Insulin and diabetes drugs can help you control your diabetes and prevent more severe health problems. If you understand how Medicare covers them, you will be more likely to use them when you need them and save money.
Medicare's prescription drug coverage, also known as Part D, covers most diabetes drugs and the supplies you need to take.
Learn more about Medicare’s Part D drug benefit.
Which diabetes drugs does Part D cover?
Some people with diabetes have to take insulin through shots or a pump. Other people with diabetes take pills or liquid drugs to control their blood sugar.
Medicare Part D covers:
- Insulin shots
- Diabetes drugs that adjust blood sugar
Medicare Part B covers other insulin supplies, such as blood sugar test strips.
Learn more about Medicare's coverage of diabetes supplies.
I take insulin through a pump rather than shots. Does my coverage differ?
Yes. Your coverage is different if you get your insulin through shots. Medicare Part B covers your insulin if you take it through a pump that is worn on the outside of your body. Medicare Part B covers insulin pumps and the insulin used in them. Your doctor must order insulin pumps for you.
What will my diabetes drugs cost?
If you join a Medicare prescription drug plan, you can expect to pay:
- A monthly premium
- An annual deductible, though some plans do not have one
- A copayment or coinsurance for each prescription
Learn more about Medicare Part D drug plan costs.
What if I cannot afford my drugs?
If you have limited income and resources, you may qualify for Medicare's Extra Help. If you qualify, you will pay low or no monthly premiums, annual deductible, and copayment or coinsurance.
What will my Part B drugs cost?
Costs can vary. Medicare will pay 80% of the amount approved. You will have to pay for 20%, along with your annual Medicare Part B deductible, if you still owe one.
What if I cannot afford Part B costs?
If you have limited income, you may be able to get help with your Medicare Part B costs. Medicare Savings Programs offer this help.
Learn more about the Medicare Savings Programs.