Glucose monitoring – YourInsurance.info (2025)

Glucose monitoring is a medical process that measures blood sugar levels using devices like glucometers or continuous glucose monitors (CGMs). Health insurers, including Aetna and UnitedHealthcare, classify CGMs as durable medical equipment (DME) under plans for Type 1 diabetes.

Most Medicare Part B policies cover FDA-approved CGMs with documented diagnosis of diabetes, as confirmed in CMS guidelines since 2023. Out-of-pocket costs for glucose meters typically range from $10 to $75 per device, while monthly CGM sensor supplies can cost $35–$350 without insurance.

Many insurers require a prior authorization form and physician prescription before approving glucose monitoring supplies. Blue Cross Blue Shield policies frequently set quantity limits, such as one transmitter every three months and up to 100 test strips per month.

Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs) reimburse outlays for glucose monitors with IRS-qualifying documentation. Coverage exclusions may apply if the user has gestational diabetes only, based on policy language in Cigna and Humana contracts.

Private insurance plans usually pay more for real-time CGMs, including Dexcom G6 and Abbott FreeStyle Libre models, than for traditional fingerstick systems. Denials commonly result when patients fail to meet usage criteria, such as self-testing four times daily or insulin dependence, outlined by Medicaid state plans, Your Insurance Info reports.

Insurers periodically update clinical eligibility rules for glucose monitoring coverage based on ADA standards and FDA device approvals as reflected in annual formulary changes.

  • How much is the Dexcom G6 without insurance?

    The Dexcom G6 retail price without insurance is $329.99 USD. It also has a recurring cost of $36 for the sensors that need to be replaced every 10 days, as well as various other supplies such as receivers and transmitter batteries which are sold separately. On average, users can expect to spend around $600-$1,000 per…

  • How much does Freestyle Libre cost without insurance?

    The cost of a FreeStyle Libre glucose monitoring system without insurance is typically between $70 and $90 for a single device. This does not include the cost of any additional supplies or sensors that may be necessary for use with the device. The exact price will vary based on local retailers, as well as discounts…

  • How can I get continuous glucose monitoring (CGM) covered by my insurance?

    In order to determine if continuous glucose monitoring (CGM) is covered by your insurance, the first step is to contact your insurance provider and inquire about their coverage policies. It can also be helpful to speak with a representative who is knowledgeable about CGM coverage specifically. You may need to provide information such as a…

  • How much does the Libre 3 cost without insurance?

    The Libre 3 retail cost without insurance is typically $99. This cost may vary by location and retailer, however. There are also alternative ways to purchase the device, such as renting it or getting discounted prices through select retailers. Some health insurance plans may cover all or part of the cost of the Libre 3…

  • Does insurance cover glucose test strips?

    Yes, insurance typically covers glucose test strips for those with diabetes. Different plans may have different requirements and limitations when it comes to coverage, so it is important to check your specific plan to determine what type of coverage you have. Depending on the plan, glucose test strips may be covered at 100%, subject to…

Glucose monitoring – YourInsurance.info (2025)

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