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: 2/12/2026

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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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$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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$130/session

Warm
Authentic

Specialties

Anxiety
Depression
Trauma and PTSD
Brenda Hodges, M.A., M.S., is a licensed mental health professional with over 14 years of dedicated experience in therapeutic counseling. Holding dual master's degrees in Psychology and Rehabilitation Counseling, she brings a comprehensive approach to mental wellness, serving clients across Kentucky and Florida. Known for her warm, approachable demeanor, Brenda specializes in treating individuals struggling with depression, anxiety, post-traumatic stress disorder (PTSD), and survivors of violence and abuse. Her therapeutic style creates a safe, non-judgmental environment where clients can explore their challenges and work toward healing. Throughout her career, Brenda has helped individuals reclaim their lives and develop resilience in the face of trauma. Her dual licensure in Kentucky and Florida reflects her commitment to expanding access to quality mental health care across multiple communities. Brenda views her role as more than just a profession—it's a calling. She considers it both an honor and a privilege to guide clients through their healing journeys, drawing on her extensive education and experience to provide personalized, evidence-based support for each individual she serves.
VirtualAvailable
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New to Grow

$90/session

Specialties

Anxiety
Depression
Trauma and PTSD
+10
As a licensed therapist in Kentucky with over three decades of clinical experience, I specialize in supporting individuals navigating the complex emotional landscape of life. My practice focuses on addressing challenges such as depression, anxiety, trauma, grief, and interpersonal relationship dynamics. I have extensive expertise in working with teens, adults, older adults, veterans, first responders, and individuals experiencing life transitions.
VirtualAvailable
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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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$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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$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

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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$75/session

Warm
Authentic
Intelligent

Specialties

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

$100/session

Warm
Empowering

Specialties

ADHD
Autism
Depression
+9
I’m a mental health professional dedicated to helping individuals navigate life’s challenges with compassion, clarity, and evidence-based care. Whether you're facing anxiety, depression, trauma, relationship issues, or simply seeking personal growth, my goal is to create a safe, nonjudgmental space where you feel heard, understood, and empowered. My approach is collaborative and tailored to your unique needs. I draw from modalities such as CBT, DBT, Play Therapy techniques, Solution Focused, ERP, and mindfulness to name a few. I am guided by the belief that healing is possible and that every person deserves to live a life of meaning and connection. Clients often describe me as warm, insightful, and present. I believe therapy is not just about solving problems—it’s about discovering your strengths, rewriting old narratives, and building a life that feels authentic and fulfilling. If you’re ready to take the next step, I’m here to walk alongside you.
VirtualAvailable
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$130/session

Holistic
Warm

Specialties

LGBTQ
Sexual Abuse
Trauma and PTSD
+9
My passion is creating a safe, open, and non-judgmental space where you feel seen, heard, understood, and ready to explore life's challenges. I combine my clinical experiences with a genuine, compassionate relational style to help you uncover your inner strength and move towards deeper self-awareness, healing, and empowerment. I currently hold licenses as a LPC-s in Virginia and a LPCC in Kentucky. have been working in the mental health field since 2008 and I specialize in helping clients navigate and heal from trauma. I also help and encourage clients to strive to be more connected with and congruent to self: mind, body, and emotions.
VirtualAvailable
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$100/session

Solution oriented
Authentic

Specialties

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

$120/session

Empowering
Open-minded

Specialties

Anxiety
Couples Counseling
Self Esteem
+6
Throughout my life I have had many mentors and supports who have helped me grow as a person and as a therapist. The enjoyment of being part of helping people find a life that is fulfilling motivates me even after almost 30 years to do this work. I became a Licensed Marriage and Family Therapist because it was an approach that was strength based and free from the blame that in some way we are broken. I have learned that many things impact the choices and decisions we make and instead of focusing on what is wrong the better thing to do is find out what an individual or couple's strengths are and take those, build upon them so that the person/ couple can heal old wounds and find a better way of living. That does not mean ignoring problems, it means healing so that you can better solve your problems.
VirtualAvailable
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$100/session

Warm
Open-minded
Intelligent

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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Often rebooked

$100/session

Warm
Empowering

Specialties

Addiction
Anxiety
Depression
+7
As a Licensed Professional Clinical Counselor with over 20 years of experience specializing in substance use disorder treatment, I provide a unique understanding to the disease of addiction, anxiety, depression and other underlying conditions. I use a blend of cognitive-behavioral therapy, motivational interviewing, and faith based treatment. I am person of deep faith who loves his wife and 2 children. Family means a great deal to me and has been a wonderful support system to me along my life journey. I would love to help individuals find the support they need to assist them along their own personal journeys of life.
VirtualAvailable
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$70/session

Warm
Authentic
Open-minded

Specialties

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

$90/session

Authentic
Warm
Empowering

Specialties

Addiction
Anxiety
Women's Issues
+5
Hello! I am a Licensed Professional Clinical Counselor in the state of Kentucky. I attended Northern Kentucky University for my degree in Psychology and attended the University of Cincinnati for my Master's degree in Mental Health Counseling. I have worked for the last 20 years in the mental health and addictions field. I work specifically with women to address areas and types of anxiety, trauma, depression, and addiction to empower them to make their lives more manageable.
VirtualAvailable
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$150/session

Warm
Humorous

Specialties

Anxiety
Depression
Women's Issues
+10
Hi, I am honored you are taking time out of your busy day to consider me as your therapist. I am a Licensed Clinical Social Worker in Pennsylvania and Kentucky. I received my Masters in Social Work from Marywood University and have been practicing for 20+ years. I assist individuals like you — thoughtful, resilient, and ready to face the hard things, even when they feel confusing or uncertain - through empathy, compassion, and challenge.
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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$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.
VirtualAvailable
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$90/session

Open-minded
Humorous
Direct

Specialties

Anxiety
Mood Disorders
Trauma and PTSD
+8
Feeling stuck, stressed, or overwhelmed? You’re not alone, and I’m here to help. As a Licensed Clinical Social Worker (LCSW) and Licensed Marriage and Family Therapist (LMFT) with over six years of experience, I specialize in working with young adults and teens to tackle life’s challenges head-on. Together, we’ll create a space where you can feel heard, supported, and understood—free from judgment. I use proven approaches like EMDR, Cognitive Behavioral Therapy (CBT), and CT-R, along with other tools that fit your unique needs. Whether you’re dealing with anxiety, past experiences that feel hard to shake, trouble with relationships, or figuring out who you are and want to be, I’m here to guide you at your own pace. My focus is always on helping you feel empowered to take control of your story. You don’t have to face this alone. Therapy can be a place to work through tough emotions, build confidence, and discover new ways to handle whatever life throws your way. Together, we’ll work on building the tools you need not just to get by—but to thrive. Your voice matters, and I’m here to make sure it’s heard
VirtualAvailable
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Often rebooked

$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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$125/session

Humorous
Authentic

Specialties

LGBTQ
Trauma and PTSD
Women's Issues
+10
I am passionate about providing trauma-informed services to clients. I believe that healing is available for everyone and that we all have room to grow. I'd love to help you along your journey. I offer a safe space for those in marginalized communities, including LGBTQIA+ clients. I love working with trauma because of the great deal of healing that therapy can provide. It’s amazing to see the changes in people’s lives when trauma is no longer holding them back!
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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.