TRICARE Coverage · MDD & OCD · Michigan

TRICARE may cover your
MeRT treatment in Michigan.

FDA-cleared TMS is a covered benefit under TRICARE for Major Depressive Disorder and Obsessive Compulsive Disorder — for eligible active-duty members, retirees, and their families. Brain Treatment Center Michigan accepts TRICARE at both locations.

Verify your coverage See who qualifies
TRICARE accepted
MDD and OCD coverage
Active duty, retirees & dependents
Metro Detroit + Grand Rapids
Who TRICARE covers

TRICARE isn't just for service members — it covers your whole family

TRICARE coverage for FDA-cleared TMS extends to a wide range of beneficiaries. If anyone in your military family is dealing with treatment-resistant depression or OCD, it's worth a conversation about whether coverage applies to their situation.

Active-duty service members

Currently serving members of all branches may be covered for TMS for MDD or OCD under TRICARE Prime or Select.

Military retirees

Retired service members and their families enrolled in TRICARE may qualify depending on their specific plan and eligibility status.

Dependents and family members

Spouses, children, and other eligible dependents covered under a TRICARE plan may access TMS treatment for MDD or OCD.

Covered conditions

TRICARE covers FDA-cleared TMS for two specific conditions

FDA-cleared TMS equipment — which is what we use for MeRT® — is an established covered benefit under TRICARE for the following diagnoses. Coverage details vary by plan and eligibility; our team will help you verify before you begin.

Primary coverage

Major Depressive Disorder

TRICARE covers FDA-cleared TMS for MDD, including treatment-resistant cases where one or more antidepressants have failed. This is the most commonly covered indication and applies to both active-duty members and their eligible dependents.

Also covered

Obsessive Compulsive Disorder

FDA-cleared TMS for OCD is also covered under TRICARE for eligible beneficiaries. If you or a family member has a confirmed OCD diagnosis and has not responded adequately to first-line treatments, TMS may be an option worth exploring.

Important: coverage varies by plan

TRICARE coverage for TMS depends on your specific plan (Prime, Select, For Life, etc.), your eligibility status, prior authorization requirements, and whether specific clinical criteria are met. Our team will conduct a benefits verification before you commit to anything. Call care team at (269) 430-7966 to start the coverage check.

TRICARE plan overview

Common TRICARE plans and TMS coverage

This is a general overview — actual coverage depends on your individual plan details and clinical criteria. Our team verifies benefits for every patient before treatment begins.

Plan
Who it covers
TMS coverage notes
TRICARE Prime
Active duty & families
Generally covered with referral and prior authorization for MDD/OCD
TRICARE Select
Retirees & families
Generally covered with prior authorization; network status may affect cost-share
TRICARE For Life
Medicare-eligible retirees
Coordinates with Medicare; verify with both payers
TRICARE Reserve Select
Selected Reserve members
Coverage available; prior authorization typically required
How to get started

Three steps to begin TRICARE-covered treatment

1

Call care team for a benefits verification

Before anything else, our care team will verify your specific TRICARE plan coverage, prior authorization requirements, and estimated cost-share. This is a free call — no commitment required. Call (269) 430-7966 and ask for our care team.

2

Initial consultation and intake evaluation with our psychiatrist

If TRICARE coverage is confirmed, your first visit includes an in-person consultation and a intake evaluation with our psychiatrist with Dr. Wallace. This evaluation establishes or confirms the diagnosis (MDD or OCD), documents prior treatment history, and determines whether TMS is clinically appropriate. The evaluation is an essential step for prior authorization.

What if I have PTSD — not just MDD?

PTSD and MDD frequently co-occur in the military community. If you come to us with a primary PTSD diagnosis, Dr. Wallace's evaluation will assess whether Major Depressive Disorder is also present. If both diagnoses are clinically supported, MDD may open TRICARE coverage pathways for TMS that PTSD alone does not.

This is not about manufacturing a diagnosis — it's about ensuring that a complete and accurate clinical picture is documented. Many veterans and active-duty members living with PTSD meet full criteria for MDD and have never had it formally recognized.

3

Prior authorization and treatment

Our team manages the prior authorization process with TRICARE on your behalf. Once approved, treatment follows the standard MeRT course — daily sessions Monday through Friday for approximately six weeks, with EEG re-evaluation at weeks two, four, and six. Dr. Wallace personally oversees your protocol throughout.

Dr. Ramona Wallace, DO

Dr. Ramona Wallace, DO

Medical Director · Board-Certified Physician · Cleveland Clinic Foundation

Dr. Wallace conducts full intake evaluation with our psychiatrists as part of the intake process, including assessment for MDD in patients presenting with PTSD or other co-occurring conditions. She reviews every EEG, approves every treatment protocol, and personally conducts results appointments throughout your six-week course.

View full profile →

From the blog

After the Baby: Understanding Postpartum Depression — A Guide for TRICARE Families

Dr. Wallace on the biology of postpartum depression, the extra risk military families face, and how to use your TRICARE benefits — including TMS — to get treatment.

Read the guide →

As seen in

Defense OneUS Air ForceWall Street JournalWashington PostNBC SportsThe Doctors
Verify your coverage

Find out what your TRICARE plan covers — before you commit

Our care team will verify your specific TRICARE benefits, walk you through any prior authorization requirements, and confirm which location is most convenient for you. This is a free call with no obligation.

Most coverage verifications are completed within one business day.

Call (269) 430-7966 — ask for our care team
info@braintreatmentusa.com
Metro Detroit (Sterling Heights) & Grand Rapids

Request a coverage verification

Please do not include detailed medical information in this form. A coordinator will contact you to discuss your situation through appropriate channels.

If we miss your call, we will try you twice more before the end of the next business day. We typically respond within one business day. Your information is never shared.

What happens next:

1. Our care team calls you within one business day
2. They answer your questions and check insurance if applicable
3. If it's a fit, they schedule your evaluation — no obligation at any step.

Have TRICARE? Let us verify your coverage.

(269) 430-7966