Federal Employee Mental Health & TMS Benefits

You may be the person holding the insurance policy — a federal employee or annuitant researching on behalf of yourself, a spouse, or an adult child under 26. Or you may be the person who is struggling and reading this at a difficult hour.

Either way, the information below is written for you. It covers what the Federal Employees Health Benefits (FEHB) program may cover, how SAINT and TMS fit in, and what to do next.

Federal employees and annuitants receive health insurance through the Federal Employees Health Benefits (FEHB) program. Postal employees and annuitants, as of 2025, are covered under the separate Postal Service Health Benefits (PSHB) Program.

FEHB plans are offered by carriers like Blue Cross Blue Shield (FEP Blue), Aetna, GEHA, MHBP, and others. Each plan has its own benefits, network, and coverage rules. What is covered under one plan may differ under another — even within the same carrier.

TMS may be covered when medical necessity criteria are met. The specific requirements depend on the carrier and plan you're enrolled in. FEP medical policy, for example, names the SAINT protocol as an example of accelerated theta burst stimulation — which is unusual compared with many commercial policies.

However, policy language is not the same as a payment guarantee. Coverage depends on your specific plan, your diagnosis, your treatment history, and whether prior authorization is obtained.

What we do

Our team verifies benefits before any financial commitment. We gather records, submit prior authorization requests, and handle appeals if needed. You should not have to fight an insurer alone.

• Spouse, including a valid common-law marriage
• Children under 26 — biological, adopted, step, foster, and recognized natural children
• Married children under 26 are eligible, but their spouses and children are not
• Disabled adult children 26 or older, where the disability existed before age 26

Not eligible: former spouses (even under court order), grandchildren (unless they qualify as foster children), parents, and domestic partners.

The 2027 Open Season runs November 9 through December 14, 2026. If you're adding a family member to your plan, your employer will need to verify their eligibility — this is a new requirement for 2027.

We've created specific pages for federal employees covering TMS, SAINT, FEHB coverage, insurance verification, and depression treatment. Start with the one that matches your question.