Does Medicare cover cardiac rehab?

If you've recently suffered a heart attack or other cardiac condition, you may be wondering does Medicare cover cardiac rehab? The answer is yes, but you need to have a Medicare recognized condition to recieve coverage for these programs. Read more to find out everything you need to know about Medicare's coverage of cardiac rehab programs and compare health insurance rates near you.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jan 26, 2021

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The Highlights

  • Cardiac rehab programs can be a necessary step for recovery following a number of serious heart and health conditions
  • Medicare Part B will cover cardiac rehab programs under certain circumstances
  • Medicare may also cover intensive cardiac rehab programs (ICR) depending on your doctor’s medical recommendations
  • Your costs under Medicare Part B will be based on where your rehab takes place

Health insurance coverage can be confusing, especially for people who are on Medicare. If you have recently been dealing with heart issues, you may be asking does Medicare cover cardiac rehab? The answer is yes, but it depends on your condition and doctor’s recommendation as well.

Cardiac rehab programs are covered under Medicare Part B. If you are only enrolled in Medicare Part A, which is hospital insurance, Medicare will not cover the costs of your cardiac rehab program. It is important to understand what type of Medicare coverage you have, and what it will cover in the event you need to use it.

We’re going to look into the specifics of Medicare cardiac rehab so that you can move forward with confidence in understanding what your health insurance covers and what it does not.

If you’re ready to compare health insurance rates for Medicare plans in your area, enter your ZIP code above.

Is my cardiac rehab covered by Medicare?

Yes, Medicare Part B covers cardiac rehab. However, Medicare will only cover cardiac rehab if you have a specific condition.

According to Medicare.gov the following are conditions that qualify for Medicare coverage of cardiac rehab:

  • heart attack (in the last 12 months)
  • coronary artery bypass surgery
  • current stable angina (chest pains)
  • heart valve repair
  • heart valve replacement
  • coronary angioplasty
  • coronary stent
  • heart transplant
  • lung transplant
  • stable chronic heart failure

If you don’t currently have one of the above conditions Medicare will likely not cover the costs of your cardiac rehab.

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How much will cardiac rehab cost me?

Even with Medicare Part B coverage, you will still have to pay a copayment and or a deductible. Understanding health care deductibles and costs is important for budgeting purposes.

Take a look at the average costs of Medicare Part B.

Medicare Part B Estimated Monthly Premiums, Deductibles, and Coinsurance Rates
Premium,
Deductible, and
Coinsurance
Estimated Monthly Medicare Part B Rates
Standard Part B
premium
$145
Part B deductible
and coinsurance
$198
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The amount of money you owe for your cardiac rehab will largely depend on where you go for your rehab. If you’re receiving your rehab treatment in a doctor’s office you will pay 20% of the Medicare-approved amount.

If you are going to a hospital for your cardiac rehab, you will pay the hospital copayment amount. Your Medicare Part B deductible will apply as well.

Does Medicare cover intensive cardiac rehab programs (ICR)?

If your doctor refers you to intensive cardiac rehab, Medicare Part B will cover this program too. ICR programs often involve more rigorous physical activity, counseling, and education services. These intensive programs are often done in a hospital outpatient setting or in a doctor’s office.

Does Medicare cover cardiac rehab? Yes, but you need to qualify for coverage by having one of the conditions that Medicare will cover. Speak with your doctor and with your Medicare representative to get a complete understanding of what is and isn’t covered under your Medicare Part B plan.

If you’re ready to buy Medicare Part B coverage or a supplemental Medicare health insurance policy, enter your ZIP code below to start comparing rates near you.

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