TMS Insurance

Is TMS Therapy Covered by Insurance?

Most patients in Reno have coverage. Here's everything you need to know — including who we accept, what's required, and what TMS costs if you're paying out of pocket.

Short answer: likely yes, for depression. Most major commercial insurance plans and Medicare cover TMS for Major Depressive Disorder. Our team handles the prior authorization process for you so you're not navigating it alone.

Insurance Plans We Accept for TMS

We currently accept the following insurance plans for TMS therapy:

  • Aetna
  • AmBetter
  • Cigna
  • Hometown Health
  • Medicare
  • Prominence
  • Senior Care Plus
  • Silver Summit
  • Surest
  • Tricare (authorized provider)
  • TriWest
  • United Healthcare
  • WellCare

Don't see your plan? Contact us — coverage changes frequently and we're happy to verify your specific benefits at no obligation.

What Insurance Typically Requires

Coverage for TMS is well-established for treatment-resistant depression, but insurers do have standard criteria you'll need to meet. Most plans require all of the following:

1

Prior antidepressant trials
Documentation showing that 2–4 antidepressants were tried and didn't provide adequate relief.

2

Active or ongoing psychotherapy
Many insurers require that you are currently engaged in — or have recently completed — a course of talk therapy.

3

Psychiatric consultation
Some plans require a documented consultation or referral from a psychiatrist before approving TMS.

4

Diagnosis of Major Depressive Disorder
Coverage applies specifically to MDD. TMS for anxiety, pain, or other conditions is generally not covered by insurance.

Your out-of-pocket costs will depend on your individual deductible, copay, and coinsurance — these vary significantly from plan to plan. We'll give you a realistic estimate before you begin treatment.

How Prior Authorization Works — and How We Help

Prior authorization is an approval process your insurance requires before covering TMS. It involves submitting clinical documentation and meeting your plan's specific criteria. It can feel bureaucratic, but it's a routine part of getting TMS covered — and we've done it many times.

1

We gather records
We'll ask you to help us collect prior treatment history from your other providers.

2

We submit the auth
Our team prepares and submits the full prior authorization package to your insurer.

3

We wait (typically 2–4 weeks)
Approval timelines vary, but most decisions come back within two to four weeks.

4

You start treatment
Once approved, we schedule your mapping session and begin your treatment course.

If a prior authorization is denied, we work with you to understand the reason and explore next steps, which may include an appeal or alternative options.

Self-Pay Pricing for TMS

TMS for fibromyalgia and migraines is an emerging treatment not yet covered by insurance. We've designed these protocols to be shorter and more affordable than a full depression course, with discounted upfront rates for patients who commit to the full protocol.

Treatment Protocol What's Included Discounted Upfront Rate
Depression Protocol (Full) Brain mapping + 36 sessions $5,500
Fibromyalgia Protocol Initial 10 sessions $1,400
Headache Protocol Initial 5 sessions $700

Pay-As-You-Go & Maintenance Rates

Brain mapping session $450
Individual session (pay-as-you-go) $280 / session
Maintenance sessions $150 / session

If upfront payment isn't feasible, we're happy to talk through options. Contact our office to discuss what might work for your situation.

Ready to Find Out If You're Covered?

We'll verify your benefits and walk you through the process before you commit to anything. No pressure, no obligation.

Contact Us Learn How TMS Works