Does Cigna Cover TMS in California?

Does Cigna cover TMS?

Yes. Cigna covers TMS as medically necessary for major depressive disorder, for patients aged 15 and older who have not responded adequately to antidepressants. As of March 6, 2026, Cigna and Evernorth no longer require prior authorization for in-network providers, though the medical-necessity criteria still apply.

The 2026 prior-authorization change

Effective March 6, 2026, contracted in-network providers no longer need prior authorization before delivering TMS to Cigna and Evernorth members. Out-of-network providers still require prior authorization. Removing prior authorization does not remove the criteria. The provider must document that you meet Cigna’s medical-necessity standard, or the claim can be denied after treatment.

What Cigna requires

• Diagnosis: major depressive disorder. Cigna’s policy also covers TMS for OCD.
• Age: 15 and older.
• Prior treatment: inadequate benefit from antidepressant treatment.
• Safety: able to participate safely in repeated outpatient treatment.

Your cost with Cigna

When you see an in-network provider, you pay your usual specialist cost-sharing, often $0 to $60 per session after your deductible. For the full breakdown, see our TMS cost guide.

Does Exxceed Wellness accept Cigna?

Yes. We accept Cigna for TMS. As an in-network provider, we confirm you meet the medical-necessity criteria and document your history before treatment. Contact us to check your Cigna coverage, or learn about our TMS program.

Frequently asked questions

Does Cigna require prior authorization for TMS?

As of March 6, 2026, in-network providers do not. Out-of-network providers still do. Either way, the medical-necessity criteria must be met and documented.

Does Cigna cover TMS for depression?

Yes, for major depressive disorder in patients 15 and older who have not responded adequately to antidepressants.

Does Cigna cover TMS for OCD?

Cigna’s policy includes TMS for OCD. Confirm the specific criteria for your plan before starting.

References

1. Cigna. Medical Coverage Policy 0383: Transcranial Magnetic Stimulation: coverage policy (PDF).
2. California SB-855, mental health parity (effective January 1, 2021): official bill text.
3. Perera T, et al. The Clinical TMS Society Consensus Review and Treatment Recommendations for TMS Therapy for Major Depressive Disorder. Brain Stimulation. 2016;9(3):336-346: PubMed.

Educational information only, not medical or financial advice. Coverage rules and prior-authorization requirements vary by plan and can change. TMS is FDA-cleared for major depressive disorder and, as an add-on, for OCD. Confirm your eligibility and benefits with a qualified clinician and Cigna.