Does Insurance Cover TMS Therapy?

Ashley Keays • November 13, 2025

If you’ve been researching TMS therapy for depression, anxiety, or OCD, one of the first questions that probably comes to mind is:


“Will my insurance cover it?”


At Creative Wellness TMS, we understand that cost can be one of the biggest barriers to seeking care. That’s why we believe in being open and transparent about coverage, pricing, and what to expect - so you can focus on your health, not paperwork.

The Good News - Most Major Insurers Cover TMS

In most cases, TMS therapy is covered by insurance when it’s used to treat major depressive disorder (MDD) that hasn’t improved with medication or talk therapy.


Coverage often includes:


  • A mental health evaluation before treatment
  • 36 treatment sessions (sometimes more, depending on your plan)
  • Follow-up visits if needed


At Creative Wellness TMS, our team works directly with your insurance provider to verify benefits and help you understand exactly what’s covered before you begin.

We Accept Insurance

Take a quick 1-minute quiz  to check if you meet typical insurance criteria for TMS. It’s an easy way to see if you may qualify - no pressure, no commitment. If you're exploring other treatments or just want to talk it through, Get in touch. We're here to help you understand your benefits and next steps.

Eligibility Quiz

Understanding Coverage Criteria


Each insurance provider has its own set of criteria for approving TMS therapy. Common requirements include:


  • A diagnosis of treatment-resistant depression
  • Previous trials of two or more antidepressants
  • A history of talk therapy or counseling
  • A referral or documentation from your provider


Don’t worry - we handle all the paperwork for you. Our staff will guide you through the process step by step, ensuring there are no surprises.

Interested in learning more?


Schedule a consultation to see if TMS could be right for you.

Visit our contact page or call 253-900-1605 to speak with our team.

Request Appointment

What If Insurance Doesn’t Cover It?


While most plans cover TMS, some may have restrictions or require prior authorization.

If your plan doesn’t provide coverage, or you prefer to pay out of pocket, we offer transparent and affordable pricing options:


  • $150 per session
  • Full 36-session treatment course: $5,000


We’ll discuss all options with you before treatment begins, so you can make the choice that works best for your situation.

Other Services and Coverage


Insurance coverage may vary for other services, such as:


  • Medication Management: Typically covered by insurance
  • Mental Health Evaluations: Covered in most plans
  • Genetic Testing (Tempus NeuroPsych): Consultation is $250; testing is separate and billed directly through Tempus


If you ever have questions about what’s covered, our team is always available to review your plan and clarify your benefits.

Why We Prioritize Transparency


We know how stressful it can be to navigate insurance, especially while managing depression or anxiety. That’s why our approach is simple: No surprises. No hidden fees. Just honest, clear information from the start.


You deserve care that feels accessible - and we’re here to help you get it.

Not Sure Where to Start? We Can Help

With so many treatment options, finding the right one can be overwhelming. Let’s make it easier. Answer a few quick questions, and we’ll help you discover what might work best for you

Take the Quiz →
Person writing on clipboard, interviewing another person, in a room with plants.
By Ashley Keays December 19, 2025
Understanding Your Mental Health Care Options If you’re exploring treatment for depression, anxiety, or ongoing mental health symptoms, you may feel overwhelmed by the number of options available. Many people ask: “Should I try therapy, medication, TMS, Spravato, or genetic testing - and how do I know what’s right for me?” The truth is, there’s no one-size-fits-all answer. Each approach works differently, and the best plan often depends on your history, symptoms, and how you’ve responded to treatment in the past. Below is a clear comparison of four commonly used approaches: Counseling (therapy), TMS therapy, Spravato (esketamine), and genetic testing.
Therapist taking notes during a session with a patient on a couch.
By Ashley Keays December 19, 2025
If you’ve searched “TMS therapy near me” in Washington, you’re probably looking for two things: a treatment that actually works, and clear answers about what to expect. This guide covers what TMS is, who it’s for, how long it takes, what results can look like, and how it compares to medication-based options like Spravato (esketamine)—with a local focus on the South Sound / Greater Puget Sound area. Creative Wellness TMS offers TMS in Olympia, University Place, and Yelm , serving nearby communities across the region. What Is TMS Therapy? Transcranial Magnetic Stimulation (TMS) is an FDA-approved, non-invasive outpatient treatment that uses magnetic pulses to stimulate areas of the brain involved in mood regulation. It does not circulate through the body the way medications do, and sessions are short with no downtime. Who Is TMS For? TMS is most commonly used for treatment-resistant depression and is also FDA-approved for OCD, with some clinics using it off-label for symptoms related to anxiety and other conditions, depending on clinical judgment and fit. TMS is often a great next step if: You’ve tried therapy and/or medications and still feel stuck Medications caused side effects you couldn’t tolerate You want a non-medication treatment option You need a treatment you can do and still keep up with work/school/family What the TMS Treatment Timeline Looks Like A typical TMS course is: 1 session per day 5 days per week for about 4–6 weeks with sessions lasting about 20 minutes (varies by protocol) Most people drive themselves to/from appointments and return to normal activities right after. When Do People Start Feeling Better? Everyone’s timeline is different, but many patients notice early changes (sleep, energy, motivation) within the first few weeks, with improvement building over the full course. The key is consistency-TMS tends to be cumulative. How Long Do TMS Results Last? This is one of the most common questions. Many people maintain improvement for months or longer, and some choose booster sessions or a short repeat course later if symptoms return. (Your clinician can help plan relapse prevention based on your history and risk factors.)
Person offering pills to another person; close-up of hands. White table, clipboard, and medication bottles.
By Ashley Keays December 19, 2025
If you’ve tried multiple antidepressants and still don’t feel better, you’re not alone - and it doesn’t mean you’ve failed treatment. In fact, medication resistance is one of the most common reasons people explore Transcranial Magnetic Stimulation (TMS). Many patients who benefit from TMS have a long history of medications that either didn’t work or caused side effects they couldn’t tolerate. So why does TMS help when medications don’t? Medication Resistance Is More Common Than You Think Studies show that 30–40% of people with depression don’t experience meaningful relief from antidepressants. Others may feel partial improvement but continue to struggle with motivation, energy, or emotional numbness. Common reasons medications don’t work include: Trial-and-error prescribing Side effects that limit dosing Brain regions involved in mood remain underactive Depression that doesn’t respond to chemical changes alone This isn’t a personal failure - it’s a biological reality. How Antidepressants Work (and Where They Fall Short) Most antidepressants affect neurotransmitters like serotonin, norepinephrine, or dopamine. They work system-wide, meaning: The entire brain and body are exposed Effects take weeks to build Results vary widely from person to person For some people, these chemical changes simply aren’t enough to restore healthy brain activity in the regions that regulate mood. How TMS Is Different TMS works at the level of brain circuits, not just brain chemistry. Using magnetic pulses, TMS: Directly stimulates underactive areas of the brain linked to depression Strengthens communication between neural networks Encourages healthier patterns of brain activity over time Instead of hoping the right chemical balance reaches the right place, TMS targets the source.
Four people in an office. A woman seated looks at a laptop while others converse around a desk with a computer and plants.
By Ashley Keays December 19, 2025
If you’re considering Transcranial Magnetic Stimulation (TMS), one of the most common questions is: “What happens after treatment ends - and how long do results actually last?” It’s an important question. At Creative Wellness TMS, we believe patients should understand not only how TMS works , but also what life can look like after treatment, including maintenance options and relapse prevention. Do TMS Results Last? For many patients, yes - TMS results are long-lasting. Clinical studies and real-world outcomes demonstrate that a substantial percentage of patients who respond to TMS experience relief that lasts for months to years after completing a full course. Because TMS works by strengthening and retraining neural pathways, improvements are often more durable than medication alone. What Happens Immediately After TMS Ends? After completing a standard TMS course (typically 4–6 weeks): No tapering is required There are no withdrawal effects Patients return to normal routines immediately Some people notice continued improvement even after their final session as the brain continues to adapt. Will I Need Maintenance TMS? Not everyone needs maintenance - but some people benefit from it. Maintenance TMS may be helpful if: You’ve had multiple depressive episodes Stressors return or increase Symptoms slowly begin to reappear You’ve had limited success with medications in the past Maintenance may involve: Occasional “booster” sessions Short repeat treatment courses Early intervention at the first signs of relapse Your care team will help determine what’s appropriate for you.
By Ashley Keays December 17, 2025
TMS, Spravato, and Medications Compared When you’re struggling with depression, anxiety, or mood symptoms, one of the most common - and understandable - questions is: “How long will it take before I start to feel better?”  The answer depends on the type of treatment, your personal history, and how your brain responds. Below, we break down realistic timelines for TMS therapy, Spravato (esketamine), and traditional antidepressant medications, so you know what to expect.
By Ashley Keays December 17, 2025
Does Insurance cover TMS in Washington?
By Ashley Keays December 12, 2025
Is TMS Therapy Safe?
By Ashley Keays December 12, 2025
What Is TMS Therapy?
By Ashley Keays November 14, 2025
A supportive guide for mothers navigating emotional changes after childbirth
By Ashley Keays November 14, 2025
A Guide for Parents Who Want to Help Their Child Feel Safe, Supported, and Understood