Does Medicare Cover Home Heart Monitors?
Fair Square Medicare

Does Medicare Cover Home Heart Monitors?

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By Daniel Petkevich

Dec 1, 2022

Read this before buying a monitor

Cardiac monitoring technology has improved rapidly. Has Medicare coverage of them improved rapidly as well? It's difficult to say, as the judgment for whether you are covered has remained the same. If the device is medically necessary, then you're covered. Otherwise, you will have to pay for a home heart monitor out-of-pocket. Is your device covered? Let's find out.

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What is a home heart monitor?

Home heart monitors are devices that allow physicians to monitor your heart rate and rhythm while you're at home. These devices can alert you or your doctor to potential abnormalities in your heart rhythms and provide information about how your body is responding to medication, diet, or other lifestyle changes.

The two main types of home heart monitors are Holter Monitors and Event Monitors. A Holter Monitor records your heart’s electrical activity for 24 hours or longer, while an Event Monitor records it when you experience symptoms such as chest pain or palpitations.

How do you know if you need a home heart monitor?

Your doctor will determine if a home heart monitor is necessary for your medical care. If they think you need one, they'll likely order it and submit a claim to Medicare.

Once the device has been ordered and approved, your doctor may be able to prescribe the device directly or you might have to get it from a durable medical equipment provider.

You might still want a personal EKG device like the KardiaMobile, but in that instance you will be paying the cost out-of-pocket.

What are the benefits of having a home heart monitor?

A home heart monitor can provide an accurate and real-time assessment of your heart rhythm. It can identify irregularities that may need further investigation or treatment, and it can also alert you to changes in your heart rate or rhythm that could indicate a potential problem. Additionally, it can help your doctor adjust medication dosages or make other lifestyle changes to ensure your heart health.

Does Medicare cover home heart monitors?

Yes, if a home heart monitor is deemed medically necessary by your doctor then it will be covered by Medicare. The device must be prescribed and ordered by your doctor and then obtained from a durable medical equipment provider. However, personal EKG devices like the KardiaMobile will not be covered by Medicare and must be paid for out-of-pocket.

What are some examples of home heart monitors?

Some examples of home heart monitors include Holter and event monitors, implantable loop recorders, and cardiac rhythm management (CRM) devices. Holter and event monitors are non-invasive portable devices that use electrodes to detect your heart's electrical activity. Implantable loop recorders are small devices implanted in the chest or abdomen that continuously monitor your heart. And cardiac rhythm management (CRM) devices are tiny computers that are implanted into the chest to monitor and regulate your heartbeat.

How to get a home heart monitor if you need one?

If your doctor has determined that you need a home heart monitor, they will submit a claim to Medicare. Once the device has been approved and ordered, you may be able to get it prescribed directly by your doctor or from a durable medical equipment provider. It’s important to follow your doctor’s instructions when using the device and to contact them right away if you experience any problems or abnormalities with your heart rhythm.

How to use a home heart monitor?

It’s important to read the instructions carefully when using a home heart monitor. Generally, you will be asked to attach electrodes to your chest and then operate the device according to its specifications. Depending on the type of device, you may need to wear it for a certain amount of time or wait until you experience symptoms before turning it on. Also, be sure to keep your doctor informed of any changes or abnormalities you notice in your heart rhythm.

If you have questions or concerns about using a home heart monitor, speak with your doctor before proceeding. They can answer any questions you may have and provide guidance on how best to use the device.

Common problems with home heart monitors and how to solve them

Common problems with home heart monitors include inaccurate readings, low battery life, and difficulty connecting to other devices. To solve these issues, make sure you have the latest updates on your device, clean the electrodes regularly, and replace batteries as needed. Also, check that all connections are working properly and restart the device if necessary. If you're having difficulty connecting to other devices, try restarting the device or checking that your settings are correct. If none of these solutions work, contact your doctor for further assistance.

Finally, if you're experiencing any adverse reactions from using a home heart monitor, stop using it immediately and contact your doctor.

The cost of owning a home heart monitor

The cost of owning a home heart monitor varies depending on the type and features of the device. Generally, most devices range from $20 to several thousand dollars. Medicare might cover some or all of the costs associated with obtaining a medically necessary device, though copayments may apply depending on your plan. You can check with your doctor and Medicare to determine any applicable costs. Additionally, you may be able to purchase a home heart monitor from an online retailer or medical supply store at discounted prices.

Finally, it's important to keep in mind that the most expensive device isn't necessarily the best one for your needs. Talk with your doctor about the features and benefits of a particular device to make sure it meets both your medical and financial requirements.


In conclusion, home heart monitors can be an effective way to monitor your heart rate and rhythm, but you must get approval from your doctor before Medicare covers the cost of one. Be sure to follow your doctor’s instructions when considering a heart monitor. This content is for informational purposes only. If you've got questions about your Medicare coverage, call us at Fair Square Medicare.

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Join the Fair Square Medicare Newsletter to stay informed on cost savings, changes to Medicare, and other valuable healthcare information.

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