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 159 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: 12/19/2025

$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
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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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$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
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$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
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New to Grow

$100/session

Specialties

Addiction
Anxiety
Perinatal Mental Health
+2
My name is Lynnsey Vandeventer, and I am a Licensed Professional Clinical Counselor Supervisor in the state of Kentucky, a Nationally Certified Counselor, and a Certified Addiction-Informed Mental Health Professional. Since 2019, I have worked primarily in the field of substance use, where I’ve had the privilege of supporting individuals and families through some of their most challenging and transformative moments. I am deeply passionate about helping others grow into their fullest potential, and I strive to create a therapeutic environment that is welcoming, compassionate, and grounded in evidence-based practice. I bring a calm, approachable presence to my work, while also offering clear clinical insight and guidance rooted in my years of experience. In addition to my clinical practice, I am currently pursuing my doctoral degree in Counselor Education and Supervision, which continues to expand my knowledge and strengthen my commitment to the counseling profession. My goal is to walk alongside clients with authenticity and respect as they move toward healing, growth, and meaningful change.
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$120/session

Authentic
Open-minded
Empowering

Specialties

Addiction
Anxiety
Depression
+17
Life isn’t always sunshine and rainbows; it can be filled with challenges, difficulties, and hardships. I believe that life is all about perspective and the way we react to problems. Our trials and tribulations are opportunities for us to grow into stronger and wiser individuals. When challenges arise, most people ask, "Why?" I encourage my clients to change their mentality by asking, "How?"—how can I use this to grow and learn, make myself smarter and wiser?" I am a firm believer in empowering clients with the tools and knowledge needed to live a more fulfilling and productive life. With 8 years of sobriety and personal experience battling my own challenges, I know how helpful therapy can be in helping a person rebuild their life and become the person they want to be.
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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.
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$60/session

Warm
Humorous
Authentic

Specialties

Anxiety
Coping Skills
Depression
I am a Licensed Clinical Social Worker practicing child and family therapy in Kentucky for 15 years. I work with kids and families to process difficult experiences and improve the way they cope with new stressors. I also assist parents who are looking for support in being the best parent they can be. It's my joy to partner with you and help you explore and clarify your goals, process difficult situations, identify and practice new skills, and leave therapy feeling confident.
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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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$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
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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
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$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?
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$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.
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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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$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
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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.
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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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New to Grow

$90/session

Specialties

Addiction
Anxiety
Mood Disorders
+8
Hello, I’m Joy Messer, a Licensed Professional Clinical Counselor dedicated to helping children, teens, and adults navigate life’s challenges with compassion and practical support. I use evidence-based approaches like Cognitive Behavioral Therapy (CBT), Motivational Interviewing (MI), and Play Therapy to help clients build insight, resilience, and healthier coping skills. My goal is to create a safe and welcoming space where clients can explore their emotions, heal from past experiences, and move toward personal growth and emotional well-being.
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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.
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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

$100/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.
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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.
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New to Grow

$90/session

Specialties

Addiction
Coping Skills
Substance Misuse
Carina Schroedel, LCSW, a licensed clinical social worker specializing in substance use, co-occurring disorders, trauma, and emotional burnout. I help clients rediscover peace, balance, and self-trust after chaos or loss. My approach is compassionate and grounded in real life — not just theory. Through evidence-based therapy and authentic connection, I help people build healthier coping skills, repair relationships, and feel more at home within themselves. My goal is to help you heal at your own pace and find strength in your story.
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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.
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$100/session

Warm
Open-minded
Solution oriented

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.
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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.