Blood Glucose Monitor / CGM Devices

Blood glucose monitors and continuous glucose monitoring (CGM) devices are tools used to measure and track blood sugar levels for individuals with diabetes. A standard blood glucose monitor requires a small finger-prick blood sample to provide a reading, while a CGM system uses a small sensor worn on the body to record glucose levels continuously throughout the day and night.

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Most health insurance plans classify these devices as eligible medical equipment or diabetic supplies. Coverage usually includes reimbursement for the purchase or replacement of monitors and sensors, as well as necessary accessories such as test strips, lancets, and transmitters. The benefit may be capped by an annual dollar limit, a reasonable and customary price limit, or a replacement frequency (for example, one monitor every five years).

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Access to accurate monitoring equipment helps individuals manage their diabetes effectively and avoid complications associated with unstable glucose levels.

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Example:

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If your plan covers 80 percent of eligible expenses up to $500 every five years and you purchase a CGM system costing $600, your insurer pays $480 and you pay $120.

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What to Watch For:

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Confirm whether your plan classifies CGM systems under diabetic supplies or durable medical equipment, as this can affect limits and replacement frequency. Some insurers require a physician’s prescription or pre-authorization before reimbursement. Always check whether replacement sensors and transmitters fall under the same limit or have their own sub-maximums.