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The rules say that plans must pay for a medical service or item if regular Medicare would pay for it in this case. 
You can find this rule at 42 Code of Federal Regulations (CFR) Section 422.101. 
 
The rules say that CGM devices covered by Medicare under the DME benefit are defined in CMS Ruling 
1682R as therapeutic CGMs. Refer to the Non-Medical Necessity Coverage and Payment Rules in the LCD-
related Policy Article for additional information. Therapeutic CGMs and related supplies are covered by 
Medicare when all of the following coverage criteria (1-6) are met: 1. The beneficiary has diabetes mellitus 
(Refer to the ICD-10 code list in the LCD-related Policy Article for applicable diagnoses); and, 2. The 
beneficiary has been using a BGM and performing frequent (four or more times a day) testing; and, 3. The 
beneficiary is insulin-treated with multiple (three or more) daily injections of insulin or a Medicare-covered 
continuous subcutaneous insulin infusion (CSII) pump; and, 4. The beneficiary's insulin treatment regimen 
requires frequent adjustment by the beneficiary on the basis of BGM or CGM testing results; and, 5. Within six 
(6) months prior to ordering the CGM, the treating practitioner has an in-person visit with the beneficiary to 
evaluate their diabetes control and determined that criteria (1-4) above are met; and, 6. Every six (6) months 
following the initial prescription of the CGM, the treating practitioner has an in-person visit with the 
beneficiary to assess adherence to their CGM regimen and diabetes treatment plan. You can find this rule in 
Local Coverage Determination (LCD): Glucose Monitors (L33822) - Effective January 1, 2020. The rules say 
that continuous glucose monitors (CGMs) are class III medical devices, and require premarket approval by the 
Food and Drug Administration (FDA). For the purpose of this Ruling, all CGMs that are approved by the FDA 
for use as adjunctive devices to complement, not replace, information obtained from blood glucose monitors in 
making diabetes treatment decisions are referred to as "non-therapeutic" CGMs. According to the FDA 
approval letter for the therapeutic CGM: the indications for use of the product have been expanded to include 
replacement of blood glucose monitors for diabetes treatment decisions; the device is indicated as a glucose 
monitoring system for the management of diabetes in persons age 2 years and older; interpretation of the results 
of the device should be based on the glucose trends and several sequential readings over time; the product also 
aids in the detection of episodes of hyperglycemia and hypoglycemia, facilitating both acute and long-term 
therapy adjustments; and the device is intended for single patient use and requires a prescription. The 
therapeutic CGM must be calibrated twice a day using a blood glucose monitor. Based on this information, the 
therapeutic CGM is designed and approved to replace a blood glucose monitor currently classified as DME 
under the Medicare program, but the device must be calibrated twice a day using a blood glucose monitor. You 
can find this rule in CMS Ruling 1682R. 
 
If you want to read these Medicare rules, you can go to this website www.medicareappeal.com. 
 
The Plan contract says that the Plan covers items and services in accordance with Medicare rules.