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How Long Does Insurance Take to Approve TMS or Spravato?

With a complete submission, most California plans decide a standard prior authorization request for TMS or Spravato within a few days to about two weeks. California law also provides for expedited review when waiting would seriously jeopardize your health, which shortens that window substantially. The variable that actually determines your timeline is not the insurer’s speed. It is whether the request arrived complete the first time.

On this page: Standard timelines · Expedited review · What causes delays · After approval

What is a typical timeline?

Benefits verification usually takes a day or two. Assembling documentation takes as long as it takes to collect your medication history, which is the step patients can most influence. Once submitted, standard determinations commonly return within days to roughly two weeks. Add time if the plan requests additional records, because that resets the clock rather than pausing it.

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Key facts

Updated August 2026 · Reviewed by Nefretiri Abat, PMHNP-BC

  • With complete documentation, insurance approval for TMS or Spravato typically takes days to about two weeks.
  • Expedited review exists when a clinician attests that the standard timeline could seriously jeopardize health.
  • Incomplete records of past medication trials are the most common cause of delay.
  • Where this is delivered: TMS and Spravato at Exxceed Wellness are delivered in person at our Hayward, California clinic and cannot be provided remotely. TMS is a standard course of 36 sessions, 30 treatments five days a week over about six weeks plus a six-session taper, after an initial evaluation and a mapping session; Spravato dosing takes only a few minutes, followed by at least two hours of required monitoring, and patients cannot drive afterwards. Telehealth across California covers ADHD, psychiatric evaluation and medication management.

When can review be expedited?

California regulations require faster handling when a standard timeline would seriously threaten your life, health, or ability to regain maximum function, or would subject you to severe pain. Expedited review is requested by your clinician with clinical justification, not by asking politely. If your situation is urgent, say so plainly at your evaluation so it can be documented and requested appropriately.

What causes the delays?

In order of frequency: incomplete medication history, especially trials from former prescribers; missing standardized symptom scores; no documentation of dose and duration, so trials cannot be judged adequate; a request filed under the wrong benefit type, medical versus pharmacy; and missing confirmation of a REMS-certified site for Spravato. Almost all of these are preventable at intake. Our guides to TMS prior authorization and verifying your insurance beforehand cover the checklist.

What happens after approval?

Approvals are typically issued for a defined number of sessions or a treatment window, not indefinitely. If your course extends or you need re-treatment later, a new authorization is usually required, which our guide to maintenance and re-treatment coverage explains. If the request is denied instead, the appeal path is covered here. To start the process with your history reviewed properly, an evaluation is the first step, in Hayward or by telehealth across California.

This article is educational and is not legal or personalized medical advice. Timelines vary by plan and circumstance. Reviewed by Nefretiri Abat, PMHNP-BC, JD.

Frequently asked questions

How long does prior authorization take for TMS?

With a complete submission, most California plans issue a standard determination within a few days to about two weeks. Requests for additional records restart the clock, which is why completeness matters more than insurer speed.

Can TMS authorization be expedited?

Yes. California regulations require faster review when a standard timeline would seriously threaten your life, health, ability to regain maximum function, or subject you to severe pain. Your clinician requests it with clinical justification.

What delays TMS and Spravato approvals most often?

Incomplete medication history from previous prescribers, missing standardized symptom scores, no documentation of dose and duration, filing under the wrong benefit type, and for Spravato, missing confirmation of a REMS-certified administration site.

Does approval cover my whole course of treatment?

Usually approval is issued for a defined number of sessions or a treatment window rather than indefinitely. Extending a course or returning for re-treatment later generally requires a new authorization.

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