A common question surrounding rTMS, or repetitive transcranial magnetic stimulation therapy: is TMS covered by insurance? Generally speaking, a medical insurance company will cover treatments as long as they are deemed medically necessary. The good news is that since 2009, TMS therapy has been FDA-cleared for depression, considered medically necessary, and is now covered by most insurance.
The approval of TMS insurance coverage depends on each patient’s particular plan and benefits. However, there are some general criteria to keep in mind. TMS therapy is generally covered for major depression treatment. It also may be covered for use in treating obsessive-compulsive disorder (OCD) and smoking cessation.
What Mental Health Conditions Benefit From TMS Treatment
Here is a list of mental health or other neurological conditions that can benefit from TMS therapy:
- Mild or Severe Major Depressive Disorder
- Treatment-Resistant Depression
- Chronic Pain
- Migraines
- OCD
- Anxiety
- Bipolar
- PTSD
Typically, insurance companies will want to see that you’ve tried at least two antidepressants/prescription drugs or other mental health treatments before they cover TMS treatment. Sometimes, insurers will require that you’ve tried talk therapy.
Once insurance companies have approved a patient for TMS treatment, there can be some additional costs depending on the patient’s deductible, copayments, and annual out-of-pocket maximum.
TMS Therapy Insurance Coverage
At Neuro Wellness Spa, we understand how important it is that those seeking TMS treatment are able to get the treatment they need. Here are just some of the health insurance companies we work with and we accept policies from most insurance companies
- Aetna
- Anthem
- Blue Cross Blue Shield of California
- Beacon
- Blue Shield
- Cigna
- Magellan
- MHN/Healthnet
- Optum
- Tricare
If your health insurance plan is not listed, our phenomenal intake team will be able to determine eligibility right away for you and is always available to help prospective patients understand their coverage options and begin treatment. Not to mention, at Neuro Wellness Spa, we handle all the paperwork. Contact us today to speak to a mental health professional about scheduling TMS sessions in Los Angeles. You can also reach out to your insurance benefits administrator to see if you have TMS therapy coverage.
