TMS Cost
Guide 2026
Everything you need to know about TMS therapy costs: national averages, insurance coverage, financing options, and city-by-city pricing.
National Cost Averages
TMS therapy costs vary by location, insurance, and treatment protocol. Here are the 2026 national averages.
| Cost Category | With Insurance | Without Insurance | Medicare |
|---|---|---|---|
| Per Session | $30-$75 copay | $200-$400 | $40-$80 (20% coinsurance) |
| Full Course (36 sessions) | $1,080-$2,700 | $6,000-$12,000 | $1,440-$2,880 |
| Theta Burst (per session) | $30-$75 copay | $200-$350 | $40-$70 |
| Initial Consultation | $20-$50 copay | $150-$350 | $30-$70 |
Medicare coverage rate for TMS therapy (patient pays 20% coinsurance)
Commercial insurance plans now cover TMS for treatment-resistant depression
Average number of sessions in a standard TMS treatment course
Insurance Coverage
What Insurance Typically Covers
- Standard rTMS for treatment-resistant depression (most plans)
- Theta burst stimulation (growing coverage)
- Initial psychiatric evaluation
- Motor threshold determination
Common Requirements for Coverage
- Diagnosis of major depressive disorder (MDD)
- Failure of 2-4 prior medication trials
- Prior authorization from insurer
- Referral from treating psychiatrist
Medicare Coverage
Medicare Part B covers TMS therapy for treatment-resistant depression under CPT codes 90867, 90868, and 90869. Patients typically pay 20% coinsurance after meeting their deductible. Medicare Advantage plans may have different requirements — check with your specific plan.
Cost by City
TMS pricing varies significantly by metro area. Here are self-pay rates for the top 10 US cities (2026 estimates).
| City | Per Session (Self-Pay) | Full Course (36 sessions) | Insurance |
|---|---|---|---|
| New York, NY | $350-$500 | $10,500-$18,000 | Most plans cover |
| Los Angeles, CA | $300-$450 | $9,000-$16,200 | Most plans cover |
| Chicago, IL | $250-$400 | $7,500-$14,400 | Most plans cover |
| Houston, TX | $200-$350 | $6,000-$12,600 | Most plans cover |
| Phoenix, AZ | $200-$350 | $6,000-$12,600 | Most plans cover |
| Philadelphia, PA | $275-$425 | $8,250-$15,300 | Most plans cover |
| San Antonio, TX | $200-$325 | $6,000-$11,700 | Most plans cover |
| San Diego, CA | $300-$425 | $9,000-$15,300 | Most plans cover |
| Dallas, TX | $225-$375 | $6,750-$13,500 | Most plans cover |
| Miami, FL | $275-$425 | $8,250-$15,300 | Most plans cover |
Prices are estimates based on aggregated provider data. Actual costs may vary by clinic and protocol.
Financing Options
If insurance does not cover your treatment or you have high out-of-pocket costs, several financing options can help.
CareCredit
Healthcare-specific credit card offering promotional 0% interest periods (6-24 months). Widely accepted at TMS clinics. Apply online with instant approval decisions.
Clinic Payment Plans
Many TMS clinics offer in-house payment plans that spread the cost over 6-12 months. Interest rates and terms vary by provider — always ask before starting treatment.
HSA / FSA Accounts
TMS therapy is an eligible expense for both Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). Use pre-tax dollars to reduce your effective cost by 20-35%.
Sliding Scale & Scholarships
Some clinics offer reduced rates based on income or financial hardship. Device manufacturers like Neuronetics also offer patient assistance programs for qualifying individuals.
Tips to Reduce Your TMS Costs
Verify insurance benefits first
Call your insurer with CPT codes 90867/90868/90869 before choosing a clinic. Ask about prior authorization requirements, covered session limits, and in-network providers.
Choose an in-network provider
In-network clinics have pre-negotiated rates with your insurer. Going out-of-network can significantly increase your out-of-pocket costs.
Ask about theta burst stimulation
TBS sessions are shorter (3 min vs 19-37 min), and some clinics charge less per session. Clinical evidence shows comparable efficacy to standard rTMS for depression.
Time treatment to your deductible
If your annual deductible has been met (or is close to being met), starting TMS later in the plan year can reduce your cost. Also consider if you are close to your out-of-pocket maximum.
Negotiate self-pay rates
If paying out of pocket, ask for a cash-pay discount or prepayment discount for the full course. Many clinics offer 10-20% off when you pay upfront.
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