What to Do If Your Insurance Denies TMS: Appeals Templates & Step-by-Step Help

Quick Overview
An insurance denial for TMS is stressful, but not the end of the road. Many denials can be reversed with a well-documented appeal, clinical support from your treatment team, and persistence. This guide gives you exactly what to do next - step by step - plus appeal templates you can use right away.
Immediate steps when you get a denial
- Read the denial letter carefully. Note whether it’s a coverage denial, a medical-necessity denial, or a coding/prior-authorization denial. Look for appeal deadlines and the insurer’s appeals contact.
- Save everything. Keep the denial letter, any emails, and the date/time of phone calls.
- Request a written explanation of benefits (EOB) and the denial reason code. Ask the insurer for the precise reason and the name/phone number of the caseworker.
- Contact your clinic. Tell Creative Wellness (or your clinic) right away - we run benefits checks and handle prior authorization paperwork. Clinics commonly help with appeals and prior authorization documentation.
Step-by-step appeals plan
Step 1 - Verify deadlines & next actions
- Check the denial letter for exact appeal deadlines and whether an expedited review is possible (often called “urgent” or “expedited” appeal).
- Note timelines: insurers vary - some expect appeals within 30 days, others allow up to 180 days; urgent appeals are sometimes handled within 72 hours. Always use the insurer’s stated timeline.
Step 2 - Gather records and evidence
Collect everything your appeal will need:
- Denial letter & EOB (front & back)
- Copy of the insurance policy language if available (or the relevant medical necessity criteria)
- Clinical notes showing diagnosis and prior treatments tried (medications, therapy)
- Documentation of prior authorizations and prior-authorization communications (if any)
- TMS treatment plan and mapping/motor threshold notes, if available
- Letters from treating clinicians (psychiatrist, referring MD) stating medical necessity
- Peer-reviewed evidence or guidelines (Clinical TMS Society or key articles) — your clinic can supply suggested citations.
Tip: Clinics routinely assemble this evidence for you and can create a provider appeal letter. Clinics also handle prior authorization paperwork and appeals logistics.
Step 3 - File a patient appeal (use the template below)
Submit a clear, concise patient appeal letter that states the facts, why the treatment is medically necessary, and what evidence you are sending. Use certified mail or the insurer’s online appeal form if available. See the template below.
Step 4 - Ask your provider for a clinical appeal (use the provider template)
A provider letter from your prescribing psychiatrist or the TMS medical director is often the most persuasive piece of evidence. The provider should explain the history of treatment failures, specific reasons TMS is appropriate, and attach relevant clinical notes and test results.
Step 5 - Follow up by phone & get a case number
Call the insurer after filing and ask for the appeal case number, the expected resolution date, and the name of the reviewer, if possible. Keep notes of the conversation (date, time, person, summary).
Step 6 - Escalate if needed (external review/state regulator)
If the internal appeal is denied, request an external review by an independent reviewer or contact your state insurance commissioner for help with the process. Many states require insurers to tell you how to request an external review.
Step 7 - Consider alternatives while you appeal
Ask the clinic about temporary options: payment plans, financing, or alternative treatments (eg, Spravato) while the appeal is pending. Creative Wellness offers benefits checks and helps explain payment options.
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What to include with every appeal (checklist)
- Denial letter / EOB
- Patient insurance ID and contact info
- Provider contact info and NPI number
- Clear statement of the treatment requested (TMS course, number of sessions, protocol)
- Prior treatment history (meds tried, psychotherapy, dates & outcomes)
- Provider clinical justification and exact ICD/CPT codes used
- Clinical notes or consultation note recommending TMS
- Mapping/motor-threshold notes (if already performed)
- Relevant clinical literature or guidelines (attached as PDFs)
- Signed HIPAA release if the provider is submitting records on your behalf
Ready-to-use appeal templates
Below are three plain text templates. Replace bracketed text and send as instructed by your insurer (online portal, fax, or certified mail).
1) Patient appeal letter - SAMPLE
[Date]
[Insurer name]
Appeals Department
[Insurer address or email]
Re: Appeal of Coverage Denial for Transcranial Magnetic Stimulation (TMS)
Patient: [Full name]
Policy #: [Policy number]
Claim #: [Claim or prior auth number]
Provider: [Creative Wellness TMS — Provider name, NPI]
To whom it may concern,
I am writing to appeal the denial of coverage for Transcranial Magnetic Stimulation (TMS) for the treatment of [diagnosis, e.g., Major Depressive Disorder]. I received a denial notice dated [denial date] stating [quote denial reason]. I believe this decision should be reversed because TMS is medically necessary for my condition.
Summary of my treatment history:
• Diagnosis: [diagnosis & date]
• Prior treatments tried (medications/therapy) and dates: [list medications, doses, dates, and outcomes — note inadequate response or intolerance]
• Impact on daily life: [briefly describe functional impairment, eg, inability to work, sleep disruption]
My treating clinician at Creative Wellness TMS, Dr. [name], has recommended a standard course of TMS (daily sessions, 4–6 weeks) based on clinical evaluation and treatment history. I have attached a clinical note from Dr. [name] detailing the medical rationale and treatment plan.
Please reconsider this denial and approve coverage for TMS. I am also requesting an expedited review because [reason if urgent; otherwise remove]. I look forward to your prompt response.
Sincerely,
[Patient name]
[Phone, email, address]
Attachments: denial letter/EOB, clinical notes, medication history, provider letter
2) Provider clinical appeal letter -SAMPLE (use clinic letterhead)
[Date]
[Insurer name]
Appeals Department
Re: Medical Necessity Appeal for TMS — Patient: [Full name] — Policy #: [Policy #]
Dear Appeals Reviewer,
I am Dr. [Name], [credentials], [clinic name, address, NPI]. I submit this letter on behalf of my patient, [patient full name], to appeal the denial of coverage for Transcranial Magnetic Stimulation (TMS) indicated for [diagnosis]. Below is a concise clinical justification.
Clinical background:
• Diagnosis: [DSM/ICD diagnosis, date]
• Relevant history and prior treatments: [List antidepressants/psychotherapy with dates and adequate trial information; document intolerance or nonresponse]
• Functional impairment: [work/school/social functioning measures]
Rationale for TMS:
• The patient meets criteria for treatment-resistant depression based on inadequate response to [#] medication trials.
• TMS is an evidence-based, FDA-cleared treatment for treatment-resistant depression and is appropriate given the patient’s history and current symptom severity.
• [If relevant] Mapping/motor threshold assessment was completed on [date] and shows [brief note]. Proposed protocol: [protocol, number of sessions].
Supporting documentation attached: consultation note, medication history, relevant rating scales (PHQ-9), peer-reviewed citations, and any prior-authorization documents.
Based on the above, I request reversal of the denial and approval of a standard TMS course as medically necessary. Please contact me with any questions.
Sincerely,
[Provider name, credentials]
[Contact info, NPI]
Attachments: clinical notes, medication history, rating scales, guideline citations
3) Submission cover letter (if mailing multiple docs)
[Date]
Appeals Department — [Insurer name]
[Insurer address or fax]
Re: Appeal submission for [patient full name], [policy #]
Enclosed please find the appeal packet for [patient name] for TMS, including: denial letter, patient appeal, provider clinical appeal, clinical notes, medication history, PHQ-9, and literature citations. Please confirm receipt and provide a case or reference number for this appeal.
Sincerely,
[Provider/clinic contact info]
Sample phone script for calling your insurer
You: Hi — my name is [name], policy # [xxx]. I filed an appeal for a TMS denial on [date]. Can you confirm the appeal case number and the expected decision date? Who is the assigned reviewer?
Insurer: [response]
You: Thank you. Could you tell me the exact reason code and what additional documentation would be most helpful? (If they request provider notes, say provider will submit.) Please confirm how I will receive the decision (email/mail) and whether this can be expedited.
You: May I have the employee’s name and direct phone number for the reviewer? (Log name & extension.)
Always take the reviewer’s name, date/time, and a summary of what they said.
Timing & expectations
- Initial appeal timing: insurers usually acknowledge within days and may take 30–60 days to decide for standard appeals; expedited/urgent appeals may resolve in 72 hours — check your denial notice for insurer-specific timelines.
- Be persistent: many successful appeals take follow-up phone calls and additional evidence.
How Creative Wellness can help
- We perform free benefits checks to confirm coverage and prior-authorization requirements and can help with prior-auth paperwork.
- Our team handles prior authorization paperwork and assembles the clinical evidence, including provider letters and mapping notes, to strengthen appeals. Clinics commonly manage paperwork and follow-up on appeals with insurers.
- If you want help, contact us at 253-900-1605 or info@creativewellnesstms.com and we’ll start a free benefits check and assemble an appeal packet.
How often do TMS appeals succeed?
Success rates vary, but well-documented clinical appeals with provider letters and a clear treatment history have a much better chance of reversal.
How long will appeals take?
Standard appeals can take weeks to months; expedited appeals can be decided in days. Always use insurer deadlines and request expedited review if urgent.
Who writes the provider appeal letter?
The prescribing psychiatrist or TMS medical director usually writes the clinical appeal letter — it’s the most persuasive documentation insurers see.
What if I need treatment before the appeal is resolved?
Ask the clinic about payment plans or financing; your clinic can also advise on alternate evidence-based treatments while the appeal is pending.























