Does Insurance Cover TMS Therapy?
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.
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.
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.
