Continuous Glucose Monitors Without Insurance

Continuous glucose monitors (CGMs) have revolutionized diabetes management, offering real-time glucose monitoring without the need for frequent finger pricks. However, for those without insurance coverage, obtaining a CGM can be a financial challenge.

Sydney Blunt

30 Sep 2025 • 3 min read

Photo by Sweet Life / Unsplash

Savings Programs and Discounts

For individuals without insurance coverage, several manufacturers offer savings programs to reduce the cost of CGMs. Dexcom, a leading provider of CGMs, has introduced a savings program that offers significant discounts. This program provides $210 off each 30-day supply of sensors and more than $200 off the Dexcom G7 receiver. These savings can make a substantial difference for those paying out of pocket.

Affordable Options from Abbott

Abbott's FreeStyle Libre systems are known for their affordability, even without insurance. The FreeStyle Libre sensors can cost as low as $80 per month when purchased out of pocket. This makes them a viable option for individuals seeking a cost-effective solution for continuous glucose monitoring.

Over-the-Counter CGMs: A New Era

The landscape of CGMs has evolved with the introduction of over-the-counter options. On March 5, 2024, the FDA approved the first over-the-counter CGM, designed for individuals with type 2 diabetes who do not take insulin, as well as for those without diabetes. This approval marks a significant step in making CGMs more accessible to a broader audience.

Dexcom Stelo

The Dexcom Stelo is an over-the-counter CGM that costs $99 for one month of sensors, which includes two 15-day sensors. This option provides a more affordable entry point for those without insurance, allowing them to benefit from continuous glucose monitoring without the need for a prescription.

Abbott Lingo

Abbott's Lingo is another over-the-counter CGM option, priced at $49 for a 14-day sensor. This makes it one of the most affordable CGMs available, further expanding access to continuous glucose monitoring for individuals managing their glucose levels.

Utilizing Health Savings Accounts

For those with access to Health Savings Accounts (HSAs) or Flexible Spending Accounts (FSAs), these accounts can be used to pay for CGMs. This option allows individuals to use pre-tax dollars to cover the cost of their glucose monitoring devices, potentially reducing the financial burden.

Variability in Costs

The cost of CGMs can vary significantly based on the brand and specific product chosen. While some options are more affordable, others may offer additional features that come at a higher price. It is important for consumers to evaluate their needs and budget when selecting a CGM.

Expanding Access Without Prescriptions

Both Dexcom and Abbott offer CGMs that do not require a prescription, which expands access for consumers. This development allows individuals to purchase these devices directly, without the need for a doctor's visit or prescription, simplifying the process for those managing their glucose levels independently.

Conclusion

For individuals without insurance, obtaining a continuous glucose monitor is still possible through various savings programs, affordable over-the-counter options, and the use of HSAs or FSAs. By exploring these avenues, individuals can find a CGM that fits their needs and budget, enabling them to effectively manage their glucose levels and improve their overall health.

FAQs

Can I purchase a CGM without a prescription?

Yes, both Dexcom and Abbott offer CGMs that do not require a prescription, allowing consumers to purchase these devices directly.

What are the costs of over-the-counter CGMs?

The Dexcom Stelo costs $99 for one month of sensors, while the Abbott Lingo costs $49 for a 14-day sensor, making them affordable options for those without insurance.

Are there savings programs available for CGMs?

Yes, Dexcom offers a savings program that provides discounts on sensors and receivers, making CGMs more accessible for individuals without insurance coverage.