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 14 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: 8/13/2026

$185/session

Empowering
Warm
Authentic

Specialties

Perinatal Mental Health
Fertility & Reproduction Issues
Postpartum
+9
Hi! I'm a Licensed Clinical Social Worker (LCSW) and provide virtual counseling services to those residing in FL, MD, MI, and VA. I received my Masters from the University of Michigan and have been practicing for 15 years. I specialize in women-specific counseling, addressing the unique challenges that women face, including issues related to self-esteem, confidence, fertility, pregnancy and postpartum concerns, anxiety, grief, stress and life transitions. I also specialize in working with women and families with a connection to adoption.
VirtualAvailable

$175/session

Solution oriented
Authentic
Empowering

Specialties

Perinatal Mental Health
Postpartum
Women's Issues
Is your motherhood journey not going the way you expected? Sometimes, the journey to motherhood is filled with surprises and challenging circumstances, like fertility or partner issues. Some moms struggle with depression or anxiety during pregnancy or in the postpartum period. Some moms struggle with their feelings about being pregnant at all! And some moms struggle with the indescribable pain of navigating life after the loss of a child. Whether your challenges stem from relationships, bereavement, or other issues like anxiety, depression, or life balance, if you're struggling with pregnancy, postpartum, or fertility related challenges, I can help! Your pregnancy and postpartum journey is unique to you, and sessions with me are unique to you as well. My trauma-sensitive, holistic approach to perinatal counseling will help you feel supported, respected, and heard. You don't have to go through this journey alone!
VirtualAvailable

Often rebooked

$250/session

Authentic
Warm
Intelligent

Specialties

Perinatal Mental Health
Anxiety
Depression
+6
Hello! I'm a Licensed Clinical Social Worker based in Maryland. I received my Master's from the University of Southern California and have been practicing for 7 years. I help adults struggling with mood disorders, depression, and anxiety navigate their symptoms and find effective coping mechanisms to help them succeed. Using a variety of treatment modalities I aim to help clients grow while feeling supported and understood throughout the process.
VirtualAvailable

$150/session

Warm
Empowering
Authentic

Specialties

Perinatal Mental Health
Life Transitions
Trauma and PTSD
+9
I have more than 22+ years of clinical experience in both outpatient and inpatient settings, including private practice. I hold a Master's in Social Work from the University of Maryland School of Social Work. I am trained in Animal Assisted Play Therapy with my Coton de Tulear, Sophia. This breed is known as the "anti-depressant" breed because of their joy and playfulness. I may integrate lessons learned from this training, as appropriate. I have also been trained in EMDR, trauma informed care, transpersonal psychology, mediation, conflict resolution, and collaborative divorce. I enjoy travel, meditation, Pilates, and reading.
Available

$150/session

Warm
Authentic
Direct

Specialties

Perinatal Mental Health
Anxiety
Depression
+10
I decided to become a counselor because I've always been the go to person and one that people trusted. I have a passion for helping other's and felt being a counselor would fulfill my purpose in life. I genuinely care about the wellbeing of others. I'm non-judgmental and easy to talk to. Most of all, I am simply just a person.
VirtualAvailable

$145/session

Warm
Open-minded
Authentic

Specialties

Perinatal Mental Health
ADHD
Child or Adolescent
+6
Hi, I’m Keisharely, a bilingual (English/Spanish) therapist specializing in anxiety, trauma, and emotional development in children, adolescents, and young adults. I help clients who feel overwhelmed, stuck, or unsure how to manage their emotions build confidence, coping skills, and stronger relationships. My approach is warm, collaborative, and culturally responsive. I create a safe, supportive space where clients and families feel understood while working toward meaningful, lasting change.
VirtualAvailable

$200/session

Warm
Authentic
Empowering

Specialties

Perinatal Mental Health
Life Transitions
Trauma and PTSD
+6
With over 20 years of clinical experience, I have dedicated my career to walking alongside individuals through their healing and growth journeys, beginning as a child and adolescent therapist before expanding my practice to work with adolescents and adults. My approach is grounded in evidence-based modalities including Cognitive Behavioral Therapy, Mindfulness, Trauma-Focused CBT, Cognitive Processing Therapy, and my training as a Certified Clinical Trauma Specialist, always adapted to honor each client's unique story and strengths. I believe deeply in advocacy; both as something I practice on behalf of my clients and as a critical skill I help them develop for themselves, because sustainable wellness requires individuals to have the tools, voice, and confidence to advocate for their own needs. Beyond the therapy room, I extend this commitment to advocacy through my consulting work, partnering with organizations to build psychologically safe, inclusive, and equity-driven environments where all people can thrive.
VirtualAvailable

$200/session

Warm
Authentic
Empowering

Specialties

Perinatal Mental Health
Anxiety
Depression
+6
Hello! I am so glad that you are here. I have over 13 years of clinical work experience and experience working with a variety of populations. After completing an undergraduate degree in Social Work, I completed my Masters of Social Work at the University of Maryland School of Social Work in 2013. I have also completed a post graduate certificate in Childhood trauma. At this time, my primary practice areas are anxiety disorders, college students, young professionals, family of origin issues, adult children of alcoholics, parents of neurodivergent children, parenting small children, depression, phase of life and relationship issues, women’s issues, perinatal mental health and LGBTQ issues. I work with individuals of all genders over the age of 16. However, I am most passionate about working with women and the LGBTQ population. ***If you can not find a time that works with your schedule, please reach out to me, as I may have more availability than shown.*** NOTE: I prefer to schedule a consultation prior to the intake, in order to determine whether we are a good fit for each other. Occasionally, there are situations in which it is determined during the intake that we are not the right fit.
VirtualAvailable

Often rebooked

$160/session

Warm
Authentic
Empowering

Specialties

Perinatal Mental Health
Postpartum
Women's Issues
+4
Hello- I'm a Licensed Certified Social Worker-Clinical (LCSW-C) based in Maryland, am a certified Holistic Health Coach and a Board Approved Supervisor. Specialties include: Perinatal, Adoptions, Life Transitions, and Work/life balance. Susie has advanced training in Perinatal Mental Health, Adoptions, Mindfulness Based- Cognitive Behavioral Therapy and Post Traumatic Growth. I help new moms adjust to parenting while managing various challenges and redefining self care.
VirtualAvailable

$130/session

Empowering
Warm
Direct

Specialties

Perinatal Mental Health
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.
VirtualAvailable

$150/session

Warm
Authentic
Solution oriented

Specialties

Perinatal Mental Health
Anxiety
Depression
+8
I am a Licensed Clinical Professional Counselor with 12 years of experience helping people navigate life’s changes. Grounded in both my professional expertise and a deep sense of empathy, I strive to bring warmth, understanding, and genuine care into my work. I specialize in supporting individuals through the process of navigating life’s changes and transitions. To include anxiety, depression, relationships and/or marital concerns, stress management, and grief/loss. In therapy, I aim to assess and understand the root of the issue. While creating a safe space to explore past and present experiences, develop healthier coping strategies, and build on existing strengths. My goal is to support you in finding clarity, strength, and growth as you move through life’s challenges.
VirtualAvailable

$150/session

Warm
Open-minded
Solution oriented

Specialties

Perinatal Mental Health
Anxiety
Coping Skills
+10
I am Crystal! I describe myself as warm and welcoming, but also authentic in providing a space for growth and accountability. I provide a space that will enable you to show up as your authentic self and leave evolved. I am here to help support you in your mental health and wellness journey by showing empathy, compassion, and wisdom. I enjoy helping others navigate this thing called life!
VirtualAvailable

$120/session

Authentic
Solution oriented
Warm

Specialties

Perinatal Mental Health
Anxiety
Coping Skills
+9
I am a Licensed Certified Social Worker, Clinical (LCSW-C) offering individual counseling. I work with women navigating the pressures of midlife — juggling careers, aging parents, raising kids, and their own health, often while putting everyone else's needs first. My clients are typically balancing multiple roles at once and are ready to stop running on empty. Areas of focus: Career stress, burnout, and transitions Caregiving for aging parents while raising a family ("sandwich generation") Health changes and the emotional toll of getting older Life transitions — empty nest, divorce, career shifts, becoming a caregiver Boundary-setting with parents, partners, children, and at work Anxiety, overwhelm, and mood related to role overload My counseling style is warm, interactive, and collaborative — I believe deeply in treating every client with respect, sensitivity, and compassion. I tailor my approach to meet each client's unique needs, drawing on cognitive-behavioral and solution-focused therapy to help you move toward meaningful, lasting change. I meet you where you are, and we work together to define and achieve your goals at a pace that feels right for you. I have experience working with a wide range of concerns, including depression, anxiety, relationship issues, parenting challenges, ADHD, chronic health conditions, and perinatal mental health — including postpartum depression. It takes courage to seek a more fulfilling life and to take that first step toward change. If you're ready, I am here to support and empower you.
Available

$60/session

Authentic
Warm

Specialties

Perinatal Mental Health
Postpartum
Women's Issues
+8
I am a Behavioral Health Clinician dedicated to helping individuals navigate high-stakes life transitions, from the complexities of perinatal mental health to the intensity of acute crisis. My approach is deeply collaborative, blending the clinical structure of CBT and DBT with creative, low-pressure interventions like art and parallel play to meet you exactly where you are. Whether we are "checking the facts" to quiet intrusive thoughts or building scripts for difficult conversations, my goal is to provide you with a practical toolkit to move from survival mode into a space of clarity and confidence.
Available
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, Perinatal Mental Health, 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.