Cardiac Rehabilitation Cost Calculator
Estimate the total cost of cardiac rehabilitation including Phase II sessions, Phase III maintenance, medications, and support programs. See how insurance covers your rehab and the long-term healthcare savings from completing your program.
Cardiac Rehabilitation Sessions (Phase II)
Insurance Coverage
Medicare covers cardiac rehab at 80% after deductible. Private plans vary.
Phase III Maintenance Program
Cardiac Medications (Monthly Costs)
Supportive Programs & Transportation
Your Retirement Savings
Cardiac Rehab Affordability Score
Cardiac rehab is well within your financial reach. Completing the full program is one of the best investments in your long-term heart health and can significantly reduce future cardiac costs.
Total Out-of-Pocket
$6,837
Potential Future Savings
$25,500
Total Program Cost
$12,600
36 sessions
Insurance Covers
$10,903
87% of sessions
Your Total Cost
$6,837
all expenses included
Monthly During Rehab
$986
~12 weeks
Insurance Coverage vs. Your Costs
How cardiac rehab expenses are split between insurance and out-of-pocket
Total
$17,740
Insurance Pays
61%$10,903/yr
Your Out-of-Pocket
10%$1,697/yr
Transportation
5%$900/yr
Medications & Support
24%$4,240/yr
Cost Breakdown by Category
Where your cardiac rehabilitation dollars go
Total
$6,837
Rehab Sessions (OOP)
25%$1,697/yr
Transportation
13%$900/yr
Medications (12 mo)
21%$1,440/yr
Dietary Counseling
9%$600/yr
Stress Management
6%$400/yr
Phase III Maintenance
26%$1,800/yr
Monthly Cost Projection (12 Months)
Rehab sessions, medications, and support costs month by month
Rehab Investment vs. Potential Future Savings
Completing cardiac rehab reduces risk of costly future cardiac events
Total
$32,337
Rehab Total Cost
21%$6,837/yr
Potential Future Savings
79%$25,500/yr
Session-by-Session Breakdown
Detailed cost projection for each cardiac rehab session
| Session | Session Cost | Insurance Pays | Your Cost | Transport | Cumulative Total |
|---|---|---|---|---|---|
| 1 | $350 | $53 | $297 | $25 | $322 |
| 6 | $350 | $310 | $40 | $25 | $647 |
| 11 | $350 | $310 | $40 | $25 | $972 |
| 16 | $350 | $310 | $40 | $25 | $1,297 |
| 21 | $350 | $310 | $40 | $25 | $1,622 |
| 26 | $350 | $310 | $40 | $25 | $1,947 |
| 31 | $350 | $310 | $40 | $25 | $2,272 |
| 36 | $350 | $310 | $40 | $25 | $2,597 |
Personalized Insights
Actionable recommendations based on your numbers
Total cardiac rehab cost: $6,837
Your 36-session Phase II program plus 12 months of Phase III maintenance costs $6,837 out-of-pocket. This includes $1,697 in session copays, $1,440 in annual medications, and $900 in transportation.
Medicare covers 87% of session costs
Medicare Part B covers cardiac rehab at 80% after the $257 annual deductible. You pay a 20% coinsurance per session. A Medigap supplemental policy can cover your coinsurance. Medicare covers up to 36 sessions with a doctor's referral, and may authorize up to 36 additional sessions if medically necessary.
Completing rehab could save $25,500 in future healthcare costs
Studies show cardiac rehabilitation reduces the risk of future cardiac events by 30%. With an average cardiac event costing $85,000, completing your program could prevent $25,500 in future costs. Net savings after rehab costs: $18,663.
Budget $986/month during active rehabilitation
During your 12-week Phase II program (3 sessions/week), plan for approximately $986 per month covering session copays, transportation, and medications. After Phase II ends, ongoing costs drop to medications ($120/month) plus Phase III maintenance ($150/month).
Long-term medication costs: $1,440 per year
Cardiac medications are typically lifelong. At $120/month, you will spend $1,440 annually. Ask your doctor about generic alternatives, use GoodRx or similar discount programs, and check if you qualify for Medicare Extra Help or pharmaceutical patient assistance programs to reduce costs.
Retirement savings impact: $4,188
Cardiac rehab expenses reduce your projected retirement balance by $4,188 due to reduced contributions during your treatment period. This translates to approximately $14 less per month in retirement income. However, investing in rehab now can prevent far more expensive cardiac emergencies later.
Phase III maintenance extends your cardiac rehab benefits
Continuing with Phase III at $150/month for 12 months ($1,800 total) helps maintain the cardiovascular gains from Phase II. While typically not covered by insurance, Phase III programs provide structured exercise and ongoing monitoring that further reduce your long-term cardiac risk.
Maximize your Medicare cardiac rehab benefits
Medicare covers 36 supervised cardiac rehab sessions per qualifying event (heart attack, bypass, stent, heart failure, etc.). Your doctor can request up to 36 additional sessions if medically necessary. Ask about Intensive Cardiac Rehabilitation (ICR) programs like Pritikin or Ornish, which Medicare also covers and provide 72 sessions with comprehensive lifestyle coaching.