SilverSneakers is a program help keep seniors healthy and fit. You may be familiar with the term or aware of similar programs.
The SilverSneakers program consists of gym memberships, group fitness classes, and access to well-trained instructors and reputable fitness centers. Many plans offer fitness benefits to their members.
Do you want access to a local gym or on-demand workouts? Are you Medicare-eligible? Below we will discuss the many possibilities, including cost, plans, and companies.
Keep reading to learn more!
What is SilverSneakers
SilverSneakers is a fitness program for Medicare beneficiaries. The program promotes optimal health and can help create bonds within the community.
Group fitness classes go hand in hand with SilverSneakers and offer training classes from instructors. The program is nationwide and available through more than 16,000 fitness centers.
Further, you have access to on-demand workout videos and classes. You can download the SilverSneakers GO app to get a digital membership card as well as workouts on the go.
The program aims to help seniors find a healthy, supportive community, online and in-person. Over 85% of members say the program is improving their quality of Life.
If you’re a beneficiary under 65, you may be eligible if you qualify for Medicare. There is NO age requirement!
The program requires the following:
- Enrollment in a plan that includes a membership
- If the gym membership costs an extra fee, you must pay the premium
However, a plan must be available in your area. Some areas have a limiting number of options. While the program is helpful, it’s not suitable for everyone.
If the company you want doesn’t offer the program, call one us at the number above to find a solution.
Does Medicare Pay for SilverSneakers
Parts A and B don’t cover fitness benefits; the program is unavailable for al-a-cart purchases outside of insurance. However, Advantage plans may pay for the program.
Some companies look at the benefit as a way to reduce future claim costs; healthier clients have fewer hospital visits and are less likely to have chronic illnesses.
Although, some companies in certain areas DO charge an extra fee for gym benefits. It really depends on your service area.
Which Medicare Advantage Plans Have SilverSneakers
Many Advantage plans provide gym benefits to their members. Although not every plan or service area offers this benefit.
Some of the major carriers that provide SilverSneakers are:
Our agents can help you to identify coverage and find affordable gym options.
Part D Plans with SilverSneakers
Prescription drug plans don’t provide gym benefits. However, there are Advantage plans that offer Part D and may cover the fitness program.
Does TRICARE for Life Cover SilverSneakers
TRICARE For Life doesn’t provide SilverSneakers coverage. However, enrolling in an Advantage plan could provide you with extra benefits.
If there is an Advantage plan with fitness benefits in your area, enrolling will give you access. However, you must review your benefits before joining.
Choosing an Advantage plan could limit you to a network of doctors smaller than the TRICARE network.
VA Benefits SilverSneakers
Veterans Affairs may offer the program in specific locations, but it’s best to check with your local VA office to obtain an up-to-date list of local gyms that offer classes.
There are some Supplement and Advantage plans geared towards veterans that may include benefits. You can use the Advantage plan to cover dental, vision, fitness, and more.
Then, if using the VA doctors is your preference, you’re more than welcome to do that. Although, you’ll have access to doctors under the Advantage program as well.
Silver and Fit vs. SilverSneakers
Silver and Fit and SilverSneakers are similar in the fact that they’re both fitness programs through Medicare, but they’re not the same plan. These are different companies that provide comparable benefits.
Both companies offer fitness opportunities and group fitness classes. The programs are attainable with Supplement and Advantage plans.
Check location listings in your area to make sure that a program IS near you. Those without a local gym can choose Silver and Fit, which provides a home fitness kit.
Further, some companies offer Active and Fit benefits. Discuss your options with an agent today!
Insurance Companies That Offer Senior Fitness Benefits
While some companies are more notorious for offering fitness benefits, our agents can usually find solutions to any preference.
Many of Cigna’s Advantage plans may provide access to SilverSneakers. Some areas are offering Silver and Fit.
Each service area, plan type, and contract varies. Be sure to contact your policy to ensure your policy covers the fitness classes.
Humana Gym Benefits
Most Humana plans offer SilverSneakers coverage at no further cost. Humana is a company all about health and wellness; they believe exercise is for everyone.
However, it’s a good idea to check with your plan to make sure your coverage does include it.
Mutual of Omaha Senior Fitness Benefits
In October, Mutual of Omaha began a wellness initiative with the Tivity Health’s Prime Fitness network of over 10,000 workout locations. With the help of a mobile app, customers have access to many resources.
Further, the wellness program includes complementary and alternative medicine services like chiropractic, acupuncture, massage therapy, and more. The program has a discount network with over 20,000 doctors.
Our agents can help you find access to senior fitness care when you have a policy through us. Give an agent a call today to find out what’s available in your service area.
Aetna Senior Gym Membership Options
Many Aetna plans offer the SilverSneakers fitness program. Connect with your Aetna policy to determine if your coverage includes these favored fitness benefits.
You don’t need your doctor to sign off before you enroll; but, discussing a new program with your doctor is always the recommendation.
How Much Does SilverSneakers Cost?
SilverSneakers comes at no cost to you most of the time. If there is a premium, you must pay the monthly fee, and it’s an extra charge above the Part B premium.
How Old Do You Have to Be to Join SilverSneakers?
To enroll in the SilverSneakers program, you must have Medicare; those under 65 with disabilities may be eligible.
What Gyms Accept SilverSneakers?
There are thousands of participating gyms throughout the U.S. Have a local YMCA nearby that you love?
Great news – they allow SilverSneakers! Do you prefer going to LA Fitness? Fantastic – you have access!
Some of the largest fitness chains throughout the country offer access to SilverSneakers members. From Planet Fitness to Anytime Fitness, and so many in between!
If you’d like to find a program near you, you can visit their website and search your zipcode or contact your Medicare Advantage or Supplement provider for more information.
How Much Does SilverSneakers Pay Gyms?
The program pays fitness centers depending on the number of times a person visits their gym. However, the reimbursements are no more than $30 per gym member every month.
Choosing to add a Supplement can provide you with access to a fitness program. You deserve the best rate on the coverage you want.
There are many benefits to working out and living a healthy lifestyle. Whether you want to meet fitness goals or join in classes, SilverSneakers is the way to go.
Here at MedicareFAQ, we can help you choose the best plan for you. We can find the best policies and rates in your area.
Call our team today for an instant quote! Not ready to call us? Fill out an online rate comparison form and get one step closer to the best policy for you!