What TMS costs in Arizona and how insurers approve it

Every major insurer operating in Arizona covers TMS for major depressive disorder, but all of them require documented failure of prior treatment first. Blue Cross Blue Shield of Arizona, Banner|Aetna, Aetna, Cigna, UnitedHealthcare, Humana and Health Net typically require trials of two to four antidepressants from more than one class, usually alongside a course of psychotherapy. Medicare covers TMS in Arizona under the local coverage determination administered by Noridian Healthcare Solutions, the Medicare contractor for Jurisdiction F, which requires trials of four medications or documented intolerance. Coverage under AHCCCS, Arizona's Medicaid program, and its managed care plans — including Banner University Family Care, Mercy Care, UnitedHealthcare Community Plan, Care1st and Molina Complete Care — is more limited than commercial coverage and prior authorization is strict; confirm with the clinic before you start. Most Arizona clinics handle the authorization paperwork for you — ask before your consultation.