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 170 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: 4/7/2026

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

$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

$100/session

Solution oriented
Empowering
Warm

Specialties

Anxiety
Depression
Trauma and PTSD
+6
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

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

New to Grow

$150/session

Specialties

ADHD
Anxiety
Career Counseling
+10
My name is Feryal (pronounced Fur-yal) Katsikas (pronounced Cat-see-kus) M.A. LPCC. I have been practicing mental health counseling for the past 7 years. Prior to working in mental health, I have years of experience in travel and make-up artistry. I've always known that I wanted to help others. I'm fascinated by the human mind and how our experiences shape who we are today. I believe we have the power to choose our authentic selves, regardless of background, and that music, movement, and nutrition contribute to better mental health.
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

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

$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

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

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

$125/session

Authentic
Warm

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

$120/session

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

Specialties

Anxiety
Child or Adolescent
School Issues
+2
Hi there, I'm Leanda! I am a Licensed Clinical Social Worker and Licensed School Social Worker. I obtained my masters of social worker in 2018, and have a bachelor's in Psychology. I have been in the adoption and foster care field for over 9 years, with 3 years in a school setting working with teenagers. I have training in Theraplay, Trust Based Relational Intervention (TBRI), Dialectical Behavioral Therapy, Trauma-Focused Cognitive Behavioral Therapy, and Motivational Interviewing. I offer faith-based counseling with a variety of services in person near Noblesville, or online (in the state of Indiana) through this virtual platform. My therapeutic focus is in adoption, foster care, attachment, school-related issues and the "in-between young adult" dealing with depression or anxiety. Whether you're dealing with adoption, attachment, school, college, career, or cycles of anxiety and depression, I'm here to help! Seeking therapy can feel scary but you're making the right choice. You deserve a safe space to heal and grow. In our sessions together, I'll meet you with compassion and evidence-based techniques so you can overcome the hangups and habits holding you back. Let's work together!
VirtualAvailable

Often rebooked

$130/session

Authentic
Warm
Empowering
Open-minded
Solution oriented
Direct
Humorous
Intelligent

Specialties

Anxiety
Depression
Trauma and PTSD
Brenda Hodges, M.A., M.S., is a licensed mental health professional with over 14 years of dedicated experience in therapeutic counseling. Holding dual master's degrees in Psychology and Rehabilitation Counseling, she brings a comprehensive approach to mental wellness, serving clients across Kentucky and Florida. Known for her warm, approachable demeanor, Brenda specializes in treating individuals struggling with depression, anxiety, post-traumatic stress disorder (PTSD), and survivors of violence and abuse. Her therapeutic style creates a safe, non-judgmental environment where clients can explore their challenges and work toward healing. Throughout her career, Brenda has helped individuals reclaim their lives and develop resilience in the face of trauma. Her dual licensure in Kentucky and Florida reflects her commitment to expanding access to quality mental health care across multiple communities. Brenda views her role as more than just a profession—it's a calling. She considers it both an honor and a privilege to guide clients through their healing journeys, drawing on her extensive education and experience to provide personalized, evidence-based support for each individual she serves.
VirtualAvailable

$100/session

Empowering
Solution oriented

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

$100/session

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

Specialties

Anxiety
Coping Skills
Depression
+5
Hello. I am a follower of Jesus Christ, and I'm also a Licensed Clinical Social Worker based in Illinois. I have worked in the field of Social Work for 25 years at the Bachelor's level, including case management for at-risk youth, CPS investigations and medical social work. I received my Master's of Science in Social Work from the University of Louisville and have been practicing five years. At this time, I provide individual therapy to adults dealing with anxiety, depression and trauma among other issues. We work to recognize triggers/barriers to successful living and then learn to effectively reframe these in order to be a better version of yourself.
VirtualAvailable

$90/session

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

Specialties

Anxiety
Trauma and PTSD
Women's Issues
+4
Hello! I am a Licensed Professional Clinical Counselor in the state of Kentucky. I attended Northern Kentucky University for my degree in Psychology and attended the University of Cincinnati for my Master's degree in Mental Health Counseling. I have worked for the last 20 years in the mental health and addictions field. I work specifically with women to address areas and types of anxiety, trauma, depression, and addiction to empower them to make their lives more manageable.
VirtualAvailable

New to Grow

$155/session

Specialties

Anxiety
Life Transitions
Parenting
+4
I’m Joyce D. Scherdin, a Licensed Marriage and Family Therapist with over a decade of experience working with adults navigating anxiety, stress, life transitions, and emotional patterns that feel hard to shift. I help clients who feel overwhelmed or stuck find greater steadiness and clarity. My approach is supportive, structured, and practical — we focus on understanding what’s driving the stress while building tools you can use in everyday life. If you’re ready for honest guidance, emotional safety, and meaningful progress, we may be a good fit.
VirtualAvailable

$110/session

Specialties

ADHD
Autism
Trauma and PTSD
Hello, I'm Timara. I have been a person in long-term recovery since 2010, and I have found my purpose in providing a safe space for others. My approach to therapy is rooted in radical acceptance and non-judgment, offering LGBTQ+ friendly and Neurodivergent-affirming care. Some of my passions are working with people with Autism, religious/cult trauma and ADHD. I am Poly and kink friendly and have experience with ENM. Using a gentle yet direct approach, I work collaboratively with you to empower yourself to make positive changes in your life. Whether you're struggling with relationships, communication issues, anxiety, depression, trauma, emotional regulation issues, or trouble managing stress, I'm here to help. Together, we will identify barriers and find the tools you need to successfully progress towards living a more rewarding life. My therapeutic approach is trauma-informed and person-centered, meeting you wherever you are on your life's journey. I have spent the last 8 years specializing in substance use disorders and mental health, working in both inpatient and outpatient settings. I graduated from the University of Louisville with my Master of Science in Social Work (MSSW) in 2020. I am a Licensed Clinical Social Worker in Kentucky and Indiana, and a Licensed Alcohol and Drug Counselor in Kentucky. If you're ready to take the next step towards a healthier, more fulfilling life, I would be honored to support you on your journey. Let's work together to create the positive changes you seek.
VirtualAvailable

$125/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

New to Grow

$140/session

Specialties

ADHD
Coping Skills
Spirituality
+10
Hello! I am excited to help you get started on your therapy goals! Amazon employees, check with your benefits department about getting six free talk therapy sessions through Grow Therapy. Don't delay, book an appointment with me on my flexible schedule to start your journey toward better mental health. I offer 4-8 sessions that are solution focused for clients to gain practical life skills and solutions to their therapeutic need. Some examples of therapeutic need my clients and I work on are as follows: -Mild anxiety and depression -Emotional regulation -ADHD behavioral therapy management -Problem solving skills -Adjustment to being a new parent -Parenting skills such as behavioral modification strategies for daily routines -Work-life balance issues -Interpersonal social skills such as communication skills and assertiveness skills -Boundary setting -Career goal setting -Making positive behavioral changes -Implementing healthy lifestyle habits -Developing healthy self-care routines including prioritizing prayer and Bible study habits -Time management -Identifying feelings -Identifying and reducing negative self-talk. -Life situational transitions -Caring for elderly parents -Adding a new pet to the family -Effectively navigating self-care in a toxic workplace environment 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. Clients needing intense therapy, court ordered therapy, therapy dealing with legal related issues of any kind, or custody involved therapy are best served by local in person mental health providers and resources.
VirtualAvailable

$150/session

Authentic
Warm
Humorous
Empowering
Open-minded
Solution oriented
Direct
Intelligent

Specialties

Anxiety
Depression
Women's Issues
+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.
VirtualAvailable

New to Grow

$90/session

Specialties

Anxiety
Bipolar Disorder
Depression
+8
I am a Licensed Clinical Social Worker; I have been working in the field of social work for 20 years. Since beginning my career, I have had the privilege of having many different experiences which has helped give me the working knowledge to provide great service and meet my client's needs. In the last three years my focus has been on group therapy and individual therapy for adults. My current focus is individual therapy , it has been the greatest gift to be allowed to hear the stories and be given the opportunity to help guide my clients through this journey to wellness.
VirtualAvailable

New to Grow

$150/session

Specialties

Child or Adolescent
Parenting
ADHD
+9
As a parent, you may notice the growing complexity of raising teens in a world that never slows down. Normal adolescent development already brings its own demands. Add increasing academic pressure, social stress, and digital exposure, and some teens begin to struggle with anxiety, emotional reactivity, mood problems, trauma, and harmful coping behaviors. It can be hard to know what's typical, what's escalating, and what to do next. Using a flexible approach, I help families make sense of what to accept, support, and nurture, and what needs thoughtful intervention. I work to help young people build insight and learn regulation and coping skills while helping caregivers respond with confidence, clarity, and skills to support lasting change.
VirtualAvailable

$85/session

Solution oriented
Authentic
Empowering
Intelligent
Warm
Open-minded
Challenging
Direct

Specialties

Addiction
Crisis Intervention
Serious Mental Illness
+4
Welcome to GrowTherapy I'm John Warner and I'm looking forward to working with you. I'd like you to acknowledge this step that you have taken to reach out. It takes motivation, insight, and courage to seek changes in your life. I am a Licensed Clinical Social Worker based in Louisville, Kentucky and I specialize in working with people who are either struggling with Substance Abuse or Mental Health issues, or who are trying to support a Loved One who is struggling with these issues, and feels overwhelmed by the circumstances. I provide a safe and supportive environment for you to explore the issues that are concerning you now. I believe that you are the expert on the things that do and don't work in your life but when life becomes overwhelming, we can sometimes lose sight of these skills and knowledge. I have found that many people often underestimate how much they know about themselves and others, and underestimate the strength that they posess to cope with and overcome the struggles that they experience. much more about themselves than they give themselves credit for, and I see part of my role as helping you unlock this knowledge and apply it in your life in ways that work best for you. While there may be times that you feel like you are not making progress, you will find that you are making more progress than you realize. We sometimes have more difficulty seeing the progress and positive qualities than we do in others. I will help guide you to see the strength and goodness that you possess and help you to see that the overall arc of our lives bends towards improvement
VirtualAvailable

New to Grow

$100/session

Specialties

Anxiety
Bipolar Disorder
Trauma and PTSD
+10
I’m a therapist who keeps things real and meets people where they’re at. I work with adults dealing with trauma, stress, and life transitions, and my goal is to create a space where you can just be yourself without feeling judged. I use a mix of approaches depending on what actually works for you—including EMDR or TF-CBT for trauma and an integrative mental health approach that looks at the whole picture, not just symptoms. That can mean talking through things, building practical coping skills, or exploring how your mind and body are connected. I’m supportive, but also honest and direct when it matters. Therapy with me is a collaborative process—we figure things out together. My goal is to help you make sense of what you’ve been through, feel more grounded, and start moving forward in a way that actually feels meaningful to you.
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.