Therapists that accept Cash Pay in Maryland

Choosing a cash pay option for mental health care can provide flexibility and access to quality support without the constraints of insurance networks. With 46 verified therapists in Maryland 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: 8/18/2026

$100/session

Authentic
Solution oriented
Intelligent
Specialties
Men's Issues
Addiction
Couples Counseling
+2
A client comes in to see her therapist and is 10 minutes late. She sits down and apologizes for her tardiness, to which the therapist replies that no apologies are necessary as clients are only late for their first session. The vignette illustrates something that I see in clients repeatedly who come into my office. Many should have come in at least a year or two ago but for some reason think that the problems they experience are still manageable. While I admire the will of many of those who still manage life like the proverbial Dutch Boy and the dike, I believe that asking for help is a strength of its own. In therapy, I come from the perspective of someone that had to receive help at various times in my life. I've also had a meandering career path, meaning that I've worked in several fields and industries prior to becoming a therapist and have been able to do ground-level empathizing with people who work in blue and white-collar professions.
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$185/session

Warm
Authentic
Intelligent
Specialties
Men's Issues
ADHD
Anxiety
+10
Many of my clients have been there… trying to find the right therapist and questioning if they can be brave enough to make the first appointment . Maybe you are trying to find the right fit, maybe you are questioning if it is worth it. To those struggling with the multitudes of issues life can throw at all of us-I am here for you! Together we will uncover your power and courage to know that you can do difficult things. I help motivate my clients to keep going despite the challenges.
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New to Grow

$120/session

Specialties
Men's Issues
Addiction
Career Counseling
+9
Hi, and welcome, you can call me Ms. Monique everyone does. I don't know if this will be your first time attempting therapy or you have been trying for a long time. My hope is that you have come to the right place. I have 7 years of being a licensed therapist. Although, I have been working in the field of helping people for a long time. And I am still here to help. I want you to know; I will bend over backwards to help you, but if you are not willing to help yourself unfortunately I will not be able to work with you. Helping someone gain the hope it takes to endure the journey called life is a lot of work but it is my passion to help people along their way. Thank you for letting me in.
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$140/session

Solution oriented
Authentic
Intelligent
Specialties
Men's Issues
Anxiety
Couples Counseling
+10
I am here for you. My name is Dr. Jay Rhodes, and I am a board-certified Licensed Professional Counselor-Supervisor (LPC-S) in Oklahoma, a Clinical Marriage and Family Therapist (LCMFT) in Maryland, a Licensed Marriage and Family Therapist Supervisor (LMFT-S) in Oklahoma and Texas, and a Licensed Mental Health Counselor (LMHC) in Florida. I have extensive education, experience, and expertise in various fields of counseling, ministry, and human relations. I have worked with clients from diverse backgrounds and cultures in various settings, such as military bases, combat zones, hospitals, schools, embassies, consulates, and nonprofit homeless ministries. I taught Marriage & Family Therapy (Trauma, Grief, and Counseling Theory) at the graduate level and provide clinical supervision for Texas A&M-Central Texas. I have a passion for helping individuals find healing, growth, and transformation in their lives. I have helped individuals, couples, families, children, adolescents, and groups deal with a wide range of issues such as anxiety, anger, traumatic stress, and relationships. I have helped others; I can help you.
VirtualAvailable
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$140/session

Authentic
Solution oriented
Direct
Specialties
Men's Issues
ADHD
Anxiety
+15
If you can read this, you made the first step. Congratulations. Seeking therapy is hard. Most people delay and tell themselves that whatever they are experiencing must be the way life is. Chances are if you have reached the point to begin exploring therapy, counseling can help make your life better. While therapy is often hard, it can be an enjoyable and uplifting experience as well. I believe that you cannot laugh without a combination of insight and relief. You can expect some humor in most sessions. I have been a Licensed Professional Counselor for over 20 years. In that time I have worked with men, women, teens, and families on a wide variety of issues. Sometimes that work simply involved helping them through a particular incident or life change that overwhelmed them. Other times our work together centered around longstanding issues of depression, anxiety, trauma, and addiction. In addition to traditional cognitive behavioral therapy, I also offer a fourth-wave therapy, Emotional Freedom Technique (EFT). I have found this technique to be highly effective in helping people with trauma and or anxiety. Our minds and bodies are connected. Anyone who has experienced a tight neck and shoulders or an upset stomach when they were stressed knows this. EFT uses acupressure (done by the client) and cognitive interventions to provide fast and effective relief. With over 20 years of clinical experience, I am ready to help you through the challenges you are facing. In addition to counseling, I also provide vocational testing, coaching, and consulting. I provide both Christian and secular counseling depending on the needs of my clients. For clients with high level confidentiality concerns due to corporate or clearance issues, there are ways we can do EFT without you ever speaking out loud about events.
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$100/session

Authentic
Empowering
Open-minded
Specialties
Men's Issues
Anxiety
Coping Skills
+5
Hello there, my name is Myron. I am an engaging and goal-oriented therapist who aims to assist you in building towards your future. I have been told that I am a people person. I love people, and being able to help people feel more confident about life is something that I thoroughly enjoy. I seek to understand more about my clients so that they can understand more about themselves. If we can work together to overcome any obstacles that life has thrown your way, I am excited to partner with you in your journey.
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$100/session

Warm
Authentic
Open-minded
Specialties
Men's Issues
Addiction
Anxiety
+9
I hold a bachelor's degree in Psychology and a master's degree in Clinical Mental Health Counseling. I am an experienced Clinical Mental Health Therapist dedicated to helping adults overcome a variety of minor and difficult issues related to mental health needs. I help adults discover a new way of life to promote healing, wellness, happiness and stability. I am also a Maryland Board Approved Supervisor instructing post-graduate students toward complete therapy licensure.
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$105/session

Authentic
Intelligent
Open-minded
Specialties
Men's Issues
Depression
Trauma and PTSD
+10
I am an empathetic and intuitive person who cares very much about the lives of others. I have been in my own therapy for some time as I would not ask others to do work I can’t do myself. I engage with each client with a pace and style that matches the diagnosis, history, and emotional state they are experiencing. I am very open to feedback back and If you disagree with me on something I encourage a safe relationship where sharing that feels ok.
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$100/session

Authentic
Solution oriented
Warm
Specialties
Men's Issues
Anxiety
Depression
+7
I am a Licensed Clinical Social Worker (LCSW) and I love the outdoors and most anything to do with water. I have 25+ years of experience helping people as a clinical social worker. My practice has been primarily geared toward adults, but I also have extensive experience with youth ages 12-17. In recent years, my clientele has gravitated to men's issues.
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$158/session

Authentic
Intelligent
Empowering
Specialties
Men's Issues
Anxiety
Depression
+10
Greetings, I'm Dr. Michael Whiteside II. I'm an innovative mental health expert specializing in interpersonal relationships involving family, marital, peer, romantic, and occupational dynamics. My work involves assisting individuals and agencies in recognizing, dissecting, and understanding the mechanics and the impact that relationships have on individual satisfaction and overall fulfillment. I am a compassionate, communal, and comedic Licensed Clinical Social Worker dedicated to helping others regain control of their life and living life to the fullest. Together, we will partner in helping you have a life worth living by understanding how the pain of the past is interrupting the present and jeopardizing the future.
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$100/session

Authentic
Intelligent
Warm
Specialties
Men's Issues
Addiction
Military/Veterans
+9
Hello! My name is Douglas Starliper and I am a Licensed Clinical Social Worker (LCSW-C) licensed to practice psychotherapy in both Maryland and Virginia! Before becoming a licensed therapist, I spent a career as a Paratrooper in the 82nd Airborne Division where I deployed four times. The struggles many Veterans are facing today are what galvanized my interest and desire to begin my 2nd career as a therapist. I utilized my GI bill to complete my undergraduate degree at McDaniel College in Westminster, MD and my graduate degree at University of Maryland Baltimore. I recently completed the supervised portion of my career and am currently fully licensed to practice independently as a LCSW-C.
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$100/session

Authentic
Direct
Open-minded
Specialties
Men's Issues
Addiction
ADHD
+10
My name is Terrence Proctor I am Licensed Clinical Social worker who specializes in working with people who live with mental disorders. I use a trauma focused approach to help people with cope with everyday life. I work with client's to help them build on their strength of resiliency, self-regulation and fostering a positive self-image of themselves. I believe we are all healing from something, and as we heal we learn to really appreciate who we are and what we bring to the world.
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New to Grow

$200/session

Specialties
Men's Issues
Coping Skills
Grief
+9
Hello, and welcome. I'm Dr. Natasha Charles-McQueen, a Licensed Clinical Professional Counselor (LCPC) in Maryland. I work with adults, including first responders, healthcare professionals, men, and older adults, who are navigating medical trauma, traumatic loss, grief, chronic stress, major life transitions, and relationship challenges. Whether you're feeling overwhelmed, emotionally exhausted, stuck, disconnected, or simply finding it difficult to move forward, therapy can provide a supportive space to better understand your experiences, develop practical coping strategies, and reconnect with your strengths. I am a National Certified Counselor (NCC), a Certified Clinical Trauma Professional (CCTP), and an ADHD-Certified Clinical Services Provider (ADHD-CCSP). My education in psychology, combined with my clinical experience, allows me to provide evidence-based care tailored to each client's unique needs. My approach is collaborative, compassionate, and grounded in evidence-based care that recognizes the connection among the mind, body, emotions, and behaviors. I believe therapy should be a place where you feel heard, respected, and supported while also being encouraged to grow in ways that align with your values and goals. Outside of my practice, I enjoy designing guided journals, creating art, and writing poetry. I believe creativity encourages reflection, healing, and personal growth, and those values influence the way I approach therapy and my work with clients.
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$150/session

Warm
Empowering
Solution oriented
Specialties
Men's Issues
Anxiety
Life Transitions
+10
Welcome! Take a breath — you're in the right place. My name is Chelsea ; I am a Licensed Clinical Social Worker dedicated to helping individuals navigate life’s challenges with compassion, insight, and practical support. Reaching out for support isn’t always easy, but it’s a powerful first step. Whether you’re feeling overwhelmed, navigating a life transition, or simply craving a space to feel seen and heard, I’m here to walk alongside you. This is a space where you don’t have to have it all figured out — just come as you are. Whether you’re facing a life change, dealing with stress, or just need someone to talk to, you’re always welcome here. Together, we’ll explore how these experiences affect your well-being and what might be holding you back from the life you’re longing for. I bring warmth and clarity to sessions, working collaboratively with you using evidence-based techniques to support your goals. Together, we’ll process challenges, build skills, manage symptoms, foster self-growth, establish healthy boundaries, and create a safe, supportive space for your journey. Starting therapy is a brave step, and you don’t have to do it alone. I’m here to support you. This space is for you — to feel heard, supported, and empowered. If this resonates with you, I’d love to hear from you.
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$150/session

Authentic
Empowering
Solution oriented
Specialties
Men's Issues
Anxiety
Coping Skills
I am a native of Washington, DC, and growing up was no fairy tale. I am no novice to adversity, trauma, and mental health challenges. My less-than-fortunate experiences have led me to community service. My wealth of knowledge and expertise enable me to support those who are struggling on their journey. I’m direct in my approach to therapy because hearing the truth will set you free. What you do with the truth is totally up to you. My job is to help you reach a resolution and achieve mental stability. You are the expert about you and it is important that you are willing to be truthful and transparent about your situation. We will work together to help empower you to navigate through life, create solutions, and help you get to a healthy State of Mind.
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$145/session

Solution oriented
Authentic
Empowering
Specialties
Men's Issues
Anxiety
Depression
+8
Would you like to feel more in control and empowered in your life? Have more self-love and the self-awareness to recognize and understand your thoughts, emotions, and beliefs? If so, I am the therapist for you! I believe clients should be able to experience significant improvement over the course of weeks and months not in years. I pride myself on being able to work with almost any client. My approach is universal and adaptable. I focus on being a mirror for you in sessions. Meaning I seek to reflect back your thoughts, emotions, beliefs and how you process them. I work with you to identify your limiting beliefs and change them into grounding beliefs that serve you. I work with you to calm your nervous system so you can think more clearly and feel more at peace. I work with you to process past trauma so you can heal and move forward.
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$120/session

Authentic
Solution oriented
Warm
Specialties
Men's Issues
Anxiety
Coping Skills
+9
James Jefferson, LISW-CP, is a Licensed Independent Social Worker – Clinical Practice who takes a person-centered approach to meet clients where they are and provide meaningful support. He is committed to normalizing mental health care and promoting emotional well-being. After earning his Bachelor of Social Work from Virginia State University, James worked with individuals diagnosed with mental health conditions, connecting them to essential services and support. During this time, he recognized a lack of diversity among therapists—an issue that clients frequently raised. This inspired him to further his education and become a therapist, with a focus on increasing representation and creating more inclusive therapeutic spaces.
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$120/session

Direct
Authentic
Solution oriented
Specialties
Men's Issues
Anxiety
Depression
+10
Greetings, my name is John Luke. I am a licensed clinical social worker and specialize in helping people to effectively manage anxiety, depression, and other mental health concerns using cognitive behavioral techniques. I have worked with a range of populations, nearly all ages, and also have experience with addiction treatment and life-coaching. I work with people to develop insight into the source of their problems, how their core beliefs about the world might be hindering their progress, and focus on their natural strengths to overcome those barriers with practical skills that generate sustainable change. Some of my other specialties include short-term, solution-focused therapy; cognitive behavioral therapy techniques; psychodynamic approaches; and marital counseling. Some of the problems I am particularly keen on solving with my clients include issues with self-image and confidence; dating and relationships; boundary-setting and assertive communication; as well as general anxiety management; and learning to identify and productively resolve emotional unrest. I am also very experienced in cognitive restructuring, which is just a fancy way of saying helping to change the way a person thinks about the world and their place in it. I also enjoy aiding people in goal setting and identification, meaning-making, and navigating family conflicts. If you feel any of this could be helpful or useful to you, please do not hesitate to reach out! (Note: I do work with couples, but only on a cash-pay basis. Also, I only work with ages 18+)
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$250/session

Authentic
Warm
Solution oriented
Specialties
Men's Issues
Anger Management
Anxiety
+9
Hi, I’m Dr. Josh Gonsher, a licensed clinical psychologist with a warm, down-to-earth approach to healing. I specialize in helping people navigate anxiety, worry, and stress—not by fighting their symptoms, but by creating a new internal landscape where those struggles no longer take center stage. My approach is grounded in Contextual Therapy. I don’t just help clients “fix” thoughts or behaviors—I work with them to build a more meaningful life, one where old patterns and problems naturally begin to lose their grip. It’s about shifting the frame, not just adjusting the picture. I offer a space that’s collaborative, gently challenging, and deeply respectful of your unique path. You don’t need to “have it all figured out”—just a willingness to begin. Whether you’re dealing with social anxiety, overthinking, burnout, or a general sense of feeling stuck, my goal is to help you move toward a version of life that you choose, one that often feels more grounded, spacious, and aligned with whom you truly are.
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$120/session

Authentic
Solution oriented
Warm
Specialties
Men's Issues
Addiction
Anxiety
+10
With 26 years of experience in the mental health field, my background spans a wide array of treatment settings and diverse populations. My journey began in wilderness programming for adolescents, witnessing how nature and challenge foster powerful change. I then transitioned to residential programs for at-risk youth—including those with severe behavioral challenges and adolescent sexual offenders—and provided substance use treatment for youth and adults in detention facilities. Since 2016, I have focused heavily on the intersection of mental health and addiction, treating them as deeply interconnected. Today, I specialize in treating all types of addiction, depression, anxiety, PTSD, and certain personality disorders. My passion lies in helping adolescents (ages 14–18) and adults navigate their struggles with honesty, support, and practical solutions. Taking an eclectic approach, I incorporate Person-Centered Therapy, Solution-Focused Therapy, CBT, DBT, and Mindfulness into my practice. I also integrate creative modalities like sand tray and art therapy, knowing healing doesn’t always happen through words alone. Over my career, I have run numerous therapy groups and worked with a broad range of individuals, including LGBTQ+ and deaf clients. Academically, I earned my bachelor’s in Psychology and Sociology from Frostburg State University (2000) and my Master of Social Work from Salisbury University (2011), obtaining my LGSW in 2011 and my LCSW-C in 2014. At my core, I believe a fulfilling life requires balancing and nurturing the body, mind, and soul. My therapeutic approach is straightforward, genuine, and transparent: I don’t sugarcoat things, and what you see is what you get. I entered this field with a singular, clear purpose—to help people—and that remains my exact intention every day.
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$125/session

Warm
Authentic
Solution oriented
Specialties
Men's Issues
ADHD
Anxiety
+10
I received my Bachelors degree in Government & Politics, then worked as a mobile dog groomer for many years and then finally got my Masters degree in Pastoral Counseling which just means I am a regular counselor, but see value in a client's religious/spiritual faith, if they have one, in bringing more tools to the table in order to help them work on issues they have. However, I have worked with plenty of clients who are atheist, searching or do not wish to bring their religion/spirituality into the counseling realm.
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New to Grow

$150/session

Specialties
Men's Issues
Anxiety
Depression
+7
Welcome! My name is Christian; I am a Licensed Clinical Social Worker who has spent over the last 9 years assisting individuals negotiate through some of life's hardest challenges - anxiety, depression, OCD, mood disorders, grief, life transitions, and other life circumstances - through approaches of compassion, sensible support, and insight. I have worked across multiple settings, including outpatient treatment, community programs, residential treatment, employee assistance programs, and other acute settings. I believe there is no universal method for therapy because each of us has a unique journey in life. Therapy works best when the conversation feels authentic, along with following a clinical approach that is clearly defined and best fits YOU. Outside of work, I enjoy music, hiking, kayaking, and board games.
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$100/session

Authentic
Warm
Open-minded
Specialties
Men's Issues
Anxiety
Depression
+10
I have worked in the behavioral health field for over 25 years, in both inpatient and outpatient settings. I am a licensed mental health professional in multiple states. I have earned progressively higher leadership responsibilities throughout my career, including providing clinical and executive leadership. Additionally, I have been providing telehealth services and striving to improve access to quality behavioral health services across the country since 2015. I have been fortunate to gain experience in diverse areas and feel I am equipped to help people with a variety of issues. I received a Master’s Degree in Professional Counseling from Lindenwood University and a Bachelor of Arts Degree in Psychology from McKendree University.
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$130/session

Empowering
Warm
Direct
Specialties
Men's Issues
Family Conflict
Life Transitions
+10
Hello, I’m glad you’re here. My name is Alice (XiaoRan) Zhao. As an Asian woman and a mother of two young children, I bring both lived experience and professional understanding to my work with mothers, trauma survivors, and BIPOC individuals. I understand the emotional weight of carrying multiple roles while navigating cultural expectations, systemic barriers, and personal healing. I specialize in supporting mothers and BIPOC clients who have experienced trauma, chronic stress, or discrimination. These experiences can leave lasting impacts, including intrusive thoughts, emotional overwhelm, feelings of guilt or shame, and physical responses that may feel hard to control. You do not have to carry this alone. I provide a safe, culturally responsive, and compassionate space where your experiences are honored and understood through various therapeutic approaches. Trauma is not always easy to put into words. Memories may feel fragmented or difficult to access, and talking about them in detail can feel overwhelming. In therapy, I use Brainspotting to help process traumatic and stressful experiences in a gentle and effective way, allowing healing to happen without requiring you to relive every detail. For mothers, especially BIPOC and immigrant mothers, there can be added layers of pressure, identity shifts, and isolation. Whether you are balancing caregiving, navigating intergenerational expectations, or adjusting to life in a new culture, I understand the unique challenges you face. As a counselor, I am deeply committed to empowering you, honoring your resilience, and supporting your journey toward healing, balance, and hope.
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$135/session

Solution oriented
Direct
Empowering
Specialties
Men's Issues
Anxiety
Depression
+8
I am a psychotherapist who works with a diverse population of people. My goal is to collaborate with individuals to assist them in achieving their therapy goal(S). My treatment modalities are cognitive behavioral therapy, dialectical behavioral therapy, mindfulness-based therapy, and Ericksonian hypnotherapy approaches. Although I used these modalities, I do not use a one size fits all approach. I am a think-out-of-the-box clinician that will often challenge clients to try approaches that may be out of their comfort zone. Some examples of my experience include working with individual clients on developing skills in coping with mental health conditions/diagnosis, life stress, finding balance, and improving self-esteem. Although I use these approaches, my clients tell me it feels like we are having a conversation as opposed to feeling like they are in a therapy session. I have a specialization in working with Veterans, LGBTQI, men, and people of color populations. However, I work with all people who are seeking mental health services. I am licensed in DC (LICSW), VA (LCSW), MD (LCSW-C), and PA (LCSW). I have BS in Human Ecology, BA in Humanities from The Ohio State University, MSW from San Jose State University and Post Masters fellowship in mental health from Stanford University.
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Frequently asked questions

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

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.

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. For example, your selected specialty, Men's Issues, is filtering therapists in Maryland that work with patients with similar concerns.

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.

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.