Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Dec 17, 2021

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The Lowdown

  • Cardiac rehab is covered by Medicare Part B
  • You will pay 20% of the cost
  • Cardiac rehab will help you get back to your old self

Does Medicare cover cardiac rehab? If you are enrolled in traditional Medicare health insurance, you’ll only have to pay 20% of the cost for your cardiac rehabilitation treatment. Medicare Part A coverage pays for most of your surgery and hospital stay. Medicare Part B covers rehab.

Now that you know Medicare covers cardiac rehab, enter your ZIP code into our free quote tool.

Does Medicare cover cardiac rehab?

If you’ve recently had cardiac surgery, you’ll want to make sure you can transition to the proper care immediately. The recovery from a heart injury can take a long time depending on your body’s condition after surgery.

Because cardiac rehab is a lifesaving program, Medicare will cover most of the cost. You will generally pay 20% of the cost for your cardiac rehab.

What are the cardiac rehab program requirements?

According to Medicare’s official website, you can get coverage for programs if you meet one of these cardiac rehab requirements. The Medicare guidelines for cardiac rehab include:

  • A heart attack within the last year
  • Coronary bypass surgery
  • Current stable angina
  • A heart valve repair
  • A coronary angioplasty
  • A heart transplant
  • Stable chronic heart failure

These cardiac rehabilitation guidelines are extensive. Medicare will cover 80% of the cost.

What is the cost of cardiac rehab without insurance?

According to a study in the United States National Library of Medicine, in 2015, the average cost for a cardiac rehab session was $240. If you had weekly sessions for three months — 36 sessions — you would pay around $8,640 for the entire treatment without insurance.

Medicare will cover 80% of these costs, so you will pay about $1,728 out of pocket. This benefit is more than what other insurance companies in the private sector might offer.

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Does Medicare cover open-heart surgery?

Does Medicare cover heart surgery? Medicare covers open-heart surgery and rehabilitation afterward. You will save money on a majority of the costs for the treatment with Medicare Part A and B.

What does heart bypass surgery cost with Medicare?

Part A coverage is meant to cover any costs when you are admitted to the hospital as an inpatient. Part A covers the surgery and any inpatient days in a semi-private room once you meet your deductible.

Medicare Part B will cover the rehabilitation costs mentioned above. You will pay 20% of the expenses for that treatment.

How can I find the best cardiac rehabilitation programs for Medicare?

After a severe surgery such as a heart bypass, you’ll want to ensure that the ones providing you care can do so. Check with Medicare.gov for updated information. Generally, Medicare covers 80% of the cost of rehab sessions held in a doctor’s office. Rehab sessions at a hospital will have you pay a copay and your Part B deductible. 

There are a few things to look for when you’re considering cardiac rehab facilities, including:

  • How convenient is the location to your house?
  • Is it a Medicare-approved facility and program?
  • Will the program also take your mental health into account?
  • Will it help you transition back into your normal routine?

Check online for reviews from former patients and their families to see if the rehab facility is right for you.

What should I expect from cardiac rehab?

After heart surgery, your body will need time to recover and heal. You may have trouble doing some activities at first, but rehab can help you regain your strength and confidence. Heed your doctor’s advice to take it easy.

During your rehab, you’ll likely have a lot of discussions and exercises with your caretaker. During your treatment, you can expect to:

  • Learn how to monitor blood sugar
  • Track your heart rate
  • Understand how to eat healthier
  • Learn how to exercise in responsible increments

During your treatment, you’ll learn more about your body and how to take the best care of it. Your physical therapist will also help you regain your range of movement.

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Cardiac Rehab and Medicare: The Bottom Line

When your doctor says you need open-heart bypass surgery, you may stress about the cost. However, Medicare will cover most of the bills — including rehab.

Now that you know Medicare covers cardiac rehab enter your ZIP code into our free quote tool to see what you could pay for a policy.