Medicare SilverSneakers Programs

Health and wellness are important at any stage of life. However, when we age, we notice just how important it is to stay active. SilverSneakers is a program that helps keep seniors active and motivated. This program is a benefit you may even have access to now without knowing.

The SilverSneakers program consists of gym memberships, group fitness classes, and access to well-trained instructors and reputable fitness centers. Many Medicare plans offer these benefits to their policyholders.

If you are a Medicare beneficiary and want access to a local gym or on-demand workouts, the SilverSneakers program might be right for you.

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What is SilverSneakers?

SilverSneakers is a fitness program available to Medicare beneficiaries. The program promotes optimal health and can help create bonds within communities.

Group fitness classes, one-on-one lessons, and local gym memberships are just a fraction of the benefits available for SilverSneakers enrollees. The wellness program is available nationwide and provides members with a network of more than 16,000 fitness centers.

For those who are tech-savvy, the SilverSneakers GO mobile app allows you to receive a digital membership card, as well as workouts on the go. The program aims to help seniors find a healthy, supportive community, both online and in person. A top priority of the SilverSneakers program is to allow seniors to improve their quality of life and enjoy doing it.

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Does Medicare Cover SilverSneakers?

Medicare does not cover the costs of fitness programs and gym memberships. Thus, Original Medicare does not cover the cost of SilverSneakers.

Medicare Advantage plans can offer additional benefits that are not available through Original Medicare. Often, these plans include some type of gym membership or wellness programs.

Medicare Supplement (Medigap) policies usually do not include coverage for gym memberships. However, some carriers offer Medigap plans that do include the SilverSneakers benefit. The availability of these plans also varies by state, so speaking with a licensed agent is the best way to find out if you can enroll in a Medigap policy that includes coverage for a gym membership.

Private companies offer different plan options. Beneficiaries should compare plan rates in their area. Some plans include this benefit at no extra charge while other policies require an additional payment for gym benefits.

SilverSneakers Program Eligibility

If you are a Medicare beneficiary under age 65, you may qualify for a Medicare Advantage plan with SilverSneakers. There is NO age requirement!

The program requires the following:

  • Medicare-eligible
  • Enrollment in a plan that includes a membership
  • If the gym membership costs an extra fee, you must pay the premium.

However, to enroll, a plan must be available in your area. For example, those in Charleston, South Carolina likely have more options than those in more rural areas due to lack of an in-network gym.

Medicare SilverSneakers Program FAQs

Can I join SilverSneakers without insurance?
Unfortunately, you cannot buy SilverSneakers outside of a health plan. The only way to enroll is through a private insurance company with a Medicare Supplement or Medicare Advantage plan.
How old do you have to be to join SilverSneakers?
To enroll in the SilverSneakers program, you must have Medicare. Thus, those under 65 who are Medicare-eligible due to disability may be eligible.
How much does SilverSneakers pay gyms?
SilverSneakers pays fitness centers depending on the number of times a beneficiary visits their gym. However, the reimbursements are no more than $30 per gym member each month.
Does SilverSneakers pay for YMCA membership?
Many times, SilverSneakers does cover gym access at YMCA facilities. However, they may not include all YMCA gyms. There are various gyms in-network with SilverSneakers.

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How to Get a Gym Membership Through SilverSneakers

If access to fitness and gym benefits through the SilverSneakers program is at the top of your Medicare plan Wishlist, our licensed agents will be sure to find the right plan for you. We understand that staying active is an important part of aging and want to ensure our clients are in the best shape of their lives going into retirement.

For a free plan evaluation and comparison, give us a call or complete our online rate comparison form. We’re looking forward to working with you.

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  1. SilverSneakers Questions Answered, SilverSneakers. Accessed March 2022.

Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and 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.

56 thoughts on “Medicare SilverSneakers Programs

  1. I have medicare due to disability, but I am only 50. Would I still be able to get the gym membership?

    1. Hi CD! Hi Rhonda! As long as you have a Medicare Supplement or Medicare Advantage plan that includes SilverSneakers, you can use those benefits even if you’re under 50.


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