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 168 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: 4/3/2026

New to Grow

$100/session

Solution oriented
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

$90/session

Authentic
Humorous
Solution oriented
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

$170/session

Solution oriented
Authentic
Direct

Specialties

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

New to Grow

$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

New to Grow

$100/session

Specialties

Self Esteem
Trauma and PTSD
Women's Issues
+9
I’m a licensed professional counselor who works with women navigating anxiety, trauma, and self-doubt that are contributing to challenges in relationships, life transitions, parenting, or overall burnout. Many of the people I work with feel overwhelmed, disconnected, or unsure of how to move forward. If that sounds familiar, you're not alone. I see therapy as a collaborative process where we walk the path together. My goal is to offer a space that feels honest, grounding, and supportive, while also helping you gently challenge patterns that may be keeping you stuck. Together, we'll work to better understand what you've been carrying and help you feel more hopeful, steady, and connected to yourself.
VirtualAvailable

$90/session

Authentic
Challenging
Intelligent
Solution oriented
Warm

Specialties

Anxiety
Depression
Trauma and PTSD
+10
As a licensed therapist in Kentucky with over three decades of clinical experience, I specialize in supporting individuals navigating the complex emotional landscape of life. My practice focuses on addressing challenges such as depression, anxiety, trauma, grief, and interpersonal relationship dynamics. I have extensive expertise in working with teens, adults, older adults, veterans, first responders, and individuals experiencing life transitions.
VirtualAvailable

New to Grow

$135/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

New to Grow

$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

$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

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

Specialties

Anxiety
Depression
Life Transitions
+10
My name is Dominique Squire, and I am a Licensed Clinical Social Worker. At A Ray of Light, PLLC, I provide trauma-informed, holistic mental health care for individuals seeking balance, clarity, and emotional stability. My work is grounded in evidence-based therapy while honoring the connection between the mind, body, and spirit. I believe healing is not about fixing what’s broken, it’s about creating safety, regulation, and understanding so growth can happen naturally. Many of the clients I work with feel overwhelmed, emotionally exhausted, or stuck in survival mode. My role is to offer a supportive, compassionate space where clients can slow down, reconnect with themselves, and build sustainable coping skills. My approach integrates traditional therapeutic methods with nervous-system-informed practices that support emotional regulation and self-awareness. All care is collaborative, client-centered, and respectful of each individual’s values and beliefs. I do not impose spiritual or personal viewpoints; instead, I support clients in finding what feels grounding and aligned for them. Whether you are navigating anxiety, depression, life transitions, relationship challenges, or the impact of trauma, therapy can be a place to regain stability and rediscover hope. You deserve care that feels safe, thoughtful, and authentic. Please be aware that insurance companies do not cover ESA documentation and court support. To provide these service, I require a minimum of 60 days of sessions to gather relevant information. The fees is payable via private pay. Please note that all requests may not be fulfilled if not clinically necessary.
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

$90/session

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

Specialties

Anxiety
Trauma and PTSD
Women's Issues
+4
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

New to Grow

$150/session

Specialties

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

New to Grow

$125/session

Specialties

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

$125/session

Authentic
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

$155/session

Specialties

Anxiety
Life Transitions
Parenting
+4
I’m Joyce D. Scherdin, a Licensed Marriage and Family Therapist with over a decade of experience working with adults navigating anxiety, stress, life transitions, and emotional patterns that feel hard to shift. I help clients who feel overwhelmed or stuck find greater steadiness and clarity. My approach is supportive, structured, and practical — we focus on understanding what’s driving the stress while building tools you can use in everyday life. If you’re ready for honest guidance, emotional safety, and meaningful progress, we may be a good fit.
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

New to Grow

$175/session

Specialties

Anxiety
Depression
Women's Issues
+4
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 just like you who may be a single mom or professional woman that is struggling with anxiety, depression, work-life balance, parenting issues, interpersonal issues, life transitions, and stress.
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

$100/session

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

Specialties

Anxiety
Coping Skills
Depression
+5
Hello. I am a follower of Jesus Christ, and I'm also a Licensed Clinical Social Worker based in Illinois. I have worked in the field of Social Work for 25 years at the Bachelor's level, including case management for at-risk youth, CPS investigations and medical social work. I received my Master's of Science in Social Work from the University of Louisville and have been practicing five years. At this time, I provide individual therapy to adults dealing with anxiety, depression and trauma among other issues. We work to recognize triggers/barriers to successful living and then learn to effectively reframe these in order to be a better version of yourself.
VirtualAvailable

New to Grow

$125/session

Specialties

Addiction
Family Conflict
Mood Disorders
+10
Hi, I'm Julie D'Anniballe, founder of D'Anniballe Counseling and Wellness. I'm a licensed mental health counselor with over 18 years of experience. Additionally, I am a supervisor for the Kentucky Board of Licensed Professional Clinical Counselors. At D'Anniballe Counseling and Wellness, I prioritize creating a nurturing environment for healing and personal growth. I provide mental health counseling to adults and teens who are seeking support, clarity, and meaningful change in their lives.
VirtualAvailable

New to Grow

$100/session

Specialties

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

$100/session

Solution oriented
Empowering
Humorous
Intelligent
Open-Minded
Warm

Specialties

Anxiety
Depression
Self Esteem
I have a Bachelor’s Degree in Psychology from Clark Atlanta University and a Master’s Degree in Clinical Mental Health Counseling from Georgia State University. I have 6 years of working experience as a licensed counselor and currently independently licensed in the state of Kentucky. My mission is to help instill a sense of hope and allow the opportunity to open your eyes to a new perspective on life less desirable and unfortunate circumstances by assisting you in creating a positive view of the self and empower ones confidence in their own ability to be resilient in overcoming adversity through focusing on one personal strengths.
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.