SilverSneakers is a program that helps keep seniors active and fit. You may have access to gym benefits now, and not know it.
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.
Does Medicare Cover Gym Memberships?
Medicare doesn’t cover the costs of fitness programs and gym memberships, although some Advantage plans include a gym membership.
Advantage plans can offer extra benefits that aren’t available through Medicare. People that sign up for an Advantage plan must pay the Part B premium and any plan costs.
Medicare Supplement (Medigap) policies usually don’t include coverage for gym memberships. However, some carriers offer Medigap plans that do include this feature. 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.
What is SilverSneakers?
SilverSneakers is a fitness program for 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.
Some plans include this benefit at no extra charge, and some policies require an additional payment for gym benefits.
Who is Eligible for SilverSneakers?
If you’re a beneficiary under 65, you may qualify for an Advantage plan with SilverSneakers. 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.
But, a plan must be available in your area. Some areas have a few options. While the program is helpful, it’s not suitable for everyone.
For example, those in Charleston, South Carolina might have more options than those in more rural areas.
If the company you want doesn’t offer the program, call one us at the number above to find a solution.
Part D Plans with SilverSneakers
Prescription drug plans don’t provide gym benefits. But, 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. But, 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. You must review your benefits before joining.
Choosing an Advantage plan could limit you to a network of doctors smaller than the TRICARE network.
Veterans Benefits and 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.
You can use the Advantage plan to cover dental, vision, and fitness. Or, find a supplement that has an option to add Active and Fit benefits.
Silver Sneakers vs. Active and Fit Direct Program
When it comes to fitness programs, beneficiaries have plenty of options. SilverSneakers and Active & Fit Direct are both fitness programs that accommodate seniors.
The SilverSneakers program allows beneficiaries to have free access to gyms nationwide.
Members may have access to full use of gym equipment and benefits, including weights, cardio machines, saunas, pools, and hot tubs.
SilverSneakers offers fitness classes such as yoga, cardio-fit, circuit training, and water aerobics.
The Active and Fit program allows members to choose from over 9,000 facilities across the nation.
The program offers an online directory map and locator for fitness facilities. Also, you can switch fitness centers to make sure you find the right fit.
The Active&Fit Direct Program also offers online wellness tracking, which comes from a variety of wearable fitness devices. However, the program is only for individual or employer group members.
Active&Fit Direct continues to expand its growing network to meet the client’s needs. This year there was an addition over 1200 facilities, including large chains, independent and local gyms.
Members can search the online directory for some of the nation’s finest fitness centers in their area.
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.
What Medicare Supplement companies offer the Active and Fit Direct Program?
The American Specialty Health Incorporated’s (ASH) new fitness program has millions of members. The Active and Fit Direct Program has been the market a couple of years, and it’s become the country’s most notable commercial fitness program.
Further, many companies offer programs like Active & Fit. Aetna members may have access to these programs, although supplement insurance may vary.
Learn if your Supplement company offers the Active & Fit Direct Program by contacting your agent.
Which Medicare Advantage Plans Have SilverSneakers?
While some companies are more notorious for offering fitness benefits, our agents can usually find solutions to any preference.
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.
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.
Humana Gym Benefits
Most Humana Advantage options 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.
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.
Mutual of Omaha Senior Fitness Benefits
Recently, Mutual of Omaha Medicare Advantage plans 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.
Get a Medicare Gym Membership Today!
Medicare isn’t free, so having additional coverage is beneficial. Some plans include gym memberships.
Our agents can help you find a Medicare Supplement with access to a fitness program. You deserve the best rate on the coverage you want.
There are benefits to working out and living a healthy lifestyle. Here at MedicareFAQ, we can help you choose the best plan for you.
Call our team today for a quote! Not ready to call? Fill out an online rate comparison form and get one step closer to the best policy for you!