CGM Annual Net Cost Estimator

Project your annual out-of-pocket spend for continuous glucose monitoring by layering sensor consumption, hardware refreshes, insurance coverage, and optional HSA or FSA reimbursements. The result shows the cash you need to budget after insurers and tax-advantaged accounts chip in.

Average number of disposable CGM sensors you cycle through in a month.
List price before insurance for each sensor or refill shipped.
Include transmitters, receivers, or reader upgrades purchased each year.
Percentage your insurer pays after deductible and coinsurance.
Optional — assume no reimbursement if blank

Not medical or billing advice — confirm coverage and pricing with your provider.

Examples

  • 3.0 sensors/month at $89.00, $340.00 hardware, 60.0% coverage, 0% reimbursement ⇒ $1,417.60 per year
  • 4.0 sensors/month at $72.00, $280.00 hardware, 50.0% coverage, 20% reimbursement ⇒ $1,494.40 per year

FAQ

How should I handle an unmet deductible?

Set coverage to 0% until your deductible is reached, then rerun the calculation with your usual coverage percentage to compare the annual totals.

Can I test different CGM brands?

Yes. Update the sensor price and annual hardware fields for each brand to see how the yearly spend changes.

Does the estimate include insulin or medication costs?

No. It focuses solely on CGM hardware and disposable sensors so you can budget that category independently.

What if my plan covers hardware and sensors differently?

Run the calculator twice — once with the sensor coverage percentage and once with the hardware coverage percentage — then add the two annual totals to reflect mixed reimbursement levels.

Additional Information

  • Monthly cost combines disposable sensors and one-twelfth of your annual hardware replacement budget.
  • Insurance coverage is applied uniformly to both consumables and hardware unless you adjust the inputs manually.
  • HSA/FSA reimbursements are treated as a percentage of what remains after insurance pays its share.
  • Result is displayed in U.S. dollars and reflects 12 months of spend at the usage rate you enter.

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