Original Medicare (Parts A and B) does not cover gym memberships or fitness programs. These are considered non-medical benefits that fall outside Original Medicare's scope. If a gym membership is important to you, your best option is a Medicare Advantage plan that includes a fitness benefit.
Which Plans Include Gym Benefits?
Many Medicare Advantage plans offer fitness benefits as a supplemental perk. The three most common programs are:
| Program | What It Includes |
|---|---|
SilverSneakers | Access to 15,000+ gym locations nationwide, on-demand fitness videos, and online classes |
Silver&Fit | Gym access, fitness kits for home workouts, and online health programs |
Renew Active (UnitedHealthcare) | Gym membership, brain health program (AARP Staying Sharp), and fitness tracking |
How to Find Out If Your Plan Includes a Gym Benefit
Check your plan's Summary of Benefits or call the number on your member ID card. You can also visit the SilverSneakers eligibility checker at silversneakers.com to see if your plan qualifies.
What About Medigap Plans?
Standard Medicare Supplement (Medigap) plans do not include gym benefits. However, some Medigap carriers offer fitness perks as a value-added extra outside of the standardized plan benefits. These vary by insurer and are not guaranteed.
Need Help Understanding Your Medicare Options?
Our licensed Medicare experts can help you find the right coverage for your needs.