Your cardio means INR. Healthcare providers sometimes use the term "protime" or "PT" when discussing my INR with me even though we are both clearly talking about INR. PT and INR are used interchangeably. PT is the number of seconds to clot and is used to calculate INR. The INR includes calculations to account for variations in devices and test strips such as the type of reagent used or variations in the particular lot that might affect clotting.
In theory two devices that use different reagents should result in the same INR even though they may measure different protimes. Here is a real example showing identical protime and different INRs from my log.
6/28/2010
Device: Hemosense INRatio
Protime 30.7
INR 3.1
5/26/2019
Device: Coaguchek XS PT
Protime 30.7
INR 2.6
This is not correct. Medicare has covered home INR testing for many years, starting in 2002 for mechanical valves and later expanded to other conditions. See this
CMS web page.
Medicare will cover 80% of the cost. If you have a supplemental plan or Medicare Advantage plan, the plan may cover most of the remaining cost. In the US, you would obtain the device and supplies via an INR service that bundles everything into one charge. In other words, you don't pay any upfront cost for the device.
I am not yet on Medicare, but I have seen posts on this forum from members who are on Medicare and paying less than $15/month for weekly testing.
There may be good reasons you don't want to do home testing, but lack of Medicare coverage is not one of them. Someday if you are interested in home testing, I encourage you to look into it. You may have a cost savings as well as more convenience and flexibility.