Top 3 Medicare Plans in Florida That Cover Diabetic Supplies

Explore the top 3 Medicare plans in Florida that cover diabetic supplies. Compare costs, coverage, and benefits for 2025.

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📗 Table of Contents:

1. Why Diabetic Supplies Matter for Florida Seniors

2. What Diabetic Supplies Are Covered by Medicare?

3. How to Get Coverage for Diabetic Supplies in Florida

4. Top 3 Medicare Plans in Florida That Cover Diabetic Supplies

5. What Each Plan Covers (Side-by-Side Comparison)

6. Tips for Choosing the Best Plan for Diabetic Needs

7. Florida Seniors Share Real Experiences

8. Common Questions About Medicare and Diabetic Supplies

9. Final Thoughts

10. Tags

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1. Why Diabetic Supplies Matter for Florida Seniors

Diabetes is one of the most common health conditions among Florida seniors. Whether you’re newly diagnosed or managing diabetes for years, access to supplies like:

• Test strips

• Glucose monitors

• Lancets

• Insulin pens

• Continuous Glucose Monitors (CGMs)

• Insulin pumps

…is essential for staying healthy.

But without the right Medicare plan, the cost of diabetic supplies can add up fast.

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2. What Diabetic Supplies Are Covered by Medicare?

Medicare can cover many diabetes-related items, but it depends on which part of Medicare you’re enrolled in.

Here’s a quick breakdown:

You’ll need a doctor’s prescription and must use Medicare-approved suppliers or pharmacies.

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3. How to Get Coverage for Diabetic Supplies in Florida

You have three main options:

✅ Option 1: Original Medicare + Part B

You get basic coverage for testing supplies, some CGMs, and insulin pumps. You still pay 20% coinsurance unless you have a Medigap plan.

✅ Option 2: Medicare Advantage (Part C)

Most Medicare Advantage Plans in Florida cover both Part B and Part D services—and often offer extra diabetic support, such as:

• Free or discounted CGMs

• Insulin for $0–$35/month

• 90-day supply delivery

• Access to diabetic nurse coaches

✅ Option 3: Dual-Eligible Plans

If you qualify for both Medicare and Medicaid in Florida, you may get extra help and pay little to nothing for supplies.

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4. Top 3 Medicare Plans in Florida That Cover Diabetic Supplies

Let’s look at the top 3 Medicare plans in Florida known for excellent diabetic supply coverage in 2025.

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⭐ 1. Humana Gold Plus HMO

Why it’s great:

• Covers test strips, lancets, and CGMs like FreeStyle Libre

• $0 insulin with select pharmacies

• 90-day supplies by mail

• Diabetes coaching and wellness rewards

• Includes SilverSneakers® fitness program

Extras:

• No monthly premium

• Primary care visits = $0

• Great customer service in Florida

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⭐ 2. UnitedHealthcare AARP Medicare Advantage PPO

Why it’s great:

• Broad access to national pharmacy networks

• Covers Dexcom and Libre CGMs

• Part D included (covers insulin pens and supplies)

• Doesn’t require referrals for specialists

• Allows out-of-network access (good for snowbirds!)

Extras:

• $0 copay for most diabetic supplies

• 24/7 nurse hotline

• Care coordination for diabetic patients

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⭐ 3. Florida Blue Medicare Preferred HMO

Why it’s great:

• Florida-based plan with strong in-network care

• Covers common diabetic supplies with $0 copay

• Includes insulin coverage for $35/month or less

• Offers 3-month supplies shipped free

Extras:

• Strong local support

• Well-rated plan in Florida

• Can pair with OTC allowance for vitamins and diabetic foot care products

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5. What Each Plan Covers (Side-by-Side Comparison)

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6. Tips for Choosing the Best Plan for Diabetic Needs

Here are a few things to consider:

🔹 Check your current medications and supplies.
Make sure your plan’s formulary includes your insulin, strips, and meters.

🔹 Review pharmacy networks.
Some plans offer $0 copay if you use a specific pharmacy.

🔹 Look for added support.
Programs like dietitian visits, foot care, and vision coverage are helpful.

🔹 Use Medicare.gov Plan Finder
You can enter your zip code, prescriptions, and preferred pharmacy to get a personalized match.

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7. Florida Seniors Share Real Experiences

“I switched to Humana Gold and now get all my supplies in the mail. My CGM is free, and I haven’t paid a penny since January.”
— Judy, 68, St. Petersburg

“Florida Blue made everything simple. I got my test strips, meter, and insulin with zero fuss. Plus, the OTC card is a bonus!”
— Rick, 72, Orlando

“UnitedHealthcare gave me more freedom. I travel to New York in summer, and my coverage still works.”
— Luis, 67, Miami

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8. Common Questions About Medicare and Diabetic Supplies

Q1: Are CGMs like Dexcom covered by Medicare?
Yes, under Part B or through an Advantage plan, if your doctor certifies you meet the requirements.

Q2: What about test strips and meters?
Covered under Part B—most Advantage plans include them at no extra cost.

Q3: Will I pay for insulin on Medicare?
Yes, unless you use a plan with the new $35/month insulin cap.

Q4: What if I have both Medicare and Medicaid?
You may qualify for a Dual Special Needs Plan (D-SNP)—this offers free diabetic supplies and insulin.

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9. Final Thoughts

Finding the right plan doesn’t have to be stressful. If you’re a diabetic senior in Florida, the top 3 Medicare plans listed above offer:

✅ Free or low-cost supplies
✅ Coverage for insulin, strips, monitors, and pumps
✅ Added diabetic coaching and support
✅ Low copays or none at all

👉 Take advantage of open enrollment (Oct 15 – Dec 7) and review your options. You deserve coverage that fits your life and helps you manage diabetes confidently.

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