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 158 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: 12/7/2025

$100/session

Warm
Open-minded
Authentic

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.
VirtualAvailable
View profile
Book session

$125/session

Warm
Open-minded
Empowering

Specialties

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

$150/session

Authentic
Warm

Specialties

Couples Counseling
Family Therapy
Spirituality
+9
Hi, I’m Tony Watkins, a Licensed Marriage and Family Therapist with over 25 years of experience helping individuals, couples, and families find healing and hope. My work is rooted in a Christian perspective that values grace, compassion, and the belief that every person is created for connection. I integrate evidence-based approaches such as Emotionally Focused Therapy (EFT), EMDR, Parent-Child Interaction Therapy (PCIT), Motivational Interviewing (MI), and the CAMS model for suicidality with a faith-informed perspective. My heart is to provide a safe space where clients can process pain, strengthen relationships, and experience both personal growth and spiritual renewal.
VirtualAvailable
View profile
Book session

$125/session

Warm
Direct

Specialties

Grief
Life Transitions
Older Adults
+10
Hello, I am Dr. Marilyn L. Sails, the owner and licensed practitioner with Comfort Care Counseling with Dr. Sails. I am a Licensed Clinical Social Worker with over a decade of experience supporting older adults and families through life’s most tender transitions. I hold both a Doctorate in Social Work (DSW) and a Masters in Social Work (MSW) from the University of Kentucky. I have dedicated my career to helping patients navigate grief, trauma, chronic illness, and end-of-life concerns with dignity and compassion. My practice, Comfort Care Counseling, is rooted in Christian faith and designed especially for adults 50 and older. Whether we meet via telehealth or in the comfort of your home, you’ll find a safe, supportive space where emotional healing and spiritual restoration go hand in hand.
VirtualAvailable
View profile
Book session
No reviews yet

New to Grow

$95/session

Specialties

Anxiety
Family Therapy
Obsessive-Compulsive (OCD)
+10
Hi! I'm Hannah, an LCSW who has been working in community mental health for over five years and chose the mental health field after engaging in a positive therapeutic experience myself to address anxiety. I am dedicated to providing an accepting environment in which clients can explore and analyze their feelings, experiences, and behaviors in order to achieve the goals they set for themselves. I pride myself on my ability to connect with others in a wide variety of interests and help others feel more comfortable in not only opening up in sessions but also more comfortable with themselves.
VirtualAvailable
View profile
Book session

$100/session

Authentic

Specialties

Anxiety
Couples Counseling
Depression
+10
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
View profile
Book session

$90/session

Authentic
Warm
Intelligent

Specialties

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

$125/session

Specialties

Grief
Serious Mental Illness
Spirituality
+9
I am a Licensed Marriage and Family Therapist, in Kentucky. I have over 13 years of experience in healthcare and mental health. I work with individuals, families, and couples across the life span. I typically see clients ages 14 and above. I have had success with short term (3-5 sessions) and long term (weekly or bi-weekly) therapy sessions. I provide couples counseling services as a Prepare and Enrich provider, and a Gottman-informed therapist. I also offer Premarital Counseling services. I offer assessments and will work with you to advocate for your individual needs with your medical providers, workplace or school.
VirtualAvailable
View profile
Book session

$120/session

Authentic
Warm
Empowering

Specialties

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

$100/session

Warm
Empowering

Specialties

ADHD
Autism
Depression
+5
I’m a mental health professional dedicated to helping individuals navigate life’s challenges with compassion, clarity, and evidence-based care. Whether you're facing anxiety, depression, trauma, relationship issues, or simply seeking personal growth, my goal is to create a safe, nonjudgmental space where you feel heard, understood, and empowered. My approach is collaborative and tailored to your unique needs. I draw from modalities such as CBT, DBT, Play Therapy techniques, Solution Focused, ERP, and mindfulness to name a few. I am guided by the belief that healing is possible and that every person deserves to live a life of meaning and connection. Clients often describe me as warm, insightful, and present. I believe therapy is not just about solving problems—it’s about discovering your strengths, rewriting old narratives, and building a life that feels authentic and fulfilling. If you’re ready to take the next step, I’m here to walk alongside you.
VirtualAvailable
View profile
Book session

$125/session

Specialties

Anxiety
Depression
Parenting
+10
Hello. I am a Licensed Clinical Social Worker (LCSW) who has been practicing for over 20 years. I work with adults, couples, and families including children, and adolescents. My goal is to work with each person individually from a person-centered perspective. I want you to feel that you are in control of your progress by identifying your needs and focusing on your strengths . My specialties include depression, anxiety, relationship issues, behavioral challenges, post-partum depression, parenting, chronic illness, and grief. I am available to see clients in Kentucky in-person or telehealth, and Michigan or Minnesota via telehealth. The person centered approach means that the client is the center of everything from the initial assessment, to the development of the goals, to the treatment that is provided. It is important that you know you are accepted and with therapy you are able to address the concerns you have and learn to effectively work through them. I understand therapy can feel uncomfortable and the thought of sharing yourself with someone you don't know (yet) can be overwhelming. Give me a call and we can talk for an initial conversation to see if it will be a good fit.
VirtualAvailable
View profile
Book session

$125/session

Specialties

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

$100/session

Open-minded
Warm
Authentic

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.
VirtualAvailable
View profile
Book session

$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
View profile
Book session

$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
View profile
Book session

$100/session

Open-minded
Empowering
Warm

Specialties

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

$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
View profile
Book session

$100/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
View profile
Book session

Frequently rebooked

$105/session

Specialties

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

Frequently rebooked

$50/session

Solution oriented
Authentic
Empowering

Specialties

Addiction
Anxiety
Depression
+3
Hi there, I am Dr. Smith. Do you need a therapist who encourages, motivates and instills hope that empowers you to take control of your struggles so you can live out the best version of yourself? Life, Love and relationships often come with unique challenges that can make us feel like we are being pulled in many directions. These challenges are combined with work and financial stress that can often leave us exhausted and dissatisfied with life. I help individuals, couples and families identify stressors so that together we can begin the healing process and improve your quality of life and relationships. Whether you are struggling with anxiety, depression, substance abuse or relationship issues I am here to help. I use an approach centered around compassion, empathy, and the belief that all of us have worth and dignity. The evidence-based techniques used will give you hope while working toward the change that led you to therapy.
VirtualAvailable
View profile
Book session

$80/session

Authentic
Solution oriented

Specialties

Anxiety
Depression
Self Esteem
+10
I'm glad you're here! I hope that I can help you feel comfortable- here is a little information about me. I'm a laid-back, family-oriented therapist and a musician. When I’m not working with clients, you’ll find me doing something creative or messing around on my guitar, enjoying dinner with my kids, or unwinding with live music or films. I bring that same creative, grounded energy into therapy—helping you feel comfortable, seen, and supported every step of the way I’m a licensed mental health counselor who blends a person-centered, strengths-based approach with evidence-informed techniques like Cognitive Behavioral Therapy (CBT). I help adults and teens navigate anxiety, relationship issues, life transitions, and the challenges of recovery by creating a warm, collaborative space where you’re seen, heard, and empowered. Together, we’ll identify your goals, explore what’s holding you back, and build practical tools tailored to your unique story. I believe growth happens when we honor who you are today while working toward who you want to become.
VirtualAvailable
View profile
Book session
No reviews yet

New to Grow

$80/session

Specialties

Addiction
Mood Disorders
Substance Misuse
+5
Hello! My name is Amanda White. I am a LCSW with a specialization in drug and alcohol counseling in Kentucky. I have been providing inpatient therapy within a residential program that serves clients with substance use and a broad range of mental health concerns for the last four years, and my role as your therapist is to help you feel seen, heard, and supported as we navigate difficult stages of life. I believe that everyone would benefit from having unbiased therapeutic support in a space that allows you to process, challenge, and grow from unwanted feelings, emotions, and behaviors.
VirtualAvailable
View profile
Book session
No reviews yet

New to Grow

$85/session

Specialties

Addiction
Anxiety
Coping Skills
My passion is assisting individuals in finding their path forward, and defining that on their terms. Over the years, I’ve had the privilege of working with diverse individuals, each with their unique stories, which has further deepened my understanding of the importance of creating a safe, non-judgmental space for growth. I look forward to working with you and helping you take the next step toward achieving a specific goal. Progress > Perfection.
VirtualAvailable
View profile
Book session
No reviews yet

New to Grow

$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
View profile
Book session

$100/session

Authentic
Empowering

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.
VirtualAvailable
View profile
Book session
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.