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 178 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: 11/2/2025

Tracy Rugg

LCSW, 4 years of experience

$100/session

Warm
Authentic
Empowering

Specialties

Anxiety
Coping Skills
Depression
+5
Hello, I'm 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 four years. I assist adults dealing with anxiety, depression and trauma with recognizing triggers/barriers to successful living and then learning to effectively reframe in order to be a better version of themselves.
Virtual
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Janel Adams

LCSW, 5 years of experience

$105/session

Warm
Authentic
Solution oriented

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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Jonathan Edwards

LPCC, 3 years of experience

Frequently rebooked

$75/session

Authentic
Solution oriented
Direct

Specialties

ADHD
Anxiety
Depression
+10
Hello, I am Jonathan Edwards, a Licensed Professional Clinical Counselor (LPCC). It is my joy to help people of all ages and backgrounds navigate mental health issues. I have experience treating a variety of disorders related to anxiety, depression, trauma, mood, and negative behaviors. Utilizing various treatment strategies from proven counseling techniques such as Cognitive Behavioral Therapy, Dialectical Behavior Therapy, and Solution-Focused Brief Therapy, I find an approach that works best for each client. I believe that a person’s sense of self develops from their experiences interacting socially and their ability to meet personal goals. I hope to guide my clients in identifying sources of negative feelings, developing better coping skills, and forming meaningful connections. Helping individuals create and achieve their goals empowers them to live more meaningfully.
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Tabitha Simpson

LCSW, 8 years of experience

$125/session

Warm
Open-minded
Challenging

Specialties

Anxiety
Depression
Women's Issues
+7
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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Kimberly DePue

LCSW, 16 years of experience

$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.
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Anita Coffey

LCSW, 16 years of experience

$100/session

Authentic
Solution oriented
Warm

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.
Virtual
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Dr. Warrick Stewart

LPCC, 16 years of experience

$175/session

Solution oriented
Intelligent
Direct

Specialties

Couples Counseling
Depression
Substance Misuse
+10
Hello, I’m Dr. Warrick Stewart. I am a Board-Certified Psychotherapist, licensed to practice in Georgia, South Carolina, Kentucky, and North Carolina. At the heart of my work is a deep compassion for people who are navigating life’s hardest seasons. I specialize in helping individuals and couples facing trauma, emotional pain, self-doubt, and the struggles that come with anger, substance use, and depression. My role is to walk alongside you, offering evidence-based approaches such as reality-based and solution-focused therapy, while always tailoring our work to meet your unique needs. In my practice, clients find a warm, nonjudgmental, and supportive environment where they are safe to be themselves. Here, you can speak your truth, confront what has been holding you back, and begin the process of healing. I am eclectic in my methods—drawing from a variety of therapeutic techniques—because I believe every person deserves an approach as unique as their story. I strive to be thorough but kind, authentic yet gentle, and always deeply respectful of the courage it takes to begin therapy. My goal is to help you process your experiences, rediscover your strengths, and move forward toward a life filled with meaning and possibility. Healing takes willingness and effort, but you don’t have to walk the journey alone. Together, we can create a path toward growth, resilience, and lasting change. Let’s get started today.
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Brittain West

LPCC, 20 years of experience

Frequently rebooked

$120/session

Open-minded
Authentic
Warm

Specialties

Anxiety
Depression
Obsessive-Compulsive (OCD)
+10
I am a skilled and empathetic 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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Regina Chanda

LCSW, 11 years of experience

$125/session

Warm
Solution oriented
Authentic

Specialties

Anxiety
Depression
Mood Disorders
+5
Hello, I am a Licensed Clinical Social Worker near Lexington, KY. I have 11 years experience and have worked in a community mental health center and in a counseling center at a small university. I consider it a privilege for clients to share their story with me and entrust me to help them get to where they want to be. I help clients engage in the change process and support them on their journey to becoming more healthy.
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Heather Kirkland

LPCC, 11 years of experience

$90/session

Warm
Empowering
Humorous

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.
Virtual
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Nikita Wordlow

LCSW, 13 years of experience

$100/session

Empowering
Warm
Authentic

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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Carey Williams

LPCC, 8 years of experience

$150/session

Warm
Authentic
Solution oriented

Specialties

Grief
Racism
Trauma and PTSD
+6
Throughout my mental health career, I have gained experience working with adolescents, adults and families with a variety of mental health diagnosis, including anxiety, ODD, physical and sexual abuse, eating disorders and more. My work with community agencies included intakes, assessments and long-term individual and/or family therapy utilizing several therapeutic modality techniques. I have gained the knowledge and clinical experience essential for working with a culturally diverse populations with varying types of mental diagnosis, as well as working effectively with a treatment team. I am able to develop working relationships and collaborate with other staff and community agencies to assist clients in meeting their treatment goals leading to autonomy. I am committed to working collaboratively with clients in deciding treatment goals.
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Erea Long

LCSW, 11 years of experience

$125/session

Warm
Authentic

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?
Virtual
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Kevin Blalock

LCSW, 5 years of experience

New to Grow

$100/session

Specialties

Child or Adolescent
Crisis Intervention
Depression
+10
Hello! My name is Kevin Blalock. I am a Licensed Clinical Social Worker in the state of Kentucky. I have worked as a Referral Clinician for an inpatient psychiatric hospital, as an Inpatient Clinical Therapist, and now an Outpatient Clinical Therapist. I have a diverse background of working with Cognitive Behavioral Therapy, Dialectical Behavioral Therapy, and Trust-Based Relational Intervention. I am a certified Juvenile Sex Offender Therapist in the state of Kentucky, and am currently under supervision to become a Registered Play Therapist. I look forward to speaking with you about your goals for therapy and how I can help!
Virtual
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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.
Virtual
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Jessica Gibo

LMFT, 5 years of experience

$125/session

Authentic
Solution oriented
Humorous

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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Lucas Stinnett

LPCC, 6 years of experience

$120/session

Authentic
Direct
Open-minded

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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Angela Mathew

LMFT, 29 years of experience

$150/session

Solution oriented
Warm
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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Kimberly Calhoun

LPCC, 12 years of experience

New to Grow

$80/session

Specialties

Addiction
Substance Misuse
Women's Issues
+2
"Healing takes courage, and we all have courage, even if we have to dig a little to find it. ~Tori Amos Healing takes courage, and I believe we all have that courage—even if we have to dig a little to find it. Over the past ten years, I’ve had the privilege of supporting individuals through addiction, depression, anxiety, and major life transitions. I understand that everyone encounters difficult moments, and sometimes the most powerful step forward begins with being truly heard. I come from a large family in eastern Kentucky and now live with my spouse, our dog, and our cat. Earning my Master’s degree later in life deepened my empathy and perspective, reminding me that growth can happen at any age. In sessions, I focus on the present moment and meet each client exactly where they are, emotionally and mentally. My approach is grounded in patience, understanding, and the belief that healing happens one step at a time. My goal is to walk alongside you as you build the life and sense of self you’ve been striving toward.
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Maureen Worden

LCSW, 3 years of experience

$150/session

Warm
Authentic
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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Amaris Blevins

LCSW, 6 years of experience

$65/session

Empowering
Authentic
Warm

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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Helena Lear

LCSW, 9 years of experience

$75/session

Warm
Authentic
Open-minded

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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Michael Holmes

LPCC, 5 years of experience

$100/session

Humorous
Authentic
Open-minded

Specialties

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

LCSW, 5 years of experience

$100/session

Authentic
Warm
Open-minded

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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Michael Starr

LCSW, 11 years of experience

$80/session

Direct
Solution oriented
Authentic

Specialties

ADHD
Anxiety
Depression
+10
My name is Michael Starr, and I am a Licensed Independent Clinical Social Worker. I believe therapy is more than just problem-solving, it’s a place to rediscover who you are, heal what’s been hidden, and move forward with clarity and strength. I work with individuals, couples, and families facing anxiety, trauma, relationship challenges, identity questions, and emotional overwhelm. My style is honest, grounded, and deeply respectful of the human experience. I use evidence-based approaches like Cognitive Behavioral Therapy and Trauma-Focused CBT, but I also hold space for what cannot always be explained, your story, your meaning, your growth. Clients often come to me feeling stuck, disconnected, or unsure of how to move forward. Together, we uncover the patterns keeping you there and build the insight, skills, and resilience to move through them. You won’t be rushed or judged. You’ll be heard, supported, and challenged when needed. You don’t have to have all the answers. You just have to be willing to start. Healing begins with one honest conversation, and I’m here to take that step with you.
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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.