In today’s world, managing diabetes isn’t just about testing blood sugar and administering insulin—it’s a constant battle to avoid the financial strain that comes with lifesaving treatments like insulin pumps, continuous glucose monitors (CGMs) and the myriad of supplies we rely on every day. If you’ve ever felt sticker shock looking at your health insurance statements, you’re not alone. The good news? In 2025, there are more plans than ever designed specifically to take the sting out of diabetes care—plans that cover insulin at little to no cost, include CGMs as part of their core benefits, and ensure that everything from infusion sets to test strips is accounted for. Stop overpaying, and let’s dig into the best options in the USA and Canada so you can find a plan that truly has your back.

Best Insulin Coverage Plans in 2025

When we talk insulin coverage, we’re looking for plans that:

• Waive or cap copays on all insulin types (rapid-acting, long-acting, biosimilars).
• Include mail-order or home delivery options for convenience and savings.
• Offer specialty pharmacy benefits for the newest analog insulins.

Here are the top contenders:

1. Oscar Simple Diabetes (USA)
   • $0 copay on insulin pens, vials, and routine diabetes care services.
   • Includes nutrition counseling and at-home lab test kits.
2. Aetna Saver Plus (USA)
   • $0 insulin copays at preferred pharmacies.
   • Seamless integration with FSAs and HSAs to cover any remaining costs—you can learn more about covered supplies on Aetna’s site.
3. Blue Cross Blue Shield Blue Medicare (USA)
   • Under Medicare Part D, most plans now cap insulin copays at $35 per month—and some at $0.
   • Automatic mail-order refills to avoid gaps in therapy.
4. Manulife Diabetes Care (Canada)
   • Private plans reimburse 80–100% of insulin costs when filled through home delivery.
   • Includes access to 24/7 nurse support lines.
5. Sun Life Health & Dental (Canada)
   • Covers insulin pumps and supplies under the major appliance benefit.
   • No lifetime maximum on pump replacements or upgrades.

By choosing one of these plans, you can eliminate surprise insulin bills and focus on what matters—staying healthy.

Top CGM Insurance Plans in 2025

Continuous glucose monitoring has shifted the diabetes care paradigm, offering real-time data and fewer finger sticks. The best CGM plans will:

• Cover device and sensors (Dexcom G6/G7, Freestyle Libre, Medtronic Guardian).
• Provide direct-to-pharmacy billing, so you never have to pay out-of-pocket.
• Include technical support and training sessions.

Our top picks:

1. Aetna® Enhanced Diabetes (USA)
   • Full coverage for Dexcom G6, G7, FreeStyle Libre 2.
   • No out-of-pocket cost when using nationwide pharmacy network. Learn more about diabetic supplies coverage.
2. Cigna Healthcare Diabetes Advantage (USA)
   • Covers Medtronic Guardian CGMs under durable medical equipment.
   • Biannual device upgrades at no extra cost.
3. Oscar CGM Choice (USA)
   • Choice of any FDA-approved CGM at $0 copay.
   • Includes cloud-based data sharing with your care team.
4. Dexcom G7 Private Coverage (Canada)
   • Over 95% of private plans reimburse Dexcom G7 as a pharmacy benefit, with direct billing.
   • Provincial overage top-ups available through NIHB for eligible First Nations and Inuit.
5. FreeStyle Libre Plus Coverage (Canada)
   • Public coverage in BC, ON, QC and many other provinces after a nominal copay.
   • Private insurers cover on average 80% of sensor costs; top-up through FSA/HSA equivalents.

Plans Covering Diabetes Supplies in 2025

Beyond insulin and CGMs, diabetes management requires: infusion sets, infusion reservoirs, pump batteries, test strips, lancets, syringes, and more. Look for plans that:

• Bundle supplies under a single out-of-pocket maximum.
• Allow home delivery of all consumables.
• Offer 24-hour pharmacy access for emergencies.

This comparison highlights how the right plan can consolidate costs, reduce paperwork, and ensure you never run out of the tools you need.

How to Choose the Right Plan

Selecting the perfect plan isn’t just about lowest premium—it’s about the total value you receive:

1. Assess Your Usage Patterns
   • Do you change CGM sensors bi-weekly? How often do you replace infusion sets?
2. Check Pharmacy Networks
   • Ensure your preferred pharmacy or mail-order service is in-network for zero-copay benefits.
3. Review Out-of-Pocket Maximums
   • Even if per-item copays are low, a high out-of-pocket maximum can hurt in a high-usage year.
4. Look for Integrated Support
   • Programs that bundle education, nutrition counseling, and remote monitoring can improve outcomes and reduce costs long-term.

Tips to Maximize Your Benefits

• Use an HSA/FSA: If your plan is HSA-eligible, fund it early to pay for any unexpected supplies tax-free.
• Verify Prior Authorizations: Submit PA forms early in the year to avoid coverage delays for new pumps or devices.
• Check for Manufacturer Assistance: Brands like Dexcom and Abbott often run co-pay assistance programs.
• Annual Plan Review: Insurance offerings change each Open Enrollment—re-evaluate every year to ensure you’re on the best plan.

Conclusion

When it comes to diabetes, managing your health should never mean sacrificing financial stability. In 2025, both U.S. and Canadian markets offer tailored plans that fully cover insulin, CGMs, and all the supplies you count on—so you can stop overpaying and start focusing on living your best life. Take the time now to research, compare, and enroll in a plan that gives you peace of mind and the freedom to manage diabetes on your terms.

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References:

• Aetna’s diabetic supplies coverage overview: Get to know the diabetic supplies covered in your plan
• Government of Canada’s pharmacare legislation for diabetes medications: Bill C-64, An Act respecting pharmacare