Is My Insurance In-Network with Inspire TMS Denver?

Sam Clinch • December 12, 2025

What Inspire TMS Denver accepts and what that means



In-network / insurer relationships: Inspire states it accepts major commercial insurers and works with patients to obtain coverage - including Medicare and Tricare, where criteria are met - and the clinic routinely runs benefits checks and prior authorizations on a patient’s behalf. That means you don’t need to guess whether a policy will pay - Inspire will verify for you.



Common Medicare / commercial rules (examples):



Different payers have specific clinical criteria. For example (from the clinic’s pricing documents):



  • Anthem - typically requires failure of two different antidepressants from different classes (or intolerance).


  • Medicare -may require failure of one previous antidepressant (or intolerance)


  • Tricare - covers TMS when it is medically necessary and prior less-intensive interventions have failed or are inappropriate. These examples illustrate typical insurer frameworks, but your plan may differ.



What’s often covered vs not covered:



  • Commonly covered: FDA-cleared TMS for treatment-resistant major depressive disorder when prior treatment criteria are met and prior authorization is approved.


  • Often not covered (or considered “off-label”): accelerated TMS protocols, certain indications (some anxiety/insomnia/experimental uses), and some PTSD/anxiety uses; these may require self-pay or sliding-scale payment. Inspire notes it offers sliding-scale/self-pay for off-label care and for financial hardship. 

Not Sure If Insurance Covers TMS?

Get a personalized estimate - see if you qualify for insurance and what you’d pay without coverage.


When is pre-authorization needed?


Almost always for TMS:



Most insurers require prior authorization before they will pay for a TMS course. Prior authorization confirms medical necessity and documents that your case meets the insurer’s criteria (e.g., prior medication trials, objective measures). Inspire’s intake/pricing process explicitly includes benefits checks and prior authorization as part of pre-treatment planning.


What the insurer typically looks for in the prior auth:


  • History of prior medication trials (names, doses, dates) and tolerability.
  • Documentation of psychotherapy attempts when required.
  • Objective symptom measures (e.g., PHQ-9 scores) demonstrating severity. (Inspire intake forms track PHQ-9 and uses it in screening.)
  • A letter of medical necessity from the treating psychiatrist describing why TMS is appropriate and how prior treatments failed.


Timing:


Prior authorizations take time. Inspire runs benefits checks up front, so you get an itemized estimate and an expected authorization timeframe before scheduling mapping/treatment. Plan to allow several business days (sometimes longer) for insurer review

How to check whether Inspire TMS Denver is in-network (step-by-step)


Below is a practical workflow you can use - copy/paste the script when you call your insurer.



1) Gather basics before you call


  • Your insurance member ID and group number (on your card).


  • The name/address of Inspire TMS Denver: 340 E 1st Ave, Suite 333, Broomfield, CO 80020, and the clinic phone (720) 446-8675 (use when the insurer asks).



2) Call member services (number on back of your card).


Ask these questions:


Say: “I’d like to confirm network status and coverage for transcranial magnetic stimulation (TMS) at Inspire TMS Denver. Please tell me the answers to the following.”


Ask in this order (read the short script):



“Is Inspire TMS Denver (340 E 1st Ave Suite 333, Broomfield) in-network for outpatient behavioral health services or neurostimulation/TMS?”



  • If yes: ask for the plan’s in-network reimbursement (copay/coinsurance, whether deductible applies).


  • If no: ask whether there’s out-of-network coverage (and any reimbursement rules).



“Does my plan specifically cover TMS for treatment-resistant major depressive disorder?”



  • If yes: request the medical policy or the medical necessity criteria for TMS. (Insurance medical policies explain required documentation and trial criteria - get a policy number or URL.)



“What are the medical necessity criteria for TMS under my plan?”



  • Important items to confirm: required number of failed antidepressant trials (and whether psychotherapy is required), minimum PHQ-9 or severity thresholds, age limits, and exclusions (e.g., certain implanted devices). Compare the criteria to your clinical history. Use the policy language or ask for the policy code.



“Is prior authorization required? If so, what documentation and forms are needed, and how long does authorization typically take?”



  • Ask what phone/fax/email your provider should use for submissions and whether they need a specific authorization form.



“Does the plan cover accelerated TMS or maintenance TMS?”



  • Many plans exclude accelerated or maintenance; if excluded, ask whether partial coverage is possible or whether you’d need out-of-network / self-pay.



“If pre-authorization is approved, what CPT or billing codes will be used and how will sessions be billed (per session vs per course)?”



  • (If they can’t give CPT codes, ask them for their claims or provider relations team or request the medical policy document.)



“Is there an appeal process if the authorization is denied?”


  • Note the timeframe and documents you’d need for an appeal.



3) Next steps after the call



Ask the insurer to email or provide the medical policy URL (save it).


Share what you learned with Inspire - the clinic will run its own benefits check and prior authorization, and it can often interpret the policy language for you and submit documentation. Inspire explicitly offers to check benefits and advise patients.

In-network vs out-of-network: what to expect


  • If in-network: typically lower out-of-pocket costs (copay or coinsurance), and the clinic can submit claims directly. Still, prior authorization is almost always required.


  • If out-of-network, you may be responsible for higher costs; some plans reimburse a portion of billed charges. Inspire can provide an itemized estimate and discuss sliding-scale/self-pay options for treatments that insurers decline (especially accelerated or off-label courses). 




Not Sure If Insurance Covers TMS?

Get a personalized estimate - see if you qualify for insurance and what you’d pay without coverage.


Common insurer requirements (useful checklist)



Insurers often require some or all of the following for coverage of TMS for depression -be ready to supply them to your provider or the clinic:



  • Documentation of failed antidepressant trials (medication names, dates, doses).
  • Evidence of psychotherapy attempts, if required by the plan.
  • Objective symptom scores (PHQ-9 or equivalent) demonstrating severity. (Inspire collects PHQ-9 during intake.)
  • A psychiatrist’s treatment summary and a letter of medical necessity.
  • Any required age/diagnostic limits (e.g., FDA-cleared age ranges or plan limits).



Off-label uses & accelerated protocols, what to know



Off-label or emerging uses (PTSD,  anxiety,  accelerated TMS): Many insurers consider these experimental or off-label and may not cover them. Inspire explicitly notes that accelerated protocols and off-label conditions are frequently not covered and that sliding-scale payment options are available. If you’re pursuing such care, get an itemized self-pay estimate and ask about hardship pricing. 

If an authorization is denied, simple next steps


  1. Ask why - the insurer should explain the reason and which specific criterion was not met.
  2. Request reconsideration/appeal - your provider can submit additional clinical documentation or a peer-to-peer review with a plan medical director.
  3. Discuss self-pay or sliding-scale options - many clinics (including Inspire) offer packages, maintenance options, or hardship considerations for patients whose coverage is denied. 
  • Does Inspire accept Medicare / Tricare?

    Yes - Inspire documents that Medicare and Tricare are accepted when clinical criteria are met; coverage rules differ (Medicare may require one failed antidepressant; Tricare medical-necessity rules apply). Ask the clinic to check benefits for your specific plan.

  • Will my insurer cover accelerated TMS or PTSD treatment?

    Often not. Accelerated protocols and many off-label uses (PTSD, some anxiety indications) are frequently excluded from routine coverage. Inspire offers sliding-scale self-pay for off-label care and discusses options during benefits checks.

  • How long does a prior authorization take?

    Authorization timelines vary; Inspire runs benefits checks upfront and will give you an estimate. Plan for several business days (sometimes longer) for insurer review.

Every Question Answered

Want to know more about TMS? Check out this in-depth guide to TMS therapy with transparent and easy to understand explanations about TMS processes, protocols, and treated conditions.

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