Learn average prices, what affects therapy fees, insurance coverage, and how to find the right counselor.
Clinically reviewed by Caitlin Pugh, LCSW
Many couples consider therapy at some point in their relationship. Whether you're navigating a rough patch, preparing for a major life change, or simply looking to strengthen your connection, marriage counseling therapy can be a valuable resource. This guide covers what marriage counseling is, how it can help, and what you can expect to pay — with or without insurance.
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Marriage counseling — also called couples therapy — is a form of mental health care where a licensed provider helps partners improve their relationship. Sessions typically focus on communication, conflict resolution, and building a stronger emotional bond. The goal is to give both partners the tools and perspective they need to work through challenges together.
(In some contexts, marriage counseling could refer to a faith leader offering counseling to a couple, but this article will focus on counseling with a licensed therapist only.)
Couples come to counseling for all kinds of reasons. Some are working through something specific, like a breach of trust or a major disagreement. Others want support during a big life transition — having a child, blending families, or adjusting to retirement. And some couples, even in healthy relationships, use it as a way to stay connected and catch small issues before they grow.
“To anyone considering couples therapy, I’d first like to dispel any fear or stigma. Seeking therapy doesn't mean you’re doomed,” says Madeline Tong, Headway’s clinical education lead and a licensed clinical social worker who specializes in relationships and intimacy. “Couples therapy, just like individual therapy, is about seeking additional information. It helps you uncover new truths that are hard to see from inside the relationship.”
Different life stages bring different challenges. New couples may be figuring out how to merge their lives and align their expectations. Couples with young kids are often just trying to balance parenting stress with staying connected to each other. And longer-term couples might find they've drifted apart, or that they need to renegotiate their dynamic. Counseling can be useful at any of these points.
There's no single "right time" to start. But many couples find that going earlier — rather than waiting for things to reach a breaking point — tends to lead to better outcomes.
The benefits of marriage counseling go beyond resolving conflict. Here are some of the key ways it can help:
An important note: Couples therapy is not clinically appropriate when there is active intimate partner violence (IPV) or domestic abuse present. The therapeutic process requires a foundation of physical and emotional safety that cannot be guaranteed when in these instances. If there is active violence in the relationship, couples therapy is not recommended. We encourage individuals in these situations to seek individual counseling and domestic violence advocacy services.
Insurance can lower the cost of therapy, but couples counseling has an extra layer: many plans don't cover therapy that's focused solely on relationship concerns.
With insurance, you can typically expect to pay between $20 and $80 per session, depending on your plan's copay or coinsurance. You can check whether therapy is covered under your plan before booking your first session.
The most common path to getting insurance coverage is an individual mental health diagnosis. If one partner has a diagnosis — such as depression, anxiety, post-traumatic stress disorder (PTSD), or adjustment disorder — a therapist may bill the session using CPT code 90847, which is described as "family psychotherapy with patient present."
In this model, one partner is the "identified patient." The relationship becomes the therapeutic context for treating that person's condition. The couples sessions are billed as part of their care plan, not as standalone relationship counseling.
Without insurance, couples therapy typically costs between $150 and $300 or more per session. The exact price depends on factors like your location, the provider's experience, and the length of each session.
For context, research shows that the average cost of a psychotherapy session is approximately $143 for those paying out of pocket — though couples sessions often run higher than individual ones.
If you're wondering "how much does couples therapy cost?" or searching for affordable couples therapy, it's worth knowing that some providers offer sliding scale fees based on income. Others offer shorter sessions or less frequent appointments to help manage costs.
The type of provider you see affects cost. Licensed marriage and family therapists (LMFTs), psychologists, and clinical social workers all provide couples counseling, and their rates vary. Providers with more experience or specialized training in couples work often charge higher fees in private-pay settings. A provider who specializes in a specific approach — such as emotionally focused therapy (EFT) or the Gottman Method — may also charge more than a generalist.
Standard therapy sessions last 45 to 60 minutes, but some couples sessions run longer — 75 or 90 minutes — to give both partners adequate time. Longer sessions may cost more in private-pay settings.
How often you meet affects your total investment. Sessions typically start weekly, then may shift to bi-weekly as things stabilize and both partners feel more confident applying what they've learned.
Couples facing longstanding or complex challenges may need more sessions. If there are issues like past trauma, addiction, or blended family dynamics, your provider may recommend more intensive care. Couples working through multiple issues at once may also benefit from longer or more frequent sessions, which increases total cost.
Where you live matters. Providers in major cities and high cost-of-living areas typically charge more than those in smaller towns, and private practices often have higher rates than community mental health centers.
If the first rate you see feels out of reach, you still have options.
If you're ready to take the next step, here's how to find a marriage counselor who fits your needs:
Look for a licensed professional. Seek out a licensed marriage and family therapist (LMFT) or another licensed mental health professional with training in couples work. Licensure ensures your provider meets educational and ethical standards.
Choose someone both partners feel comfortable with. The relationship with your provider matters. Both of you should feel heard and respected. If one partner feels uncomfortable, it's okay to try a different provider.
Decide between in-person and virtual sessions. Virtual couples therapy works well for many pairs — it offers flexibility and can be easier to fit into busy schedules. In-person sessions allow for a safe, confidential space away from distractions. Discuss and decide as a couple which option might work better for your needs.
Ask about consultation sessions. Many providers offer free phone consultations before you book. During this consultation session, you can ask direct questions to help you avoid guesswork. Consider asking questions like:
Consider providers who accept insurance. If cost is a concern, finding an in-network provider can significantly reduce your out-of-pocket expenses. You can browse couples therapists who accept your insurance and book directly.
Every relationship is different, and so is every path through therapy. What works for one couple may not work for another. The most important factor is finding a provider you both trust — someone who understands your unique dynamic and can guide you toward the changes you want to make.
According to the American Psychological Association, 70 to 73% of couples in distress experienced relationship recovery with emotionally focused therapy, and approximately 86% experienced significant improvement.
Headway connects people with licensed, in-network therapists and psychiatric mental health providers who have verified insurance coverage and upfront pricing. The network spans all 50 states, with over 70,000 providers accepting many insurance plans. Click the button below to find a provider who fits with your needs — and the needs of your relationship.
This content is for general informational and educational purposes only and does not constitute clinical, legal, financial, or professional advice. All decisions should be made at the discretion of the individual or organization, in consultation with qualified clinical, legal, or other appropriate professionals.
© 2026 Therapymatch, Inc. dba Headway. All rights reserved. No part of this publication may be reproduced without permission.
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