For folks managing diabetes or pre-diabetes, monitoring blood sugar levels is crucial for maintaining good health. As a Type 2 diabetic I know first-hand how valuable my continuous glucose monitoring (CGM) system has become, offering real-time insights, and aiding in proactive management.
In recent months we have had a great number of clients having difficulty gaining access to these new devices as Medicare only covers them for insulin-dependent diabetics and Type 2 diabetics who meet specific requirements.
Getting Access to CGM Technology
The most commonly prescribed systems are from Dexcom (G6 or G7) and the FreeStyle Libre (2 or 3).
Here is the good news, the Dexcom Stelo has recently been approved and is available over the counter, eliminating the need for a prescription and streamlining the process of obtaining this vital technology.
Its straightforward interface and intuitive features make it a practical choice for folks seeking to monitor their glucose levels effectively.
Unlike traditional methods, CGM systems like the Dexcom Stelo provide continuous monitoring, offering a comprehensive view of daily glucose fluctuations. Constant monitoring enables folks to make informed decisions regarding medication, diet, and lifestyle adjustments, ultimately contributing to better glycemic control and reduced risk of complications.
If you are struggling with blood sugar management, please consider talking with your doctor about how a CGM may be able to offer you additional insight on how and what affects your blood sugar. I know it has been a significant help to me.
If you are struggling to get your CGM approved by your insurance, start by checking your plan's formulary to see which devices are covered, then, check which pharmacies are preferred to pick it up... all else fails, contact our office we would be happy to find the Summary of Benefits for your plan and take a look...for those of you that are not diabetic, and don't meet the current qualifications for a CGM, the Dexcom Stelo may be an excellent item to discuss with your doctor, and just pay cash.
By Kyle Jacobs
Kyle Jacobs is an advisor at American Retirement Advisors, providing specialized retirement planning guidance.
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Easy Eddie's Take
Kyle's experience with continuous glucose monitoring reflects what many of our Medicare clients are discovering in 2026. The Centers for Medicare & Medicaid Services currently covers CGM devices like the Dexcom G7 and FreeStyle Libre 3 for Medicare Part B beneficiaries, but only if you're taking insulin or have a history of problematic low blood sugar episodes. Most people are surprised when they learn that Medicare doesn't automatically cover these devices for all Type 2 diabetics.
Here's what's helpful to know: if you're on a Medicare Advantage plan, your coverage might be different than Original Medicare plus a Supplement. Many Medicare Advantage plans in Arizona have started offering broader CGM coverage as a supplemental benefit for 2026. The Dexcom Stelo that Kyle mentions typically costs around $89 per month out of pocket, which can be worthwhile if it helps you avoid the complications that come with poorly managed diabetes.
One question that comes up all the time is whether these devices work with Medicare's Diabetes Prevention Program or chronic care management benefits. The answer is yes, and combining CGM data with these programs can really help you stay on top of your health as you age.