Short answer: If you have commercial insurance and want one-on-one sessions, Bloom Medical bills your plan directly. Carda Health offers commercial members a cash-pay option instead. Kivo Health focuses on COPD and delivers sessions in a group video format. Morlen Health does not list asthma among its qualifying conditions. If you have Medicare Part B, all four are options worth comparing.
Choosing a virtual pulmonary rehab provider is mostly a question of three things: whether your insurance is billed or you pay cash, whether your sessions are one-on-one or in a group, and whether your specific condition qualifies. Here is how the four providers compare on each, based on what each company publishes.
How the four providers compare
| Bloom Medical | Carda Health | Kivo Health | Morlen Health | |
|---|---|---|---|---|
| Commercial insurance | Billed directly to Aetna, Cigna, Anthem BCBS, Horizon BCBS and UnitedHealthcare | Cash-pay option offered to commercial and Medicare Advantage members | Not specified publicly | Accepts commercial plans; works with your insurer when not in network |
| Medicare Part B | Yes, in New Jersey and California, delivered in small groups | Yes | Medicare-supported | Yes |
| Session format | One-on-one for commercially insured patients | Clinician-matched sessions monitored by exercise physiologists | Live video sessions twice a week; a published profile describes a group class format | Weekly 1:1 respiratory therapist visit plus group exercise classes |
| Who leads care | Licensed respiratory therapists and exercise physiologists | Exercise physiologists overseen by a physician | Respiratory therapists | Pulmonologist-led team with respiratory therapists and exercise physiologists |
| Conditions | COPD, moderate to severe asthma, ILD, pulmonary fibrosis, long COVID | Cardiac and pulmonary, including COPD | COPD focus | Moderate to severe COPD, ILD, pulmonary hypertension |
| Equipment | Remote monitoring, no clinic travel | Ships a tablet and monitoring devices | Ships a kit with tablet and pulse oximeter | Digital health monitoring |
Comparison compiled September 2026 from each company’s public website and published profiles. Programs change. Confirm current details with each provider before deciding.
If you have commercial insurance
This is where the difference is sharpest. Carda Health states that its program is covered by Medicare Part B and supplemental plans, and that cash-pay options are available for Medicare Advantage and commercial insurance members. For a commercially insured patient, that means paying out of pocket.
Bloom Medical bills commercial plans directly. If you carry Aetna, Cigna, Anthem BCBS, Horizon BCBS or UnitedHealthcare, your rehabilitation is processed as a covered medical service, not a cash purchase. Your cost is whatever your plan’s copay or deductible terms say it is.
That difference matters most for working-age adults. People in their forties, fifties and early sixties with COPD or severe asthma are usually on an employer plan, not Medicare, and they are the group most often told that pulmonary rehab means driving to a hospital three mornings a week.
If you want one-on-one instead of a group
Group sessions work well for many patients. They are also, for some conditions and some payers, the standard way rehab is delivered.
Bloom Medical delivers one-on-one sessions to commercially insured patients. Your respiratory therapist works with you alone, adjusts the plan to your pace, and sees your numbers in real time without splitting attention across a class.
Kivo Health runs live video sessions twice a week; a published profile of the company describes a group video class format. Morlen Health combines a weekly one-on-one respiratory therapist visit with group exercise classes.
One honest caveat: for Medicare Part B patients, Bloom delivers rehabilitation in small groups rather than one-on-one, and only in New Jersey and California. That is a reimbursement rule, not a preference, and we will tell you so on the first call rather than after you enroll.
If you have moderate to severe asthma
Asthma is where the field thins out considerably.
Morlen Health’s published enrollment criteria cover moderate to severe COPD, interstitial lung disease and pulmonary hypertension. Asthma is not on that list. Kivo Health describes itself as focused on chronic lung disease with an emphasis on COPD.
Bloom Medical treats moderate to severe asthma as a core program rather than an edge case. If inhalers alone are not holding your symptoms, if you are still limiting what you do because of your breathing, or if you have had more than one course of oral steroids this year, rehabilitation is worth asking your doctor about.
Questions to ask any virtual rehab provider
- Will you bill my insurance, or am I paying cash? Ask for the answer specific to your plan, not a general statement.
- Are my sessions one-on-one or in a group? Ask how many people are in a group session.
- Who is actually on screen with me, and what is their license?
- Does my specific diagnosis qualify for your program?
- How many sessions, over how many weeks, and what happens when the program ends?
- Do you need a referral or a prescription from my doctor before I start?
Frequently asked questions
Published clinical evidence comparing home-based and centre-based pulmonary rehabilitation has found comparable outcomes on exercise capacity and quality of life measures. The larger practical advantage of virtual programs is completion: transportation, cost of travel and distance from a rehab centre are among the most cited reasons patients never finish, or never start.
Usually yes. Pulmonary rehabilitation is a prescribed medical service, so most plans require an order from your physician. Bloom Medical coordinates that with your doctor’s office as part of enrollment.
Bloom Medical accepts COPD including emphysema and chronic bronchitis, moderate to severe asthma, interstitial lung disease, pulmonary fibrosis, and long COVID respiratory symptoms.
Bloom Medical operates professional entities in New Jersey, New York, Florida, California and Texas. Medicare Part B is accepted in New Jersey and California only.
See whether you qualify
Checking takes a few minutes. Call (866) 972-8228 to speak with someone directly, or complete the eligibility form and we will call you back.
This page is general information, not medical advice. Talk with your physician about whether pulmonary rehabilitation is right for your condition.
Get the weekly Bloom Medical breathing letter
One short email a week: a breathing technique you can use that day, a patient question answered by our respiratory therapy team, and one myth about lung disease corrected. No cost, and you can unsubscribe in one click.