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How to Enroll in a Medicare Gym Membership


There are ways to cover gym memberships under your Medicare coverage, but it will depend on the extra coverage you choose. Seniors looking to hit the gym must understand their coverage to take advantage of Medicare gym membership benefits.

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Does Medicare Cover Gym Membership?

Your Medicare gym membership may be available through your Medicare Advantage or – less commonly – Medicare Supplement (Medigap) plan.

If you have Original Medicare (Part A and Part B), however, you will need to be sure that your Medigap coverage includes fitness plans or your gym membership. Otherwise, you’ll need to purchase coverage from an Medicare Advantage plan with such coverage.

While all Medigap plans, such as Medigap Plan F, will provide the same level of benefits because of standardization, extra benefits, including gym memberships may vary.

Does Medicare Part B Pay for Gym Memberships?

Your Medicare Part B coverage does not include gym memberships. Medicare Part B helps you cover medical costs associated with things such as outpatient care, visitors to your doctor, and medical supplies.

Seniors with Medicare Part A and Part B can enroll in a Medicare Advantage plan and find an option with a gym membership.

If you’re looking for a Medicare gym membership, we can help you find the appropriate plan options that fit your needs while covering the preventive care you deserve.

Which Medicare Supplement Plans Include Gym Membership?

Unfortunately, Medicare Supplement plans do not usually include coverage for a gym membership.

Though the specifics vary from plan to plan, Medigap plans may provide a gym membership, but it’s outside the norm.

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If you are looking for a Medicare gym membership, your best bet is to enroll in Medicare Advantage, also known as Medicare Part C.

Private insurance companies provide both Medigap plans and Medicare Advantage plans. Each will provide its own benefits and coverage depending on what the insurance company chooses to include.

Medicare Advantage plan benefits change from ZIP Code to ZIP Code; Medicare Supplement plans are standardized across the United States.

Some plans offer free Medicare gym memberships, while others may provide a discounted rate for your membership.

Medigap plans help supplement Original Medicare but coverage benefits beyond the standard Medicare inpatient and outpatient coverage primarily comes with Medicare Advantage plans.

The best way to determine whether a Medicare plan provides a gym membership is to go through each individual plan.

The process can be time-consuming, but don’t worry; we can help. If you’re looking for the right Medicare plans for your needs, including those covering gym memberships, give us a call to find the right coverage and save time while doing it.

Does Medicare Advantage Cover Gym Membership?

Depending on your plan, a Medicare Advantage gym membership may be included in your coverage.

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Private companies approved by Medicare provide Medicare Advantage plans. These companies understand the value of preventive care and provide many benefits, including a Medicare gym membership, to improve the health of seniors.

America is expecting around 25% of its 65 and older population to focus more on preventive care.

A gym membership while on Medicare is a great way to stay in shape, but you must have a Medicare Advantage plan with these benefits – or one of the few Medicare Supplement plans that also come with such coverage. Otherwise, you’ll need to pay for your membership out of pocket or through other means.

Does Medicare Cover YMCA Membership?

Medicare fitness programs such as membership to a YMCA aren’t covered unless you have a Medicare Advantage plan offering such coverage.

This is similar to how to receive a Medicare gym membership. You’ll need coverage from Medicare Advantage for it to be included.

Does Social Security Pay for Gym Membership?

While Social Security and Medicare are benefits connected in some ways, your Social Security deposits focus on the financial aspect of things, while Medicare helps seniors with healthcare.

You can spend your Social Security income on a gym membership, but a Medicare gym membership is available with the right plans.

Though premiums are attached to most Medicare plans, you can use a Medigap or Medicare Advantage plan offering fitness programs to pay for your gym membership.

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The Importance of Fitness Programs for Seniors

Each year, there are 36 million falls among older adults in the United States, accounting for 3 million seniors in need of emergency room care and over 32,000 deaths.

Exercise at any age is important, but as you get older, it can help you maintain your independence and avoid unwanted medical costs.

Staying active can help you reduce stress, improve your health, and strengthen your body, helping you reduce your risk of falling. Here are some common benefits:

  • Stronger bones as working out can fight against bone loss
  • Reducing your risk for chronic diseases such as cancer, obesity, diabetes, etc.
  • Mitigate pain caused by osteoarthritis
  • Improvements in both immunity and your mood for improved physical and mental health

Gyms offer a wide range of exercise types, with many offering specific workout opportunities that are low-impact yet physically challenging and designed for seniors.

A gym membership with Medicare provides plenty of benefits that positively impact your health and improve your standard of living.

How Do I Get a Free Gym Membership with Medicare?

If you have Medicare Advantage (Part C) plan, you may be able to enjoy fitness and wellness programs such as SilverSneakers, Cigna Active and Fit, or a gym membership from your local gym.

A so-called free gym membership for Medicare will still cost you money through premiums as you’ll need to pay for the different Medicare parts you use.

But with so many options, how do you know which plan is right for you? We are here to help.

Here at MedicareFAQ, we thrive on helping seniors find the right level of coverage for their needs.

We have been offering a wide range of Medicare coverage options since 2014 that provide our clients with affordable healthcare coverage focused on their needs.

Our agents are here to help you receive the right coverage for everything, including hospital visits, drug plans, and preventive care options such as Medicare free gym membership opportunities.

By calling the number above, you can learn more about MA plans and how to receive your Medicare gym membership. You can also complete our online rate form to learn more about your Medicare coverage options today!

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Sources:

MedicareFAQ is dedicated to providing you with authentic and trustworthy Medicare information. We have strict sourcing guidelines and work diligently to serve our readers with accurate and up-to-date content.

  1. Older Adults - Healthy People 2030. U.S. Department of Health and Human Services.. Accessed October 2022.
    https://health.gov/healthypeople/objectives-and-data/browse-objectives/older-adults

Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and MedicareFAQ.com. Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

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