A continuous glucose monitor (CGM) is a device used for measuring and tracking blood sugar levels. Unlike other glucose-measuring devices, a CGM is wearable. So, it is constantly attached to the body, making it able to measure glucose levels throughout the day and transmit data to a connected device, like a smartphone. Originally developed for those with diabetes, a CGM can now be used by anyone who wants to regulate their metabolism.

Types of CGMs

The basic function of all CGMs is to measure blood glucose levels. That said, the devices can differ in the ways they display and store this information. One of the most common types of CGMs is known as a real-time CGM device. One such device is the ADC Freestyle Libre 3 system, which automatically sends blood-glucose data to a receiver or smartphone so that results can be accessed anytime. Another type is intermittently scanned CGMs that also measure glucose levels on a continuous basis but share the data differently. To view or store this data, the devices have to be scanned by a receiver or a smartphone. A third type is also available, whose data is downloaded by a doctor at a later date.

While CGMs could be of one of these three types, the devices differ from each other based on a few model specifications.

– Location of the sensor—whether it is implanted within the skin or just placed on it

– Replacement duration of the sensor

– Time it takes for the CGM to warm up

– Adjustment of the program settings

Cost of CGMs

The cost of these medical devices can differ based on the brand, model, and insurance coverage. In addition, the price of CGMs also varies depending on whether the device has been purchased through a membership shopping club, a retail pharmacy, or a third-party medical equipment company.

In general, most CGM manufacturers offer programs that give customers a month’s supply of CGM sensors, transmitters, and receivers. These programs can cost anywhere between $200 and $1,000. But, at times, with insurance coverage, the out-of-pocket expenses can be less than $100 per month for only the sensors. The transmitters and receivers might come at an additional price. In addition, many manufacturers often offer rebates and discounts that can significantly lower costs. These discounts are usually offered through patient assistance programs. To benefit from these programs, one would have to meet specific eligibility criteria.

Insurance coverage for CGMs

The availability and extent of insurance coverage for CGMs can vary from state to state, whether one is covered by Medicaid or private insurance. Additionally, the eligibility criteria for getting coverage for CGMs vary from one state to another. For example, in 45 states, Medicaid can cover the cost of CGMs to an extent. That said, there is no consistent policy across states regarding who can qualify for such coverage.

Similarly, CGM coverage under private insurance policies also differs based on the extent of coverage and the qualifying criteria. Usually, most insurers require policyholders to be diagnosed with type 1, type 2, or gestational diabetes to qualify for coverage. But there are other providers that are willing to cover the cost of CGM devices without such a diagnosis, given that the device has been prescribed by a doctor.