Because the Cost of Care Should Never Be a Barrier to Healing
If you or a loved one is living with treatment-resistant depression, finding hope through TMS therapy can feel like a major turning point. But for many people, the next concern is real and valid:
How do I pay for it?
At Bella Vida TMS, we believe that cost should never stand in the way of mental health care. That’s why we’ve created multiple options—like affordable self-pay rates, CareCredit financing, and hardship support programs—to make TMS therapy accessible for every patient who needs it.
Here’s how we help make TMS therapy financially possible for you.
What Does TMS Therapy Cost?
TMS therapy involves a series of sessions over several weeks. Without insurance, this can be a significant investment—but at Bella Vida TMS, we’ve worked hard to keep our rates as affordable as possible.
💳 Our Cash-Pay Rate: $350 per Session
Our standard out-of-pocket rate is $350 per session, which is lower than many providers who charge $400–$500 per session. We believe in fair, transparent pricing—without compromising on the quality of care however we do offer hardship programs to make treatment even more affordable.
Flexible Payment Options Available
We know every financial situation is different. That’s why we offer flexible financing options and additional support to help you get started.
✅ CareCredit Financing
Bella Vida TMS partners with CareCredit, a leading healthcare financing provider that lets you:
- Spread payments over time
- Access 0% interest for qualifying plans
- Start treatment without paying everything upfront
- Choose from short- or long-term options depending on what works best for your budget
You can apply online in minutes, and our staff can help guide you through the process.
✅ Hardship & Support Programs
We understand that not everyone has access to insurance or flexible funds. If you’re facing financial hardship, we encourage you to talk to us. Depending on your situation, we may be able to offer:
- Sliding-scale pricing
- Custom payment arrangements
- Discounted treatment packages
Every case is reviewed individually—with empathy, respect, and a commitment to helping you access care.
✅ HSA and FSA Accounts
TMS therapy is an eligible medical expense under IRS guidelines, which means you can also use your Health Savings Account (HSA) or Flexible Spending Account (FSA) to cover costs—saving you money by using pre-tax dollars.
What If You Have Insurance?
Great news: Bella Vida TMS accepts most major insurance plans, including:
- Blue Cross Blue Shield of Arizona
- Aetna
- UnitedHealthcare
- Cigna
- Medicare
- Tricare
- AHCCCS (through contracted plans)
We’ll verify your benefits and help you understand any out-of-pocket responsibilities—so there are no surprises.
If your plan doesn’t cover TMS, or you’re in the middle of an appeal, our financing and self-pay options can help you start treatment sooner.
Compassionate Help—Start to Finish
At Bella Vida TMS, we don’t just offer advanced mental health treatments—we offer human support. Our patient care team is here to:
- Explain your costs clearly
- Review financing options with you
- Help you apply for CareCredit
- Work with your budget to make treatment happen
We serve patients in Phoenix, Scottsdale, Glendale, and Gilbert, and we’re proud to offer affordable care for every background and budget.
Financing TMS Therapy
If you’ve been putting off TMS because of the cost, now’s the time to reach out. Whether you’re insured, uninsured, or somewhere in between, Bella Vida TMS has financing solutions to support your mental health journey.
📚 References
- CareCredit – Mental Health & Psychiatry Financing
https://www.carecredit.com/wellness/mental-health/ - National Institute of Mental Health (NIMH) – Depression: Treatments and Therapies
https://www.nimh.nih.gov/health/topics/depression - Mayo Clinic – Transcranial Magnetic Stimulation (TMS) Therapy Overview
https://www.mayoclinic.org/tests-procedures/transcranial-magnetic-stimulation/about/pac-20384625 - IRS Publication 502 – Medical and Dental Expenses (for HSA/FSA eligibility)
https://www.irs.gov/publications/p502 - Centers for Medicare & Medicaid Services (CMS) – TMS National Coverage Determination
https://www.cms.gov/medicare-coverage-database/view/ncd.aspx?ncdid=374
