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Can I Get a Medicare Plan That Covers a Health Club Membership?

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Summary: Many Medicare Advantage plans include SilverSneakers, which is gym memberships and fitness benefits for adults 65+. SilverSneakers promotes a healthy lifestyle through physical fitness.

Exercise has many health benefits, according to the National Institute of Health. If a gym membership helps you stay active, it may also help you improve diseases like diabetes, heart disease, and osteoporosis. Gym memberships and physical activity may also reduce feelings of depression and improve mood and overall well-being.

Original Medicare, Part A and Part B, does not cover any of the costs associated with gym memberships or fitness programs. However, there are other Medicare plan options that may cover the cost of a gym membership.

Medicare Advantage plans must offer at least the same amount of coverage as Original Medicare (besides hospice care, which is still covered under Medicare Part A), and may also offer additional benefits. These extra benefits could include gym membership. If you sign up for a Medicare Advantage plan, you’re still in the Medicare program and need to continue paying your Medicare Part B premium, as well as any premium the Medicare Advantage plan may charge.

Is it hard to find a SilverSneakers location?

SilverSneakers is the name of the health and fitness program designed for adults 65 and older. It may include gym membership and is part of many Medicare Advantage plans. SilverSneakers has over 16,000 fitness locations, including gyms and community centers. That means that there are more participating SilverSneakers locations than there are Starbucks! (If you want a treat after your workout, there are 14,300 Starbucks in the US, according to the Wall Street Journal.)

Does Medicare Supplement include SilverSneakers?

Unlike Medicare Advantage plans, Medicare Supplement insurance plans do not typically include gym memberships. Medicare Supplement insurance plans may cover most of your Medicare Part A and Part B coinsurance and copayments, as well foreign travel emergencies.

Because these Medicare plan options are offered through private, Medicare-approved insurance companies, their availability and benefits may differ by location. You may want to compare plans to see if one in your area offers coverage for health club membership costs.

Just by entering your zip code in the form on this page, you can start comparing Medicare plans in your area instantly.

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