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TMS for treatment-resistant depression

Where TMS stands for treatment-resistant depression, FDA clearance and insurance status, what a course involves, and cost.

Reviewed by Covered Mind clinical editorial team · Sep 1, 2026

Why TMS is used here

TMS was cleared specifically for depression that did not improve with at least one antidepressant, and insurers cover it after two to four failed trials, which makes it the most widely covered interventional option for treatment-resistant depression. See the coverage hub, the TMS hub, and the coverage checker.

What to expect in TRD specifically

Response rates are somewhat lower in people with many failed medication trials than in those with one or two, but remain meaningful: about 40 to 50 percent respond in registry data. Newer protocols (theta burst and accelerated schedules) show similar results with shorter sessions.

What treatment looks like

A six-week daily course plus taper. If a first course works and depression later returns, insurers cover re-treatment.

Coverage and cost

Covered with prior authorization by most plans and by Original Medicare under Local Coverage Determinations. Insured cost is typically $20 to $90 per session. See TMS coverage and the TMS guide.

Reviewed by Covered Mind clinical editorial team · Sep 1, 2026 · Editorial policy

Cite this

Covered Mind. "TMS for treatment-resistant depression." https://web-three-tan-98.vercel.app/conditions/treatment-resistant-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.