Medicare and Diabetes

Author

Kimberly Harris Insurance Agent

For more information about the author, click to view their website: Kimberly Harris Insurance Agent

Posted on

May 20, 2025

Diabetes can be a frightening and expensive diagnosis. With testing materials, insulin, needles and additional doctor visits with specialists, it can seem daunting. That’s why we’re going to look at what Original Medicare coverage for diabetes looks like and what you can expect from different parts of Medicare.

Medicare Part A Diabetes Coverage

Part A coverage is for hospital stays, which can occur for diabetics if their blood sugar is unregulated. If you are diagnosed with diabetes after 65, you will probably need to be hospitalized for a day or two when first diagnosed to get your levels back to normal, receive diabetes education and counseling, and determine a course of action based on your health care needs.

Medicare Part B Diabetes Coverage

Medicare Part B offers coverage for doctor visits and medical screenings, which includes diabetes management. It will also cover diabetic supplies to help you manage your blood sugar, such as blood sugar testing strips.

Doctor visits

Part B covers a one-time “Welcome to Medicare” doctor visit to review your health when you first join Medicare. If you already have diabetes when you join Medicare, this visit will include an overview of what materials you use to manage your blood sugar and what type of insulin you use. If you are diagnosed after 65, you will likely need to schedule a doctor’s appointment with your primary care physician to establish a care plan after your diagnosis.

Once you’ve had Part B for longer than 12 months, you have coverage for a yearly wellness visit. This visit is to review your medical and family history, update your list of providers and prescription drugs, and review a treatment and screening plan for the upcoming year.

If you have diabetes-related nerve damage (which is called diabetic neuropathy) in either foot, Part B will cover one foot exam every six months with a podiatrist. Diabetes nerve damage on your feet is a safety risk for diabetics, as they may not be able to feel dangers from heat or sharp objects. As part of this coverage, Medicare may cover therapeutic shoes and insoles in certain conditions.

Regardless of your diabetic diagnosis, Part B will pay for flu shots, pneumococcal shot to prevent pneumonia and COVID-19 vaccinations, including boosters. Diabetes increases your chances for serious health complications from these and other illnesses.

Blood tests & screenings

If you’re at risk for diabetes or diagnosed with pre-diabetes, Part B may pay for up to two screenings, such as fasting blood sugar, in a 12-month period to monitor blood sugar levels. This is used to determine if your blood sugar levels are normal or if you are becoming increasingly insulin resistant.

Other screenings include hemoglobin A1C tests and glaucoma tests. Hemoglobin A1C tests measure how well your blood sugar has been controlled over the last three months. Part B will cover an eye check for glaucoma once every 12 months, as diabetes increases the risk of glaucoma.

Diabetic services

Part B covers the Diabetes Prevention Program. Sessions of the program include training on diet and exercise improvements, weight management strategies, and health coaching. To be eligible for the program, you must meet certain criteria, such as body mass index and blood test results.

Medicare will cover an outpatient program to teach you how to manage your diabetes upon diagnosis. They will instruct on diet, exercise, monitoring your blood sugar, medication administration and reducing the risk of complications. Part B will also cover nutrition therapy services with a registered dietitian or nutritionist if your blood sugar levels meet eligibility.

Supplies & equipment

Blood sugar self-testing equipment and supplies are covered by Part B. This includes blood sugar monitors, blood sugar test strips, lancet devices and lancets, and glucose control solutions for checking the accuracy of testing equipment and test strips. Part B covers these supplies for people with diabetes whether or not they use insulin, although coverage amounts may vary. Medicare Part B may also cover external insulin pump devices, including the insulin used with the pump, if eligible.

Medicare Part D Diabetes Coverage

Medicare Part D is coverage for prescription drugs. Diabetics rely on medications and Part D covers many of those.

  • Insulin: Injectable insulin, insulin used in pumps and inhaled insulin may all be covered.
  • Anti-diabetic drugs: Your plan may cover drugs to help blood sugar levels.
  • Diabetes supplies: The supplies you use in conjunction with insulin may be covered. These may include syringes, needles, alcohol swabs, gauze and inhaled insulin devices.

It is important to note that, starting in 2023, many insulin types will have a monthly $35 copay cap. Check your drug plan’s formulary for more information on what your specific costs may be.

Conclusion

Original Medicare offers a variety of services for those with diabetes. Additionally, drug coverage is essential for those who rely on insulin. The most important thing those with diabetes can do is manage their condition to prevent complications. If you have questions about diabetic Medicare coverage, including additional coverage options, please reach out to one of our licensed insurance agents and we will be happy to assist you.

PlanEnroll is a brand operated by Integrity Marketing Group, LLC and used by its affiliated licensed insurance agencies that are certified to sell Medicare products. PlanEnroll is not endorsed by the Center for Medicare & Medicaid Services (CMS), the Department of Health and Human Services (DHHS), or any other government agency.

Other Articles You May Like

Hearing Loss in Older Adults: What Families Should Know

Hearing loss is common as we get older, but that doesn't mean it should be ignored. For many older adults, hearing changes happen gradually. They may not realize how much their hearing has changed, or they may become accustomed to asking people to repeat themselves, turning up the television, or avoiding conversations in noisy environments.Family members are often among the first people to notice that an older loved one may be having difficulty hearing. Recognizing the signs and approaching the subject with patience and understanding can make it easier for a senior to receive the hearing care they need.Understanding Hearing Loss in Older AdultsAge-related hearing loss can develop slowly over time. Rather than suddenly losing the ability to hear, an older adult may gradually have more difficulty understanding certain voices, following conversations, or hearing higher-pitched sounds.Hearing loss can affect more than the ability to hear words. It can make communication more challenging and may cause an older adult to miss important information or feel frustrated during conversations.Because hearing loss often develops gradually, a person may not realize that others are speaking normally while their ability to hear and understand has changed.Signs Your Loved One May Have Hearing LossFamily members may notice signs of hearing loss before an older adult recognizes them.Some common signs include: Frequently asking others to repeat themselves Turning the television or radio volume up very high Having difficulty following conversations Struggling to hear in restaurants or other noisy environments Frequently misunderstanding what people say Having difficulty hearing on the telephone Watching people's faces closely while they speak Complaining that everyone seems to mumble Avoiding social gatherings or group conversations Responding inappropriately because they misunderstood a question If several of these behaviors sound familiar, it may be worthwhile to encourage your loved one to have their hearing evaluated.Hearing Loss Can Affect More Than CommunicationIt can be easy to think of hearing loss as simply a problem with hearing conversations. However, communication difficulties can affect many areas of an older adult's daily life.Someone who struggles to hear may become frustrated when talking with family and friends. They may stop participating in group conversations because they cannot follow what is being said.Over time, an older adult may begin avoiding restaurants, community activities, family gatherings, or other social situations where hearing is difficult.Helping a loved one address hearing difficulties can make it easier for them to remain engaged with the people and activities they enjoy.Why Some Seniors Resist Hearing CareIt isn't unusual for an older adult to be reluctant to acknowledge hearing loss.They may believe that their hearing is "good enough," feel embarrassed about needing hearing aids, or worry that others will view them differently. Some people may also assume that hearing loss is simply an unavoidable part of aging.Family members should approach the conversation with compassion rather than criticism.Instead of saying, "You can't hear anything anymore," try explaining how better hearing could make everyday conversations easier and help your loved one stay connected with family and friends.Start the Conversation With UnderstandingTalking about hearing loss can be sensitive. Choose a quiet, comfortable time to discuss your concerns rather than bringing up the subject during a frustrating conversation.You might explain that you've noticed they are having difficulty hearing and that you would like to help them find out why.It can also help to make the conversation about their quality of life rather than focusing on what they are doing wrong.For example, you can point out that a hearing evaluation could help them hear conversations more comfortably at family gatherings, restaurants, or other activities they enjoy.Encourage a Hearing EvaluationIf you or your loved one notices signs of hearing difficulty, the next step is a professional hearing evaluation.A hearing evaluation can help determine whether hearing loss is present and provide information about the type and degree of hearing difficulty.Depending on the results, a hearing professional can discuss available options and help determine what may be appropriate for the individual's hearing needs and lifestyle.It's important not to purchase hearing aids simply because someone else has had success with a particular model. Hearing needs vary from person to person, so professional guidance is valuable.Hearing Aids May HelpFor some people with hearing loss, hearing aids can make communication easier.Modern hearing aids come in a variety of styles and features. A hearing professional can help determine which options may be appropriate based on an individual's hearing loss, lifestyle, comfort, and personal preferences.It can take some time for a person to adjust to wearing hearing aids. Family members can support the process by being patient and encouraging their loved one as they become comfortable with their devices.How Family Members Can Improve CommunicationEven when an older adult is receiving treatment for hearing loss, family members can make conversations easier.Try these simple communication strategies:Get Their Attention FirstMake sure your loved one knows you are speaking to them before beginning a conversation.Face Them When You SpeakFacing the person can make communication easier and allows them to see your facial expressions and other visual cues.Reduce Background NoiseTurn off the television or move to a quieter area when having an important conversation.Speak ClearlySpeak at a natural pace and avoid shouting. Speaking louder does not always make speech easier to understand.Be PatientGive your loved one time to process what you've said and respond. If they don't understand, try rephrasing the statement rather than simply repeating the same words louder.Don't Ignore Sudden Hearing ChangesWhile gradual hearing loss is common, sudden changes in hearing should not be ignored.If an older adult experiences sudden hearing loss, particularly in one ear, they should seek prompt medical attention. Sudden hearing changes can have different causes and may require urgent evaluation.Other symptoms such as dizziness, severe ear pain, drainage, or sudden neurological symptoms should also be evaluated by a healthcare professional.Hearing Care Can Help Older Adults Stay ConnectedHearing is an important part of maintaining relationships and participating in everyday life. When an older adult has difficulty hearing, the effects can extend beyond conversations.Families can play an important role by recognizing potential signs of hearing loss, approaching the subject with compassion, and encouraging professional hearing care.If you suspect that a parent, grandparent, spouse, or another loved one is experiencing hearing loss, don't wait until communication becomes extremely difficult. A professional hearing evaluation can provide valuable information and help your loved one understand their options.Darrell M. Sipe Opticians & Hearing Aids provides hearing care services designed to help individuals better understand their hearing needs and explore appropriate solutions.Better hearing can mean more meaningful conversations, greater participation, and more opportunities to stay connected with the people who matter most.If you're concerned about a loved one's hearing, start the conversation today. A hearing evaluation can be an important first step toward better communication and a better quality of life.  

How Diabetes Can Affect Your Eyes

Diabetes affects millions of people and can impact many parts of the body, including the eyes. High blood sugar levels over time can damage the small blood vessels that supply the retina, the light-sensitive tissue at the back of the eye.Because diabetes-related eye problems can develop gradually and may not cause noticeable symptoms at first, regular eye care is an important part of managing your overall health.Understanding how diabetes can affect your eyesand knowing when to seek professional carecan help you take steps to protect your vision.How Does Diabetes Affect the Eyes?When blood sugar remains higher than normal over an extended period, it can damage blood vessels throughout the body. The tiny blood vessels in the retina can be particularly vulnerable.Damaged blood vessels may leak fluid or blood, swell, or become blocked. As these changes progress, they can interfere with the retina's ability to function properly and potentially affect your vision.Diabetes can contribute to several eye conditions, including diabetic retinopathy, diabetic macular edema, cataracts, and glaucoma.Diabetic RetinopathyDiabetic retinopathy is one of the most important eye complications associated with diabetes.In its early stages, diabetic retinopathy may not cause noticeable changes in vision. Over time, however, damaged retinal blood vessels can leak or cause other changes that affect eyesight.In more advanced cases, abnormal blood vessels can develop and potentially cause serious damage to the retina.Because diabetic retinopathy may progress without obvious symptoms, regular dilated eye examinations are especially important for people with diabetes.Diabetic Macular EdemaDiabetes can also cause fluid to build up in the macula, the central portion of the retina responsible for detailed vision.This condition is called diabetic macular edema (DME). Swelling in the macula can cause blurry or distorted central vision and may interfere with activities such as reading, driving, recognizing faces, or seeing fine details.Early detection and appropriate treatment can help reduce the risk of serious vision problems.Diabetes and CataractsA cataract occurs when the normally clear lens inside the eye becomes cloudy.People with diabetes may develop cataracts at a younger age or experience cataract progression more quickly than people without diabetes.Cataracts can cause symptoms such as: Cloudy or blurry vision Increased sensitivity to light Glare or halos around lights Difficulty seeing at night Faded or less vibrant colors Frequent changes in your glasses prescription If you experience these symptoms, an eye examination can help determine what may be causing your vision changes.Diabetes and GlaucomaDiabetes is also associated with an increased risk of glaucoma.Glaucoma is a group of eye diseases that can damage the optic nerve, which connects the eye to the brain. In many cases, glaucoma can develop gradually without noticeable symptoms.Regular eye examinations can help your eye care professional monitor your eye health and identify changes that may require further evaluation or treatment.Vision Changes You Shouldn't IgnoreIf you have diabetes, don't ignore changes in your vision.Contact an eye care professional if you experience: Blurry vision Dark spots or areas in your vision New or increasing floaters Flashes of light Distorted vision Difficulty seeing at night Loss of vision A sudden change in eyesight A sudden loss or significant change in vision should be treated as an urgent medical concern.Why Regular Eye Examinations Are So ImportantOne of the best ways to protect your vision when you have diabetes is to maintain regular eye examinations.A comprehensive eye examination allows an eye care professional to look for signs of diabetic eye disease that you may not be able to see or feel yourself.Depending on your individual situation, your eye care professional may recommend dilated eye examinations or additional testing to monitor the health of your retina and other structures within your eyes.Your recommended examination schedule can depend on the type of diabetes you have, how long you have had it, your blood sugar control, and other health factors.Manage Your Blood SugarKeeping your blood sugar within the range recommended by your healthcare provider is an important part of diabetes management and can also help protect your eyes.Follow your diabetes treatment plan and monitor your blood sugar as recommended. If you have questions about managing diabetes, talk with your physician or diabetes care team.Managing blood pressure and cholesterol may also be important for people with diabetes.Take Care of Your Overall HealthYour eye health is connected to your overall health.In addition to managing blood sugar, follow your healthcare provider's recommendations for blood pressure, cholesterol, nutrition, physical activity, and other aspects of diabetes care.Don't overlook regular medical and eye appointments simply because you feel well. Some diabetes-related complications can develop before you notice symptoms.Diabetes Doesn't Have to Mean Losing Your VisionHaving diabetes does not mean that you will automatically develop serious vision problems. However, diabetes does increase the risk of certain eye conditions, making prevention, monitoring, and early detection particularly important.Regular eye examinations, appropriate diabetes management, and paying attention to changes in your vision can all play an important role in protecting your eyesight.If you have diabetes and haven't had a recent comprehensive eye examination, consider scheduling one. Your eye care professional can evaluate your eye health, monitor for diabetes-related changes, and help you understand the best steps for protecting your vision.Darrell M. Sipe Opticians & Hearing Aids is committed to helping patients maintain healthy vision through professional eye care and comprehensive optical services.Your vision is an important part of your independence and quality of life. If you have diabetes, make caring for your eyes an important part of caring for your overall health.

How to Help Protect Your Vision as You Age

Our eyes allow us to enjoy many of life's most important momentsfrom seeing the faces of family and friends to reading a favorite book, driving, working, and enjoying the outdoors. As we age, however, changes in our vision become more common.Some changes are a natural part of getting older, while others may be related to eye diseases or other health conditions. The good news is that there are steps you can take to help protect your vision and support healthy eyes throughout your life.Here are some important ways to care for your eyes as you age.Schedule Regular Eye ExaminationsOne of the best things you can do for your vision is to have regular comprehensive eye examinations.An eye exam isn't only about determining whether you need a stronger prescription for your glasses. Your eye care professional can also evaluate the health of your eyes and look for signs of potential problems.Some eye conditions can develop without obvious symptoms in their early stages. Regular examinations can help identify changes early, when they may be easier to manage.Your recommended examination schedule may depend on your age, health, family history, medications, and individual eye-care needs.Don't Ignore Changes in Your VisionAs you get older, you may notice changes such as needing more light to read, having difficulty seeing at night, or experiencing increased sensitivity to glare.While some vision changes can be associated with normal aging, you should not ignore significant or unexpected changes.Contact an eye care professional if you experience: Persistent blurry vision Difficulty seeing at night New or increasing floaters Flashes of light Distorted vision Double vision Loss of peripheral vision A sudden change in your eyesight A sudden change in vision can require prompt medical attention, so don't wait to have it evaluated.Protect Your Eyes From the SunYour eyes are exposed to ultraviolet (UV) radiation throughout your lifetime. Protecting them from excessive sunlight is an important part of maintaining healthy eyes.When outdoors, wear sunglasses that provide 100% UVA and UVB protection. A wide-brimmed hat can provide an additional layer of protection.If you wear prescription glasses, prescription sunglasses can provide both vision correction and protection from bright sunlight. Polarized lenses may also help reduce glare from surfaces such as roads, water, and snow.Eat for Your Eye HealthA healthy, balanced diet supports your overall health and can contribute to healthy eyes.Include a variety of fruits and vegetables in your diet, particularly colorful produce and leafy green vegetables. Fish, nuts, and other nutrient-rich foods can also be part of a balanced eating pattern.If you are considering vitamins or supplements specifically for eye health, talk with your healthcare provider or eye care professional before taking them.Manage Your Overall HealthYour overall health and your eye health are closely connected.Certain conditions, including diabetes and high blood pressure, can affect the eyes. Following your healthcare provider's recommendations for managing these conditions is an important part of protecting your vision.Take prescribed medications as directed, attend recommended medical appointments, and discuss any new vision symptoms with your healthcare providers.Protect Your Eyes From InjuryEye injuries can happen at any age. Wearing appropriate protective eyewear can help reduce the risk of injury when working with tools, chemicals, machinery, or other materials that could potentially harm your eyes.Protective eyewear may also be appropriate for certain sports and hobbies.Don't assume that an activity is safe simply because you have done it many times before. A moment of protection can help prevent a serious eye injury.Take Breaks From Digital ScreensComputers, smartphones, tablets, and other digital devices are part of everyday life for many older adults.Spending extended periods looking at screens can contribute to digital eye strain. Symptoms may include tired eyes, dryness, headaches, and temporary blurry vision.Try following the 20-20-20 rule: every 20 minutes, look at something approximately 20 feet away for at least 20 seconds.Adjusting your screen position, brightness, and lighting can also make digital devices more comfortable to use.Avoid SmokingSmoking can negatively affect your overall health and is also associated with an increased risk of several eye-related problems.If you smoke, quitting can be an important step toward improving your overall health and supporting your long-term eye health.If you are interested in quitting, speak with your healthcare provider about resources that can help.Get Enough SleepYour eyes need rest, just like the rest of your body.Not getting enough sleep may contribute to tired, dry, or irritated eyes. Establishing a consistent sleep routine and giving your eyes a break throughout the day can help promote greater comfort.If you regularly experience significant eye discomfort or dryness, talk with an eye care professional.Review Your Medications With Your Healthcare ProviderAs we age, many people take medications for a variety of health conditions. Some medications can affect the eyes or cause changes such as dryness or blurred vision.Don't stop taking a prescribed medication on your own. Instead, talk with your healthcare provider if you notice new vision-related symptoms or have concerns about your medications.Keep Your Prescription Up to DateYour vision prescription can change as you age. Even if your glasses are still in good physical condition, the prescription may no longer provide the clearest vision possible.Signs that your prescription may need to be updated can include: Squinting to see clearly Frequent headaches Blurry vision Eye strain Difficulty reading Trouble seeing at night Difficulty seeing clearly at a computer An eye examination can determine whether your prescription needs to be changed.Be Aware of Age-Related Eye ConditionsAs we get older, the risk of developing certain eye conditions increases. These may include cataracts, glaucoma, age-related macular degeneration, and other conditions that can affect vision.Some of these conditions may not cause noticeable symptoms during their early stages. That's another reason regular eye examinations are so important.Your eye care professional can help you understand your individual risk factors and recommend appropriate care.Protecting Your Vision Is a Lifelong CommitmentYou can't prevent every change that may occur in your vision as you age, but you can take steps to support your eye health and identify potential problems early.Regular eye examinations, healthy lifestyle choices, UV protection, appropriate protective eyewear, and paying attention to changes in your vision are all important pieces of a long-term eye health plan.Don't wait until a vision problem begins interfering with your daily life before seeking help. If you've noticed changes in your eyesight or it's been a while since your last eye examination, consider making an appointment with your eye care professional.Darrell M. Sipe Opticians & Hearing Aids is committed to helping patients maintain clear, comfortable vision with professional eye care and quality optical services.Your eyes have been with you for a lifetime. Taking care of them today can help you continue to see the people, places, and experiences that matter most for years to come.  

Local Services By This Author

Kimberly M. Harris Independent Insurance Agent

Medicare Insurance 236 Castle Shannon Blvd, Pittsburgh, Pennsylvania, 15228

Kimberly Harris is a dedicated insurance agent committed to helping individuals and families find the right coverage tailored to their unique needs. With a focus on personalized service and a deep understanding of the insurance landscape, Kimberly assists clients in navigating the often complex world of insurance policies, ensuring they make informed decisions that provide security and peace of mind.Comprehensive Insurance SolutionsKimberly offers a wide range of insurance products designed to protect various aspects of her clients' lives. Her areas of expertise include:Health Insurance: Understanding the importance of maintaining good health, Kimberly provides clients with options that cover medical expenses, preventive care, and other health-related services.Life Insurance: To safeguard the financial future of clients' loved ones, Kimberly offers policies that provide financial support in the event of unforeseen circumstances.Long Term Care Insurance: Nearly 70% of people who reach age 65 will require some long-term care services. Annuities: a much misunderstood very flexible investment for those considering retirement. They can provide a supplementary source of income alongside Social Security. Personalized Service and Client EducationKimberly believes that an informed client is an empowered client. She takes the time to educate individuals about the nuances of different insurance policies, helping them understand coverage options, premiums, deductibles, and the claims process. This educational approach ensures that clients are confident in their insurance choices and understand the value of their investments.Serving the Southwestern Pennsylvania communities, Kimberly possesses in-depth knowledge of the local insurance market and regulations specific to Pennsylvania. This local expertise allows her to provide recommendations that are not only comprehensive but also compliant with state laws and tailored to the unique needs of Pittsburgh residents.Commitment to Client SatisfactionKimberly's dedication to her clients goes beyond policy selection. She is committed to building lasting relationships, offering ongoing support, and being readily available to address any questions or concerns. Her goal is to ensure that clients feel secure and supported throughout their insurance journey.  Choosing the right insurance coverage is a critical decision that impacts one's financial stability and well-being. With Kimberly Harris as your insurance agent, you can trust that you are receiving personalized, knowledgeable, and dedicated service aimed at securing the best possible outcomes for you and your loved ones.  Give Kimberly a call today, her services are provided at no charge - she can be reached at 412-561-9257.