Does Regence Cover TMS, Counseling, and Spravato in Washington?

Ashley Keays • June 30, 2026

Quick Answer: In most cases, yes - Regence plans in Washington commonly cover all three when they're medically necessary. But the details depend on your specific plan. TMS and Spravato generally require prior authorization (documentation that other treatments haven't worked well enough), and counseling is typically covered with a behavioral-health diagnosis. The only way to know your actual out-of-pocket cost is a benefits check - which we do for free.


Regence is one of the most common insurers we see among Washington patients, so if you have a Regence plan and you're weighing TMS, counseling, or Spravato, this is a fair and important question. Here's how coverage generally works for each - and how to find out exactly what your plan will pay.



Does Regence cover TMS?


Generally, yes. Most major commercial insurers in Washington, including Regence plans, cover TMS for treatment-resistant depression. The key word is treatment-resistant: coverage usually requires a prior authorization, which is a formal request your clinic submits showing you meet the plan's criteria - typically a documented history of trying multiple antidepressants without enough relief.


That prior-authorization step is where a lot of approvals are won or lost. A well-prepared submission, with your medication history and clinical records documented the way the insurer expects, significantly improves your odds. At Creative Wellness, this is part of what we do: we verify your coverage, review your medication history, prepare the authorization, and if a claim is denied, we work through the appeal with you rather than walking away.


The most helpful thing you can do is arrive at your evaluation with as complete a medication history as possible - notes, pharmacy records, or discharge summaries from previous prescribers all strengthen the submission.



Does Regence cover counseling and therapy?


Typically, yes. Insurance companies widely recognize counseling as a core mental-health service, and Regence plans generally cover therapy when there's a qualifying behavioral-health diagnosis. Coverage specifics - copays, session limits, whether a referral is needed - vary by plan, so this is another case where a quick benefits check gives you a clear answer.


If your plan doesn't cover counseling, or you'd rather not use insurance, self-pay is straightforward: counseling sessions at Creative Wellness are $180 for 60 minutes.



Does Regence cover Spravato (esketamine)?


Often, yes, with conditions. Spravato is FDA-approved for adults with treatment-resistant depression, and many plans - including Regence plans - cover it for patients who meet that criteria. Because Spravato is administered in-clinic under medical supervision, coverage usually involves prior authorization and eligibility screening before treatment begins. Our team handles that screening and the insurance side for you, the same way we do for TMS.


As with the others, the exact answer depends on your specific plan, so verifying benefits up front is the way to avoid surprises.

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

How to check your specific Regence benefits


You have two routes:


Check it yourself. Have your plan details handy (plan name, group number, member ID). Call the number on the back of your card and ask specifically: Is TMS / outpatient therapy / Spravato covered under my plan, and what are the prior-authorization requirements? Ask about your deductible and copay while you're at it.


Let us check for you. We do free benefits checks. You give us your insurance information, and we come back with what your plan covers and what to expect - no obligation. For most people this is the faster, clearer route, since we know what to ask and how to read the answer.



If it turns out you're not covered


Coverage gaps happen - a high deductible, an out-of-network plan, or a denial. If that's where you land, you're not out of options. We offer self-pay pricing (a full TMS course is $5,000, and counseling is $180 per hour) and flexible financing, so cost is less likely to be the thing that stops you. And if a TMS claim is denied, the appeal process is real and often worth pursuing - we'll advocate on your behalf where the clinical evidence supports it.

  • I have Regence but I'm not sure which plan. Can you still tell me what's covered?

    Yes — give us your insurance details and we'll run a free benefits check to confirm your specific plan's coverage for whichever service you're considering.

  • How long does prior authorization take for TMS or Spravato?

    It varies by plan and how complete the documentation is. A well-prepared submission moves faster, which is exactly why we gather your medication history and records carefully before submitting.

  • Does Regence cover TMS for conditions other than depression?

    Coverage is most established for treatment-resistant major depressive disorder. For other conditions, coverage varies and may be limited, so a benefits check is the only reliable way to know for your plan.

  • What if my Regence plan only covers part of the cost?

    Partial coverage is common, especially if you haven't met your deductible. We'll show you the likely out-of-pocket figure up front, and self-pay and financing options are available to fill the gap.

Not Sure Where to Start? We Can Help

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