Insulin pens are covered by some Medicare Part D prescription drug plans and Medicare Advantage plans (Part C) that offer prescription drug coverage.
If you’re eligible for Medicare and require the use of insulin to manage chronic diabetes, you may qualify for a Medicare Special Needs Plan (SNP).
There are several types of Medicare plans that may cover insulin and insulin injection devices such as insulin pens:
Medicare Part B will only cover insulin when the use of an insulin pump is deemed medically necessary. Medicare Part A doesn’t cover insulin or insulin injection devices.
Medicare Part B covers several different diabetes supplies and services.
Because Medicare Advantage plans are required to cover the same benefits as Medicare Part A and Part B, the following benefits are also available with a Medicare Advantage plan or a Medicare SNP (Medicare Advantage and Medicare SNPs may offer even more benefits than what are listed below):
For insulin supplies and services covered by Medicare Part B, you typically pay a Part B copayment (20 percent of the Medicare-approved amount) after you meet your Part B deductible ($185 per year in 2019).
Medicare Special Needs plans and Medicare Advantage Prescription Drug plans have some out-of-pocket costs, such as deductibles, copayments and coinsurance. The specific out-of-pocket amounts can vary from plan to plan, sp be sure to compare plans in your area and ask about these costs.
A licensed insurance agent can help you find and compare Medicare Advantage plans in your area that may include coverage for insulin pens and other diabetes supplies.
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