Does Medicare cover cardiac rehabilitation?
Yes, for qualifying heart conditions. Medicare covers cardiac rehabilitation and intensive cardiac rehabilitation for patients with certain conditions, such as a recent heart attack, heart failure, or bypass surgery.
Reviewed by Brad S. · Licensed Florida Health Insurance Agent
Updated June 2026. Written and reviewed by a licensed agent at United Liberty Insurance Agency LLC to ensure accuracy. We cite official sources (HealthCare.gov, CMS, KFF) wherever possible.
What you need to know
- Covered for qualifying events including recent heart attack, stable chronic heart failure, coronary bypass, and certain other conditions.
- Programs include monitored exercise, education, and counseling.
- Standard Part B cost-sharing (20% after deductible) typically applies in outpatient settings.
The official rule
This coverage is governed by Medicare National Coverage Determination NCD 20.10.1 — “Cardiac Rehabilitation Programs for Chronic Heart Failure” (last updated Dec 2024). For the official details and any recent changes, see the Medicare coverage tool at Medicare.gov.
What this means for your wallet
Medigap can reduce your out-of-pocket coinsurance across a full rehab program, which adds up over many sessions.
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Related coverage questions
Source: CMS Medicare Coverage Database (National Coverage Determinations) and Medicare.gov. Coverage rules can change and may vary by situation; this page is educational and not a guarantee of coverage. For official determinations, visit Medicare.gov or call 1-800-MEDICARE.