TMS for depression
Where TMS stands for major depression, FDA clearance and insurance status, what a course involves, and cost.
Reviewed by Covered Mind clinical editorial team · Sep 1, 2026
Where the evidence stands
TMS is FDA cleared for major depressive disorder and backed by multiple randomized trials and large registries. Roughly half of patients respond and a third remit after a standard course, with durable benefit for a year or more in many. See the coverage hub, the TMS hub, and the coverage checker.
Who is a candidate
Adults with moderate to severe major depression who have not responded to at least one antidepressant (insurers typically require two to four) and who have no seizure disorder or ferromagnetic metal in the head. It is a good fit for people who want to avoid medication side effects or who cannot take medications.
What treatment looks like
A mapping visit, then daily 20 to 40 minute sessions five days a week for six weeks, followed by a taper. You stay awake, drive yourself, and work the same day. Scalp discomfort and headache in the first week are the usual side effects.
Coverage and cost
Most commercial plans, Medicare and many Medicaid programs cover TMS for depression with prior authorization. Insured cost runs $20 to $90 per session after deductible; cash courses run $6,000 to $14,000. See TMS coverage by insurer and TMS cost.
Related
Reviewed by Covered Mind clinical editorial team · Sep 1, 2026 · Editorial policy
Cite this
Covered Mind. "TMS for depression." https://web-three-tan-98.vercel.app/conditions/depression/tms-therapy. Reviewed Sep 1, 2026.
This site provides general information about insurance coverage and treatment options. It is not medical advice, not a guarantee of coverage, and not a substitute for talking with a clinician or your health plan.