Which Medicare Supplement Plans Include Gym Membership?
If you’re an active senior, you probably go to the gym a few times a week to keep yourself in shape and for cardiovascular and muscular benefits. Active seniors and retirees don’t usually experience the same level of health complications as inactive people as they age.
As someone over the age of 65, you probably also have Medicare Parts A & B to assist you with paying for your annual healthcare expenses. If you’re smart, you might even have a Medigap supplemental insurance policy to help you remove the remaining costs associated with your healthcare.
If you don’t, and you’re considering one, we have good news for you. Some Medigap insurers offer you access to the SilverSneakers gym program when registering for a plan.
SilverSneakers is an additional benefit offered by select insurers. It provides a discounted rate to a participating gym, lowering your annual healthcare costs. Now you can enjoy your training, knowing you’re getting the best value for money with your healthcare and gym membership.
Which Medicare supplement plans include gum membership like SilverSneakers? Let’s explore your options to give you a chance to save on your annual gym membership costs.
Call Us for Advice on SilverSneakers & Medigap Plans
If you need help finding a Medigap provider offering discounted gym membership, call us at 1-888-891-0229.
We offer you a free consultation over the phone to discuss the right insurer to meet your healthcare needs.
We work with all the leading healthcare insurers, and we can set you in the right direction to find the Medigap plan and provider offering you the best value in your state.
You can use the premium calculator on our site to get an automated quote on your preferred Medigap policy.
Or fill out the contact form, and we’ll get a Medigap expert to call you back to discuss all your healthcare needs. You can rely on us for expert, licensed advice in any state.
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What Are Medigap Plans?
Medigap plans are supplemental insurance policies available to members of Medicare Parts A & B.
There are ten Medigap plans, each represented by a Letter. They all over varying levels of coverage to absorb the additional costs that Original Medicare Parts A & B don’t cover.
Some come with near-comprehensive coverage of all outpatient and inpatient medical costs, while others offer limited coverage. There’s a Medigap policy to suit your healthcare needs and your budget.
All Medigap policies cover some or all of the following.
- Medicare Part A hospice and hospital coinsurance.
- Medicare Part A hospice coinsurance or copayment costs
- Medicare Part B copayment or coinsurance costs.
- The first 3 pints of blood in procedures.
Additionally, you get some plans offering the following extra benefits to beneficiaries.
- Skilled nursing facility care costs.
- Medicare Part A & B deductibles.
- Medicare Part B excess charges.
- 80% of emergency medical costs during foreign travel.
Does Medigap Pay for Senior Gym Memberships?
Some Medigap policies from select providers offer you a free or discounted gym membership included in your premiums. That means you get the added benefit of free training sessions at participating gyms without paying extra.
Almost all Medicare Advantage plans give you a gym membership, but only some Medigap insurers offer these programs. A gym membership isn’t guaranteed in your policy and is not standardized coverage. However, some providers offer these memberships to attract more customers to their plans.
However, it’s important to note that policy rates for Medigap can differ by provider and the state you live in. In some states, some providers might say you get a free gym membership with their policy, but you pay more than what a gym membership costs in your monthly premiums to them.
For this reason, you need an expert to guide you through the options in your area. We can help you choose the lowest-cost insurer and the best Medigap policy to suit your needs and advise you on the right insurer to use for a free gym membership.
What Benefits Do You Get with a Gym Membership?
Medigap policies providing you with a free gym membership offer access to:
- healthcare facilities,
- swimming pools,
- tennis,
- or squash courts,
- walking or running tracks,
- and cardio and strength training equipment.
Some plans also provide virtual fitness classes online or in parks or shopping malls.
Each Medigap provider has a version of the gym membership benefits they offer. For instance, you have the “Renew Active” program with AARP, Silver&Fit, and SilverSneakers programs with other providers. Regardless of the name of the benefit, you get the same advantage of a low-cost or free gym.
There are over 15,000 participating locations in the United States, and you have the option of using any participating gym for your workout. It’s ideal for seniors who travel a lot, giving you access to a gym wherever you go in the country.
How to Choose a Medigap Plan to Cover My Senior Fitness Requirements?
While SilverSneaker, Renew Active, and Silver&Fit are readily available to Medigap policyholders in all states, not all Medigap providers provide these benefits.
Some insurers don’t have any SilverSneakers program and don’t intend to offer you additional benefits.
While that might seem like a red flag, making you consider signing with a provider that does, you need to step back and evaluate their offer before making a decision.
Some insurers might not offer these fitness programs, but you’ll save more than the cost of a monthly gym membership in the fee for your monthly premium.
Choosing the right Medigap provider in your state is challenging and requires extensive research to find the best deal.
However, you can skip all this due diligence and get us to do it for you. We’re the experts in Medigap and the benefits offered by each insurer. We can assist you with finding the best insurer in your state with the lowest premiums.
Give us an idea of the healthcare benefits you want and that you want a gym membership included in your policy. We’ll review your options for you, giving you total peace of mind knowing you’re getting the best deal.
Frequently Asked Questions
Which Medicare Supplement Plans include gym membership benefits?
Currently, Original Medicare (Part A and Part B) does not directly cover gym memberships. However, some Medicare Supplement Plans, specifically the Medicare Advantage plans (Part C), may offer additional benefits like gym memberships through private insurance companies.
How do I find Medicare Supplement Plans with gym memberships?
When searching for Medicare Advantage plans that include gym memberships, use online tools provided by Medicare or consult insurance brokers who specialize in Medicare plans. You can also directly contact Medicare Advantage plan providers to inquire about gym membership benefits.
Are gym memberships offered in all Medicare Advantage plans?
No, gym memberships are not included in all Medicare Advantage plans. It varies based on the specific plan and the insurance company offering it. It’s essential to carefully review the plan’s details, benefits, and coverage options to see if gym memberships are included.
Are there extra costs for gym memberships in Medicare Supplement Plans?
Some Medicare Advantage plans with gym memberships might have no additional costs for the membership, while others might have a small premium increase. It’s important to compare the costs and benefits of different plans to determine the overall value.
Can I choose any gym with Medicare Supplement Plan gym benefits?
The gym options available under Medicare Advantage plans may vary. Some plans might have partnerships with specific gyms or fitness networks, while others may offer a broader selection. Check the plan’s network to see which gyms are included.
What other wellness benefits can be included in these plans?
Medicare Advantage plans can offer a range of wellness benefits beyond gym memberships. These may include preventive services, telehealth options, wellness programs, nutrition counseling, and more. Review the plan’s documents to understand the full scope of wellness benefits.
Is the gym membership benefit available to all Medicare beneficiaries?
The gym membership benefit is typically available to Medicare beneficiaries who are enrolled in a specific Medicare Advantage plan that includes this feature. Not all Medicare beneficiaries automatically receive this benefit.
Can I add gym membership coverage to my existing Medicare plan?
If you have Original Medicare (Part A and Part B) with a standalone Medicare Supplement plan (Medigap), gym membership benefits are not typically available. However, you can consider switching to a Medicare Advantage plan during the enrollment period to access these benefits.
Are there any restrictions on the number of gym visits with these plans?
The number of gym visits covered by a Medicare Advantage plan can vary. Some plans might have a specific limit on the number of visits per year, while others might offer unlimited visits. Review the plan details to understand any restrictions.
How can I find out if my preferred gym is covered by my Medicare Advantage plan?
Most Medicare Advantage plans have online directories where you can search for specific gyms or fitness centers included in the plan’s network. Alternatively, you can contact the plan’s customer service to inquire about the coverage of your preferred gym.
Which Medicare Supplement Plans Include Gym Membership?
If you’re ready to invest in Medicare Supplement Plans, comparing quotes from different for different policies from different providers is an important step in the process.
To receive quick and accurate estimates from the top insurers in your area, complete and submit the form to the right of your screen.
You can also call 1-888-891-00229 and we’ll be happy to answer any questions you may have.
Updated December 4th, 2022