Because Cost Shouldn’t Keep You from Getting Better
If you’ve heard about Transcranial Magnetic Stimulation (TMS) therapy, you already know it’s a powerful, FDA-cleared treatment for depression that hasn’t responded to medication. But for many people, the first question isn’t “Does it work?”—it’s:
“Can I afford it?”
At Bella Vida TMS, we believe mental health care should never be out of reach. That’s why we offer low-cost TMS options and work closely with patients to remove financial barriers—whether that means dealing with insurance, offering self-pay discounts, or helping you find payment solutions.
This blog will walk you through how we help make TMS therapy accessible for everyone who needs it.
Why TMS Can Feel Out of Reach
TMS therapy involves a full course of treatments—typically five sessions per week for 6 weeks—followed by tapering. Without insurance, this can add up quickly. And even with insurance, co-pays, deductibles, and prior authorization hurdles can cause frustration.
But at Bella Vida TMS, we don’t just offer TMS—we help you access it.
Our Low-Cost TMS Solutions
✅ We Work With Most Insurance Plans
We’re in-network with most major insurance providers, including:
- Blue Cross Blue Shield of Arizona (BCBSAZ)
- Aetna
- UnitedHealthcare
- Cigna
- Medicare
- Tricare
- AHCCCS (via contracted plans like Mercy Care, Care1st, and others)
We verify your insurance benefits for free and submit all prior authorizations so you know exactly what’s covered—and what isn’t—before you start.
✅ We Offer Sliding-Scale and Self-Pay Discounts
If you don’t have insurance—or your plan won’t cover TMS—we offer:
- Affordable self-pay rates
- Sliding-scale pricing based on income
- Bundled package discounts for full treatment courses
We’ll work with you to make the cost fit your situation.
✅ We Accept HSA/FSA Accounts
TMS is considered a qualified medical expense under IRS guidelines. That means you can use your Health Savings Account (HSA) or Flexible Spending Account (FSA) to cover treatment with pre-tax dollars, reducing your overall cost.
We provide itemized receipts and documentation to make the process simple.
✅ CareCredit Financing Available
We proudly accept CareCredit, a healthcare financing option that lets you:
- Spread payments out over time
- Choose 0% interest plans (for qualified applicants)
- Start treatment without paying everything upfront
You can apply in minutes, and our team will help you understand your options.
✅ We Advocate for Coverage When Insurance Denies It
If your insurer denies coverage, we won’t leave you stuck. We:
- File appeals
- Provide Letters of Medical Necessity
- Coordinate peer-to-peer reviews
- Explore covered alternatives like Spravato®
- Help you switch to low-cost cash-pay or financing options
We’ve helped countless patients turn “no” into “yes.”
Who Is a Good Fit for Low-Cost TMS?
You might be a candidate for our low-cost options if you:
- Don’t have insurance
- Have high-deductible insurance and need help with out-of-pocket costs
- Have been denied TMS coverage
- Prefer not to use insurance for privacy reasons
- Are seeking treatment before an appeal or authorization goes through
Why Bella Vida TMS?
Because we’re not just a treatment center—we’re your partner in healing.
We serve patients in Phoenix, Scottsdale, Gilbert, and Glendale with a mission to make world-class mental health care accessible and affordable.
Our team includes experienced providers, insurance experts, and compassionate support staff who advocate for you every step of the way.
Low-Cost TMS Options: How We Help Patients Access Care
You shouldn’t have to suffer because of financial stress. If you need relief from depression—and TMS is right for you—we’ll help you access it.
At Bella Vida TMS, we believe care should be effective, dignified, and within reach.
📚 References
- National Institute of Mental Health (NIMH) – Depression: Treatment Options
https://www.nimh.nih.gov/health/topics/depression - Centers for Medicare & Medicaid Services (CMS) – National Coverage Determination for TMS
https://www.cms.gov/medicare-coverage-database/view/ncd.aspx?ncdid=374 - Mayo Clinic – Transcranial Magnetic Stimulation (TMS) Overview
https://www.mayoclinic.org/tests-procedures/transcranial-magnetic-stimulation/about/pac-20384625 - CareCredit – Healthcare Financing for Mental Health Treatments
https://www.carecredit.com - IRS Publication 502 – Medical and Dental Expenses (HSA/FSA Eligibility)
https://www.irs.gov/publications/p502
