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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. 
 
The rules state that 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, AND any of the following: 
 - Physical inability to perform a maximum exercise workload; OR 
 - New or previously unrecognized uninterpretable electrocardiogram (ECG)
 
OR; 
  - ECG is uninterpretable for ischemia due to any one of the following: 
  - Complete left bundle branch block (right bundle branch does not render ECG  
  uninterpretable for ischemia), 
  - Ventricular paced rhythm, 
  - Pre-excitation pattern such as Wolff-Parkinson-White, 
  - A > 1 mm ST segment depression (NOT nonspecific ST/T wave changes), 
  - Left ventricular hypertrophy (LVH) with repolarization abnormalities, also called LVH 
  with strain (NOT without repolarization abnormalities or by voltage criteria), or 
  - Patient on digoxin therapy. 
- A history of coronary artery disease (CAD) based on a prior anatomic evaluation of the 
coronary arteries OR a history of coronary artery bypass graft (CABG) or percutaneous 
coronary intervention (PCI),
 
OR 
- Syncope and collapse (an abrupt, transient, complete loss of consciousness) for patients 
with an intermediate or high coronary heart disease (CHD) risk (adenosine triphosphate 
(ATP) III risk criteria) and where cardiac etiology is suspected based on an initial 
evaluation, including history, physical examination, or ECG and patient is unable to 
exercise;
 
OR 
- Evidence or high suspicion of ventricular arrhythmias:
 
OR 
- Worsening or continuing symptoms in a patient who had a normal or submaximal 
exercise stress test and there is suspicion of a false negative result, OR 
- Patients with recent equivocal or borderline testing where ischemia remains a concern,
 
OR - Patients on beta blocker, calcium channel blocker, and/or antiarrhythmic medication 
when the documentation supports that an adequate workload may not be attainable to 
enable a fully diagnostic exercise study;
 
OR 
- History of false positive exercise stress test (e.g., one that is abnormal, but the 
abnormality does not appear to be due to macrovascular CAD);
 
OR 
- Evaluation of chest pain syndrome after revascularization or in patients with 
intermediate to high pre-test probability for CAD regardless of ECG interpretability or 
ability to exercise;
 
OR 
- High pre-test probability for CAD regardless of ECG interpretability or the ability to 
exercise, and a decision to perform cardiac catheterization or other angiography has not 
already been made;
 
OR 
- Patients with hypertrophic cardiomyopathy (HCM);
 
OR 
2. New-onset atrial fibrillation (with no prior cardiac evaluation). 
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. 
4. Patients without clear cardiac symptoms in the presence of an elevated cardiac troponin. 
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 myocardial perfusion imaging (MPI), positron emission 
tomography (PET) MPI, cardiovascular magnetic resonance (CMR), coronary computed tomography 
angiography [CCTA], cardiac catheterization) and are unable to exercise. 
6. Patients with established CAD who experienced an acute coronary syndrome (ACS) event (ST-segment 
elevation myocardial infarction (STEMI), non-ST elevation myocardial infarction (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. 
7. Evaluating new, recurrent, or worsening left ventricular dysfunction/congestive heart failure. 
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. 
9. Pre-operative cardiac evaluation in patients not able to exercise and who will be undergoing noncardiac 
surgery with one of the following: 
 
- Intermediate risk for surgery (cardiac risk 1-5%), poor (<4 metabolic equivalents [METs]) or 
unknown functional capacity, inability to exercise adequately or ECG uninterpretable for 
ischemia, and the results will affect patient management decisions. 
- High risk for surgery (> 5% cardiac risk), poor (<4 METs) or unknown functional capacity, 
inability to exercise adequately or ECG uninterpretable for ischemia, and the results will affect 
patient management decisions. 
10. Asymptomatic patients with a coronary calcium Agatston score >400. 
11. Planned cardiac or other solid-organ transplant when no cardiac evaluation has been performed within 
the past year. 
12. Patients who will be treated with interleukin 2 products for various malignant disorders.
 
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. 
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. 
15. CMR in patients with HCM when echocardiography is inconclusive or there are poor echocardiograph 
imaging windows. 16. Evaluation of transplant coronary artery disease (TCAD) or cardiac allograft vasculopathy (CAV) in 
patients with a history of organ transplantation. 
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. 
18. Utilization of PET MPI using fluorodeoxyglucose (F-18 FDG) to determine response to 
immunosuppressive therapy in patients diagnosed with cardiac sarcoidosis. 
19. Additional indications for PET Scans and SPECT are outlined in the Centers for Medicare and 
Medicaid Services (CMS) Internet Only Manual (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. 
 
Limitations 

The following are considered not medically reasonable and necessary:  
1. Screening for coronary artery disease in asymptomatic patients unless under specific conditions as 
outlined in this LCD. Please refer to CMS IOM Publication 100-02, Medicare Benefit Policy Manual, 
Chapter 16, Section 20 Services Not Reasonable and Necessary. 
2. Routine screening for CAD in asymptomatic patients with diabetes mellitus. 
3. Routine stress testing in asymptomatic patients with abnormal prior stress imaging. 
4. Routine stress testing in asymptomatic patients with obstructive or nonobstructive CAD without a 
revascularization procedure. 
5. Exercise testing or radiologic imaging within the first 2 years following PCI without specific symptoms 
(e.g., chest pain, ECG changes, etc.). 
6. Utilization of SPECT MPI, PET MPI, stress echocardiography, and CMR in patients with low pretest 
probability of CAD, interpretable ECG, and the ability to exercise. 
7. The routine and repetitive monitoring of patients beyond the first cardiac stress test, in the absence of a 
documented change in condition (e.g., new symptoms or progression of existing symptoms). 
8. Cardiovascular stress testing with or without cardiac imaging if the results will not affect patient 
management decisions. 
9. Cardiovascular stress testing with or without cardiac imaging when a decision to perform cardiac 
catheterization or other angiography has already been made. 
10. Stress testing with or without imaging for pre-operative evaluation for low risk noncardiac surgery. 
11. Stress testing with or without imaging for pre-operative evaluation of asymptomatic patients 
undergoing intermediate or high risk noncardiac surgery would not be expected for patients 12 months 
following a normal stress echocardiography, SPECT MPI, PET MPI, CMR, coronary computed 
tomography angiography (CCTA), or cardiac catheterization. 
12. Utilization of SPECT MPI, PET MPI, stress echocardiography or CMR for the pre-operative evaluation 
of planned intermediate or high risk, noncardiac surgery, in the patient with normal or minor changes in 
resting ECG would not be expected for patients with no contraindications to exercise. 
13. Absolute contraindications to exercise stress testing
 
(not an all-inclusive list)
 
- Within 2 to 4 days of an acute myocardial infarction 
- High-risk unstable angina 
- Uncontrolled cardiac arrhythmias causing symptoms or hemodynamic compromise - Symptomatic severe aortic stenosis 
- Decompensated or uncontrolled congestive heart failure 
- Systolic blood pressure (BP) at rest >200 mmHG or diastolic BP at rest >110 mmHg 
- Acute pulmonary embolus or pulmonary infarction 
- Acute myocarditis or pericarditis 
- Acute aortic dissection 
- Severe pulmonary hypertension 
- Acute symptomatic medical illness 
14. Please refer to CMS IOM Publication 100-03, Medicare National Coverage Determinations (NCDs), 
Chapter 1, Part 4, Sections 220.6.8 FDG PET for Myocardial Viability and 220.6.1 PET for Perfusion 
of the Heart for additional limitations. 
 
You can find this information in the Local Coverage Determination (LCD) for 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.