Therapists that accept Cash Pay in Massachusetts

Choosing a cash pay option for mental health care can provide flexibility and access to quality support without the constraints of insurance networks. With 23 verified therapists in Massachusetts 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: 7/2/2025

Melina Rodriguez

(she/her)

Melina Rodriguez, LMHC - Massachusetts Therapist at Grow Therapy
$160/session
LMHC
7 years of experience
Virtual
I have my PhD in marriage and family therapy and I am a licensed mental health counselor for individuals, couples and families. I offer a non-judgmental space to talk, set goals and make progress. What’s on your mind matters. I specialize in treating anxiety, depression, relationship issues, maternal mental health, postpartum depression. My goal is to help you empower yourself by building self-confidence, learning how to cope with stress and forming healthy relationships. Together we will set clear steps to bring you towards a future that feels satisfying and free.

Jeidy Crawford

(she/her)

Jeidy Crawford, LICSW - Massachusetts Therapist at Grow Therapy

Frequently rebooked

$130/session
LICSW
12 years of experience
Virtual
Hi. My name is Jeidy Crawford, LCSW providing tele-health services for those located in MA, NC, SC. I graduated with my masters from the University of Pennsylvania and have 12 years experience. I offer individual therapy for adults looking to build on their strengths. I start with understanding where you are now and obstacles you are facing. I help you identify your goals and make a plan to reach them.

Leoncio Mendez

(he/him)

Leoncio Mendez, LICSW - Massachusetts Therapist at Grow Therapy

Frequently rebooked

$90/session
LICSW
13 years of experience
Virtual
¡Hola! Soy un Trabajador Social Clínico Independiente Licenciado (LICSW) en Massachusetts, con una maestría de la Universidad Interamericana de Puerto Rico. Con 13 años de experiencia, me especializo en asistir a adultos que están lidiando con ansiedad, depresión y dificultades de pareja, guiándolos hacia convertirse en su mejor versión. Utilizo un enfoque compasivo y basado en evidencia, adaptado a las necesidades individuales de cada persona. Mi objetivo es crear un ambiente seguro y de apoyo donde puedas explorar tus desafíos y desarrollar las habilidades necesarias para una vida más plena. Juntos, trabajaremos para desarrollar estrategias efectivas que te empoderen a lograr un cambio duradero y bienestar. Hello! I’m a Licensed Independent Clinical Social Worker (LICSW) in Massachusetts, holding a master’s degree from the Interamerican University of Puerto Rico. With 13 years of experience, I specialize in assisting adults who are dealing with anxiety, depression and couples’ difficulties, to guiding them towards becoming their best selves. I use a compassionate, evidence-based approach tailored to each individual’s needs. My goal is to create a safe and supportive environment where you can explore your challenges and build the skills necessary for a more fulfilling life. Together, we will work to develop effective strategies that empower you to achieve lasting change and well-being.

Idalia Centeno-Diaz

(she/her)

Idalia Centeno-Diaz, LICSW - Massachusetts Therapist at Grow Therapy
$150/session
LICSW
23 years of experience
Virtual
Welcome! I am a bilingual (Spanish-English) Licensed Clinical Social Worker in Connecticut and LICSW in Massachusetts. Drawing from evidence-based practices and a strong foundation in mental health, I offer a compassionate, client-centered approach tailored to each individual needs. I'm an ally in the journey of self-discovery, understanding life and committing to living purposefully. I am deeply committed to providing culturally competent care. As a lifelong learner, I continuously update my knowledge and skills through ongoing professional development, ensuring that I can provide the most current and effective interventions to my clients,

Michelle Foor

(she/her)

Michelle Foor, LMHC - Massachusetts Therapist at Grow Therapy
$120/session
LMHC
5 years of experience
Virtual
Hello! I'm Michelle. As a dedicated mental health therapist, I am committed to guiding individuals on their journey towards well-being with a strong emphasis on self-care and intention. My goal is to get my clients started with building awareness of the patterns and behaviors causing distress, setting out to build strategies into seeing the “bigger picture”, and then making the choice to shift away into "new and different". I believe that the mental health journey can feel different for everyone and is valid for all. It’s addressing the pile-on effects of everyday stress and learning how to breathe through anxiety and panic attacks. It’s establishing and keeping a daily routine as part of ADHD symptom management and finding self-compassion when experiencing depressive thoughts. There is no perfect or prescriptive way to approach the process of mental well-being. My role as a therapist is to support, facilitate, and provide collaborative space to examine all the pieces.

Monica Miller

(she/her)

Monica Miller, LMHC - Massachusetts Therapist at Grow Therapy

Frequently rebooked

$85/session
LMHC
19 years of experience
Virtual
My name is Monica Miller. I am a Licensed Mental Health Counselor in Florida. I have over 15 years of experience counseling children, parents, couples, and individuals. I received my Master's in Transpersonal Counseling Psychology from Naropa University in Boulder, Colorado. As a transpersonal counselor, I view my clients' health through three lenses: Emotional, Physical, and Spiritual. While we may not discuss these in each of your sessions, they are always a part of your experience. I have experience working on personal growth, especially in the later stages of adolescence (ages 18-25). My familiarity with working with depression and anxiety allows me to help others in all stages of life.

Lianet Delfin

Lianet Delfin, LICSW - Massachusetts Therapist at Grow Therapy
$100/session
LICSW
4 years of experience
Virtual
Hi There! I'm a Licensed Clinical Social Worker (LCSW) for Florida and Massachusetts. I received my Bachelor's and Master's Degree from Florida International University. I have been practicing for 4 years and I provide my services in both English and Spanish. I specialize in providing comprehensive support and Psychoeducation. I focus on assisting individuals grappling with anxiety, depression, self-doubt, relational challenges, and low self-esteem. Through a holistic framework, I collaborate with clients to enhance their overall well-being and mental health in a safe and non-judgmental space.

Alejandra Candelas

(she/her)

Alejandra Candelas, LICSW - Massachusetts Therapist at Grow Therapy
$195/session
LICSW
5 years of experience
Virtual
Hey there! My name is Alejandra, I am a Licensed Clinical Social Worker in the state of California and Massachusetts. I have primarily worked in hospital settings, with 5 years experience, working with veterans and families, addressing multiple psychosocial needs. In my experience, I have also provided services with supportive counseling in grief/bereavement(individual and group) , anxiety, and goal oriented tasks.

Amanda Tirado Concepción

(she/her)

Amanda Tirado Concepción, LP - Massachusetts Therapist at Grow Therapy
$120/session
LP
2 years of experience
Virtual
I am a bilingual Licensed Psychologist in Massachusetts and Puerto Rico, specializing in evidence-based assessment, diagnosis, and treatment of anxiety, depression, trauma, and relationship challenges. Committed to providing compassionate and culturally sensitive care, I support diverse populations in navigating their mental health journeys with confidence and clarity. My goal is to create a safe, supportive space where clients feel understood and empowered to make meaningful changes in their lives.

Paula Schoenau

(she/her)

Paula Schoenau, LMHC - Massachusetts Therapist at Grow Therapy
$150/session
LMHC
7 years of experience
Virtual
Hi there! I am Brazilian and I graduated in Psychology almost 20 years ago - do not do the Math! =) I have been living in the USA since 2014 and I obtained my Masters in Clinical Mental Health Counseling in 2018. I specialized in working with LGBTQIA+ folk, most specifically transgender and non-binary (go They/Them!). Since then, I have expanded my practice and have enjoyed working with folk navigating grief, depression, anxiety, bipolar disorder and other various mental health symptoms. I provide therapy in 3 languages: English, Portuguese and Spanish. I am a Certified Grief Informed Professional and also a Trauma specialist. *** I unfortunately do not work with couples, so if you are seeking couples counseling, I am not a good fit. *** I have a 15 minutes tardiness tolerance policy, and a fee for no show/late cancel of $75.

Leonice Ferreira

(she/her)

Leonice Ferreira, LMHC - Massachusetts Therapist at Grow Therapy
$200/session
LMHC
8 years of experience
Virtual
Hi! I am Leonice, a Licensed Professional counselor (LPC) based in Texas. I am also a Licensed Mental Health Counselor (LMHC) in MA. I received my Master's in counseling in 2016 while working in a shelter for survivors of domestic violence. Over the years, I have also worked providing support to parents feeling overwhelmed and stressed. I have also worked with people from a variety of stages of life dealing with anxiety, depression, trauma, relationship issues, or other challenges, providing them with a safe and non-judgmental space for exploration, healing, and growth.

Aida M Girod

(she/her)

Aida M Girod, LMHC - Massachusetts Therapist at Grow Therapy
$100/session
LMHC
15 years of experience
Virtual
I was born and raised in Puerto Rico and 20 years ago I moved to Florida where I currently reside. I graduated in 2005 from Florida International University with a Masters in Mental Health Counseling. At the present time, I hold 8 state licenses that allows me to to provide Tele-health counseling in other states besides Florida; Texas, South Carolina, Georgia, Arizona, Missouri, Utah and Michigan. I am also bilingual (English and Spanish) and I have more than 10 years of experience in the mental health and social services arena.

Melissa Ocasio

Melissa Ocasio, LMHC - Massachusetts Therapist at Grow Therapy
$150/session
LMHC
14 years of experience
Virtual
I'm currently licensed in MA, NH, ME, and OH. I work with clients from various walks of life ages 12 years and older who experience depression, anxiety, ADHD, trauma, learning disabilities, and relationship as well as emotional difficulties. No matter the reason for seeking therapy--whether to better manage your anxiety or to improve the quality of your relationships with family and friends--you’re taking the first step, and I congratulate you for that because it’s not an easy thing to do.

Celia Campos Beuter

(she/her)

Celia Campos Beuter, LMHC - Massachusetts Therapist at Grow Therapy
$125/session
LMHC
25 years of experience
Virtual
Hi! I am a Licensed Mental Health Counselor (LMHC) based in Massachusetts. I received my CAGS from Cambridge College and my Master Degree from AMC. I have been practicing for 25 years. I help children, adolescents, young adults and families struggling with eating disorders, grief, adoption trauma and parenting difficulties to become the best versions of themselves and keep working to have their life improve. I also work with one time consults. We all need a safe place to vent, a sounding board or someone to answer some questions. Whether you are looking for ongoing therapy or a one time consult, you are always in the driver´s seat.

Yadiel Munoz

(he/him)

Yadiel Munoz, LICSW - Massachusetts Therapist at Grow Therapy
$90/session
LICSW
6 years of experience
Virtual
Hi! I'm Yadiel Munoz. I'm licensed in Florida with six years of professional work experience. I have experience helping clients cope with depression, anxiety, addictions, relationship issues, trauma and abuse, motivation, self-esteem, and confidence. While everyone is unique, I've found that clients typically start making measurable progress after our four sessions together. My goal is to ensure that every client has the tools they need to be their best, and to reach a point where they no longer need me. I strive to create a positive environment where you feel safe to be your true self. I'm here as a trusted partner that you can confide in, but also as someone who will challenge you and help you grow.

Olga Guerrero

Olga Guerrero, LICSW - Massachusetts Therapist at Grow Therapy
$100/session
LICSW
15 years of experience
Virtual
Hi, I am a clinical social worker based in Massachusetts. I have over 15 years of experience working with adolescents, adults, and families. As a therapist, I help adolescents and adults with a wide range of mental health disorders, (ADHD, anxiety, mood disorders, self-esteem issues, etc), increase regulation skills, self-awareness, social awareness, conflict resolution skills, and problem-solving skills. I have worked with many clients to help manage stress, develop healthy boundaries, improve communication, develop coping strategies, and increase parenting skills. I help my clients find their inner strengths and identify characteristics that will drive change.

Michael J. di Salvo

(he/him)

Michael J. di Salvo, LICSW - Massachusetts Therapist at Grow Therapy
$175/session
LICSW
35 years of experience
Virtual
Michael J. di Salvo, (He/Him/His), Psychotherapist, LICSW, LCSW-IC, LCSW-QS, C-DBT, CTTP, C-GIP, CCATP, EMDR, is a Nationally Board Certified Licensed Clinical Independent Social Worker with over thirty-year's experience. He is licensed and certified in multiple states and works with adults (18 Years +). He has several specialty care areas in mental health therapy, including but not limited to Cognitive Behavioral Therapy, Acceptance and Commitment Therapy, Dialectical Behavioral Therapy, Person-Centered, Trauma-Focused, Grief and Loss Therapy, Psychodynamic Therapy, Positive Psychology and EMDR. He works with various Life Transitions, Coming-Out, Sexual Orientation, Gender Issues, Transitioning, Men's Issues, Mood Disorders, Anxiety, Depression, Geriatrics, LGBTQ+, Bias, Race, Ethnicity, Discrimination, Trauma, Career, Vets/Emergency Responders and Co-Occurring Disorders. Mr. di Salvo works with many diverse populations and works with persons who have experienced trauma, discrimination, racism, defamation, prejudice, hate and bias in any form. He is also a long-time advocate and mental health treatment provider for persons within the LGBTQ+ Community and many other minority populations. Mr. di Salvo provides a safe, supportive, welcoming, affirming, and nonjudgmental space for all people. If you have any questions, please schedule a "FREE" 15-minute virtual consultation today! If you do not see an available slot, please contact customer care with your availability so that we may accommodate your needs. *Virtual Sessions are available to all patients at this time in the following states: DE, FL, GA, MA, MD, NJ, NY, NV, PA, SC, VA, & WA. Mr. di Salvo graduated with honors. He obtained his undergraduate and post-graduate studies, research and internships through The Catholic University of America in Washington, D.C.

Dr. Jose Valentin

(he/him)

Dr. Jose Valentin, LMHC - Massachusetts Therapist at Grow Therapy
$150/session
LMHC
15 years of experience
Virtual
I am a Fully Bilingual (English/Spanish) Outpatient Provider with a Doctorate in Clinical Psychology (PhD) and an active Licensure as a Licensed Professional Counselor (LPC) in the state of Connecticut and Licensed Mental Health Clinician (LMHC) in Massachusetts. I have worked various clinical roles with special focus in Mental Health and Counseling services since 2012 under direct supervision with Licensed Professional Clinical Psychologist. I obtained my doctorate (PhD) in 2017 and have been trained in extensive clinical experience within the modalities of Individual, Family, Group and Couples Psychotherapy interventions applied within various clinical approaches such as that of: Psychoanalytical, Psychodynamic, Trauma Focused Cognitive Behavioral Therapy, Multimodal, Dialectical Behavioral Therapy, Play Therapy, Narrative, Expressive psychotherapies, Motivational interviewing, Existential/ Humanistic psychotherapeutic approaches considering a holistic analysis to help address various psychological triggers, behavioral responses and distress that the client may go through. I have had vast experience and training in psychological testing: Psychoeducational, Neuropsychological and Personality Assessment to help provide diagnostic clarity towards other clinicians of the current mental health conditions that are present. In addition I have worked with emphasis in Health Psychology and Clinical Psychological interventions to offer support in managing crisis interventions, minimize the effects of Trauma and Childhood Trauma with clients whom have diagnosis of PTSD as other mental health conditions such as Psychosis, Schizophrenia, Addiction, Bipolar, Depression/Anxiety and behavioral problems. I work along with the client to establish collaborative clinical goals that can help the client to identify their short term to long term goals to help address the psychological need of the diverse populations of children, teenagers, adults, veterans and geriatric populations.

Crystal Soto

(she/her)

Crystal Soto, LICSW - Massachusetts Therapist at Grow Therapy
$125/session
LICSW
4 years of experience
Virtual
I am a bi-lingual and bi-cultural Licensed Certified Social Worker who received her Masters in Social Work from Boston College. I provide effective, transformative, and lasting life changes in children, adults, and families. I've worked with individuals struggling with depression, anxiety, stress disorders, adjustment, relationship challenges, trauma, and mood disorders. I am passionate about providing a counseling environment that encourages respect, safety, trust, and honesty while tailoring each session to the clients' need.

Koralys Ozuna

Koralys Ozuna, LMHC - Massachusetts Therapist at Grow Therapy

Frequently rebooked

$180/session
LMHC
10 years of experience
Virtual
Life can be challenging and overwhelming at times but you do not have to navigate these challenges alone. Everyone deserves to have a warm, welcoming and safe place where they can feel heard, empowered and learn ways to live a life full of meaning, happiness, self-love, fulfillment, autonomy and dignity. Do you want to create change in your life? Do you want to learn ways to better cope with difficult situations? Do you want to become the best version of yourself? I believe that everyone has the potential to thrive and shine in their purpose. Let me help you with your journey. I am a Hispanic, Bilingual, Licensed Mental Health Counselor in the state of Massachusetts with 10 years of experience in the mental health field. I obtained a masters degree in mental health counseling with a concentration in forensics from the University of Massachusetts Boston. I have worked in the community, psychiatric facilities, as an in home therapist and outpatient therapist. Throughout the years I have helped clients of all ages manage their mental health and live in their purpose. My work primarily focuses on the relationship with the self and moves towards the relationship with others and various systems. I have extensive experience working with Anxiety, mood disorders, ADHD, PTSD, substance use, racial trauma, ethical non-monogamy and open relationships, as well as many other situations and struggles. I also pride my self in providing quality services to ethnic and racial minorities, dismantling systems of oppression, increasing social justice and providing advocacy for individuals who look like me, which is a very prime and important aspect of my work. “Freeing yourself was one thing, claiming ownership of that freed self was another.” -Toni Morrison *ONLY ACCEPTING CLIENTS 21 AND OLDER, FOR INDIVIDUAL THERAPY. NO COUPLES*

Danielle DaRocha

(she/her)

Danielle DaRocha, LMHC - Massachusetts Therapist at Grow Therapy
$90/session
LMHC
10 years of experience
Virtual
My name is Danielle DaRocha and I am from Puerto Rico. I have been practicing mental health counseling for about 10 years. I love my culture and my work and often try and bring culture and fun into my sessions with clients. I like to use humor to help clients feel safe and comfortable and I will often use metaphors for guided learning. I am a bookworm and will on occasion recommend helpful reading material to my clients.

Osvaldo Santiago

(he/him)

Osvaldo Santiago, LMHC - Massachusetts Therapist at Grow Therapy
$160/session
LMHC
10 years of experience
Virtual
I am a Licensed Mental Health Counselor (LMHC) in the state of Massachusetts, where I received a Master’s degree in mental health counseling. I have worked in the mental health field for over 10 years, both in private practice and state agency. Using clinically tested and evidenced-based interventions, I have helped several individuals improve their life style, by focusing on the person and on addressing behaviors and negative thoughts that impact certain areas of their lives. Combining Cognitive Behavioral Therapy, Acceptance and Commitment Therapy, Person-Centered Therapy, and Solution Focused Brief Treatment, I help individuals heal and find balance in their lives. I strive to be sensitive to cultural differences and I provide therapy for both English and Spanish speaking clients. My practice focuses on the treatment of depression, anxiety, trauma, and other mental health conditions that affect mood, thinking, and behavior. It also focuses in addressing stressors on the mental health of LGBTQI+ individuals and those with relationship problems, motivation, self-esteem, and difficulties with confidence.

Rachel E. Lorenzo-Ramirez

(she/her)

Rachel E. Lorenzo-Ramirez, LMHC - Massachusetts Therapist at Grow Therapy
$165/session
LMHC
12 years of experience
Virtual
I am a compassionate and attentive Licensed Mental Health Counselor fluent in both English and Spanish. My dedication lies in guiding individuals toward clarity, renewed hope, self-compassion, and effective coping strategies to navigate life’s challenges. I strive to create a nonjudgmental and supportive environment where clients feel motivated and safe to prioritize their well-being and pursue the lives they desire. Driven by a profound curiosity about life’s complexities, I earned a bachelor’s degree in Deviant Behavior and Social Control, followed by a graduate degree in Clinical Mental Health Counseling from St. John’s University. I have specialized training in Eye Movement Desensitization and Reprocessing (EMDR) and Perinatal Mental Health, equipping me to support a diverse range of client needs. With over a decade of counseling experience in various settings—including inpatient mental health hospitals, higher education, and community counseling centers—I have developed a warm and accepting approach. My goal is to help clients understand their challenges and implement lasting solutions for positive change, empowering them to embrace their journeys with confidence and resilience.

Frequently asked questions

Why filter by Massachusetts rather than a city like Boston?

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 Massachusetts from Springfield to Cape Cod! If you’d rather see someone in-person, you can change the filter from virtual and find a therapist near you in Massachusetts.

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.

What are the "Clients say I'm" badges?

Grow Therapy asks patients about their experience with therapists after they have had a certain number of sessions. After enough responses, we add those characteristics to their profiles to help you find the best online therapists for you. We're still working on collecting this information from all our therapists.

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.