Last updated: March 2026
How Much Does TMS (Transcranial Magnetic Stimulation) Therapy Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Standard TMS Protocol (36 sessions) | $6,000 – $12,000 | $1,000 – $4,000 |
| Accelerated TMS (5 days intensive) | $5,000 – $10,000 | $1,500 – $5,000 |
| Deep TMS Protocol | $8,000 – $15,000 | $2,000 – $5,000 |
CPT/ADA Code: 90867, 90868, 90869
What Affects the Cost
- Provider credentials and experience
- In-person vs. telehealth sessions
- Session length (30, 45, or 60 minutes)
- In-network vs. out-of-network
- Geographic location (major cities cost more)
- Type of therapy or treatment approach
Insurance Coverage
Typical coverage: TMS is FDA-approved for treatment-resistant depression and OCD. Most insurance plans cover it after failure of at least 2 antidepressants.
Under the ACA and Mental Health Parity Act, insurance must cover mental health treatment at the same level as physical health. In-network copays are $20-$75 per session. Out-of-network providers may be reimbursed at 50-70%. Many plans now cover telehealth therapy at $0 copay.
How to Save Money
- Online therapy platforms (BetterHelp, Talkspace) cost $60-$100/session
- Open Path Collective: $30-$80/session ($65 lifetime membership)
- Sliding-scale therapists adjust fees based on income
- University training clinics offer $10-$30/session
- Community mental health centers provide low-cost services
- Ask about out-of-network reimbursement from your insurance
Related Procedures & Costs
Frequently Asked Questions
Most major insurance companies cover TMS for treatment-resistant depression after failure of at least 2 antidepressant medications. Prior authorization is required.
Approximately 50 to 60% of patients with treatment-resistant depression experience significant improvement, and about one-third achieve full remission.
TMS feels like tapping on the scalp. Sessions last 20 to 40 minutes. Patients are awake and can drive themselves to and from treatment.