The basics
What is TMS?
TMS, or Transcranial Magnetic Stimulation, is a treatment that uses magnetic pulses to help the brain work better. A small device touches your head. It sends magnetic energy through the scalp and into the brain. That energy wakes up brain cells that aren't working well. Because nothing enters your body and no surgery is required, healthcare providers call this a non-invasive treatment.
TMS is best known as a treatment for depression and OCD (obsessive-compulsive disorder). Research shows it can help many people who did not get better with other treatments. Scientists are also studying whether TMS can help with other health conditions.
The science, simply
How does TMS work?
TMS taps into the brain's natural ability to adapt and grow. Doctors call this neuroplasticity. Think of it like physical therapy for the brain: just as exercise strengthens muscles, the magnetic pulses train brain networks to build healthier, stronger patterns of functioning.
Why the results can last
During treatment, the magnetic pulses guide brain networks to work in a better way. The helpful part is that these changes can last. Because these pulses help the brain create new pathways, the positive changes often last long after your treatment sessions are finished.
Making the decision
Is TMS right for me?
Choosing TMS is both a personal decision and a medical one. The best way to decide is to talk with your healthcare provider. Together you can work to understand the possible benefits and decide if TMS fits your specific needs.
TMS is cleared by the FDA (U.S. Food and Drug Administration) to treat several conditions. These include major depressive disorder, depression that comes with anxiety, PTSD, and OCD, and TMS is also cleared by the FDA as an aid to help people quit smoking. A special type of TMS device is cleared by the FDA to treat migraine as well.1 The research behind these uses is strong.
Doctors are also studying TMS for other conditions, such as bipolar depression, postpartum depression, autism, Alzheimer's disease, and ongoing pain. These uses are not yet FDA-cleared, but the early research looks promising. FACTMS supports more study into new ways TMS can help.2
Cleared by the FDAStrong research
- Major depressive disorder
- Depression with anxiety
- PTSD
- OCD
- Aid to quit smoking
- Migraine (special device)
Being studiedEarly, promising
- Bipolar depression
- Postpartum depression
- Autism
- Alzheimer's disease
- Ongoing pain
If you or someone you love has tried multiple treatments without relief, TMS may be worth considering. Many people who could not find help elsewhere have found that TMS works for them.
“At the end of the TMS treatment, I felt like somebody could tell me something, or a new stress could arise, and I could handle it.”Heather, UK
Talk with your doctor. Together you can look at the details and decide if TMS fits your needs.
During & after treatment
What to expect
Tap any question below to read more.
+What does treatment feel like?
The magnetic pulses that reach the brain also touch muscles and nerves in the scalp. Most people say it feels like tapping, buzzing, or a light vibration while they are being treated. Once the session is over, the pulses stop and for most people, any discomfort also stops. The most common side effects are temporary and mild, such as a light tension headache or mild scalp tenderness during the first week. These can easily be managed with over-the-counter pain relievers.
+How long are TMS sessions and how many will I need?
A single session can be as short as 3 minutes or last 30 minutes or more. It depends on the plan your doctor uses. Most courses have around 30 sessions, spread over several weeks. There are also accelerated protocols such as SAINT (Stanford Accelerated Intelligent Neuromodulation Therapy) that deliver more treatments in a shorter time frame.3
+How long does TMS treatment take?
Most insurances cover daily treatment on a Monday–Friday schedule, typically running for 6 to 8 weeks. However, there are also accelerated protocols which are completed in one day, one week, or a bit longer.
+How should I prepare, and what happens after?
You stay awake and alert during and after each session. You can drive and go about your normal day. A good night's sleep before your sessions helps, because rest supports the brain changes that make TMS work. It is also important to tell your doctor about anything you use regularly, such as caffeine, nicotine, alcohol, or cannabis, since these affect the brain and may change your results.
TMS carries a very small risk of seizure. Clinics follow careful steps to keep that risk low. If you have any concerns, talk them over with your doctor.
Insurance, cost & support
Insurance, cost, and support
Does insurance cover TMS?
For most people with depression, yes. Because TMS is cleared by the FDA to treat major depressive disorder, both government and private health plans cover it when a person meets the medical necessity requirements.4 Newer accelerated plans that give several sessions a day, including SAINT, are FDA-cleared but not yet covered by most plans. Medicare has begun to pay for SAINT in some hospital outpatient settings. Wider coverage is an active area of advocacy.3
Which plans cover it?
Government plans cover TMS. Medicare covers it for severe major depressive disorder when it is medically needed, with no prior approval required. Medicaid coverage depends on your state, and it is growing. As of 2026, a rising number of states cover TMS, including California and New York, while some states do not cover it yet.5 The VA (U.S. Department of Veterans Affairs) covers TMS for veterans with treatment-resistant depression, either at VA sites or through community care.
On the private side, every major U.S. health insurer covers TMS for depression, and some cover TMS for OCD. Most plans ask that you first try one or more antidepressant medicines. The exact rules differ by plan, so check with your own insurer. FACTMS works to expand Medicaid coverage in the states that still leave patients behind.
What does it cost?
Good to know
For most people, when TMS is covered by insurance it will either be fully covered or there will be a small copay. It is possible to pay out-of-pocket for TMS, but without insurance it can be more difficult to afford. Prices per session and per course will vary depending on your plan, deductible, and where you are being treated. You should discuss in depth with your doctor which plan makes the most sense for you.6
How FACTMS helps patients and families
FACTMS is a patient advocacy and education nonprofit. FACTMS does not provide medical treatment, pay for clinical care, or handle insurance approvals directly. We can serve as a vital support system for families navigating the treatment process, helping you understand your options and pointing you to trusted resources.
Patient Resources
Understand your options and find trusted, plain-language information as you navigate treatment.
Visit Patient ResourcesPatient Assistance Fund
Grants for TMS clinics to help patients with treatment costs or remove barriers to care. Grants go to clinics, not directly to patients.
Learn about the FundIt gave me my life back. Full stop.Anonymous, TMS patient
Answers to common questions
Frequently asked questions
+What conditions can TMS treat?
TMS is cleared by the FDA to treat major depressive disorder, depression with anxiety, OCD, PTSD, and migraine, and as an aid to quit smoking. Researchers are also studying it for other conditions, such as bipolar depression, autism, postpartum depression, Alzheimer's disease, and pain.1
+How is TMS different from ECT?
TMS is not ECT (electroconvulsive therapy), which is sometimes called shock therapy. ECT passes an electric current through the brain to intentionally cause a brief seizure. It needs general anesthesia, so a person cannot drive afterward, and some people have memory loss. TMS is different. It is non-invasive and uses gentle magnetic fields created by a small coil placed against the head. It requires no anesthesia, has no memory side effects, and you can return to your normal day right after a session.
+How long will TMS take?
Individual TMS treatment sessions can take anywhere from 3 minutes or to 30 minutes or more, depending on the plan your doctor uses. Most courses of TMS covered by insurance have around 30 sessions, spread over several weeks.3
+Will insurance cover it?
Often, yes, though it can take some steps. Standard courses for treatment-resistant depression are the most widely covered. Your clinic gathers your records and sends them to your insurer for approval. Records about your diagnosis and past treatment can come from your mental health provider, such as a therapist, psychologist, psychiatrist, or psychiatric nurse practitioner. Work with your clinic so you know what they can and cannot get covered.4
Commercial Insurance & Medicare: Almost all major private insurance plans and Medicare cover TMS for depression when standard treatments haven't provided enough relief.
Medicaid: Coverage is expanding rapidly across the country, with major states like California and New York fully covering the treatment.
+Are there side effects?
The most common side effects are mild. Many people feel some discomfort at the treatment spot during the session and a mild headache for a few hours after. Some people notice discomfort in the eye, teeth, or jaw, which usually eases with an over-the-counter pain reliever. Some also feel tired, especially after the first few sessions, which is good to keep in mind if you plan to return to work the same day.
+How should I prepare?
Getting enough sleep before your sessions helps your brain respond best to treatment. It is also important tell your doctor about anything you use regularly, such as caffeine, nicotine, alcohol, or cannabis, since these affect brain activity and may impact your results.
+When will I start to feel better?
While everyone's brain is unique, most people who respond to TMS begin to notice a lifting of their symptoms within the first few weeks of treatment. Some feel better sooner, and others take a bit longer.
References
Sources
- 1. FDA clearances for TMS by condition (major depressive disorder, 2008; obsessive-compulsive disorder, 2018; smoking cessation, 2020; depression with anxiety, 2021; migraine with aura). American Psychological Association, "Transcranial Magnetic Stimulation" (2025). apaservices.org↩
- 2. "TMS: The What, How, and Why" (Patient Resources), Foundation for the Advancement of Clinical TMS. factms.org/patient-resources↩
- 3. FDA clearance of the SAINT (SNT) accelerated protocol, September 2022, and early Medicare outpatient payment. Brain & Behavior Research Foundation. bbrfoundation.org↩
- 4. Coverage and billing for TMS in major depressive disorder, including CPT codes 90867, 90868, and 90869. Centers for Medicare & Medicaid Services, Medicare Coverage Database (Article A57647). cms.gov↩
- 5. New York State Medicaid coverage of TMS, effective November 1, 2025; California added TMS as a Medicaid benefit in 2024. New York State Department of Health. health.ny.gov↩
- 6. TMS cost ranges for 2026 (per-session and full-course estimates, typical copays, and Medicare Part B cost sharing), based on published 2026 cost analyses. healingmaps.com↩
This page is for general education and is not medical advice. Talk with a qualified healthcare provider about your own situation.
