Does job-based or Marketplace insurance cover cardiac rehab?

Usually covered after a qualifying heart event. Plans cover cardiac and pulmonary rehab with a referral, typically up to 36 sessions. Cost: Per-session copay or coinsurance.

Does Original Medicare cover cardiac rehab?

Yes, Medicare covers cardiac and pulmonary rehab programs. Part B covers programs after a heart attack, bypass, stent, or certain heart conditions. Cost: Generally 20% of the Medicare-approved amount after the Part B deductible.

Does Medicare Advantage cover cardiac rehab?

Yes, Medicare covers cardiac and pulmonary rehab programs. Part B covers programs after a heart attack, bypass, stent, or certain heart conditions. Medicare Advantage plans must cover this too, but set their own copays and often require in-network providers and prior authorization. Cost: Your plan’s copay or coinsurance: check the Evidence of Coverage.

Does Medicaid cover cardiac rehab?

Covered in many states. Limits vary by state.

Is cardiac rehab covered by insurance?

Supervised exercise and education after a heart event. Here’s how each kind of plan usually handles it.

Ask a specific question Plan a visit: cost and doctors Check it against my plan

Employer or MarketplaceUsually covered
Usually covered after a qualifying heart event.
More details
Plans cover cardiac and pulmonary rehab with a , typically up to 36 sessions.
Cost: Per-session copay or coinsurance.
Original MedicareUsually covered
Yes, Medicare covers cardiac and pulmonary rehab programs.
More details
covers programs after a heart attack, bypass, stent, or certain heart conditions.
Cost: Generally 20% of the Medicare-approved amount after the Part B deductible.
Medicare AdvantageUsually covered
Yes, Medicare covers cardiac and pulmonary rehab programs.
More details
covers programs after a heart attack, bypass, stent, or certain heart conditions. plans must cover this too, but set their own copays and often require in-network providers and prior authorization.
Cost: Your plan’s copay or coinsurance: check the Evidence of Coverage.
MedicaidCovered with conditions
Covered in many states.
More details
Limits vary by state.

Plan type	How it’s usually covered
Employer or MarketplaceUsually covered	Usually covered after a qualifying heart event. Plans cover cardiac and pulmonary rehab with a , typically up to 36 sessions. Cost: Per-session copay or coinsurance.
Original MedicareUsually covered	Yes, Medicare covers cardiac and pulmonary rehab programs. covers programs after a heart attack, bypass, stent, or certain heart conditions. Cost: Generally 20% of the Medicare-approved amount after the Part B deductible.
Medicare AdvantageUsually covered	Yes, Medicare covers cardiac and pulmonary rehab programs. covers programs after a heart attack, bypass, stent, or certain heart conditions. plans must cover this too, but set their own copays and often require in-network providers and prior authorization. Cost: Your plan’s copay or coinsurance: check the Evidence of Coverage.
MedicaidCovered with conditions	Covered in many states. Limits vary by state.

What usually has to be true

A referral and qualifying diagnosis are required.

Good to know

Programs typically run 36 sessions over 12 weeks.

Physical therapy · Outpatient PT for injuries, surgery recovery, and pain.

Sources

Typical rules for 2026 plans, checked against these sources on October 20, 2026. Your plan’s own documents decide.

1
What Marketplace plans cover
HealthCare.gov
Marketplace plans cover outpatient care, hospitalization, mental health care, prescription drugs, rehabilitation, laboratory services, preventive services, and other essential benefit categories.
2
Cardiac rehabilitation
Medicare.gov
Part B covers comprehensive cardiac rehabilitation programs for people who have had a heart attack, heart surgery, or certain heart conditions.
3
Compare Original Medicare and Medicare Advantage
Medicare.gov
Medicare Advantage plans cover everything Original Medicare covers (except hospice, which Original Medicare continues to pay), usually use provider networks, often require referrals or prior authorization, and may offer extra benefits such as dental, vision, and hearing.
4
Mandatory and optional Medicaid benefits
Medicaid.gov
States must cover mandatory benefits such as inpatient and outpatient hospital care, physician services, laboratory and X-ray services, home health, and nursing facility care; many other benefits, including adult dental, vision, and prescription drugs coverage details, are state options.

General information about how coverage usually works, not a decision about your plan. Your plan documents and insurer have the final word.

Is cardiac rehab covered by insurance?

What usually has to be true

Good to know

Related

Sources