Paying Out of Pocket at Led Life
Not every patient wants — or is able — to go through insurance for TMS or Spravato. Self-pay is available whether your plan doesn't cover interventional psychiatric care, your plan is out-of-network, prior authorization isn't a fit for your timeline, or you simply prefer to keep your care separate from insurance. Choosing to pay privately doesn't change the quality or attentiveness of your care team's approach — it's simply a different way to access the same treatment.
Common Questions
Cost depends on which treatment you're pursuing (TMS or Spravato), the specific protocol your provider recommends, and how many sessions your course of care involves. We'll walk through the full picture and a personalized estimate before you commit to anything.
We understand a full course of treatment is a real financial decision. We accept CareCredit, a healthcare financing card that lets you pay for treatment over time, and we're in the process of adding Cherry Financing as an additional option. Approval, terms, and interest are set by CareCredit/Cherry directly, not by Led Life — ask your care coordinator during your consultation for current availability and how to apply.
Sometimes. For example, your medication management or therapy visits might be covered by insurance while you choose to self-pay for TMS or Spravato, or vice versa. We can help you understand what makes sense for your specific plan and situation.
Some patients find that a defined course of TMS or Spravato costs less over time than an extended period of medication trials, office visits, and prescription costs — though this varies person to person. We're happy to help you weigh your specific options honestly, without any pressure.
Get a Personalized Quote
The most accurate way to understand your cost is a conversation with our team. Contact us and we'll walk through your treatment options and a clear, itemized estimate before you decide anything.
Phone: (507) LED-LIFE
507-533-5433
Ellicott City (textable): 240-673-3236