Are you looking for a senior fitness program? If you have a Medicare Advantage plan or a Medigap policy, your health insurance may include a free fitness membership for adults 65+ called SilverSneakers. This includes some Special Needs Plans, as well.
A SilverSneakers membership includes access to roughly 14,000 recreation centers, churches, senior communities, and other neighborhood locations across the nation. You’ll get access to fitness equipment, social events, a variety of exercise classes, including boot camp, circuit training, strength and balance, tai chi, yoga, water aerobics, and Zumba, plus access to amenities like swimming pools, tennis courts, and walking tracks if available at certain locations. Sounds pretty good, right? Here’s what else you may want to know about the program.
Does Original Medicare & Silver Sneakers
Original Medicare, Part A and Part B, does not cover this benefit. In other words, there isn’t a Medicare Silver Sneakers benefit.
If you’re considering a Medicare plan with SilverSneakers coverage, including Medicare Advantage (Part C) or Medicare Supplement (Medigap) plans, contact a Medicare.org licensed sales agent at 1-877-388-0596 – TTY 711 for a quote.
What SilverSneakers Covers
SilverSneakers gives seniors access to thousands of gyms, fitness centers, and community programs nationwide. In addition to standard exercise equipment, participating locations may offer group classes such as yoga, tai chi, water aerobics, and balance training. Some locations even provide social activities, walking clubs, and health education programs. Amenities vary by location, but may include pools, indoor tracks, tennis courts, or wellness coaching at no additional cost to members.
Who Qualifies for SilverSneakers
Eligibility depends on your Medicare coverage. Most Medicare Advantage plans include SilverSneakers as a free benefit. Some Medigap (Medicare Supplement) policies also provide access, although Original Medicare Parts A and B do not. Special Needs Plans (SNPs) may also offer SilverSneakers. To confirm your eligibility, check your plan documents or call your insurer.
Alternatives to SilverSneakers
Not every insurer participates in SilverSneakers. Other programs such as Renew Active, Silver&Fit, or Golden Sneakers may be offered by certain insurers as an alternative. These programs also provide access to fitness centers, classes, and online resources for older adults. If your plan doesn’t include any of these programs, check directly with local gyms and community centers—many offer senior discounts or special memberships.
What does the SilverSneakers program cost?
With a qualifying health insurance plan, a SilverSneakers membership is free. However, any services not included in a basic membership may require additional fees such as personal training, tanning, or a massage.
How do I join SilverSneakers?
SilverSneakers comes automatically with qualifying Medicare health insurance plans. Eligible Medicare beneficiaries 65 years of age and older just need to get a SilverSneakers membership card to show at participating fitness locations. Contact your health insurance plan to find out if SilverSneakers is covered, or visit the SilverSneakers website to check your eligibility online. If you’re eligible, then you can fill out the SilverSneakers form online to get and print your membership ID card to bring to participating locations.
How do I find out which gyms and fitness locations participate in SilverSneakers in my area?
Go to SilverSneakers.com and click on “Find Fitness Locations” to search for a gym near you.
Can I join SilverSneakers if my health insurance plan doesn’t provide it?
SilverSneakers is only available to individuals with qualifying health insurance plans. However, if your insurance plan does not cover SilverSneakers, you can still join a gym! Contact the recreational centers and gyms in your area to learn about special pricing for seniors.
Frequently Asked Questions
Is SilverSneakers free with Medicare Advantage?
Yes. Many Medicare Advantage plans include SilverSneakers at no additional cost as part of plan benefits.
Does Planet Fitness accept SilverSneakers?
Yes. Many Planet Fitness locations participate in SilverSneakers, but availability varies by location and plan.
Does YMCA honor SilverSneakers?
Yes. Many YMCA gyms accept SilverSneakers membership cards for access to classes and equipment.
How much is SilverSneakers per month?
If you have a qualifying Medicare Advantage or Medigap plan, SilverSneakers is included at no additional cost. Without coverage, you may need to pay directly at the gym.
What is the Golden Sneakers program?
Golden Sneakers is a regional senior fitness program similar to SilverSneakers, offered by some insurers as an alternative benefit.
Does Original Medicare cover SilverSneakers?
No. Original Medicare Parts A and B do not cover SilverSneakers. You’ll need a Medicare Advantage plan or a Medigap policy that includes it.
Popular Plans Offering Silver Sneakers
The following is a short list of popular plans (by enrollments) that offer SilverSneakers.