How much does TMS cost?

The cost of TMS varies based on geographic location, provider, and insurance coverage:

Without Insurance: - Cost per session: $300-$500 - Full course (36 sessions): $10,800-$18,000 - Maintenance sessions: $250-$400 each

With Insurance: Most major insurers (Medicare, Blue Cross Blue Shield, Aetna, Cigna, UnitedHealthcare) now cover TMS for treatment-resistant depression. Your out-of-pocket cost typically depends on: - Deductible status - Co-insurance percentage - In-network vs out-of-network provider

Average patient responsibility with insurance: $500-$3,000 total

Geographic Variations: - Major metro areas (NYC, LA, SF): $400-$500/session - Mid-size cities: $300-$400/session - Rural areas: $250-$350/session

Many clinics offer financing plans through CareCredit or Prosper Healthcare Lending, allowing you to spread payments over 12-24 months.