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 174 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: 4/10/2026

$100/session

Solution oriented
Empowering
Warm

Specialties

Anxiety
Depression
Trauma and PTSD
+6
I am a Licensed Clinical Social Worker dedicated to helping individuals navigate life’s challenges and create meaningful, lasting change. I provide a supportive and collaborative space where clients can explore their thoughts, emotions, and behaviors while building practical coping skills. My approach is client-centered and goal-oriented, meeting you where you are while helping you move toward where you want to be.
VirtualAvailable

$170/session

Solution oriented
Authentic
Direct
Open-minded
Warm

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

$90/session

Authentic
Solution oriented
Humorous
Warm

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

New to Grow

$90/session

Specialties

Anxiety
Bipolar Disorder
Depression
+8
I am a Licensed Clinical Social Worker; I have been working in the field of social work for 20 years. Since beginning my career, I have had the privilege of having many different experiences which has helped give me the working knowledge to provide great service and meet my client's needs. In the last three years my focus has been on group therapy and individual therapy for adults. My current focus is individual therapy , it has been the greatest gift to be allowed to hear the stories and be given the opportunity to help guide my clients through this journey to wellness.
VirtualAvailable

$120/session

Humorous
Authentic
Open-minded
Warm
Intelligent
Empowering
Direct
Holistic
Solution oriented

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

$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

New to Grow

$140/session

Specialties

ADHD
Coping Skills
Spirituality
+10
Hello! I am excited to help you get started on your therapy goals! Amazon employees, check with your benefits department about getting six free talk therapy sessions through Grow Therapy. Don't delay, book an appointment with me on my flexible schedule to start your journey toward better mental health. I offer 4-8 sessions that are solution focused for clients to gain practical life skills and solutions to their therapeutic need. Some examples of therapeutic need my clients and I work on are as follows: -Mild anxiety and depression -Emotional regulation -ADHD behavioral therapy management -Problem solving skills -Adjustment to being a new parent -Parenting skills such as behavioral modification strategies for daily routines -Work-life balance issues -Interpersonal social skills such as communication skills and assertiveness skills -Boundary setting -Career goal setting -Making positive behavioral changes -Implementing healthy lifestyle habits -Developing healthy self-care routines including prioritizing prayer and Bible study habits -Time management -Identifying feelings -Identifying and reducing negative self-talk. -Life situational transitions -Caring for elderly parents -Adding a new pet to the family -Effectively navigating self-care in a toxic workplace environment If you are experiencing a mental health emergency call 911 or go to your nearest ER. Should you need intensive therapy due to your specific need, local in person mental health therapy is the best fit for your counseling needs. Severe and/or frequently severe mental health needs are best served in an in person mental health therapeutic setting. Clients needing intense therapy, court ordered therapy, therapy dealing with legal related issues of any kind, or custody involved therapy are best served by local in person mental health providers and resources.
VirtualAvailable

New to Grow

$100/session

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

$80/session

Authentic
Direct
Empowering
Solution oriented
Intelligent
Warm
Open-minded
Challenging
Humorous
Solution oriented

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

New to Grow

$175/session

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

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

$90/session

Empowering
Authentic
Warm
Humorous
Open-minded
Intelligent
Solution oriented
Direct
Challenging
Holistic
Open-Minded
Solution oriented

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

Often rebooked

$130/session

Authentic
Warm
Empowering
Open-minded
Solution oriented
Direct
Humorous
Intelligent

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

$125/session

Authentic
Empowering
Warm
Solution oriented
Intelligent
Humorous
Direct
Open-minded
Challenging
Holistic

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

$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

$120/session

Warm
Empowering
Intelligent
Solution oriented

Specialties

Fertility & Reproduction Issues
Perinatal Mental Health
Postpartum
+9
Hi! I'm Veronica, a Licensed Clinical Social Worker with 15+ years of experience. My professional career has centered around supporting individuals through life transitions and address ways to practice better self care , build coping skills and live the lives they envision for themselves . I am a Perinatal mental health specialist (including pregnancy, postpartum, infertility, pregnancy loss, and reproductive challenges) and trained in both Cognitive Behavior therapy and Interpersonal Therapy-so whatever phase of life you find yourself in, you'll find support, care, and understanding in our time together
VirtualAvailable

$95/session

Authentic
Intelligent
Direct
Solution oriented
Empowering
Holistic
Open-Minded
Open-minded

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

$125/session

Warm
Authentic
Solution oriented
Empowering
Open-minded

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

Warm
Authentic
Open-minded
Solution oriented
Humorous
Intelligent
Direct

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

$90/session

Warm
Empowering
Humorous
Authentic
Intelligent
Challenging
Direct
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

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

Often rebooked

$125/session

Authentic
Intelligent
Warm
Humorous
Solution oriented
Direct
Open-minded
Empowering
Holistic

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

New to Grow

$100/session

Specialties

Anxiety
Bipolar Disorder
Trauma and PTSD
+10
I’m a therapist who keeps things real and meets people where they’re at. I work with adults dealing with trauma, stress, and life transitions, and my goal is to create a space where you can just be yourself without feeling judged. I use a mix of approaches depending on what actually works for you—including EMDR or TF-CBT for trauma and an integrative mental health approach that looks at the whole picture, not just symptoms. That can mean talking through things, building practical coping skills, or exploring how your mind and body are connected. I’m supportive, but also honest and direct when it matters. Therapy with me is a collaborative process—we figure things out together. My goal is to help you make sense of what you’ve been through, feel more grounded, and start moving forward in a way that actually feels meaningful to you.
VirtualAvailable

$100/session

Authentic
Open-minded
Solution oriented
Warm

Specialties

Anxiety
Depression
Self Esteem
+9
My name is Sandra and I am a LCSW, licensed to practice in TN and KY. I am an empathetic and compassionate individual who is passionate about helping clients navigate their unique challenges. I specialize in anxiety, depression, and other mental health struggles, using cognitive-behavioral techniques and other appropriate methods, offering a safe and non-judgmental environment. I believe that anyone can benefit from a safe space to explore their emotions and learn coping skills. I am also fluent in German, and if you are ready to take the next step towards a more fulfilling life, I am here to walk alongside you on your journey towards healing and self-actualization.
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.