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 160 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: 3/10/2026

$90/session

Empowering
Authentic
Intelligent

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
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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

$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
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$70/session

Solution oriented
Authentic

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.
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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.
VirtualAvailable
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$100/session

Authentic

Specialties

Anxiety
Couples Counseling
Family Conflict
+9
Hello! I am Samiyra a LCSW in the state of Kentucky. I received my education from the University of Kentucky where I completed my BSW and MSW. I enjoy partnering with my clients to take the difficulties of life and encouraging them to see the strength embedded inside of them. I understand that trying therapy for the first time can be scary or overwhelming. A warm and comforting provider can make any experience easier which is what I aim to do for my clients. I have experience working with couples, those struggling with addictions, trauma, anxiety, depression, suicidal thought, PTSD etc.
VirtualAvailable
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$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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$170/session

Authentic
Solution oriented

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
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$125/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 13 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.
VirtualAvailable
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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
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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.
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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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$100/session

Authentic
Empowering

Specialties

Career Counseling
Coping Skills
Self Esteem
+10
Hello, I'm a Licensed Clinical Social Worker. I received my Master Degree of Social Work from the University of Louisville over 20 years ago. I've worked with various different backgrounds, and populations. I look forward to meeting you and working together to find ways to assist with breaking down barriers. I enjoy assisting others in finding positive ways to cope with life challenges.
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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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$100/session

Authentic
Open-minded
Warm

Specialties

Anxiety
LGBTQ
Trauma and PTSD
+5
Hi I'm Leo I'm a non binary transgender man. I have my master’s degree in social work from the University of Louisville and I'm a Licensed Clinical Social worker in Indiana and Kentucky. My professional background has been working with the University of Louisville as a therapist at the Trager Institute Optimal Aging Clinic. While working at University of Louisville Trager Institute, I gained experience in treatment areas such as conversion disorders/PNES, PTSD/Trauma, anxiety, depression, grief, transgender issues, gender dysphoria and LGBTQ+ issues.
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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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New to Grow

$140/session

Specialties

Anxiety
Men's Issues
Trauma and PTSD
+10
Hi, I’m John, a licensed therapist who helps people move from feeling overwhelmed and reactive to feeling more steady, confident, and in control. I specialize in anxiety, emotional regulation, trauma, and relationship stress, using practical, evidence-based approaches like DBT, CBT, and parts work. My goal is to provide a space that feels both supportive and genuinely useful for your day-to-day life.
VirtualAvailable
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New to Grow

$100/session

Specialties

Self Esteem
Trauma and PTSD
Women's Issues
+9
I’m a licensed professional counselor who works with adults navigating anxiety, trauma, and self-doubt. Many clients come to me when they want support that feels honest and grounding - someone who can challenge them while still feeling safe and understood. I see therapy as us walking the path together, helping you feel less alone and hopeful as we make sense of what you’ve been carrying.
VirtualAvailable
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$85/session

Solution oriented
Authentic

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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New to Grow

$125/session

Specialties

Couples Counseling
Depression
Family Therapy
+3
Hello, my name is Ginger Van Meter. I look at each individual as an iceberg! There's a tiny piece of ice you can see on the surface but down below and much deeper is a giant piece of ice that no one can see. That giant piece of ice represents all the stressors, emotional and mental health concerns that go back many years. Sometimes childhood trauma or even current events can create problems that we just can't seem to solve. I will help you to break that ice down and possibly even melt the ice. I always strive to do the best I can do to provide relief and comfort and help life become more manageable.
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$60/session

Specialties

Domestic Violence
LGBTQ
Trauma and PTSD
+6
Hi there, I'm a therapist who is part of the LGBTQ+ community. I strive to make the work I do a safe and caring space for my clients. I have work the past 5 years in private practice/addiction facilities. I am a License Professional Clinical Counselor and I have worked with individuals struggling with symptoms of ADHD, Autism, depression, anxiety, Disassociative Identiy Disorder, PTSD, and identity concerns.
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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.
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$100/session

Warm
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.
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$80/session

Warm
Authentic
Open-minded

Specialties

ADHD
Anxiety
Depression
+9
Losses, social isolation, family tension, work fatigue, health issues, and uncertainty have created an imbalance in our lives, consequently decreasing our overall well-being. We are all striving to grow the life we desire. I help individuals flourish through integrative, evidence-based therapy while providing a structure of accountability for in-between-session work. I've been a Licensed Professional Clinical Counselor (LPCC) since 2008, was initially licensed as an LPCA in 2004, and am currently a Certified Integrative Mental Health Professional (CIMHP). I have worked with individuals experiencing depression, anxiety, ADHD, Autism, substance use, trauma, and relationship conflicts. I genuinely enjoy empowering individuals to grow. Together, we can develop a toolbox of resources to help you become more resilient.
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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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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.