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TMS therapy for depression in the United States usually costs between $6,000 and $15,000 for a full course of treatment. But many patients pay far less out of pocket because insurance coverage for treatment-resistant depression has expanded over the last decade. According to the Mayo Clinic, that broader coverage has made TMS more accessible for people who qualify.

Insurance coverage for Transcranial Magnetic Stimulation (TMS) is generally available in the United States when patients meet strict medical necessity criteria for treatment-resistant depression. In clinical practice, coverage depends on documented antidepressant failure, psychiatric diagnosis, and insurer policy requirements.