COBRA Coverage for CGM: Retiring with Diabetes

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This article provides general information about COBRA coverage and CGM devices for retirement planning. Always consult with your healthcare provider and insurance representative for personalized advice.

Transitioning to retirement with diabetes brings up important questions about maintaining your continuous glucose monitoring (CGM) coverage. Understanding how COBRA coverage for CGM works during retirement can help ensure you don’t experience gaps in your essential diabetes care.

Understanding COBRA Coverage for CGM in Retirement

COBRA (Consolidated Omnibus Budget Reconciliation Act) allows you to keep your employer’s health insurance for up to 18 months after retirement. This includes coverage for your CGM system if it was covered under your original plan.

Key Benefits of COBRA for CGM Coverage:

  • Maintains your existing CGM coverage without interruption
  • Gives you time to plan your transition to Medicare
  • Keeps your current healthcare providers and supplies

How COBRA and Medicare Work Together for CGM Coverage

If you’re retiring at 65 or older, you’ll need to coordinate COBRA and Medicare coverage carefully. Medicare becomes your primary insurance when you turn 65, even if you have COBRA.

Medicare Part B covers CGM systems for beneficiaries who meet specific criteria. In 2025, coverage requirements include having diabetes and either using insulin or having documented problematic hypoglycemia.

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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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