daily basis.
VirtualAvailable

$125/session

Authentic
Empowering
Warm
Solution oriented
Intelligent
Humorous
Direct
Open-minded
Challenging
Holistic

Specialties

Grief
Serious Mental Illness
Spirituality
+9
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.
VirtualAvailable

New to Grow

$100/session

Specialties

Anxiety
Couples Counseling
Depression
+10
Hello! I have been in the field since my first graduate degree in 1998. I have vast experience with humans suffering from all sorts of mental health needs and I also have life experiences which translate into a genuine, real understanding and desire to help others. I enjoy partnering to set goals, engage in therapeutic work, and watch the growth and healing occur. I believe that education is extremely valuable and have two other graduate degrees as well. I use my education and experience to help others live healthier, happier, more fulfilling lives.
VirtualAvailable

$100/session

Warm
Authentic
Intelligent
Solution oriented
Open-minded
Empowering
Humorous
Direct
Challenging
Solution oriented

Specialties

Serious Mental Illness
Suicidal Ideation
Trauma and PTSD
+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

$200/session

Warm
Authentic
Solution oriented
Empowering
Open-minded

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?
VirtualAvailable

$100/session

Warm
Direct
Empowering
Authentic
Intelligent
Open-Minded
Solution oriented
Humorous
Challenging
Open-minded
Solution oriented

Specialties

Anxiety
Life Transitions
Trauma and PTSD
+2
I’m a mental health professional dedicated to helping individuals navigate life's challenges and enhance their well-being. Through approaches like Cognitive Behavioral Therapy and strength-based strategies, I support clients in identifying their strengths, overcoming obstacles, and achieving their personal goals. My goal is to create a safe, collaborative space where you can explore your thoughts and feelings, fostering growth and resilience along the way.
VirtualAvailable

New to Grow

$135/session

Specialties

Anxiety
Coping Skills
Life Transitions
+10
Hello! Taking the first step to seek therapy for your current situation is a big step. I commend you on taking the first step in looking into getting therapy. My sessions are 4-8 sessions and solution focused for clients to gain practical life skills and solutions to their therapeutic need. Examples of included topics are adjustment to becoming a new parent, parenting skills, work-life balance issues, interpersonal social skills, self-esteem enhancement, and issues that can be resolved in 4-8 sessions. If you are experiencing a mental health emergency call 911 or go to your nearest ER. Should you need intensive therapy due to your specific need, local in person mental health therapy is the best fit for your counseling needs. Severe and/or frequently severe mental health needs are best served in an in person mental health therapeutic setting.
VirtualAvailable

$150/session

Warm
Solution oriented
Authentic
Direct
Open-minded
Empowering
Intelligent
Humorous
Open-Minded
Solution oriented
Challenging
Holistic

Specialties

Anxiety
Coping Skills
Couples Counseling
+10
Hello!! And, Welcome! Looking forward to meeting you!! I am a Licensed Marriage and Family Therapist. I am licensed in Kentucky, Indiana, Kansas, Maine, Utah, and Nevada. I received my Masters from Western Kentucky University, and have been practicing for 28 years. I help individuals, and couples to overcome "old programming", develop new and healing ways to see themselves and life, and utilize places of self-empowerment. Increasing one's relationship with oneself helps one to have greater relationships with others, and all other parts of life.
VirtualAvailable
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 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.

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 a specific issue?

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.

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 happens during the first therapy 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.