Nearly $300 billion is spent every year on medical costs associated with diabetes. And if you're living with the condition, you already know that those costs extend beyond what you spend on insulin every month.

If you have diabetes or are pre-diabetic, it’s important to understand Medicare coverage for diabetic supplies, especially what is and isn’t covered and at what cost, to help ensure you get what you need to stay healthy.

How much do testing supplies cost?

If you’ve met your Part B deductible (which is $240 in 2024), you will pay 20% of the Medicare-approved amount for diabetic testing supplies. Medicare pays the other 80%.

Depending on the type of equipment or supplies you need, you may need to:

• Rent the equipment
• Buy the equipment
• Choose whether to rent or buy the equipment

Additionally, your durable medical equipment will only be covered if your doctors and DME suppliers are enrolled in Medicare. You must also purchase your testing supplies from a supplier who accepts assignment. In this case, they can only charge you the coinsurance and Part B deductible.

Accepting assignment means the supplier agrees to be paid directly by Medicare and accepts the payment amount Medicare approves for the service. The Medicare-approved amount is the amount a supplier can be paid by Medicare, and you pay the rest.

To ensure your supplier is enrolled in Medicare, ask if they participate in Medicare before you order the supplies.

How much you will specifically pay for supplies depends on a variety of factors such as:

• Other insurance you may have
• How much your doctor charges
• Where you get your supplies
• Whether your doctor and supplier accept assignment

Medicare Part B-covered diabetes testing supplies

Part B covers a number of blood sugar (or blood glucose) self-testing supplies and equipment, even if you don’t use insulin. These include:

• Blood sugar monitors
• Blood sugar test strips
• Lancet devices and lancets
• Glucose control solutions

These supplies are considered durable medical equipment, and the actual amount of supplies that are covered varies depending on whether or not you use insulin. For example, if you use insulin, you may be able to get up to 300 test strips and 300 lancets every three months, but if you don’t use insulin you may only be able to get up to 100.

If your doctor says it’s medically necessary, Medicare will cover additional test strips and lancets.

Test strips can be used to help monitor certain substances in the blood. They are small, single-use pieces of paper-like substance that you place one or two drops of blood on, and insert into a testing device. These devices provide results within seconds, and you can address any concerns regarding blood glucose levels.

What brand of diabetes supplies is covered by Medicare?

There are a number of brands of diabetes supplies that are covered by Medicare, specifically:

• OneTouch
• Accu-Chek
• Abbott’s (Freestyle)
• Bayer (Contour)

However, not all brands are covered by Medicare, so check your coverage before purchasing any supplies. You can ask your doctor, pharmacist or supplier to check for you, or contact Medicare directly.

How do I make sure these supplies are covered?

The good news is that, if you have Original Medicare, some diabetic supplies are covered by Medicare Part B (medical insurance), including blood sugar testing strips, blood sugar monitors, lancet devices and lancets, and other durable medical equipment (DME).

In order for your blood sugar testing strips for diabetes, equipment, and other supplies to be covered by Medicare, you must have a prescription from your doctor that outlines:

• Your diabetes diagnosis
• What kind of blood sugar monitor you need and why
• Whether you use insulin or not
• How often you should test your blood sugar
• How many test strips and lancets you need for one month

In addition, it’s important to not accept any supplies you did not order because Medicare will not pay for or reimburse you. For example, if a supplier automatically sends you items, you cannot get reimbursed by Medicare.

How do I get my Medicare diabetes supplies?

You can order and pick up supplies from your pharmacy, or you can order them from a DME supplier.

If you order from a supplier, you must place the order yourself, meaning a doctor cannot call it in for you. However, you will still need a prescription from your doctor to place the order.

When you go to the pharmacy or supplier, show your red, white and blue Medicare card and your prescription.

Find a Medicare plan that covers diabetic testing strips

You can also order supplies through the Medicare National Mail-Order Program, including test strips, lancets and lancet devices. If you want your supplies mailed to your home, you must use a Medicare national mail-order contract supplier. You can visit www.Medicare.gov or call Medicare for a list of contracted suppliers.

You need a new prescription from your doctor for lancets and test strips every 12 months, so don’t forget to ask for refills for your supplies every year.

Does Medicare cover diabetes?

In addition to the diabetes services and supplies covered by Medicare Part B (medical insurance), others are covered by Part D (prescription drug coverage).

Typically, Medicare Part B covers the services that may be needed by people who have diabetes, as well as preventive services for people who may be at risk or are pre-diabetic, including:

• Diabetes screenings
• Medicare Diabetes Prevention Program
• Diabetes self-management training
• Medical Nutrition Therapy (MNT) services
• Foot exams and treatment
• Hemoglobin A1c tests
• Glaucoma tests
• “Welcome to Medicare” preventive visit
• Annual wellness visit
• Insulin pumps
• Therapeutic shoes or inserts

Medicare Part D (prescription drug coverage) covers a number of medical supplies you may need to help treat or control your diabetes. Coinsurance or copayments may apply to these supplies, as well as a Part D deductible. Covered supplies may include:

• Insulin
• Anti-diabetic drugs
• Diabetes supplies such as syringes, needles, alcohol swabs, gauze, and inhaled insulin devices

Additional resources

• ClearMatch Medicare: Find a Medicare Plan
• Medicare.gov: Costs