Best Glucose Monitors Covered by Insurance

Managing diabetes effectively requires regular monitoring of blood glucose levels. Continuous glucose monitors (CGMs) have revolutionized this process by providing real-time glucose readings, which can significantly enhance diabetes management.

Sydney Blunt

30 Sep 2025 • 3 min read

Photo by Sweet Life / Unsplash

FreeStyle Libre Systems: Affordable and Effective

The FreeStyle Libre systems are among the most popular CGMs due to their affordability and effectiveness. These systems include the FreeStyle Libre 2 and FreeStyle Libre 3, both of which offer continuous glucose monitoring. They are designed to provide users with real-time glucose readings, helping them manage their diabetes more efficiently. The affordability of FreeStyle Libre systems makes them a preferred choice for many individuals, especially when considering insurance coverage.

Insurance Coverage for CGMs

Insurance coverage for CGMs can vary significantly depending on the type of insurance. Private insurance plans, Medicare, and TRICARE all have different criteria and coverage options for glucose monitors. Understanding these options is crucial for individuals seeking to manage their diabetes effectively without incurring prohibitive costs.

Medicare Coverage for Glucose Monitors

Medicare provides coverage for certain glucose monitors and supplies under specific conditions. The Local Coverage Determination (LCD) L33822 outlines the criteria for coverage, ensuring that eligible beneficiaries can access the necessary tools for diabetes management. This coverage can be a significant relief for Medicare beneficiaries, providing them with access to advanced monitoring technology.

TRICARE and Diabetic Supplies

TRICARE, the health care program for uniformed service members, retirees, and their families, covers diabetic supplies and equipment, including glucose monitors. Eligible beneficiaries can benefit from this coverage, ensuring they have the necessary tools to monitor and manage their glucose levels effectively. This coverage is particularly beneficial for those who may not have access to other forms of insurance.

The First Over-the-Counter CGM

In a groundbreaking development, the FDA approved the first over-the-counter continuous glucose monitor on March 5, 2024. This device is intended for individuals with type 2 diabetes who do not take insulin, as well as for those without diabetes who wish to monitor their glucose levels. This approval marks a significant step forward in making glucose monitoring more accessible to a broader audience, potentially reducing the burden on insurance systems.

The Importance of Real-Time Glucose Monitoring

Continuous glucose monitors provide real-time glucose readings, which are invaluable for individuals managing diabetes. These devices allow users to track their glucose levels continuously, providing insights that can lead to better management of their condition. The availability of CGMs through insurance can be particularly beneficial for those who may not have access to traditional monitoring methods, offering a more comprehensive approach to diabetes care.

Conclusion

Access to continuous glucose monitors through insurance can significantly enhance diabetes management for many individuals. The FreeStyle Libre systems, with their affordability and effectiveness, are a popular choice among users. Understanding the coverage options available through Medicare, TRICARE, and private insurance is crucial for individuals seeking to manage their diabetes effectively. With the recent approval of the first over-the-counter CGM, the landscape of glucose monitoring is set to become even more accessible, offering new opportunities for individuals to take control of their health.

FAQs

What types of insurance cover continuous glucose monitors?

Continuous glucose monitors can be covered by private insurance, Medicare, and TRICARE, although coverage criteria and options may vary.

Are FreeStyle Libre systems covered by insurance?

Yes, FreeStyle Libre systems are often covered by insurance, including Medicare and TRICARE, making them an affordable option for many users.

Who can use the over-the-counter CGM approved by the FDA?

The over-the-counter CGM is intended for individuals with type 2 diabetes who do not take insulin and for those without diabetes who wish to monitor their glucose levels.