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 176 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: 4/15/2026

$90/session

Authentic
Solution oriented
Humorous

Specialties

Addiction
Life Transitions
Women's Issues
+10
I earned my Master’s degree in 2022 and bring four years of clinical experience working with individuals, families, adolescents, and court-ordered clients. My background includes supporting clients navigating dual diagnoses and a wide range of mental health concerns, including substance use disorders, bipolar disorder, schizophrenia, borderline personality disorder, anxiety, and depression. I am deeply committed to ongoing growth, both personally and professionally, because I believe the best way to support others is to continually reflect, learn, and evolve. Whether you are seeking stability, clarity, healing, or deeper self-understanding, I will meet you with empathy, compassion, and a steady presence as we work toward meaningful change together.
VirtualAvailable

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

$170/session

Solution oriented
Authentic
Direct

Specialties

Couples Counseling
Depression
Personality Disorders
+10
Welcome - I am glad you are here! I am accepting new Ohio and Kentucky clients via telehealth in February. Life is a complex mix of beauty and messiness, and I believe that while time passes, true healing requires intention. Our experiences—from our earliest memories to the present—shape how we move through the world. I am here to help you gently navigate those layers, understanding how your past influences your present so you can intentionally reshape your future. My Approach I provide a safe, affirming, and non-judgmental space where you are always the expert on your own life. My practice blends: Trauma-Informed & Strengths-Based Care: Honoring your history while focusing on your inherent resilience. Practical Tools: Providing actionable skills you can use outside of our sessions to support your daily well-being. Collaborative Growth: Whether you are navigating grief, trauma, or a major life transition, we will work together to build a path that reflects your unique needs. The Goal Together, we will work toward a future where you can hold compassion for your past, purpose in your present, and genuine hope for your future. You don’t have to find your footing alone.
VirtualAvailable

New to Grow

$120/session

Specialties

Addiction
Anxiety
Couples Counseling
+10
Hello my name is, Chris. I am a Licensed Clinical Social Worker with 16 years of experience in counseling interventions with children, adults, and families. I have a successful history in helping clients with stress and anxiety, coping with addictions, parenting issues, motivation, self esteem, & confidence. I pride myself in being a artner in you developing a new way to see and interact in reality.
VirtualAvailable

New to Grow

$150/session

Specialties

ADHD
Anxiety
Career Counseling
+10
My name is Feryal (pronounced Fur-yal) Katsikas (pronounced Cat-see-kus) M.A. LPCC. I have been practicing mental health counseling for the past 7 years. Prior to working in mental health, I have years of experience in travel and make-up artistry. I've always known that I wanted to help others. I'm fascinated by the human mind and how our experiences shape who we are today. I believe we have the power to choose our authentic selves, regardless of background, and that music, movement, and nutrition contribute to better mental health.
VirtualAvailable

New to Grow

$100/session

Holistic
Intelligent

Specialties

Parenting
Trauma and PTSD
Women's Issues
+9
My name is Alex Rentel. I have been a counselor since 2019, but been in the mental health field in other roles since 2017. I have worked with many humans from many different backgrounds with an array of different struggles. I enjoy listening to stories whether it be from another human or my audiobook. I teach yoga and enjoy being outside when the weather is nice. I am a mother and a wife and believe that my life experiences help make me the therapist that I am.
VirtualAvailable
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New to Grow

$175/session

Solution oriented
Warm

Specialties

Anxiety
Depression
Women's Issues
+6
Hello, my name is Ebony and I specialize in women's mental health. I have over 14 years in the social work field, working with diverse populations in various settings. I have 6 years providing clinical work to individuals, families and groups. Currently, I help women harness their strengths, build resilience, and embrace their authentic selves! I help women learn healthier thinking processes, work through their traumas, build self-esteem, build skills to improve communication, boundaries, and management of stressors. I believe that all women deserve a safe space to heal and grow. I am here to empower you, help improve your resiliency and mental well-being through improved boundary setting, coping skills, emotional regulation skills, etc. Don't wait, reach out today to start your mental health journey!
VirtualAvailable

$100/session

Warm
Authentic
Empowering

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

$90/session

Empowering
Authentic
Warm

Specialties

Anxiety
Obsessive-Compulsive (OCD)
Women's Issues
+1
Hello! My name is Amaris, and I’m glad you’re here :) Do you ever feel like you’re carrying more than your share — emotionally, mentally, or relationally? Do you find yourself doubting your needs, overthinking decisions, or feeling responsible for everyone else’s wellbeing? Many women move through the world with expectations and pressures that shape how they show up. My work focuses on helping women understand the “why” behind their emotions and behaviors so they can move through life with more clarity, confidence, and self‑trust. Sometimes personal growth means recognizing that you’re either going to deal with your stuff, or your stuff is going to deal with you. Therapy is a powerful place to begin that process.
VirtualAvailable

$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.
VirtualAvailable

Often rebooked

$100/session

Warm
Empowering
Direct

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

New to Grow

$100/session

Specialties

Anxiety
Couples Counseling
Depression
+10
Hello! I have been in the field since my first graduate degree in 1998. I have vast experience with humans suffering from all sorts of mental health needs and I also have life experiences which translate into a genuine, real understanding and desire to help others. I enjoy partnering to set goals, engage in therapeutic work, and watch the growth and healing occur. I believe that education is extremely valuable and have two other graduate degrees as well. I use my education and experience to help others live healthier, happier, more fulfilling lives.
VirtualAvailable

$100/session

Empowering
Solution oriented

Specialties

Depression
Grief
Life Transitions
+2
Hello. My name is LaDonna and I am an LCSW. Welcome, I am glad you're here. Reaching out for help can be scary and I applaud you taking this first step. My goal with therapy is to provide a space where you feel comfortable being yourself, where you can talk openly, feel heard and begin to work through what has been weighing on you. I see therapy as a collaborative effort to find what works for you to feel stronger, more balanced and ultimately, more connected to what matters most to you in a world that often seems "un-connected". I have both a Bachelors and a Masters in Social Work. I have worked in the field of social work for 20 plus years. In my lifetime I have been a daughter, sister, partner, wife, mother (to both human and fur baby) and friend.
VirtualAvailable

$125/session

Warm
Authentic
Solution oriented

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?
VirtualAvailable

$90/session

Authentic
Challenging
Intelligent

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

Often rebooked

$80/session

Warm
Intelligent
Solution oriented

Specialties

Anxiety
Depression
Trauma and PTSD
Thank you for reviewing my profile. I am a Licensed Marriage and Family Therapist (LMFT) and and Licensed Professional Counselor (LPC) of 25 years. I am licensed in TN and KY. I have worked with preschoolers, children, adolescents, adults, couple's and families in various settings including residential treatment facilities, outpatient clinics, community action agencies, school-based therapy, telehealth, and private practice both in-office and through telehealth. I also taught trauma in the family and treating diverse population classes to students in the Master's degree program for Marriage and Family Therapists at Medaille College in Buffalo, New York. I have lived in Upstate, New York, Western, KY and East Tennessee and currently reside in an equine community on the Big South Fork National Forest in Tennessee. I am also trained and was previously certified in Equine Assisted Psychotherapy through the Equine Assisted Growth and Learning Association (EAGALA), and was previously certified as a Trauma Specialist through the Association of Traumatic Stress Specialist (ATSS). Both certifications required extensive training which I continue to utilize as applicable, however, keeping the certifications active did not add specific value to my practice. I am an avid horse rider and have a love for animals. I view my abilities and opportunities to help others through their journeys of recovery and life improvement as a great privilege that feeds my soul.
VirtualAvailable

$95/session

Authentic
Intelligent
Direct

Specialties

Anxiety
Depression
Trauma and PTSD
+5
I’m a licensed clinical social worker who brings warmth, depth, and clarity to individual therapy. I blend evidence-based approaches with flexibility to meet each client’s unique needs. I specialize in anxiety, depression, coping skills, self-esteem, mood disorders, grief, health/medical issues, trauma/PTSD, and complex relationships—especially when high-conflict dynamics or emotional confusion are involved. Together, we create a collaborative space to understand patterns, build insight, and foster lasting, meaningful change. Don't keep suffering, schedule a session today.
VirtualAvailable

$90/session

Warm
Authentic
Open-minded

Specialties

ADHD
Anxiety
Depression
+7
Hi! I'm a Licensed Clinical Social Worker (LCSW) based in Kentucky. I received my Master's in social work degree from Northern Kentucky University and have been practicing for 5 years. I have a heart to help others manage some of life's most difficult circumstance and stressors by empowering them to gain self-awareness and obtain coping skills. I have worked with a variety of clients from childhood to late adulthood. I look forward to working with you!
VirtualAvailable

$75/session

Warm
Authentic
Solution oriented

Specialties

Anxiety
Depression
Trauma and PTSD
+10
Hi I'm Abby! I'm a mental health professional with five years of experience working in a variety of settings, including community mental health and integrated primary care. My goal is to bring a compassionate, strengths-based approach to each therapy session. I utilize evidence-based practices, including Trauma-Focused Cognitive Behavioral Therapy (TF-CBT), Motivational Interviewing, and Cognitive Behavioral Therapy (CBT) to support clients navigating trauma, life transitions, anxiety, and other emotional challenges. I aim to create a safe space where clients feel empowered to explore their experiences and move toward meaningful change.
VirtualAvailable

Often rebooked

$125/session

Authentic
Intelligent
Warm

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.
VirtualAvailable

$125/session

Authentic
Warm

Specialties

Anxiety
Depression
I am a Licensed Professional Clinical Counselor with a passion for helping individuals and families heal from past experiences, develop healthy communication patterns, establish boundaries, and operate within a safe, loving dynamic. I am a certified trauma-informed care provider. I specialize in anxiety, depression, and trauma disorders. I believe your ability to grow lies within you. I look forward to working with you. Contact me to begin your healing journey today. Immediate openings for new clients.
VirtualAvailable

$125/session

Authentic
Empowering
Warm

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.
VirtualAvailable

$100/session

Warm
Authentic
Open-minded

Specialties

Anxiety
Depression
Mood Disorders
Hi there, I'm Jamie. In life, do you often feel as if you are driving alone down a dark road and are sometimes overcome with the burdens of everyday life? Is it hard for you to be kind to yourself? Do you feel that depression or anxiety is taking away your joy? Let me help you get that joy back. Seeking therapy can be scary but you are making the right choice. You are in the driver's seat. I am merely a passenger, with the necessary tools to assist you in finding the light at the end of the tunnel. I utilize an interpersonal approach that is specific to your needs to assess the situation and provide guidance along the way. My goal is to meet you where you are in your journey and help you get where you want to be. You deserve a safe space to heal and grow. In our sessions together, I'll help you with compassion and evidence-based techniques, so you can overcome the 3 H’s – hangups, hardships, and habits- that are holding you back. I can't wait to meet and talk so we can work together to reach your goals!
VirtualAvailable

$110/session

Solution oriented
Warm

Specialties

ADHD
Autism
Trauma and PTSD
Hello, I'm Timara. I have been a person in long-term recovery since 2010, and I have found my purpose in providing a safe space for others. My approach to therapy is rooted in radical acceptance and non-judgment, offering LGBTQ+ friendly and Neurodivergent-affirming care. Some of my passions are working with people with Autism, religious/cult trauma and ADHD. I am Poly and kink friendly and have experience with ENM. Using a gentle yet direct approach, I work collaboratively with you to empower yourself to make positive changes in your life. Whether you're struggling with relationships, communication issues, anxiety, depression, trauma, emotional regulation issues, or trouble managing stress, I'm here to help. Together, we will identify barriers and find the tools you need to successfully progress towards living a more rewarding life. My therapeutic approach is trauma-informed and person-centered, meeting you wherever you are on your life's journey. I have spent the last 8 years specializing in substance use disorders and mental health, working in both inpatient and outpatient settings. I graduated from the University of Louisville with my Master of Science in Social Work (MSSW) in 2020. I am a Licensed Clinical Social Worker in Kentucky and Indiana, and a Licensed Alcohol and Drug Counselor in Kentucky. If you're ready to take the next step towards a healthier, more fulfilling life, I would be honored to support you on your journey. Let's work together to create the positive changes you seek.
VirtualAvailable

$100/session

Authentic
Solution oriented
Warm

Specialties

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