What TMS costs in Minnesota and how insurers approve it

Every major insurer operating in Minnesota covers TMS for major depressive disorder, but all of them require documented failure of prior treatment first. Blue Cross and Blue Shield of Minnesota, HealthPartners, Medica, UCare and PreferredOne generally expect trials of multiple antidepressants from more than one class plus a course of psychotherapy. Aetna, Cigna and UnitedHealthcare typically require two to four failed medication trials. Medicare covers TMS in Minnesota under the local coverage determination administered by National Government Services, the Medicare contractor for Jurisdiction 6, which requires trials of four medications or documented intolerance. Coverage under Medical Assistance, Minnesota's Medicaid program, exists through the state's managed care plans but prior authorization is strict. Most Minnesota clinics handle the authorization paperwork for you — ask before your consultation.