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 171 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: 11/30/2025

Tabitha Simpson

LCSW, 8 years of experience

$125/session

Warm
Open-minded
Empowering

Specialties

Anxiety
Depression
Women's Issues
+10
Hi there! I’m Dr. Tabitha Simpson, a Licensed Clinical Social Worker who believes therapy should feel like a safe and supportive conversation. I’ve worked in a variety of mental health settings and enjoy using an integrated care approach that looks at the whole person—mind, body, and environment. I’m especially passionate about maternal mental health, particularly in rural areas where support can be hard to find. My goal is to help women navigate the ups and downs of pregnancy, postpartum life, and all the transitions that come with motherhood. I’ve had the privilege of working with clients of all ages, from providing play therapy for children to supporting adults through life’s challenges. My approach is warm, down-to-earth, and collaborative—I want you to feel comfortable, understood, and empowered every step of the way.
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Hannah Johnson

LCSW, 3 years of experience

New to Grow

$95/session

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.
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Youlonda C. Mason

LCSW, 5 years of experience

$120/session

Authentic
Warm
Empowering

Specialties

Addiction
Anxiety
Trauma and PTSD
+8
I am a licensed clinical social worker in Kentucky. My passion is creating a safe and sacred space for my clients to do their work by processing and talking through the issues that they prioritize. I have experience with clients who are struggling with anxiety, depression, abuse, stress, grief and loss, and low self-esteem. I specialize in working with adults who are interested in maximizing their lives and their potential. I value clients and pride myself on treating them all with the utmost care in a judgment-free space. I have worked with diverse populations of people and I am trained in cultural diversity. I utilize proven theories like cognitive behavioral therapy to help clients to analyze their thought processes and core beliefs to determine how those thoughts and beliefs contribute to their outcomes. My ultimate goal is to walk with my clients and help them focus on their priorities and find solutions that will empower them to soar in every area of their lives.
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Jessica Gibo

LMFT, 5 years of experience

$125/session

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.
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Anita Coffey

LCSW, 16 years of experience

$100/session

Warm
Intelligent

Specialties

Anxiety
Coping Skills
Depression
+10
Hi, i am a Licensed Clinical Social Worker in the state of Kentucky. I received my Master's of Social Work degree from the University of Louisville. I have been practicing for 16 years. I help people identify barriers in thinking and obstacles in their lives that keep them from thriving and then help them build self efficacy and solutions to their problems.
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Erea Long

LCSW, 11 years of experience

$125/session

Specialties

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

LPCC, 20 years of experience

$120/session

Open-minded
Direct

Specialties

Anxiety
Depression
Obsessive-Compulsive (OCD)
+10
I am a skilled and empathetic counselor with over 18 years of experience. I work with a wide variety of clients from the very young to the very experienced. My clients are people who have been struggling, often through many failed attempts, to get their life back on the path they want. I help my clients find their own, unique way to overcome the challenges they are facing be it depression, anxiety, relationship issues, or unexpected changes in life circumstances. I help my clients find their footing and forge their own path towards the future they choose.
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Janel Adams

LCSW, 5 years of experience

Frequently rebooked

$105/session

Specialties

Anxiety
Self Esteem
Trauma and PTSD
+9
Hi, I’m Janel and my goal as a therapist is to create a space where you can exhale, drop the act, and just be you - messy parts and all. My clients often describe sessions with me as feeling a little like being at home: safe, comfortable, and sometimes even sprinkled with a laugh or two (because healing doesn’t have to be heavy 100% of the time). I work best with people who are tired of chasing perfection, struggling with codependency, or constantly seeking validation from others while quietly questioning their own worth. If you feel like you’re never “enough” no matter what you do, you’re not alone and you don’t have to stay stuck in that cycle. With over a decade of experience, including work with trauma survivors, I bring both compassion and honesty into the therapy room. My approach is about helping you untangle the weight of old patterns so you can start showing up authentically, without judgment, and begin to see your own value.
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Lucas Stinnett

LPCC, 6 years of experience

$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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Shawn Brammer

LPCC, 25 years of experience

New to Grow

$100/session

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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Dr. Marilyn Sails

LCSW, 10 years of experience

$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 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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Angela Mathew

LMFT, 29 years of experience

$150/session

Warm
Open-minded
Authentic

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.
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Shelly Mark Lewin

LCSW, 30 years of experience

Frequently rebooked

$90/session

Authentic
Warm
Intelligent

Specialties

Anxiety
Chronic Illness
Depression
+9
My name is Shelly Mark Lewin, and I am deeply honored to be joining the team of therapists at Grow Therapy. I am a Licensed Clinical Social Worker (LCSW) with over 30 years of experience working with individuals, groups, and families in a variety of settings including private practice, outpatient mental health clinics, hospitals, healthcare systems, hospice care, and private organizations. My work is informed by my own personal life experience with mental health challenges and my goal is always to provide you with support and guidance during difficult times and on your healing journey. My professional career includes clinical positions in renown healthcare organizations including Northwestern Memorial Hospital and Joint Commission in Chicago, Kaiser Permanente in California and Mount Sinai Health System In New York City. I have extensive experience working with multi-cultural and diverse populations providing individual and group therapy, case management and crisis intervention.
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Greg Maynard

LCSW, 10 years of experience

$125/session

Authentic
Humorous

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.
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Amaris Blevins

LCSW, 6 years of experience

$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.
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Maureen Worden

LCSW, 3 years of experience

$100/session

Warm
Empowering

Specialties

ADHD
Autism
Depression
+5
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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Alicia Owens

LPCC, 26 years of experience

$120/session

Warm
Solution oriented

Specialties

Anxiety
Coping Skills
Depression
+2
Hi there, I'm Alicia. Do you feel the pressure and stress of daily responsibilities?Having trouble balancing work, school, kids, bills, finances, relationships, parents, health, and time? Are you feeling overwhelmed, depressed, and anxious? Do you find it difficult to cope? Are you finding it hard to be kind to yourself? I help the tired and frazzled learn to relax and find balance and peace in their lives. Together, we can work on finding balance, relaxation and inner peace in your life. Whether you are overwhelmed and dealing with difficult relationships, work burnout, cycling depression and anxiety, I am here for you! Beginning therapy can feel scary, but you are making the right choice. You deserve to be happy, to heal and to grow in a safe space. I will meet you with compassion, humor, and evidence-based techniques so you can overcome the challenges in your life. Let's start your journey together!
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John Warner

LCSW, 25 years of experience

$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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Megan Beebe

LCSW, 3 years of experience

New to Grow

$85/session

Specialties

Addiction
Anxiety
Coping Skills
My passion is assisting individuals in finding their path forward, and defining that on their terms. Over the years, I’ve had the privilege of working with diverse individuals, each with their unique stories, which has further deepened my understanding of the importance of creating a safe, non-judgmental space for growth. I look forward to working with you and helping you take the next step toward achieving a specific goal. Progress > Perfection.
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Helena Lear

LCSW, 9 years of experience

$75/session

Open-minded
Empowering

Specialties

Anxiety
Depression
Trauma and PTSD
+8
Hi, I'm Helena (Hell-in-uh)! I am a Licensed Clinical Social Worker with almost 10 years of experience! I like to emphasize that at the heart of my practice, I am a Social Worker and I approach my work from that perspective. I acknowledge that there are barriers we all experience to living our best lives and that certain people experience more and worse barriers because of who they are. My work is most rewarding when I get to help folks level the playing field by accessing the support, validation and compassion they need.
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Ayse Darnell

LPCC, 10 years of experience

$100/session

Open-minded
Authentic
Empowering

Specialties

Anxiety
Autism
Trauma and PTSD
+6
Do you always seem to be struggling on the fringes or even have intense trauma, anxiety, or depression? Are you from a minority population, or a marginalized group? You deserve to have a space of healing and complete acceptance to further explore, grow, and understand yourself. It is my goal as a provider to work on what YOU want to work on during your journey of growth and healing. You are your own expert, I'm just here to keep us on the path. I am a Half-Turkish LPCC-S who specializes in EMDR, cultural diversity, anxiety, depression, LGBTQIA+ concerns, alternative lifestyles, and neurodivergent populations. I am intensely passionate about meeting clients where they are and working on goals collaboratively with clients and any supports in their lives with whatever method that works the best for them. Starting therapy no matter how many times you may have tried before, can be frightening but I am here to help make this process go smoothly! Let us work together and see where your life can go, and how it can change!
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Megan Meeks

LCSW, 6 years of experience

$120/session

Authentic
Solution oriented
Open-minded

Specialties

Addiction
LGBTQ
Trauma and PTSD
Hello! Are you having trouble finding balance in life? Do you find it difficult to make your actions and intentions align? Are you struggling to connect to people in meaningful ways? I help people find more calm, peace and headspace in life. I will always meet you right where you are. As our starting point, we will identify what is keeping you from being the best version of yourself. I am passionate about integrating mindfulness, yoga and education about our nervous system to develop a stronger relationship with yourself. Whether you’re dealing with overwhelm, relationship issues, a traumatic past, increased substance use, or cycles of anxiety and depression, I’m here to help. I offer a non-judgmental space, using evidence-based treatments where you may heal and grow.
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Joy Messer

LPCC, 9 years of experience

New to Grow

$90/session

Specialties

Addiction
Anxiety
Mood Disorders
+8
Hello, I’m Joy Messer, a Licensed Professional Clinical Counselor dedicated to helping children, teens, and adults navigate life’s challenges with compassion and practical support. I use evidence-based approaches like Cognitive Behavioral Therapy (CBT), Motivational Interviewing (MI), and Play Therapy to help clients build insight, resilience, and healthier coping skills. My goal is to create a safe and welcoming space where clients can explore their emotions, heal from past experiences, and move toward personal growth and emotional well-being.
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Heather Kirkland

LPCC, 11 years of experience

$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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Eric Gross

LPCC, 23 years of experience

$125/session

Solution oriented
Open-minded
Authentic

Specialties

Anxiety
Men's Issues
Trauma and PTSD
+9
Hi! I'm a Licensed Professional Counsellor (LPC) based in Kentucky. I received my Masters from the Bellevue University and received a certificate in advanced graduate studies from Salve Regina University in Holistic Counseling and have been practicing for 16 years. I specialized in helping young adults and men with life issues and transitions as well as teens through adulthood with anxiety, depression, and trauma issues.
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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 the state. 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.

What are the "Clients say I’m" badges?

Grow Therapy asks patients about their experience with therapists after they have had a certain number of sessions. After enough responses, we add those characteristics to their profiles to help you find the best online therapists for you. We're still working on collecting this information from all our therapists.

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 to expect during your first 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.