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The rules say that plans must pay for a medical service or item if regular Medicare would pay for it in this case. 
You can find this rule at 42 Code of Federal Regulations (CFR) Section 422.101. 
 
Stress testing with cardiac imaging will be considered medically reasonable and necessary for: 
1. Patients experiencing new, recurrent, or worsening cardiac symptoms, including otherwise unexplained 
angina equivalent symptoms 
2. New-onset atrial fibrillation (with no prior cardiac evaluation).
10,12,13
 
3. Patients with disease conditions associated with CAD (e.g., atherosclerotic abdominal aortic aneurysm, 
peripheral vascular disease, carotid artery disease, chronic renal failure) with no stress imaging 
evaluation performed within the preceding 2 years and are unable to exercise.
5,7,10,17
 
4. Patients without clear cardiac symptoms in the presence of an elevated cardiac troponin.
6,8
 
5. Patients without cardiac symptoms who underwent a PCI (with stent) procedure more than 2 years prior 
or a CABG more than 5 years prior and have not undergone an evaluation for CAD within the past 2 
years (stress echocardiogram, SPECT MPI, PET MPI, CMR, coronary computed tomography 
angiography [CCTA], cardiac catheterization) and are unable to exercise.
6,7,8,15,17,18
 
6. Patients with established CAD who experienced an ACS event (STEMI, NSTEMI, or unstable angina) 
within the past 90 days provided that they did not undergo coronary angiography at the time of the 
acute event and are currently clinically stable.
6,8
 
7. Evaluating new, recurrent, or worsening left ventricular dysfunction/congestive heart failure.
6-8,10,23
 
8. Assessing myocardial viability in patients with significant ischemic ventricular dysfunction (suspected 
hibernating myocardium) and persistent symptoms or heart failure such that revascularization would be 
considered.
6-9,15,23
 
9. Pre-operative cardiac evaluation in patients not able to exercise and who will be undergoing noncardiac 
surgery 
10. Asymptomatic patients with a coronary calcium Agatston score >400.
6-8,17
 11. Planned cardiac or other solid-organ transplant when no cardiac evaluation has been performed within 
the past year.
10,24
 
12. Patients who will be treated with interleukin 2 products for various malignant disorders.
25
 The Food and 
Drug Administration (FDA) has issued a black box warning for interleukin 2 products. See the FDA 
drug label for the FDA black box warning: https://labels.fda.gov/  
13. Stress echocardiography for the evaluation of moderate to severe valvular heart disease, suspected 
pulmonary artery hypertension, and re-evaluation of exercise-induced pulmonary hypertension to 
evaluate response to therapy.
6,26
 
 
14. Stress echocardiography for the detection and quantification of dynamic left ventricular outflow tract 
(LVOT) obstruction in the absence of resting LVOT in patients with HCM.
14
 
 
15. CMR in patients with HCM when echocardiography is inconclusive or there are poor echocardiograph 
imaging windows.
4
 
 
16. Evaluation of transplant coronary artery disease (TCAD) or cardiac allograft vasculopathy (CAV) in 
patients with a history of organ transplantation.
27-40
 
 
17. Utilization of PET MPI in the determination of cardiac involvement using fluorodeoxyglucose (F-18 
FDG) to diagnose cardiac sarcoidosis in patients who are unable to undergo MRI,have inconclusive 
MRI findings, or when high probability of disease exists even after a negative MRI. Examples of 
patients who are unable to undergo MRI include, but are not limited to, patients with metal 
implants.
15,41-48
 
 
18. Utilization of PET MPI using fluorodeoxyglucose (F-18 FDG) to determine response to 
immunosuppressive therapy in patients diagnosed with cardiac sarcoidosis.
15,41-45,47,48
 
 
19. Additional indications for PET Scans and SPECT are outlined in the CMS IOM Publication 100-03, 
Medicare National Coverage Determinations (NCD) Manual, Chapter 1, Part 4, Sections 220.6 Positron 
Emission Tomography (PET) Scans, 220.6.1 PET for Perfusion of the Heart, 220.6.8 FDG PET for 
Myocardial Viability, and 220.12 Single Photon Emission Computed Tomography (SPECT). 
 
20. Cardiovascular stress testing may be performed in conjunction with additional cardiac diagnostic tests 
including echocardiography and nuclear cardiac imaging. However, selection of the test should be 
made within the context of other testing modalities so that the expected information does not 
become redundant. 
 
21. Patients with recently demonstrated coronary stenosis of uncertain functional significance in a major 
coronary branch on an anatomic imaging study (coronary angiogram or CCTA) may have one stress 
test with imaging.
6-8,49
 
You can find this rule in the Local Coverage Determination (LCD): Cardiology Non-emergent Outpatient 
Stress Testing (L35083). 
 
If you want to read these Medicare rules, you can go to this website www.medicareappeal.com. 
 
The Plan contract says that the Plan covers items and services in accordance with Medicare rules.