Medicare Coverage for Heart Failure & Cardiac Conditions (2026)

What Medicare covers for heart conditions

• Cardiologist visits: Under Part B.
• Cardiac rehabilitation: Up to 36 sessions after a qualifying cardiac event (heart attack, bypass, stent, transplant, valve repair).
• Intensive cardiac rehab: 72 sessions over 18 weeks for select patients.
• Implanted devices: Pacemakers, ICDs, CRT-D, LVADs covered under Part A (inpatient implantation) and Part B (clinic monitoring).
• Remote device monitoring: Covered.
• Medications: Heart failure drugs (Entresto, SGLT2 inhibitors, GLP-1s for cardiometabolic indications, beta blockers, ACE inhibitors, statins) covered under Part D.
• Cardiac diagnostics: Echo, stress tests, cardiac catheterization, coronary CT angiography.
• Hospital and SNF stays: Under Part A with the standard deductibles.

Best plan structure for heart patients

Original Medicare + Medigap Plan G + Part D is the standard recommendation. Heart conditions often involve multiple specialists and frequent appointments — predictable costs matter. Medigap caps medical out-of-pocket; Part D covers expensive heart failure medications under the new $2,000 cap.

For dual-eligibles or chronic-condition C-SNPs (cardiovascular SNPs exist in some markets), the alternative path can include $0 premium plus enhanced benefits like reduced sodium meal delivery, transportation to cardiac rehab, and care coordination.