Frequently Asked Questions
Does Medicare cover CGM?
Yes — Medicare Part B covers CGMs including Dexcom G7 and FreeStyle Libre 3 for insulin-using beneficiaries as durable medical equipment. You pay 20% coinsurance after the Part B deductible.
Who qualifies for Medicare CGM coverage?
You must have diabetes, use insulin (injections or pump), and have your doctor write a prescription documenting medical necessity. Both Type 1 and Type 2 diabetics on insulin qualify.
Does Medicare cover FreeStyle Libre?
Yes — Medicare covers FreeStyle Libre 3 for insulin-using beneficiaries under Part B as durable medical equipment.
What is the insulin cost cap under Medicare?
Under Medicare Part D in 2026, insulin is capped at $35/month per covered insulin product regardless of tier.
Medicare Part B now covers continuous glucose monitors — including the Dexcom G7 and FreeStyle Libre 3 — as durable medical equipment for insulin users. Here is exactly how to access this benefit.
Who Qualifies
To qualify: you have diabetes, you use insulin (injections or pump), and your doctor writes a prescription documenting medical necessity. Type 1 and Type 2 diabetics on insulin both qualify. Type 2 diabetics managed without insulin do not currently qualify for CGM coverage.
All Covered Diabetes Supplies
- CGM devices and sensors — insulin users
- Blood glucose monitors — all diabetics
- Test strips — 100/month non-insulin, 300/month insulin users
- Lancets and lancet devices
- Insulin pumps and pump insulin (Part B)
- Therapeutic shoes — 1 pair/year with peripheral neuropathy
$35 Insulin Cap Under Part D
Starting in 2023 and continuing in 2026, insulin is capped at $35/month per product under Medicare Part D — regardless of which tier it's on. This has dramatically reduced insulin costs for seniors with diabetes.
How to Get Your CGM
- Ask your doctor: "Am I eligible for a CGM through Medicare?"
- Your doctor writes a prescription with medical necessity documentation
- Contact a Medicare-enrolled DME supplier
- Pay 20% coinsurance after Part B deductible ($0 with Medigap Plan G)
- Ask your doctor about CGM eligibility at your next visit
- Verify your insulin is on your Part D formulary — cap applies to covered insulins
- Schedule annual diabetic retinopathy screening — free under Medicare