What TMS costs in Connecticut and how insurers approve it

Every major insurer operating in Connecticut covers TMS for major depressive disorder, but all of them require documented failure of prior treatment first. Anthem Blue Cross and Blue Shield of Connecticut, ConnectiCare, Aetna, Cigna, UnitedHealthcare and Oxford, and Harvard Pilgrim typically require trials of two to four antidepressants from more than one class, usually alongside a course of psychotherapy. Medicare covers TMS in Connecticut under the local coverage determination administered by National Government Services, the Medicare contractor for Jurisdiction K, which requires documented trials of four medications at an adequate dose and duration, or documented intolerance. HUSKY Health, Connecticut's Medicaid program, covers TMS more narrowly and authorizes it more strictly than commercial plans; confirm with the clinic before you start. Most Connecticut clinics handle the authorization paperwork for you — ask before your consultation.