Does Medicare cover Jardiance in Florida?

What Jardiance is used for

Jardiance is an SGLT2 inhibitor tablet. Its FDA label covers lowering blood sugar in type 2 diabetes (with diet and exercise), reducing the risk of cardiovascular death in adults with type 2 diabetes and heart disease, reducing the risk of cardiovascular death and hospitalization in adults with heart failure, and slowing kidney decline in adults with chronic kidney disease at risk of progression.

This page explains Medicare coverage only. Questions about whether Jardiance is right for you belong with your prescriber.

Which part of Medicare covers Jardiance

Jardiance is a daily pill, so it's a Part D drug. Part D covers drugs for medically accepted uses, and Jardiance's heart and kidney uses are on its FDA label, so you don't need to have diabetes for a plan to cover it. A plan may still ask your prescriber to confirm the diagnosis through prior authorization.

Is Jardiance on Medicare's negotiated-price list?

CMS selected Jardiance in the first round of the Medicare Drug Price Negotiation Program. Its negotiated price (the "maximum fair price") took effect January 1, 2026, and Jardiance is still on CMS's selected drug list for 2027. A negotiated price is what Medicare drug plans and pharmacies pay; it isn't your copay. What you pay still depends on your plan's cost sharing.

One drug, three conditions

Many people with Medicare take Jardiance for more than one reason, for example diabetes and heart failure. Formularies list drugs, not conditions, so coverage is the same whichever condition it treats, but the rules attached to it (prior authorization or step therapy) can differ. If your plan asks you to try another diabetes drug first and you take Jardiance for heart failure, your prescriber can explain that in an exception request.

What you pay for Jardiance in 2027: the out-of-pocket cap

Your cost for Jardiance depends on your plan: its deductible, the tier it puts the drug on, and whether you use a preferred pharmacy. This site doesn't list plan costs; your plan's formulary and Evidence of Coverage do. What Medicare sets for everyone with Part D is the limit:

• 2027 out-of-pocket cap: $2,400 (it was $2,100 in 2026). Once what you pay for covered Part D drugs (deductible, copays and coinsurance) reaches the cap, you pay nothing more for covered Part D drugs for the rest of 2027.
• The maximum Part D deductible for 2027 is $700. No plan can set a higher deductible, and some have none.
• Only covered drugs count. If your plan doesn't cover Jardiance and you pay cash, or you use a discount card instead of your plan, that spending doesn't count toward the cap.

Spreading the cost: the Medicare Prescription Payment Plan

Every Part D plan and Medicare Advantage plan with drug coverage offers the Medicare Prescription Payment Plan. Instead of paying the pharmacy, you get a monthly bill from your plan that spreads your costs across the calendar year. Medicare.gov says it costs nothing to participate, but it doesn't lower your drug costs; it only changes when you pay. It helps most when costs are high early in the year. To join, call your plan or use its website. More in What is the Medicare Prescription Payment Plan?

Extra Help with Jardiance

Extra Help (the Low-Income Subsidy) is a federal program that lowers Part D premiums, deductibles and copays. For 2027, CMS caps Extra Help copays for covered drugs at $5.80 for a generic and $14.40 for a brand-name drug, and some people with full Medicaid pay less. You get Extra Help automatically if you have full Florida Medicaid, SSI or a Medicare Savings Program (QMB, SLMB or QI-1, which you apply for through ACCESS Florida). Otherwise, apply through Social Security at ssa.gov/extrahelp or 1-800-772-1213 (TTY 1-800-325-0778). See Extra Help in Florida and Medicare Savings Programs in Florida.

Getting Jardiance covered in Florida

Florida is its own Part D region (PDP Region 11), so each standalone Part D plan sold here is offered in all 67 counties. For 2027, CMS lists 11 standalone Part D plans from 6 companies in Florida. Medicare Advantage choices depend on your county, from 7 plans in Monroe County to 52 in Hillsborough County, and most include drug coverage. Each plan has its own formulary, so one plan's coverage of Jardiance tells you nothing about another's. Your county's numbers are on Florida counties.

• Full Florida Medicaid and Medicare: your prescriptions are paid by your Medicare drug coverage, not by Florida Medicaid, and Extra Help is automatic. Most people with full Medicaid, including those who also have Medicare, get their Medicaid services through a Statewide Medicaid Managed Care (SMMC) plan; that plan doesn't replace your Medicare drug coverage. See Florida Medicaid and Medicare.
• Florida state retirees: if you keep a State Group Insurance health plan as secondary coverage to Medicare, it includes prescription drug coverage that the State says Medicare approves as creditable, so you don't need a separate Part D plan. In one of the State's group Medicare Advantage (MA-PD) plans, your Jardiance coverage comes from that plan's formulary. Ask People First before you join any outside Medicare plan. See Florida state retirees and Medicare.
• Snowbirds: a Florida Part D plan's service area is Florida. Ask your plan whether its pharmacy network includes pharmacies where you spend the rest of the year, or whether it offers mail order. A Part D plan must disenroll you if you're away from its service area for more than 12 months in a row. See prescriptions for snowbirds.
• Hurricanes: Florida law (s. 252.358) requires state-licensed insurers and HMOs to allow early refills when your county is under a hurricane warning or a state of emergency. Medicare drug plans follow federal rules: CMS expects them to allow early refills after a federal disaster declaration, and Medicare.gov says to contact your plan to replace drugs lost or damaged in a disaster, or to fill at an out-of-network pharmacy when you can't reach an in-network one. See early prescription refills before a hurricane.
• If your Medicare Advantage plan ends in 2027: your plan sends a non-renewal letter, and you have a special enrollment period through February 28, 2027. To keep Jardiance covered without a gap, choose new drug coverage by December 31, 2026. See plans ending in 2027.

Florida doesn't have a state drug-assistance program for seniors; Extra Help is the main help with Part D costs. See Does Florida have a state drug assistance program for seniors?

How to check whether a plan covers Jardiance

1. Write down the exact drug. Name, strength and how often you take it. A plan can cover one form or strength of Jardiance and not another.
2. Look it up in each plan's formulary. Enter your drugs and ZIP code on PlanMatch or Medicare.gov's Plan Finder to see which plans list Jardiance and any rules.
3. Read the rules next to the drug. Prior authorization, step therapy or quantity limits mean your prescriber may need to send the plan information before it pays.
4. Check your 2027 notice. Your plan's Annual Notice of Change says whether Jardiance stays on the formulary next year. Open Enrollment runs October 15 to December 7, 2026, for coverage starting January 1, 2027.
5. Get help if you want it. You can request a call from a licensed insurance agent, who can compare plans from the companies they work with, or call 1-800-MEDICARE (1-800-633-4227, TTY 1-877-486-2048) for information on all of your options.

If your plan doesn't cover Jardiance, you or your prescriber can ask for a coverage determination or a formulary exception. Once the plan has your prescriber's supporting statement, it generally must decide within 72 hours, or 24 hours if your prescriber says waiting could seriously harm your health. New members can usually get a one-time transition supply of a drug they were already taking while they ask for an exception or switch. See Medicare appeals in Florida.

Sources

• National Library of Medicine — DailyMed: Jardiance prescribing information (FDA label)
• Medicare.gov — Drug coverage (Part D)
• CMS — Selected drugs and negotiated prices (including drugs with deselection determinations)
• eCFR — 42 CFR 423.120 (formularies and transition fills)
• CMS — CY 2027 Rate Announcement (2027 Part D out-of-pocket threshold and Extra Help copays)
• Medicare.gov — Medicare Prescription Payment Plan
• Social Security — Extra Help with Medicare prescription drug plan costs
• CMS — Medicare Advantage and Part D Landscape files, 2027 (PDP Region 11: Florida)
• CMS — Replacing Durable Medical Equipment and Prescription Drugs after a Disaster
• Medicare.gov — Getting drugs in a disaster or emergency
• CMS — Pharmacy access during a federal disaster declaration: questions and answers for Part D plan sponsors
• Florida Statutes — s. 252.358, emergency prescription refills
• Florida Agency for Health Care Administration — Statewide Medicaid Managed Care
• Florida Division of State Group Insurance — Frequently asked questions for retirees (Part D and creditable coverage)
• eCFR — 42 CFR 423.44 (Part D disenrollment after 12 months out of the service area)

Frequently asked questions

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