Certain Medicare Part D prescription drug plans and Medicare Advantage plans (Part C) that include Medicare covers many diabetes treatments, but coverage for insulin pens and supplies can vary depending on the type of plan you choose. Here’s how it works in 2025.
Medicare Part B Coverage
Part B generally does not cover insulin pens, but it does cover certain diabetes supplies and services, including:
- Blood sugar test strips and monitors
- Lancets and lancet devices
- Glucose control solutions
- Diabetes self-management training
- Annual eye and foot exams
- Medical nutrition therapy
If an insulin pump is deemed medically necessary, Part B may cover both the pump and the insulin used with it. After meeting your $257 Part B deductible (2025), you typically pay 20% coinsurance. Medigap plans can help cover these out-of-pocket costs.
Medicare Part D & Medicare Advantage Coverage
Part D drug plans and Medicare Advantage plans usually provide coverage for:
- Injectable and inhaled insulin (not used with a pump)
- Insulin pens
- Supplies like needles, syringes, and alcohol swabs
- Other anti-diabetic medications
Each plan has its own formulary (list of covered drugs). Your costs depend on:
- The specific medication prescribed
- Your plan’s formulary and rules
- Whether you use in-network pharmacies
- If you qualify for Extra Help with Part D costs
What Medigap Covers
Medigap plans do not pay for insulin or supplies directly, but they help with Medicare’s deductibles, coinsurance, and copayments. This makes your costs for diabetes care more predictable.
Bottom Line
Original Medicare alone does not cover insulin pens. To get coverage, you’ll need a Part D prescription drug plan or a Medicare Advantage plan that includes drug benefits. Medigap can help reduce your out-of-pocket costs for the Part B services you rely on for diabetes management.
Compare Medicare drug and supplement plans to find the right coverage for your insulin and supplies.