Continuous Glucose Monitor Supply Budget Planner

Blend list pricing, plan coverage, assistance programs, and optional transmitter or subscription costs to build a realistic monthly and annual budget for continuous glucose monitor supplies.

Retail price for a single CGM sensor kit before insurance (check pharmacy or DME invoice).
Percent of the sensor price your plan pays after deductible or prior authorization.
Total number of sensors you replace in an average month based on wear length (e.g., 2 for 14-day sensors).
Monthly coupon, copay card, or manufacturer assistance applied to your share after insurance pays.
Defaults to $0.00. Enter the cost of a transmitter upgrade or receiver every three months.
Defaults to $0.00. Include app analytics, remote monitoring, or coaching subscriptions tied to CGM use.

Out-of-pocket estimates vary with insurance rules, pharmacy pricing, and program eligibility. Confirm coverage and refill schedules with your insurer and device supplier before ordering.

Examples

  • Example 1 — $350.00 sensor price, 80% coverage, 3 sensors per month, $75.00 copay aid ⇒ Estimated out-of-pocket per month: $135.00 USD • Estimated annual cost: $1,620.00 USD • Insurance savings per year: $10,080.00 USD • Monthly CGM supplies before aid: $210.00 USD
  • Example 2 — $289.00 sensor price, 60% coverage, 2 sensors monthly, $0.00 copay aid, $225.00 transmitter quarterly, $25.00 subscription ⇒ Estimated out-of-pocket per month: $331.20 USD • Estimated annual cost: $3,974.40 USD • Insurance savings per year: $4,161.60 USD • Monthly CGM supplies before aid: $231.20 USD

FAQ

How do I account for high-deductible months?

Increase the sensor list price or temporarily reduce the coverage percentage to reflect months before your deductible resets, then rerun the scenario for post-deductible costs.

Can I include disposable applicators or adhesives?

Add their monthly cost to the subscription field or raise the sensor list price to capture extra disposables bundled with each sensor change.

What if my copay card has a maximum?

Enter the actual monthly credit you receive after any program caps so the calculator reflects the net assistance you can depend on.

Does the tool handle different wear lengths?

Yes. Adjust the sensors per month input to match how many sensors you use based on their wear duration—longer wear periods simply lower the monthly quantity.

How do I factor in HSA or FSA reimbursements?

Treat HSA or FSA reimbursements as additional copay support or subtract them from the monthly total when you budget your out-of-pocket cash flow.

Additional Information

  • Insurance savings equals the covered portion of each sensor multiplied across a full year of replacements.
  • Monthly transmitter cost spreads the quarterly replacement expense evenly over three months.
  • Copay support reduces only your share of the sensor cost and will not drop the bill below zero.
  • Subscription fees add recurring platform or coaching charges tied to CGM use, such as Dexcom Clarity or remote monitoring services.
  • Annual cost multiplies the modeled monthly budget by 12 to highlight cash needs for the full year.
  • Results assume sensors are replaced on schedule; adjust the sensors per month input if you occasionally extend wear beyond the stated duration.

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