What does TMS actually cost in 2026, with or without insurance?

Coverage for TMS varies by insurer and plan, but most commercial insurers and Medicare cover it under specific conditions: a documented diagnosis of major depressive disorder (often a PHQ-9 score of 14 or higher), and evidence that 1-4 antidepressant medications haven't produced enough relief. Almost every insurer requires prior authorization before treatment starts, which typically takes 5-14 business days to process. On typical costs: with in-network commercial insurance, expect a copay of roughly $100-400 per session, with insurance covering the rest of a full course. Medicare Part B usually leaves you with 20% coinsurance after your deductible, which tends to land around $3,000-6,000 for a full course. Paying entirely out of pocket runs about $300-600 per session, or roughly $10,800-21,600 for a full 36-session course — though many clinics offer self-pay discounts or payment plans. HSA and FSA funds can be used for TMS sessions, copays, and deductibles. Medicaid coverage varies significantly by state. If your claim gets denied, the process usually starts with a peer-to-peer review between your psychiatrist and the insurer's medical director, then moves through first- and second-level appeals, external review, and — if needed — a complaint to your state insurance commissioner. https://tmslist.com/blog/tms-cost-insurance-guide-2026/ What did your insurance actually charge you per session? If you're self-pay, has any clinic negotiated a payment plan with you? This is general information, not medical advice.