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: 2/22/2026

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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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$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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$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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$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.
VirtualAvailable
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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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$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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Often rebooked

$100/session

Warm
Open-minded

Specialties

Coping Skills
Grief
Trauma and PTSD
+6
Hello! I am a Licensed Clinical Social Worker with experience providing care to a wide range of clients, but my focus has been working with people finding their way through grief and loss. While grief is a universally human experience, most of us don't talk or share much about it, much less how to live through it. No one is meant to grieve alone, and it is my privilege to join others on this path.
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
VirtualAvailable
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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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Often rebooked

$75/session

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.
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 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.
VirtualAvailable
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$135/session

Authentic
Warm
Humorous

Specialties

Anxiety
Coping Skills
Depression
+9
My name is Faith, and I am passionate about helping people find hope, healing, and balance in the midst of life’s challenges. I work with individuals who are struggling with stress, anxiety, depression, mood difficulties, and low self-esteem, and I believe therapy is not just about managing symptoms—it’s also about discovering your strengths, building resilience, and creating meaningful change. As a therapist, I bring warmth, compassion, and practical guidance into each session. I am committed to creating a safe, supportive, and nonjudgmental space where you can be fully yourself. My role is to walk alongside you, encourage you, and empower you to move toward the healthier, more fulfilling life you desire. For those who wish, I also offer faith-based counseling as part of the journey. Change is possible—and with support, you can create the healthier, more balanced life you deserve.
VirtualAvailable
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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.
VirtualAvailable
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$85/session

Humorous
Authentic
Warm

Specialties

Mood Disorders
Recent Hospitalization
Trauma and PTSD
+7
Hi! My name is Vanessa Sewell. I am a Licensed Professional Clinical Counselor and the owner of Boheme Holistic Clinical Services. I received my Bachelor's Degrees in Psychology and History from Western Kentucky University and my Master's Degree in Counseling and Human Development from Lindsey Wilson College. I am currently a doctoral student in Lindsey Wilson University's Counselor Education and Supervision program (and yes, they changed their name). I have spent time counseling individuals from ages 4-80 in community mental health, foster care, and inpatient behavioral health settings for the last 5+ years. I have worked in the mental health field for more than 15 years.
VirtualAvailable
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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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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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$120/session

Authentic
Warm
Empowering

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.
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.
VirtualAvailable
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New to Grow

$85/session

Specialties

Anxiety
Depression
Life Transitions
+10
Life is tough, and starting therapy is a big step- I'm glad you're here! I'm passionate about helping people navigate life's challenges. I view therapy as a safe, nonjudgmental space for exploring both challenges and successes. I have been independently licensed as a clinical social worker since 2013 and obtained my practice doctorate in 2023. I work with a broad range of individuals, including those suffering from mood disorders, anxiety, and depression. I enjoy working with people to navigate life's many stressors, including employment challenges and career transitions. I’m also passionate about supporting caregivers, who often carry unique emotional and practical challenges. My approach is warm, empathic, and collaborative—I aim to create a space where you feel truly heard and supported.
VirtualAvailable
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$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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$75/session

Warm
Intelligent

Specialties

Anxiety
Crisis Intervention
Depression
+7
Hello! I'm a native Kentuckian with two degrees from the University of Kentucky including a masters in Marriage and Family Therapy. I also have close ties to Oregon where I worked for over 10 years on a crisis mental health team. I provided care and compassion to individuals who were struggling to cope through crises brought about by trauma, depression, loss, psychosis and more. My interventions were typically brief as my goal was to help folks move through their crisis and make plans for follow up care. Now I get to provide ongoing services and do a deep dive into the problems that left alone can lead to a crisis. I enjoy supporting people as they learn and discover better ways to cope and uncover their own strong sense of resilience.
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.
VirtualAvailable
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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.
VirtualAvailable
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$150/session

Empowering
Authentic
Intelligent

Specialties

Anxiety
Life Transitions
Post Partum
+9
Hello, I am a Licensed Clinical Social Worker (LCSW) in Indiana and Kentucky. I have been in the social work field since 2016. Upon receiving my Masters degree, I pursued a career as a therapist. I am privileged to have been allowed the opportunity to work with several varying population groups and cultures. I currently provide therapy through a medication assisted treatment (MAT) facility and primary care office. My past experience includes child welfare/foster care, community mental health agencies, MAT, psychiatric units, hospitals, and schools. I would be honored to help you navigate difficulties in life, relationships, and mental health. I am currently only accepting female clients.
VirtualAvailable
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$135/session

Open-minded
Warm

Specialties

Grief
Life Transitions
Trauma and PTSD
+6
Are you carrying pain that no one else can see? Maybe you’re showing up every day, doing what you have to do—but inside, you’re overwhelmed, stuck, or just trying to survive. You might feel like something is “off,” or that you’re too much, or not enough. If you're navigating life after trauma, grief, or complicated relationships, you are not alone—and you don’t have to do this alone. I’m a Licensed Clinical Social Worker with experience helping individuals heal from trauma, anxiety, and life’s hardest moments. I use EMDR (Eye Movement Desensitization and Reprocessing), and parts work inspired by Internal Family Systems (IFS).
VirtualAvailable
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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.