Medicare and CGMS Coverage

Dexcom Double Down Arrow LowSomeone recently landed on my blog using the search term “how to get a Dexcom approved by Medicare.” If you want to believe the standard line that Medicare doesn’t cover a CGMS, then I suggest you not waste your time reading this article. If you aren’t willing to accept the standard answer, then keep reading. I am on Medicare and have a Medicare Advantage Plan. Guess what, they paid for both a Freestyle Navigator and a Dexcom.

If you try to get a CGMS with Medicare, you are going to be told that it isn’t covered. And yes, I heard the “your insurance doesn’t cover that” plenty of times. Abbott told me that when I tried to get the Navigator and Dexcom told me that when I tried to get the Dexcom. Dexcom also told me that even after I had been using the Dexcom for a year and my insurance had been paying for it. I also heard it from supply companies. I have seen that statement made repeatedly on diabetes message boards but if I ask if they tried to file an appeal with their insurance company, they just repeat again that it isn’t covered. Sometimes even with traditional insurance, you have to fight for what you need. Medicare is no different.

When I first tried to get the Navigator, I was told that it wasn’t covered. I knew that before you can file an appeal with your insurance company, something has to be rejected before you can appeal it. The supply company refused to even try to get an authorization from my insurance. Needless to say, I will never use that supply company! I was expecting to have to fight with my insurance company. I was not expecting to get stopped out of the gate by Abbott and the supply company.

I called my insurance company and explained the situation to a customer service rep. I told her that I realized it was not a covered item but they obviously had to reject it before I could file for an appeal. The customer service person at my insurance company told me to have my doctor’s office do the authorization. It would get rejected and I would get my appeal.

Crazy NurseThe next problem I wasn’t expecting either. I had talked to my doctor about getting the Navigator. She agreed it was something I should have because I was passing out from low blood sugar. I gave her the paperwork and she signed it and her office faxed it to Abbott. My doctor’s office shouldn’t have been a problem, but I wasn’t expecting to have to deal with the evil Nurse Ratchet there.

The doctor’s office was supposed to put the authorization thru and Nurse Ratchet lied and told me it was rejected. I guess she didn’t think that I would call my insurance company to find out what was going on, especially when no one got a letter saying it was rejected. Even then, she continued to sit on her lazy butt and ignored my weekly phone calls to both my insurance and the doctor’s office. Unfortunately in my case, it took getting a black eye after I passed out one day to get Nurse Ratchet to finally do her job. I guess she finally realized she needed to do something when I called to make an appointment for the doctor to look at my black eye and welt on my head.

The doctor’s office finally submitted the authorization for the CGMS. And yes, I did change doctors as soon as I got my CGMS!  I hate being lied to.  Of course, the CGMS was denied by the insurance, which is what I expected to happen. Once I had the denial, I filed the appeal letter myself. I had everything ready to go other than the blood sugar logs and reference to average blood sugar and standard deviation in my letter. I knew that I could do a better job because I was the one that needed it.

You need to do some leg work yourself. The first thing you need to do is find out what supply company that accepts your insurance also carries the CGMS that you want. When your doctor’s office tries to get the authorization, they usually have to say which supplier you will use. I would first call the companies that you use to get test strips or pump supplies. Once you find a supplier that you can use, then have your doctor’s office put the authorization thru. Once your insurance rejects it, then you can file an appeal. Don’t count on your doctor to do that for you. You are the one that needs it so you can do a better job.

Because a CGMS is not typically covered by Medicare, you need to show why you need it – I say typically because it is not on their list of covered items, but I am not the only person that has gotten one thru Medicare. Look at the forms on the CGMS websites and see what things they have listed as qualifiers for a CGMS and pick the ones that apply to you.

If you have gastroparesis, get a copy of the test results that show you actually have gastroparesis. Gastroparesis can make it fun to control blood sugar, so if you have gastroparesis, that would help qualify you. Having your doctor say you have it without having the testing done will not help you. Studies now say that people who they thought had gastroparesis probably don’t have it. You can read the article that I wrote about that here. Insurance companies read the same studies that we do. The best proof to show that you actually have gastroparesis is providing test results that confirm you have it.

If you have a history of passing out because you are hypo-unaware and don’t feel your lows, get ER records and EMT records to show the trips you have made to the ER because of passing out.

Gastroparesis and passing out because of lows were the two qualifiers for me. Your situation is different than mine. Get medical records to submit to your insurance as proof of your reasons. Provide copies of your blood sugar logs. I have heard some people say to keep the appeal short. I don’t believe that. I believe the more proof you can provide, the better the chance that you will win the appeal. I wrote a very long appeal letter to my insurance company stating all the facts of why I needed a CGMS. In addition to that long letter, I also provided copies of medical records as proof. Someone from my insurance called me when they decided to approve it. They also sent me a letter stating that. During our conversation, she told me that I had a lot of useful information in my letter. Those details do make a big difference.

You don’t have to take no for an answer. Yes you can get a CGMS thru Medicare.


  1. Well, I’m grateful that I DON’T have gastroparesis, nor have I ever passed out from a hypo — I usually feel them in the low to mid 50’s. My only excuse is that I’m crazy! What the CGM does for me is alert me to HIGHS, because I don’t feel those, and keeps me on track because I can check easily, and seeing a high makes me feel guilty enough to take my insulin when I’m depressed. So that I don’t land myself in the hospital, nearly dead, like I did in 2010. I don’t know if that would fly with Medicare, but it DID convince my ins. co. to cover it! 🙂

    • Crazy can get you out of murder but I think Medicare is tougher than a jury! Since you did land in the hospital almost dead, you can probably use that and show how far you have come using the CGMS. So yes, I would use that as a reason. Plus, you don’t know until you try. If you don’t try, you won’t have it unless you can afford to pay for it on your own. The worst they can say is no. You won’t be any worse off than if you didn’t try, but if they say yes, then you get to keep your CGMS. You already had one yes with that reasoning, so there is no reason to think it won’t work again!

  2. Jerry P. Moore says:

    My pump, cgm, and supplies for both are currently covered by the insurance policy I am covered under by my employer. But I am planning on retiring in a few month and will be under COBRA for the next 14 month. So far so good, I will still have all my diabetic supplies covered. However when I turn 65 (July 2013) and go under Medicare it seems I will no longer be covered. Based on your post it seems an appeal letter would be my next step. The problem I have is that I have been fanatical about controlling my blood glucose for twenty plus years and have never had an A1C over 6.2.
    I exercise several hours every day (100 plus miles a week on my bike, tennis five days a week, one hour plus walking my dogs every day). I have always tested my BG ten times a day and now with pump and cgm I am down to about seven samples a day. Blood work, eye exams, physicals will all show I am basically not diabetic. But because of this effort to maintain such tight control of my BG I am now asymptomatic for hypoglycemia.
    My endocrinologist is very cooperative but I do not see how I could make a case of medical necessity, even though it is because of all the technology that I am able to maintain my BG control.

    Any ideas?
    Thanks Jerry

    • Jerry, I hope that you don’t get penalized for having good control and avoiding complications. The only thing that I can think of is in your appeal, stress how much having the CGMS has helped you be able to maintain the good control. It helps you to be able to exercise as much as you do. That exercise helps to keep you in good shape and prevent problems. Do you have a lot lows without using the CGMS? My A1c was actually 5.3 when I wrote my appeal letter but I was also having a lot of lows so I pointed that out to them.

      There is a guy in the Dexcom group on TuDiabetes (his name is Rick) that has helped some people write appeal letters. You might try looking and see if you can get some ideas from him.

  3. Kelly, thank you so much for this information. My husband has a Dexcom Seven Plus and it has been a God send for us. He has ended up in the hospital with a blood sugar reading of 7! and twice he has ended up in the ER with Blood Sugar over 900!! He does not feel his sugar getting low anymore. The Dexcom is a wonderful asset to help a diabetic keep better control. . . He has not had any problems with the highs and lows since he’s been using the Dexcom. .

    Fortunately, his employer group plan covered the unit plus the monthly sensors, but now that he is on long term disability and they have dropped his medical insurance, I am being told by Medicare, and his Medicare supplement company that it will no longer be covered – and the supply company has told me we will have to pay $350 a month for the sensors.

    The doctor’s office just told me today that they’ve tried to get Medicare to cover these but have had no luck at all SO I am encouraged now by reading your post. . . . .

    • I hope that you are able to keep the Dexcom for your husband. I agree that it is a God send! Although you need your doctor to start the process, I believe that you can do a better job yourself with the actual appeal. Doctors tend to keep it short and simple. It isn’t enough to say the person has a problem with lows. State how many lows and details pertaining to it. State every time you have had to take him to the ER. Get copies of the medical records with that BS of 7 in. Also get copies of the 900. Include the logs that show the swings in BS.

      They tell you it isn’t covered, however, you have a right to appeal everything that isn’t covered. That is what I did and I won my appeal. Good luck!

  4. Alice Gossett says:

    Hi Kelly,

    I’ve recently gone on Medicare and use the Medtronic new 530G and enlite sensor. Medicare pays for supplies for infusion sets but I’m told not the CGMS. I see that your article on CGMS was written in 2012 and wonder if what is stated still applies as I also have gastro paresis and have been diabetic for 58 yrs so don’t feel highs and lows until they are critical.

    I found through exhausting research and perseverance that Part B will cover insulin if infused and test strips. Walgreens was great helping me get this done. I love my doctor but he says that with all the Medicare changes it’s so hard to know what is covered and how to fight. So I’m not opposed to the appeal process on my own but wonder with the new changes in Medicare coverage if CGMS’s are still being approved after appealing. Any recent feed back?Please advise as Medtronic is giving me a 45% discount if I pay cash but I have them bill Medicare first and it’s denied I have to pay the full amount.
    Thanks, Alice

  5. Chris Sturges says:

    You have given me hope! Fighting for a CGMS has been a perpetual headache and stress for me for at least 20 years. Shortly after Medtronic introduced theirs, I was put on Medicare. : (

    I thank you for the website!

  6. Kathy belisario says:

    I have had diabetes for 51 years and have used the Dexcom for about the last seven years. Even after I went on Medicare it was covered. Then, in January 2014 I was told through my supplier that my insurance no longer covered it. I went through two appeals and the Medicare judge. All denied me coverage. I am planning my next step but I am pretty discouraged. I know many people on Medicare are covered but it is a very twisted road to get coverage. Any ideas?

  7. I have hypo unawareness. I don’t feel a low until I’m in the low 40s and by then, I’m too muddled to think straight. Already past the point of no return. I’m 63, will go on Medicare in the fall of 2016. I’m hoping something will change, but I currently wear a Dexcom G4 which alarms me when I get to 70 and can take action. Especially during the night. I’ve been Type 1 since 1963 and can tell you low stories of violently falling out of bed ending up with rug burns on my face. If I had known I was going to have to fight Medicare back then, I would have taken photos. However, I’ve never had EMT called or went to ER because my husband and daughter have always been able to help me. Only once, did my husband move towards getting the phone on a camping trip and I suddenly woke up. That was an interesting experience, I won’t get into details, but I think I nearly died that night. I needed a shower (and not just because of sweating) and all the sheets needed to be taken to the laundromat the next day and washed with bleach (if you get my drift). Yes, for some reason, be it fate or the Gods, I am still here. I sincerely believe I should have died. I have a friend who died that way many years later. I need a cgms. After 52+ years on insulin, I do not feel lows. I’ve always been more susceptible to lows than highs. We shouldn’t have to fight for something so medically necessary. It could mean my life one day (and yours too if I’m driving the car next to you.)

  8. I am on AARP Medicare Complete. They say as of 1-1-2016 they would no loner cover dexcom sensors. But I have been fighting all of 2015 to get them. I don’t understand why they sent the letter to begin with since they have denied sending them since early 2015′
    Why stop something you’re not covering in the first place
    My a1c was at 14. When I started the dexcom 4 within 2 months my a1c dropped to 7. Now that I have no sensors (since May 2015) my a1c is going high like before. My sugars are over 500 all the time. All this stress isn’t helping. I stay on the phone with AARP United health everyday but getting nowhere. They have messed up on my insulin too. My next step is my husband making my funeral arrangement s.
    Can anyone help?

    • I am not really familiar with the AARP plan so can’t really speculate why they would send the letter now.

      What I can tell you is forget the phone calls. You need to put everything in writing and send the letters with some of form of tracking. Phone calls are nothing more than a he said / she said argument. They might work for correcting simple things, but when you are fighting for this kind of stuff, everything needs to be in writing. Some people have been able to enlist the help of their congressional members but you still need to be able to provide information to them and do some of the necessary leg work.

      One of the reasons my plan originally denied coverage to me was that they do not pay for items that are a matter of convenience. You need to show that you are diligently working to manage your blood sugar but are having problems doing that without the aid of a CGMS. Most meters have software that you can download your readings and get some nice reports and graphs to show what is happening.

      As you know, fighting for this stuff can take time. In the meantime, you need to make some changes to what you are doing. I am going to be blunt here – even without a CGMS, there is no reason for your blood sugar to be over 500 all the time. That is very dangerous. I am not sure what the insulin issue with AARP was, but you need to make some changes to your diet and insulin regiment – either one or both.

      If your doctor is not able to help you, find a new doctor. You need some one-on-one time with a good CDE. If you are seeing a primary care doctor, consider seeing an endo. I have to wonder if you are on the mixed insulin and not able to make corrections.

      You need to test a lot to try and figure out what is going on. I test hourly so that I can keep a tight eye on my blood sugar. You can fight your insurance to get more strips. People say the ReliOn strips for $10 a box of 50 are good. Go to WalMat and get some and start testing. I set a timer and alarm clocks to go off and remind me to test.

      Some good books to help are:

      Dr. Richard Bernstein – Diabetes Solution. Dr. Bernstein is a Type 1 diabetic for over 60 years. He is a big low carb advocate and actually became a doctor to get his papers published. He had complications from diabetes and was able to turn those around after being one of the first people to ever use a meter and seeing what food did his to body. He has also has videos on YouTube – Diabetes University. I consider him one of the most knowledgeable people with diabetes today.

      John Walsh – Using Insulin. John is also a Type 1 diabetic. Although not as “tight control” minded as Dr. Bernstein, his book is a very mathematical approach to learning how to properly adjust your insulin.

      Gary Scheiner – Think Like a Pancreas. Gary is also a Type 1 diabetic. He has a practice in Philadelphia, PA and they do consulting via web. I don’t know the cost but if you can, he would certainly be able to direct you. He has some classes called Type 1 University. I took a few when they had some free ones and they were very good.

      I know changing what you are doing is hard – I was about 23 years into it when I tossed out everything I thought I knew and started over. Unless you really do want to have your husband start making funeral arrangements, you really need to forget everything you think you know or have been told about diabetes and start over.

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