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: 12/29/2025

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New to Grow

$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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$125/session

Warm
Open-minded
Empowering

Specialties

Anxiety
Depression
Women's Issues
+10
Hi there! I’m 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
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New to Grow

$125/session

Specialties

Anxiety
Bipolar Disorder
Depression
+2
As a licensed therapist in Missouri, Kentucky, and New Jersey, I bring 25 years of compassionate clinical experience supporting individuals through complex life transitions and emotional challenges. My approach centers on creating a supportive, non-judgmental space where clients can explore their inner experiences and develop meaningful strategies for personal growth. I specialize in addressing a wide range of mental health concerns, including depression, anxiety, self-esteem challenges, LGBTQ+,and life transitions. My therapeutic work focuses on helping individuals navigate complex emotional landscapes, from workplace stress to relationship dynamics, with particular expertise in supporting young adults, caregivers, and those experiencing significant personal transformations. My practice is deeply committed to understanding each client's unique journey. I offer a progressive, affirming approach that honors individual experiences and empowers clients to develop stronger self-understanding, communication skills, and emotional resilience. Whether you're struggling with social anxiety, processing major life changes, or seeking deeper self-connection, I'm dedicated to walking alongside you with empathy and professional guidance. Good Karma to all....
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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$100/session

Authentic
Open-minded
Warm

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
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$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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$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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$120/session

Warm
Authentic

Specialties

First Responders/Healthcare Workers
Spirituality
Trauma and PTSD
+10
My journey into counseling was shaped by years of serving others on the frontlines and witnessing the physical, emotional, and spiritual impact of trauma firsthand. I bring that same sense of compassion, discipline, and calm under pressure into the therapy space. I believe that healing involves the whole person, including the mind, body, and spirit. My approach blends evidence-based clinical methods with Christian principles when desired, helping clients not only manage symptoms but also rediscover meaning, identity, and purpose. Whether we are unpacking trauma, building coping tools, or walking through a season of growth, my goal is to create a safe space where you can heal honestly and at your own pace.
VirtualAvailable
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Frequently rebooked

$85/session

Humorous
Authentic
Warm

Specialties

Mood Disorders
Recent Hospitalization
Trauma and PTSD
+7
Hi! My name is Vanessa Sewell and I am a Licensed Professional Clinical Counselor. 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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Frequently rebooked

$125/session

Warm
Intelligent
Solution oriented

Specialties

Anxiety
Depression
Mood Disorders
+5
Hello, I am a Licensed Clinical Social Worker near Lexington, KY. I have 11 years experience and have worked in a community mental health center and in a counseling center at a small university. I consider it a privilege for clients to share their story with me and entrust me to help them get to where they want to be. I help clients engage in the change process and support them on their journey to becoming more healthy.
VirtualAvailable
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$125/session

Warm
Authentic
Empowering

Specialties

Anxiety
Coping Skills
Depression
+9
Welcome! I am a warm, non-judgemental and real person. One of my basic tenants is we, as people, are doing the best we can, and sometimes our conscious or subconscious "plan" to take care of ourselves is just not working anymore. Sometimes we need to develop a new “plan” but that can be difficult and we need help. The relationship with ourselves, family, friends and our community is a pillar to good health and well being. However things get in the way….like trauma, substance use, addiction, depression, anxiety, loneliness, illness, & fear. I want to support your concerns and help you improve your sense of wellbeing.
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

Authentic
Intelligent

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
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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
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$120/session

Open-minded
Direct

Specialties

Anxiety
Depression
Obsessive-Compulsive (OCD)
+10
I am a skilled and empathetic counselor with over 18 years of experience. I work with a wide variety of clients from the very young to the very experienced. My clients are people who have been struggling, often through many failed attempts, to get their life back on the path they want. I help my clients find their own, unique way to overcome the challenges they are facing be it depression, anxiety, relationship issues, or unexpected changes in life circumstances. I help my clients find their footing and forge their own path towards the future they choose.
VirtualAvailable
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Frequently rebooked

$90/session

Authentic
Open-minded
Humorous

Specialties

Addiction
ADHD
Family Conflict
+14
Hello, I am looking forward to working with you. I do not say help, I say working with, as we are in this together. I hope to be able to provide you with the tools and the skills that you need to overcome and deal with life on life's terms. I also am flexible with appointment times, my calendar reflects when I am able to meet with little notice.
VirtualAvailable
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$120/session

Warm
Open-minded
Empowering

Specialties

Anxiety
Depression
Serious Mental Illness
+7
I am licensed clinical social worker in Indiana, Kentucky and Michigan with 8 years of professional work experience. I have experience in helping clients with stress, anxiety, family conflicts, trauma, abuse, motivation, self esteem, & confidence. I also have experience working with depression. I believe that you are the expert of your story and that you have many strengths that will assist you in overcoming things that challenge you. Taking the first step to sign up for therapy can take courage and I am proud of you for getting started!
VirtualAvailable
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$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
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New to Grow

$125/session

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!
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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$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).
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$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
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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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$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
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$120/session

Warm
Solution oriented

Specialties

Anxiety
Coping Skills
Depression
+2
Hi there, I'm Alicia. Do you feel the pressure and stress of daily responsibilities?Having trouble balancing work, school, kids, bills, finances, relationships, parents, health, and time? Are you feeling overwhelmed, depressed, and anxious? Do you find it difficult to cope? Are you finding it hard to be kind to yourself? I help the tired and frazzled learn to relax and find balance and peace in their lives. Together, we can work on finding balance, relaxation and inner peace in your life. Whether you are overwhelmed and dealing with difficult relationships, work burnout, cycling depression and anxiety, I am here for you! Beginning therapy can feel scary, but you are making the right choice. You deserve to be happy, to heal and to grow in a safe space. I will meet you with compassion, humor, and evidence-based techniques so you can overcome the challenges in your life. Let's start your journey together!
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Frequently asked questions

Why filter by Kentucky rather than a city like Louisville?

When looking for online therapy, you can see anyone that is credentialed in the state. We want you to find the best fit, therefore, Grow Therapy shows available therapists across Kentucky from Bowling Green to Lexington! If you’d rather see someone in-person, you can change the filter from virtual and find a therapist near you in Kentucky.

Will my therapist take insurance?

When booking you’ll be asked to verify with your Member ID. However, if you don’t have any of the insurances available you can select cash. Our therapists will have their cost of appointment on their profile. Individual session costs will vary.

How does the Specialty Filter work? Can I find a therapist that focuses on a specific issue?

The specialty filter is optional. You don’t need to check any boxes to see a provider. However, fit is very important when selecting an online therapist. If you have knowledge or experience to recognize what specialties you may need.

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.