Medicare Coverage for Zio Patch: Everything You Need to Know

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Before exploring Medicare coverage, let’s familiarize ourselves with the Zio Patch. The Zio Patch, also known as the Zio XT Patch, is a wearable cardiac monitor that provides continuous, noninvasive monitoring of a patient’s heart rhythm. It is a small, adhesive patch that is placed on the chest and worn for an extended period, usually up to two weeks. The Zio Patch records data on the heart’s electrical activity, enabling healthcare professionals to diagnose and monitor various cardiac conditions.

Medicare Part B Coverage for Zio Patch

Medicare Part B, which covers medically necessary outpatient services, plays a vital role in determining the coverage for the Zio Patch. As the Zio Patch is classified as a medical device, its coverage falls under Part B rather than Part A (hospital insurance). To be eligible for Medicare coverage, the Zio Patch must meet certain criteria and be deemed medically necessary.

Medical Necessity Criteria

For Medicare to cover the Zio Patch, it must be prescribed by a healthcare provider who determines that the patient requires continuous cardiac monitoring. The medical necessity is typically evaluated based on factors such as the patient’s symptoms, medical history, and the need for a comprehensive assessment of the heart’s electrical activity.

Coverage Limitations and Cost Considerations

Medicare coverage for the Zio Patch includes both the device itself and the professional interpretation of the recorded data. However, it’s important to note that Medicare generally covers 80% of the approved amount for the Zio Patch, while the remaining 20% is the responsibility of the patient. This 20% is typically paid through deductibles, coinsurance, or supplemental insurance plans.

Obtaining Medicare Coverage for the Zio Patch

To ensure a smooth process in obtaining Medicare coverage for the Zio Patch, it is essential to follow these steps:

Consultation with Healthcare Provider

Schedule an appointment with your healthcare provider to discuss your symptoms and the need for continuous cardiac monitoring. Your provider will assess your medical condition and determine if the Zio Patch is necessary for your diagnosis or treatment.

Prescription and Documentation

If your healthcare provider determines that the Zio Patch is medically necessary, they will write a prescription for the device. The prescription should include specific details, such as the duration of monitoring and the reason for its necessity.

Supplier Selection

Choose a supplier that participates in Medicare and provides the Zio Patch. Ensure that the supplier accepts assignment, meaning they agree to accept the Medicare-approved amount as full payment for the device.

Medicare Coverage Verification

Contact Medicare or your Medicare Advantage plan to verify coverage for the Zio Patch. Provide them with the necessary information, including the prescription and supplier details. This step ensures that you understand the extent of your coverage and any out-of-pocket costs you may incur.

Obtaining the Zio Patch

Once your coverage is confirmed, you can proceed with obtaining the Zio Patch from the selected supplier. Follow their instructions on receiving and wearing the device correctly. It’s crucial to adhere to the specified wear time and any other guidelines provided.


Understanding Medicare coverage for the Zio Patch is crucial for individuals who require continuous cardiac monitoring. By following the necessary steps and meeting the medical necessity criteria, you can ensure that Medicare covers the Zio Patch, easing the financial burden associated with its use. Stay informed about your Medicare benefits to make informed decisions about your healthcare.


  • Medicare Part B covers the Zio Patch when it is deemed medically necessary.
  • The Zio Patch must be prescribed by a healthcare provider after evaluating the patient’s condition.
  • Medicare generally covers 80% of the approved amount for the Zio Patch.
  • Patients are responsible for the remaining 20% through deductibles, coinsurance, or supplemental insurance plans.

Useful Resources:

  1. – Durable Medical Equipment
  2. Centers for Medicare & Medicaid Services – Medicare Coverage of Durable Medical Equipment
  3. National Institute on Aging – Medicare and You
  4. American Heart Association – Heart Monitor (Event Recorder, Holter Monitor, and Mobile Cardiac Telemetry)

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