Among the various options for fitness programs, Silver Sneakers is a remarkable program that offers adults aged 65 and above a complimentary fitness membership that opens the doors to a plethora of health and wellness benefits.

SilverSneakers allows you to access a vast network of approximately 15,000 recreation centers, senior communities, churches, and other local venues nationwide which promotes overall well-being through exercise, social engagement, and community support.

But does Medicare cover Silver Sneakers? In this article, we discuss the details of Medicare coverage and explore the possibilities of incorporating Silver Sneakers into your wellness routine while on Medicare.

Does Medicare pay for Silver Sneakers?

Medicare does not automatically include SilverSneakers. Original Medicare (Part A and Part B) does not cover gym memberships or fitness programs like SilverSneakers. 

However, some specific Part C (Medicare Advantage) plans offered by private insurance companies may choose to include SilverSneakers as a benefit. 

If your specific Medicare Advantage plan covers the SilverSneakers program, you can sign up for it on the SilverSneakers website. Upon signing up, you’ll receive a membership card with a member ID number.

With this membership card, you can access any gym participating in the SilverSneakers program. You can choose your preferred gym and enroll in the program using your card, and then you’ll enjoy all the SilverSneakers benefits at no additional cost. 

Remember that not all Medicare Advantage plans include SilverSneakers, so you must check your specific plan’s coverage to see if this benefit is available to you.

Does Medicare Part B cover Silver Sneakers?

Medicare Part B (medical insurance) does not cover SilverSneakers. SilverSneakers is not a benefit included in Original Medicare, which comprises Part A (hospital insurance) and Part B.

Is Silver Sneakers free with Medicare? Costs explained!

The SilverSneakers program is free for individuals with a qualifying health insurance plan that includes this benefit. You can sign up for the program without incurring membership fees if you meet the eligibility criteria and have a health insurance plan covering SilverSneakers.

However, it’s important to note that while the basic Silver Sneakers Medicare gym membership is free, additional fees for certain services may not be included in the standard membership. 

For example, suppose you wish to access personal training sessions, tanning facilities, or a massage at the fitness center participating in the SilverSneakers Medicare program. In that case, these additional services may come with extra charges.

The additional costs for specific services can vary depending on the gym or fitness center and your chosen services. We recommend you inquire about any potential fees or additional charges directly with the fitness center where you plan to use your SilverSneakers membership to understand the full scope of benefits.

Medicare Silver Sneakers eligibility

The eligibility criteria for Medicare beneficiaries to participate in the SilverSneakers program are as follows:

• Medicare Part A and/or Part B: To be eligible for SilverSneakers, you must be enrolled in Medicare Part A and/or Part B.
• Age Requirement: Most SilverSneakers programs are available to individuals who are 65 years or older. Some Medicare Advantage plans with SilverSneakers may also extend the benefit to younger individuals with specific qualifying disabilities.
• Plan Enrollment: SilverSneakers is typically offered as a benefit in specific Medicare Advantage plans (Part C). It is not a standalone program; you must enroll in a plan that includes SilverSneakers as a benefit.
• Plan Availability: Silver Sneakers and Medicare availability can vary depending on your location and the insurance providers in your area. Not all Medicare Advantage plans offer SilverSneakers.
• Participating Fitness Centers: Once enrolled in a qualifying plan, you can access participating fitness centers, gyms, and wellness facilities that are part of the SilverSneakers network.

Conclusion

Medicare does not directly cover SilverSneakers. Instead, SilverSneakers is a separate program often offered as an additional benefit with some Medicare Advantage plans. This program aims to promote a healthy lifestyle and provides Medicare beneficiaries access to gym memberships, fitness classes, and wellness resources.

If you’re interested in SilverSneakers, exploring different Medicare Advantage plans to see if they include this benefit is essential. Not all plans offer SilverSneakers, so it’s worth researching to find a plan that aligns with your healthcare needs and provides access to this valuable fitness program. 

Remember to review the details of the SilverSneakers benefit in any plan you consider to understand what services are covered and where you can take advantage of this fitness program.