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 your insurance is not one we can bill, or you do not have insurance, Bloom also offers a cash pay option that is not billed to insurance. Every rehab session is one on one. Bloom accepts Original Medicare Part B in New Jersey and California, and every session is one-on-one. Medicare in New York, Florida and Texas is coming soon. The 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 | Cash 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 | One-on-one, live over secure video |
| Program length | Set by your care plan and your benefits | Set with your care team |
| Doctor’s referral | Usually required by your plan | Not required by a plan |
| Prior authorization | Required by some plans | Not required |
| Equipment | Remote monitoring, no clinic travel | No clinic travel |
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.
Cash pay option
If your insurance is not one we can bill, your plan does not cover pulmonary rehab, or you do not have insurance, you can still join as a cash pay patient. It is the same program: one-on-one sessions with a licensed clinician, live over secure video.
Because it is not billed to insurance, there is no prior authorization and no visit cap. Call us or complete the See if you qualify form, and our team will go over the price and next steps with you. You will know the price before you decide, and there is no obligation.
Call (866) 972-8228 or see if you qualify to ask about cash pay.
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
Bloom accepts Original Medicare Part B in New Jersey and California. Medicare in New York, Florida and Texas is coming soon. The program is not covered by Medicaid, or by other federal or supplemental insurance plans, in any state. If one of these is your coverage, or you live in a state where Medicare is not accepted yet, 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, and checks your benefits before your first session.
Yes. If your insurance is not one we can bill, or you do not have insurance, you can join as a cash pay patient. Sessions are one-on-one and live over secure video. It is not billed to insurance, and our team goes over the price with you before you start. You can ask for a Good Faith Estimate of the cost before you schedule.
In New Jersey and California, yes. Bloom accepts Original Medicare Part B there, and every session is one-on-one. Medicare in New York, Florida and Texas is coming soon, and Medicaid and other federal or supplemental plans do not cover Bloom’s program in any state. If Medicare is your coverage in another state, your doctor can help you find a pulmonary rehab program your plan covers.
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.
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? Ask about our cash pay option when you call.
This page is general information, not medical advice. Talk with your physician about whether pulmonary rehabilitation is right for your condition.