Yes, Humana covers diabetic supplies across its Medicare Advantage, standalone Part D, and Medicaid plans. The list includes blood glucose meters, test strips, lancets, continuous glucose monitors, insulin pumps, insulin, syringes, pen needles, and therapeutic shoes, along with diabetes education and nutrition counseling. What you pay depends on your plan, whether the supply falls under the medical benefit (Part B) or the drug benefit (Part D), and where you fill the order. Many items run $0 at a preferred supplier; others carry 20% coinsurance after the Part B deductible.
Meters, Test Strips, and Lancets
Blood glucose monitors and their supplies are covered under Medicare Part B as durable medical equipment, and Humana Medicare Advantage plans must match or exceed that coverage. Anyone with a diabetes diagnosis qualifies, whether or not they use insulin. You need a prescription that spells out the diagnosis, the type of monitor, whether you use insulin, and how often you should test.1CMS.gov. Medicare Coverage of Diabetes Supplies
Quantity limits apply. If you use insulin, you can get up to 300 test strips and 300 lancets every three months. If you don’t, the limit is 100 of each. One lancet device is covered every six months. Your doctor can document medical necessity to go above these limits.2Medicare.gov. Medicare Coverage of Diabetes Supplies, Services, and Prevention Programs
Cost depends on where you buy. On the Humana Gold Plus Diabetes and Heart C-SNP, diabetic monitoring supplies are $0 at a preferred diabetic supplier or network retail pharmacy and 20% at a non-preferred supplier.3NCDOI.com. Humana Gold Plus Diabetes and Heart Summary of Benefits On other Humana Medicare Advantage plans, cost-sharing runs 10% to 20% depending on provider type, with $0 copays at preferred diabetic suppliers.4MedicareAdvantage.com. Humana Full Access H5216-287 Summary of Benefits
CenterWell Pharmacy, Humana’s affiliated mail-order pharmacy, ships testing supplies free and carries preferred brands including Roche Accu-Chek and HP True Metrix AIR by Trividia.5CenterWell Pharmacy. Diabetes Supplies Some plans include free lancets, meters, and test strips when ordered through CenterWell.6CenterWell Pharmacy. Insulin Savings Program
Continuous Glucose Monitors
Humana Medicare Advantage plans cover continuous glucose monitors as a Part B medical benefit. Dexcom and FreeStyle Libre are named as covered therapeutic CGM brands.7Humana. Humana Group Medicare Advantage CGM Coverage Some Humana Group Medicare Advantage plans cover the device and supplies at $0.8Humana. Humana Group Medicare Advantage CGM Coverage – TRSKY Others charge 20% through a DME provider.3NCDOI.com. Humana Gold Plus Diabetes and Heart Summary of Benefits
To qualify under Medicare rules, you must either use insulin (at least three injections daily or an insulin pump) or have a history of problematic low blood sugar. Your provider has to evaluate your diabetes control in person or by telehealth within six months of ordering the device, and you or a caregiver must be trained on it.2Medicare.gov. Medicare Coverage of Diabetes Supplies, Services, and Prevention Programs
You can get a CGM through a Medicare-participating DME supplier or a participating retail pharmacy. Humana lists CCS Medical and Edwards Healthcare as its preferred DME vendors for CGM supplies.7Humana. Humana Group Medicare Advantage CGM Coverage
Humana Healthy Horizons Medicaid plans in Florida cover the Dexcom G6, Dexcom G7, FreeStyle Libre 14 Day, FreeStyle Libre 2, and FreeStyle Libre 3, with quantity limits such as three Dexcom G6 sensors per 30 days or two FreeStyle Libre sensors per 28 days.9Humana. Diabetic Supply Policy Change Letter to Providers
Insulin Pumps
How your pump is covered depends on the type. Medicare Part B covers external, non-disposable insulin pumps as durable medical equipment, so traditional tubed pumps like the Medtronic MiniMed 780G fall under the medical benefit. Medtronic has confirmed that Medicare and Medicare Advantage beneficiaries have access to the MiniMed 780G, subject to standard billing and individual eligibility rules.10Medtronic. Medtronic Diabetes Expands Access to Full Stack Insulin Delivery Solutions
Disposable or patch pumps work differently. The Omnipod 5 is not covered as Part B durable medical equipment; it’s covered under Medicare Part D as a pharmacy benefit, and Humana Medicare Advantage is among the plans that cover it.11Omnipod. Omnipod Medicare Coverage
Insulin and the $35 Monthly Cap
Every Medicare Part D plan, Humana’s included, must cap a one-month supply of each covered insulin at $35. No deductible applies. A 90-day fill can’t exceed $35 per month, so a three-month supply tops out at about $105.12Medicare.gov. Insulin Coverage The same $35 cap applies to insulin used with a Part B-covered durable pump; that extension took effect in July 2023.13CMS.gov. Anniversary of the Inflation Reduction Act Update on CMS Implementation
Humana Part D covers injectable insulin not used with a pump, inhaled insulin, and insulin used with disposable pumps, and the Part D deductible does not apply.14Humana. Does Medicare Cover Insulin
Humana’s Insulin Savings Program
Humana layers its own Insulin Savings Program on top of the federal cap for members in participating Medicare Advantage Prescription Drug plans and the Humana Premier Rx standalone drug plan. Copays stay at $35 or less per 30-day supply of qualifying “Select Insulins” and continue at that level through the Part D coverage gap at in-network pharmacies. Humana estimates average annual savings of about $446 for eligible members.15Humana. Insulin Savings Program
Qualifying brands include Lantus, Novolog, Novolin, Levemir, Fiasp, Tresiba, Toujeo, Soliqua, and Xultophy. Walmart’s ReliOn brand and insulin used with Part B pumps are excluded.15Humana. Insulin Savings Program Members in group Medicare plans, Dual Special Needs Plans, or those receiving Medicare’s Extra Help benefit are not eligible for the program. Through CenterWell mail order, a 90-day supply of insulin costs a maximum of $80 on the Humana Premier Rx Plan and $95 on Medicare Advantage Prescription Drug plans.6CenterWell Pharmacy. Insulin Savings Program
Syringes, Pen Needles, and Other Injection Supplies
Syringes, pen needles, alcohol swabs, and gauze fall under Part D, not Part B.2Medicare.gov. Medicare Coverage of Diabetes Supplies, Services, and Prevention Programs On Humana’s formulary, BD and HTL-Droplet are the preferred brands, carrying the “PDS” (Preferred Diabetic Supplies) designation.16Humana. Humana Formulary Your copay depends on the product’s tier, the pharmacy, and your current stage in the Part D benefit. Check the plan’s formulary or Evidence of Coverage for exact numbers.
Therapeutic Shoes and Inserts
Humana Medicare Advantage follows Part B rules for therapeutic shoes. You qualify if you have diabetes plus at least one qualifying foot complication: a history of ulcers, peripheral neuropathy with callus formation, foot deformity, poor circulation, or a prior amputation.17CMS.gov. Therapeutic Shoes for Persons With Diabetes Coverage per calendar year is either one pair of custom-molded shoes plus two additional pairs of inserts, or one pair of extra-depth shoes plus three pairs of inserts. After the Part B deductible, you pay 20% of the Medicare-approved amount.18Medicare.gov. Therapeutic Shoes and Inserts
Diabetes Education and Nutrition Counseling
Humana Medicare Advantage plans cover diabetes screenings, diabetes self-management training, medical nutrition therapy, and the Medicare Diabetes Prevention Program at no cost to the member.3NCDOI.com. Humana Gold Plus Diabetes and Heart Summary of Benefits Medical nutrition therapy, which pairs you with a registered dietitian for a personalized eating plan, is covered 100% under Part B with no deductible or copay. Medicare covers three hours of MNT in the first year and two hours each year after, with a doctor’s referral.19Humana. Nutrition Therapy
Standard Costs Under Part B
For diabetic supplies on the medical side, the baseline is 20% of the Medicare-approved amount after the annual Part B deductible of $283 in 2026, with Medicare paying the other 80%.20MutualOfOmaha.com. Diabetic Supplies Medicare Coverage Preventive diabetes services are covered 100% with no deductible or copay when the provider accepts Medicare assignment.2Medicare.gov. Medicare Coverage of Diabetes Supplies, Services, and Prevention Programs Many Humana Medicare Advantage plans improve on the 20% figure, offering $0 copays for monitoring supplies and CGMs at preferred suppliers.
Chronic Condition Special Needs Plans
Humana sells Chronic Condition Special Needs Plans built around diabetes, such as the Humana Gold Plus Diabetes and Heart (HMO C-SNP).21Humana. Humana Special Needs Plans These plans use a network of diabetes and cardiovascular specialists, assign each member a care manager, and operate under a model of care approved by the National Committee for Quality Assurance.22MedicareAdvantage.com. Humana Gold Plus Diabetes and Heart Evidence of Coverage Depending on the version, extras can include $0 copays on CGMs and monitoring supplies and $0 diabetic eye exams.23MedicareAdvantage.com. Humana Gold Plus Diabetes and Heart H4461-063 Summary of Benefits
Humana Medicaid Plans
Humana Healthy Horizons Medicaid plans cover diabetic supplies through each state’s Preferred Drug List. Ohio’s PDL includes test strips, lancets, meters, and syringes at $0 copay at a network pharmacy.24Humana. Ohio Medicaid Pharmacy Louisiana’s PDL includes preferred glucose strips, lancets, meters, and syringes.25Humana. Louisiana Medicaid Pharmacy In Florida, coverage follows the state Agency for Health Care Administration’s PDL; members can call Humana Healthy Horizons at 844-918-0110 for specifics.26Humana. Florida Medicaid Pharmacy Coverage
How to Order and When Prior Authorization Applies
Some items need prior authorization, and which ones depends on your plan. Humana offers an online tool to look up requirements by CPT code, procedure name, or drug name.27Humana. Prior Authorization Lists For mail-order supplies, your doctor can fax or e-prescribe to CenterWell Pharmacy, which ships free.28Humana. Humana Mail Order Pharmacy For DME items like pumps and CGMs, Humana’s preferred vendors are CCS Medical (877-531-7959) and Edwards Healthcare (888-344-3434).7Humana. Humana Group Medicare Advantage CGM Coverage
If Humana Denies a Supply or Device
You have the right to appeal. The process has three levels. First, you ask Humana to reconsider through an internal appeal. If that fails, a second internal review is handled by a medical director who had no role in the first decision. If the denial still stands, you can request an independent external review by a third party outside the insurance company.29Healthcare.gov. Appeals
Internal appeals generally must be filed in writing within 180 days of the denial notice. In urgent cases where delay could seriously harm the patient, insurers must respond within 72 hours. Keep records of every communication and ask your doctor for a supporting letter.30TCOYD.org. Denied Coverage for a Diabetes Medication or Device Heres How to File an Appeal