Insulin can be covered under both Medicare Part B and Part D, depending on the circumstances.
Medicare Part B Coverage for Insulin
According to Medicare.gov, Part B (Medical Insurance) covers insulin when it is used with an insulin pump that qualifies as durable medical equipment under Part B.
- This means that if your insulin is delivered via a covered insulin pump, Part B will be responsible for covering the cost of the insulin.
Medicare Part D Coverage for Insulin
Generally, if you don't use an insulin pump covered by Part B, your insulin would be covered under Part D (Prescription Drug Coverage).
- This means that most people who take insulin will be getting it through their Part D prescription plan.
- Part D plans have their own cost-sharing rules, which can affect how much you pay for insulin.
Key Differences
| Coverage | When Insulin is Covered |
|---|---|
| Part B | When used with a covered insulin pump |
| Part D | Generally for all other insulin needs |
In Summary
The answer to whether insulin is part B or D depends on how you administer it. If you are using a covered insulin pump, it falls under Part B. Otherwise, it is typically covered under Part D.
