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 173 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: 2/9/2026

$80/session

Solution oriented
Warm
Empowering

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
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$95/session

Solution oriented
Open-minded

Specialties

Anxiety
Family Therapy
Obsessive-Compulsive (OCD)
+10
Hi! I'm Hannah, an LCSW who has been working in community mental health for over five years and chose the mental health field after engaging in a positive therapeutic experience myself to address anxiety. I am dedicated to providing an accepting environment in which clients can explore and analyze their feelings, experiences, and behaviors in order to achieve the goals they set for themselves. I pride myself on my ability to connect with others in a wide variety of interests and help others feel more comfortable in not only opening up in sessions but also more comfortable with themselves.
VirtualAvailable
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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
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New to Grow

$90/session

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
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$90/session

Warm
Direct

Specialties

Anxiety
Depression
Grief
+4
I am a retired school counselor who began private counseling as my second career. I also have served as an educator for master's level counseling students. This has given me a lot of access to a variety of best practices. I like hearing client stories and helping them to find a better life for themselves. I like using my skills and experience to help people.
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$130/session

Warm
Authentic

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.
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$100/session

Warm
Open-minded
Authentic

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
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$75/session

Warm
Authentic
Intelligent

Specialties

Learning Disabilities
Mood Disorders
Self Esteem
+5
“Hello, I’m a Licensed Professional Clinical Counselor in Kentucky. I graduated with a master’s degree in 2004. Before completing my bachelor’s degree, I worked in fast food, retail, and banking. As an older adult, I finally achieved my dream of becoming a counselor. Since then, I have worked in community mental health, primarily counseling children and their families. I spent 10 years conducting testing and evaluations for the Office of Vocational Rehabilitation. Most recently, I have been a mental health counselor at a university, helping young adults adjust to independent living and being away from home for the first time.”
VirtualAvailable
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$90/session

Direct
Empowering

Specialties

Anxiety
Child or Adolescent
Depression
+10
Hello! I am Susan Andersen, MSW, LISW and welcome to my profile. I have been a social worker for 26+ years and enjoy working with people of all ages to help find techniques, interventions and solutions to grow emotionally and tackle barriers and navigate through the tough parts of life. I 100% believe that this is a team approach to treatment and the work done in the therapeutic environment is directed by the individual.
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New to Grow

$120/session

Empowering
Open-minded

Specialties

Anxiety
Couples Counseling
Self Esteem
+6
Throughout my life I have had many mentors and supports who have helped me grow as a person and as a therapist. The enjoyment of being part of helping people find a life that is fulfilling motivates me even after almost 30 years to do this work. I became a Licensed Marriage and Family Therapist because it was an approach that was strength based and free from the blame that in some way we are broken. I have learned that many things impact the choices and decisions we make and instead of focusing on what is wrong the better thing to do is find out what an individual or couple's strengths are and take those, build upon them so that the person/ couple can heal old wounds and find a better way of living. That does not mean ignoring problems, it means healing so that you can better solve your problems.
VirtualAvailable
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Often rebooked

$100/session

Warm
Authentic
Empowering

Specialties

ADHD
Autism
Depression
+9
I’m a mental health professional dedicated to helping individuals navigate life’s challenges with compassion, clarity, and evidence-based care. Whether you're facing anxiety, depression, trauma, relationship issues, or simply seeking personal growth, my goal is to create a safe, nonjudgmental space where you feel heard, understood, and empowered. My approach is collaborative and tailored to your unique needs. I draw from modalities such as CBT, DBT, Play Therapy techniques, Solution Focused, ERP, and mindfulness to name a few. I am guided by the belief that healing is possible and that every person deserves to live a life of meaning and connection. Clients often describe me as warm, insightful, and present. I believe therapy is not just about solving problems—it’s about discovering your strengths, rewriting old narratives, and building a life that feels authentic and fulfilling. If you’re ready to take the next step, I’m here to walk alongside you.
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$125/session

Warm
Direct

Specialties

Grief
Life Transitions
Older Adults
+10
Hello, I am Dr. Marilyn L. Sails, the owner and licensed practitioner with Comfort Care Counseling with Dr. Sails. I am a Licensed Clinical Social Worker with over a decade of experience supporting older adults and families through life’s most tender transitions. I hold both a Doctorate in Social Work (DSW) and a Masters in Social Work (MSW) from the University of Kentucky. I have dedicated my career to helping patients navigate grief, trauma, chronic illness, and end-of-life concerns with dignity and compassion. My practice, Comfort Care Counseling, is rooted in Christian faith and designed especially for adults 50 and older. Whether we meet in my office, via telehealth or in the comfort of your home, you’ll find a safe, supportive space where emotional healing and spiritual restoration go hand in hand.
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$85/session

Authentic
Challenging
Solution oriented

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
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Often rebooked

$90/session

Authentic
Warm
Empowering

Specialties

Addiction
Anxiety
Women's Issues
+5
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.
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$130/session

Holistic
Warm

Specialties

LGBTQ
Sexual Abuse
Trauma and PTSD
+9
My passion is creating a safe, open, and non-judgmental space where you feel seen, heard, understood, and ready to explore life's challenges. I combine my clinical experiences with a genuine, compassionate relational style to help you uncover your inner strength and move towards deeper self-awareness, healing, and empowerment. I currently hold licenses as a LPC-s in Virginia and a LPCC in Kentucky. have been working in the mental health field since 2008 and I specialize in helping clients navigate and heal from trauma. I also help and encourage clients to strive to be more connected with and congruent to self: mind, body, and emotions.
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$125/session

Warm
Authentic
Empowering

Specialties

Anxiety
Coping Skills
Depression
+9
Welcome! I am a warm, non-judgemental and real person. One of my basic tenants is we, as people, are doing the best we can, and sometimes our conscious or subconscious "plan" to take care of ourselves is just not working anymore. Sometimes we need to develop a new “plan” but that can be difficult and we need help. The relationship with ourselves, family, friends and our community is a pillar to good health and well being. However things get in the way….like trauma, substance use, addiction, depression, anxiety, loneliness, illness, & fear. I want to support your concerns and help you improve your sense of wellbeing.
VirtualAvailable
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$90/session

Warm
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.
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$70/session

Warm
Authentic
Open-minded

Specialties

Anxiety
Grief
Military/Veterans
+8
I am career Clinical Psychotherapist devoted to aiding individuals, couples, adults. teens, families, and veterans suffering emotional stress and mental health issues. My priorities focus on persons experiencing anxiety, mood disorders, relationship and communication problems, grief and trauma recovery. I am committed to illustrating how the vital quality of resilience can be acquired through learned coping skills and accurate self=perception. Activating improvement plans, achieving goals, and building confidence are the center of my person-centered counseling.
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$150/session

Open-minded
Authentic
Empowering

Specialties

Anxiety
Depression
Anger Management
+1
As a seasoned therapist, my experience includes a broad spectrum of mental health issues. I have a network of physicians, mental health providers, and spiritual advisors whose counsel I seek to help provide the best care for my clients. It is my goal to lead clients to ask the right questions and help them find answers that will result in a positive, forward movement in the therapeutic process. My primary focus is Cognitive Behavioral Therapy, but I use other modalities when necessary to help clients achieve the change they are seeking. My practice includes marriage and family counseling, depression, anxiety, bipolar disorder, aging concerns, workplace challenges, mediation, and faith-based counseling upon request. I welcome clients from all backgrounds and issues, helping them develop coping skills and move forward positively. I collaborate with a network of professionals to provide the best care. If I or the client feels I am not the right fit, I will help find someone better suited, without it affecting my self-esteem.
VirtualAvailable
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Often rebooked

$100/session

Warm
Empowering

Specialties

Addiction
Anxiety
Depression
+7
As a Licensed Professional Clinical Counselor with over 20 years of experience specializing in substance use disorder treatment, I provide a unique understanding to the disease of addiction, anxiety, depression and other underlying conditions. I use a blend of cognitive-behavioral therapy, motivational interviewing, and faith based treatment. I am person of deep faith who loves his wife and 2 children. Family means a great deal to me and has been a wonderful support system to me along my life journey. I would love to help individuals find the support they need to assist them along their own personal journeys of life.
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$135/session

Authentic
Empowering

Specialties

Grief
LGBTQ
Sexual Abuse
+10
Hello, I am Joe Kephart, LCSW, a licensed clinical social worker based in Lexington, Kentucky. I bring over 20 years of leadership experience and a strong background in mental health, social work, and supportive care. I’ve worked in private practice and healthcare settings, providing psychosocial assessments, treatment planning, and integrated care. I specialize in working with: Restaurant and Hospitality Workers, from executives to hourly employee, struggling with burnout, addiction, anxiety/stress, or work-life imbalance, Grief & Loss – including divorce, illness, and non-death losses, LGBTQ+ Clients – affirming, inclusive, and identity-supportive therapy, and Adult Survivors of Childhood Sexual Abuse & Trauma. I earned my Master of Social Work from the University of Kentucky, and I’m passionate about helping people navigate life’s challenges with compassion, collaboration, and practical support. Everyone deserves to be seen, heard, and supported — especially in the moments when life feels overwhelming, complicated, or painful. I specialize in helping adults navigate grief, addiction, trauma, and identity with compassion and clarity. My practice is grounded in creating a safe, judgment-free space where you can explore difficult emotions, reclaim your voice, and begin to heal. I blend evidence-based practices such as trauma-informed CBT, mindfulness, and narrative therapy with a relational, person-centered approach. You’ll find me warm, honest, and direct — someone who will walk alongside you with both empathy and accountability. Healing is hard work, but you don’t have to do it alone. If you’re ready to begin or continue your journey, I’m here to help.
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$90/session

Specialties

Addiction
Anxiety
Depression
+10
Life isn’t meant to be just about survival—you deserve more than just getting by. I’m here to help you discover a brighter, more fulfilling future where you can truly thrive. My name is Lauren, and I’m a Licensed Clinical Social Worker (LCSW) based in Lexington, Kentucky. With over 11 years of experience in social work and 4 years of experience as a mental health clinician, I’ve worked with individuals facing some of life’s toughest challenges. Using approaches like CBT, DBT, Solution-Focused Therapy, Psychodynamic Therapy, Acceptance and Commitment Therapy, and Mindfulness, I tailor therapy to meet your unique needs and goals. My number one priority is creating a safe, compassionate space where you feel seen, heard, and supported. I know how overwhelming life’s challenges can feel, and I believe that no one should have to face them alone. Therapy is a space where we can face the hard things together, build trust, and work toward healing. Safety and understanding are the foundation of our work because without them, true growth isn’t possible.
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$120/session

Authentic
Open-minded
Empowering

Specialties

Addiction
Anxiety
Depression
+17
Life isn’t always sunshine and rainbows; it can be filled with challenges, difficulties, and hardships. I believe that life is all about perspective and the way we react to problems. Our trials and tribulations are opportunities for us to grow into stronger and wiser individuals. When challenges arise, most people ask, "Why?" I encourage my clients to change their mentality by asking, "How?"—how can I use this to grow and learn, make myself smarter and wiser?" I am a firm believer in empowering clients with the tools and knowledge needed to live a more fulfilling and productive life. With 8 years of sobriety and personal experience battling my own challenges, I know how helpful therapy can be in helping a person rebuild their life and become the person they want to be.
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$110/session

Authentic
Warm
Intelligent

Specialties

Addiction
Anxiety
Depression
+9
After 30+ years in executive roles at leading hospitals and health systems—including Kaiser Permanente, Mount Sinai, and Northwestern Memorial—I’m thrilled to launch my private therapy practice. My career has always focused on helping people thrive, whether by supporting families and or individuals during tough times or developing talent. I grew up in Chicago’s Rogers Park, shaped by its culture and my father’s resilience as a Holocaust survivor. His stories taught me empathy and strength—values I bring to every client interaction. I hold an MSW from Loyola University, am licensed in AZ, FL, IL, KY, NM, and WV, and earned an MBA from North Park University plus an executive management certification from USC. Life has taken me across the U.S. and abroad, enriching my perspective. Outside work, I love traveling, hiking, reading, and exploring art. Married for 40+ years, I live in New Mexico with my British wife and our Yorkie, Kugel. My philosophy: positivity, confidence, and persistence—never give up on yourself.
VirtualAvailable
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$100/session

Solution oriented
Authentic

Specialties

Anxiety
Anger Management
Coping Skills
+8
The journey of life can bumpy, confusing, frustrating, and unpredictable. Hello, I'm Dr. Suzann O'Koon, a licensed psychologist with 30 years of experience. I'm a mother and grandmother, who, at mid-life, returned to graduate school to pursue my the next step on my life journey. I had been an elementary school teacher, a community volunteer, and then a stay-at-home mom. I am sharing this with you because transitions and change can be difficult at times, and I've been there: done that!.
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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.