Short answer: Bloom Medical bills major commercial insurance plans directly for virtual pulmonary rehab, and your cost is set by your plan’s copay, coinsurance or deductible. If you would rather pay out of pocket, Bloom also offers a private-pay program that is not billed to insurance. Medicare Part B is accepted in New Jersey and California, and every session is one-on-one. Bloom’s program is not covered by Medicaid, or by other federal or supplemental insurance plans.
Paying for pulmonary rehab comes down to two questions: does your plan cover it, and would you rather use that coverage or pay directly? Here is how each option works at Bloom.
Coverage at a glance
| Commercial insurance | Self-pay (out of pocket) | |
|---|---|---|
| How it is paid | Billed directly to your plan | Paid directly to Bloom, not billed to insurance |
| Plans | Aetna, Cigna, Anthem BCBS, Horizon BCBS and UnitedHealthcare | No insurance needed |
| What you pay | Your plan’s copay, coinsurance or deductible | Quoted before you start |
| Sessions | One-on-one, live over secure video | Private and one-on-one, live over secure video |
| Program length | Set by your care plan and your benefits | As long as you want to work with us |
| Doctor’s referral | Usually required by your plan | Not required |
| Prior authorization | Required by some plans | Not required |
| Equipment | Remote monitoring, no clinic travel | Included |
If you have commercial insurance
Bloom Medical bills major commercial insurance plans directly, including Aetna, Cigna, Anthem BCBS, Horizon BCBS and UnitedHealthcare. Your rehabilitation is processed as a covered medical service, not a cash purchase, and your cost is whatever your plan’s copay, coinsurance or deductible terms say it is.
Before your first session, we check your benefits so you know where you stand. Coverage varies by plan and by state, so the answer that matters is the one for your specific plan.
Commercially insured patients work one-on-one with a licensed respiratory therapist or exercise physiologist, who adjusts the plan to your pace and sees your numbers in real time instead of splitting attention across a class.
That matters for working-age adults. People in their forties, fifties and early sixties with COPD or severe asthma are usually on an employer plan, and a hospital program that meets two or three times a week is hard to fit around a job.
If you would rather pay out of pocket
If you would rather pay directly, or your plan does not cover pulmonary rehab, Bloom offers a private-pay program: private, one-on-one sessions, delivered fully virtually, with equipment included, for as long as you want to work with us.
Because it is not billed to insurance, there is no prior authorization, no visit cap, and no referral needed to start. The first step is a private consultation call to confirm the program is a fit. You will know the price before you decide, and there is no obligation.
See the private-pay program and book a consultation
Right to receive a Good Faith Estimate. You have the right to receive a Good Faith Estimate explaining how much your care will cost. Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for items and services. You can ask for a Good Faith Estimate before you schedule, and you will receive one in writing after you schedule. If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. For questions or more information, visit www.cms.gov/nosurprises or call 1-800-985-3059.
Medicare, Medicaid, federal and supplemental plans
Medicare Part B is accepted in New Jersey and California, and every session is one-on-one. In other states, Bloom’s program is not covered by Medicare. It is not covered by Medicaid, or by other federal or supplemental insurance plans, in any state. If one of these is your coverage, your doctor can help you find a pulmonary rehab program your plan covers.
Conditions Bloom treats
Bloom works with people living with COPD, including emphysema and chronic bronchitis, moderate to severe asthma, interstitial lung disease, pulmonary fibrosis, and long COVID respiratory symptoms. Whether your plan covers rehab for your diagnosis is part of what we confirm when we check your benefits.
Moderate to severe asthma is a core program at Bloom, not 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 your insurance plan
- Is outpatient pulmonary rehabilitation a covered benefit on my plan?
- Is it covered when it is delivered by telehealth?
- Do I need a referral or prior authorization before the first session?
- What will I pay per session, and how much of my deductible is left?
- Is there a limit on how many sessions are covered?
Frequently asked questions
Many commercial plans cover pulmonary rehabilitation when your doctor orders it, but coverage for telehealth delivery varies by plan. Bloom Medical bills major commercial plans directly, including Aetna, Cigna, Anthem BCBS, Horizon BCBS and UnitedHealthcare, accepts Medicare Part B in New Jersey and California, and checks your benefits before your first session.
Yes. Bloom offers a private-pay program for people who would rather pay directly or whose plan does not cover rehab. Sessions are private and one-on-one, delivered fully virtually with equipment included, and you can continue for as long as you want to work with us. It is not billed to insurance. You can ask for a Good Faith Estimate of the cost before you schedule.
In New Jersey and California, yes. Bloom accepts Medicare Part B there, and every session is one-on-one. In other states Medicare does not cover Bloom’s program, and Medicaid and other federal or supplemental plans do not cover it in any state.
For insurance-covered rehab, usually yes. Pulmonary rehabilitation is a prescribed medical service, so most plans require an order from your physician, and Bloom Medical coordinates that with your doctor’s office as part of enrollment. The private-pay program does not require a referral.
Bloom Medical works with COPD, including emphysema and chronic bronchitis, moderate to severe asthma, interstitial lung disease, pulmonary fibrosis, and long COVID respiratory symptoms. Whether your plan covers rehab for your diagnosis is confirmed when we check your benefits.
Bloom Medical operates professional entities in New Jersey, New York, Florida, California and Texas. Coverage depends on your plan and your state, and we confirm both before you start.
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. Prefer to pay out of pocket? See the private-pay program.
This page is general information, not medical advice. Talk with your physician about whether pulmonary rehabilitation is right for your condition.