Already met your 2026 deductible? Timing a TMS course before December 31

A standard TMS course is a session a day, five days a week, for about six weeks. If you have already met your deductible or out-of-pocket maximum this year, sessions delivered before December 31 can cost you far less than the same sessions in January, when calendar-year plans reset. The catch is timing. Prior authorization can take anywhere from a few days to a few weeks, and a six-week course that starts in mid-November runs straight into the holidays. If you want to use this year's deductible, start the conversation with a clinic now. Ask how long their authorizations usually take and how they schedule around holiday closures. Two things to keep in mind: sessions after January 1 count toward the new year's deductible, and money left in an FSA can usually go toward TMS copays (check your plan's grace period or carryover rule). More on costs: https://tmslist.com/blog/tms-cost-2026-full-breakdown/ Has anyone timed treatment around their deductible? How did the year-end reset work out? This is general information, not medical or insurance advice.