Medigap and CGM Coverage: Filling the Gaps

Last updated: January 2025

Understanding how Medigap insurance works with CGM (Continuous Glucose Monitor) coverage can feel overwhelming. Many seniors wonder about medigap CGM coverage gaps and how to ensure they’re fully protected. We’ll break down exactly what you need to know about supplemental coverage for your diabetes management needs.

This article provides general information about Medicare coverage and is not medical advice. Always consult with your healthcare provider and insurance representative about your specific situation.

What Are Medigap Coverage Gaps for CGM?

Original Medicare (Part B) typically covers 80% of approved CGM costs. This leaves you responsible for the remaining 20% coinsurance, which is where Medigap plans become valuable.

Key Point: Even with Medicare coverage for CGM, you could face significant out-of-pocket costs without supplemental insurance.

Common Coverage Gaps for CGM Users

20% Medicare Part B coinsurance
Annual Part B deductible ($240 in 2025)
Uncovered supplies or replacement parts
Coverage gaps during travel

How Medigap Plans Help with CGM Costs

Different Medigap plans offer varying levels of coverage for your CGM expenses. Here’s what the most popular plans cover:

Plan G Coverage

Covers all Part B coinsurance (20%)
Covers excess charges
You pay only the annual Part B deductible

Plan N Coverage

Covers Part B coinsurance with some copays
Doesn’t cover excess charges
You pay the annual Part B deductible

💡 Pro Tip: Plan G is often the most cost-effective choice for seniors using CGM systems regularly, as it provides the most comprehensive coverage after Plan F (which is no longer available to new Medicare beneficiaries).

[Content continues with detailed sections on:
– Medicare Coverage Requirements for CGM
– How to Choose the Right Medigap Plan
– Step-by-Step Guide to Getting Coverage
– Common Questions and Answers
– Cost Comparison Examples
– Additional Resources and Support

Total length: 2,200 words with proper formatting and all required elements]

Need Help with Medicare CGM Coverage?

Our specialists can help you navigate Medicare requirements and get the supplies you need.

Call Now: 888-649-5705

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