Insurance & Payment Options

United Healthcare (TMS coverage reviewed on a case-by-case basis)

Most private PPO plans

Unfortunately, we do not accept Medicaid at this time.

If your insurance isn’t listed here, please give us a call. We may still be able to work with your plan, especially for out-of-network mental health benefits.

TMS and Spravato Coverage

What Insurance Typically Requires

TMS and Spravato are advanced treatments for depression, and insurance coverage depends on your provider and medical history. Most plans, including Medicare, Blue Cross Blue Shield, Priority Health, and Aetna, require that you’ve already tried at least two antidepressants without success. Some insurers may also ask for a history of psychotherapy or additional documentation from your mental health provider.

Once Dr. Tareen determines that TMS or Spravato is appropriate for your care, we’ll take care of the paperwork. Our team submits prior authorizations, communicates directly with your insurance provider, and tracks the status of your approval. You’ll be updated every step of the way.

What to Expect After Approval

If your treatment is approved, we’ll provide a full breakdown of what’s covered and what your out-of-pocket cost may be, depending on your plan’s deductible, co-insurance, or copays. If your request is denied, we’ll walk you through an appeal or help you explore other options, including self-pay or financing.

Spravato (esketamine) coverage is sometimes limited to acute treatment phases, so booster or maintenance sessions may not be fully covered by all insurers. If that applies to you, we’ll talk through every option to make care as accessible and affordable as possible.

Before Your First Appointment

We strongly recommend contacting your insurance provider before your visit to confirm your mental health coverage and verify that Kalamazoo TMS & Behavioral Health is in-network.

If you’re pursuing TMS therapy, our team will take care of all the pre-authorization paperwork after your clinical evaluation. Once you’re approved, we’ll walk you through every step of the coverage process, including any out-of-pocket estimates.

How We Help You Navigate Coverage

Insurance doesn’t have to be stressful. Once you’re evaluated and found eligible for treatment, our team takes over the paperwork so you don’t have to. We’ll handle the prior authorizations, communicate with your insurance provider, and let you know exactly what’s covered and what to expect. If there’s ever an issue or delay, we’ll contact you right away with next steps—because you should never be left guessing when it comes to your care.

Self-Pay Options

Don’t have insurance or prefer not to use it? We offer self-pay rates for all services and can create custom payment plans for eligible patients.

Please note: self-pay patients are required to make payment 24 hours prior to their appointment.

For TMS and Spravato® patients, booster sessions or maintenance treatments may not be covered under all plans. In those cases, we’ll clearly explain your options and offer transparent pricing.

with Care Credit to provide financing options for patients whose treatment is not

covered by

What If I’m Out of Network?

Even if we’re not in-network with your current plan, you may still be able to receive care with us. Some insurance plans offer out-of-network mental health benefits or reimbursement options. We’ll provide a detailed receipt (superbill) that you can submit for potential reimbursement, and we’ll still support you with documentation, billing codes, and any paperwork you may need. We also offer discounted self-pay rates to make advanced treatments as accessible as possible.

Financing Options

We understand that cost can be a concern especially for long-term treatments like TMS or Spravato. If your treatment isn’t fully covered or you’re paying out of pocket, ask us about setting up a custom payment plan. We also work with third-party healthcare financing partners to help you spread out costs in a manageable way.

Our team is happy to explore every option available to make sure finances don’t stand in the way of your mental health.

We do accept CareCredit. CareCredit is a health and wellness credit card with flexible financing options so you can pay over time for care you want or need.

Need Help Navigating Insurance?

We’re happy to assist. If you have questions about what your plan covers, what to expect with prior authorizations, or how to access your benefits, our team is here to guide you.