Short answer up top, then the exact rule. Here's what Original Medicare does and doesn't cover for cardiac rehabilitation in 2026 — and where a Medicare Advantage plan can fill the gap.
Quick answer: Yes. Medicare Part B covers cardiac rehabilitation — supervised exercise, education, and counseling — after certain heart events. After the Part B deductible you pay 20% of the Medicare-approved amount, plus a copay if it's in a hospital outpatient setting.
Medicare Advantage (Part C) plans must cover cardiac rehab, but your copay, coinsurance, and any network or prior-authorization rules are set by the plan — check the plan's benefit details and use in-network facilities.
People recovering from a heart attack, heart surgery, or heart failure. Cardiac rehab is a covered Part B benefit — the main out-of-pocket is the 20% coinsurance (plus a hospital copay in an outpatient department), which a Medigap plan can help cover.
See the current Part A, Part B, and Part D numbers — premiums, deductibles, and the new drug cap — in one place. Free, no signup.
See 2026 Medicare Costs →Yes. Part B covers cardiac rehabilitation after a heart attack and several other heart conditions — bypass surgery, heart failure, stable angina, and valve repair or replacement. You pay 20% of the approved amount after the deductible, plus a copay in a hospital outpatient setting.
After you meet the Part B deductible, you pay 20% of the Medicare-approved amount in a doctor's office. In a hospital outpatient department you pay that plus a hospital copayment. A Medigap plan can cover part or all of the 20% coinsurance.
Coverage gaps in Original Medicare — like cardiac rehabilitation — are exactly what a Medicare Advantage or Medigap plan is meant to fill. Our free Enrollment Finder shows the window you can switch in, and the guide library walks through the trade-offs. This page is free to share with anyone weighing their options.
Open the Enrollment Finder →This answer is based on U.S. government Medicare coverage rules: