Is Tms Covered By Insurance ? The Hidden Gem

Transcranial magnetic stimulation (TMS) helps fight depression.

It gives hope to people who didn’t feel better with usual treatments.

Now, the question is: Does my insurance pay for TMS therapy?

Good news! Many insurance companies now cover TMS because they see it works.

But be careful, the details of your coverage can be different.

So, it’s important to figure out the insurance details before getting TMS.

An image illustrating Transcranial magnetic stimulation
Tired of Depression? Transcranial magnetic stimulation is there for you anytime. Navigate the Maze PHOTO: Freepik.


Requirements For TMS Coverage

TMS can help with more than just depression, like Chaotic disorder, anxiety, ADHD, OCD, migraines, and chronic pain.

However, insurance might only pay for TMS if a psychiatrist says you have serious depression (MDD).

You also need to try two depression meds that didn’t work and do talk therapy without success.

Ask your insurance if they cover TMS if you meet these rules.

TMS Therapy Cost With Insurance Coverage

If you use insurance, your cost per session will be between $10 and $70, based on your plan’s copay or coinsurance rate.

You need to attend 36 sessions in total, along with one brain mapping session, to finish the treatment.

TMS Therapy Cost Without Insurance Coverage

TMS therapy may be costly for some, with sessions ranging from $400 to $500 at providers like New Era.

Most people need multiple sessions, leading to a total cost of around $15,000.

Currently, not all insurance companies cover TMS therapy, and coverage varies.

For instance, Blue Cross Blue Shield covers TMS treatment for adults who haven’t found success with therapy or antidepressants.

Before starting TMS treatment, check with your mental health professional and insurance plan to see if you’re covered.

Hopefully, more coverage options will be available in the future, making TMS therapy more affordable for many.

How To Improve Your Chances Of TMS Coverage

If you have a temporary health issue, like pregnancy, that makes you ineligible for insurance to cover TMS treatment, you can delay starting until later.

However, you must show proof that you tried other treatments first.

To boost your chances of getting insurance coverage for TMS, keep accurate treatment records and be truthful about your progress with your doctors.

It’s crucial to follow your treatment plan, take all medication, and attend therapy appointments.

If there’s proof you missed doses or appointments, your insurance might not cover TMS.

How Can I Get TMS Therapy Covered By Insurance?

To get your insurance to pay for TMS therapy, ask your doctor for a letter saying you have major depressive disorder (MDD).

Also, make sure your medical records prove you tried other treatments for MDD, like therapy or medications. If you had a head injury before, your insurance might not cover it.

An image illustrating is tms covered by insurance

Potential disqualifications for TMS coverage

Some insurance companies may have strict rules for covering TMS.

Some policies might reject you for coverage if you:

  • Are pregnant or nursing
  • Have a high risk of suicide
  • Are dealing with ongoing substance abuse
  • Have diagnosed neurological conditions like epilepsy, seizure disorders, or dementia
  • Have magnetic-sensitive medical devices or objects, such as cochlear implants, stents, or bullet fragments

But if you’re struggling with depression and need help, don’t just assume you don’t qualify for TMS coverage.

Talk to a mental health professional about your situation and the treatments you’ve tried before.

They might give you information that boosts your chances of getting coverage so you can get the treatment you need.

What To Do If TMS Therapy Coverage Is Denied

If your insurance company says no to covering TMS, don’t worry.

Different medical financing programs can help you afford the treatment.

Some providers also let you pay based on your income, making TMS accessible no matter your financial situation.

If you or someone you care about has MDD and regular medications and therapies aren’t working, think about trying FDA-approved TMS therapy.

At Anew Era TMS, we provide this treatment and other mental health services.

Our team is dedicated to making our patients’ lives and mental health better.

Frequently Asked  Questions

Under which category does TMS provide advantages?

TMS, or transcranial magnetic stimulation, is an FDA-approved, non-invasive treatment for depression.

It utilizes magnetic fields to stimulate particular regions of the brain associated with mood regulation.

Does insurance include coverage for TM?

Indeed, TMS Therapy is generally covered by most insurances when used for Major Depressive Disorder (MDD) and Treatment Resistant Depression (TRD).

It’s crucial to recognize that the extent of insurance coverage for TMS Therapy may differ significantly based on the specific insurance plan and provider.

Is TMS included in Medicare coverage?

Medicare now provides coverage for TMS treatments, recognizing their effectiveness with patients.

To qualify for coverage, individuals must receive a diagnosis of severe major depressive disorder from a Medicare-approved physician.


Transcranial magnetic stimulation (TMS) is an effective and insurance-covered treatment for depression, with costs ranging from $10 to $70 per session.

Medicare includes coverage for severe major depressive disorder.

Maintaining records and consulting professionals can improve coverage chances, and alternative financing is available if insurance denies coverage, making TMS accessible for mental health treatment.


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