INSURANCE &
TMS COVERAGE
Most insurance plans cover TMS therapy for depression. We verify your benefits, handle prior authorization, and fight for your coverage — so you can focus on getting better.
Accepted Insurance
We work with most major insurers in Utah
Tricare West
Including Tricare Prime and Select
SelectHealth
Utah's largest regional insurer
PEHP
Public Employees Health Program
Blue Cross Blue Shield
Most BCBS plans nationwide
Aetna
Including Aetna Better Health
UnitedHealthcare
UHC and Optum Behavioral Health
Cigna
Evernorth Behavioral Health
Regence BlueCross BlueShield
Pacific Northwest plans
Molina Healthcare
Medicaid managed care
Medicare
Part B covers TMS for depression
Don't see your insurance listed? Call us — we work with many additional plans and can verify your specific coverage quickly.
The Process
We handle the insurance paperwork for you
We Verify Your Benefits
Bring your insurance card to your consultation. Within 24-48 hours, we confirm your TMS coverage, copay, and any deductible requirements.
We Get Prior Authorization
We compile your treatment history, submit documentation to your insurer, and secure prior authorization. Most approvals come within 1-2 weeks.
You Start Treatment
Once approved, you begin TMS with clarity on your costs. We bill your insurance directly — you only pay your copay or coinsurance at each session.
Understanding Costs
TMS is more affordable than you think
With Insurance
Most patients with insurance pay only their standard copay or coinsurance for each TMS session. Depending on your plan, this typically ranges from $20-$75 per session. We handle billing directly with your insurer.
If you have a deductible, TMS sessions count toward meeting it. Once your deductible is met, most plans cover 80-100% of the remaining cost.
Without Insurance
A full TMS course (36 sessions) costs between $6,000-$12,000 at most clinics. We offer competitive self-pay rates, payment plans, and work with healthcare financing partners to make treatment accessible.
For context: the average patient spends $1,000-$2,500/year on antidepressant medications and therapy combined, with diminishing returns. TMS is a one-time investment that can provide lasting relief.
FAQ
Insurance & cost questions
Does insurance cover TMS therapy?
Yes. Most major insurance plans cover TMS therapy for treatment-resistant depression (TRD). Coverage was mandated by CMS (Medicare) in 2014, and most private insurers have followed. Coverage for OCD and other conditions varies by plan.
What are the requirements for insurance coverage?
Most insurers require documentation that you have tried and not responded adequately to at least one antidepressant medication. Some require two failed medication trials. We help you gather all necessary documentation for prior authorization.
How much does TMS cost without insurance?
A full course of TMS (36 sessions) typically costs between $6,000 and $12,000 without insurance. We offer payment plans and work with financing partners to make treatment accessible. Many patients find that their insurance covers most or all of the cost.
Does Tricare cover TMS for veterans?
Yes. Tricare covers TMS therapy for treatment-resistant depression. Tricare West (managed by HealthNet) processes claims in our region. We handle all prior authorization and work directly with HealthNet to ensure seamless coverage.
How long does insurance verification take?
We typically verify your benefits within 24-48 hours of your initial consultation. We handle all the paperwork — you just need to provide your insurance card and answer a few questions about your treatment history.
Let us check your coverage today
Schedule your free consultation and we'll verify your insurance benefits within 24-48 hours. No surprises, no hidden costs.