by Russell Noga | Updated September 19th, 2023
Are you an active senior? Staying fit, strong, and supple during your retirement goes a long way to reducing the healthcare expenses you incur during the year.
For this reason, some Medigap providers provide access to the “SilverSneakers” program when you take a Medigap plan from them.
You get a low-cost gym membership and the chance to stay fit. This isn’t by coincidence. Medigap insurers know that by staying fit and healthy, you reduce their liability to your medical expenses because healthy people don’t go to the doctor or emergency room for care as much as those who are couch potatoes.
So, what Medicare supplement plans include Silver Sneakers as part of your beneficiary benefits?
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If you’re looking for the lowest Medigap premiums and access to SilverSneakers, call our team at 1-888-891-0229. Our professional, fully licensed agents offer you a free consultation to match your healthcare needs to the best Medigap provider in your state.
You can get a free automated quote using the calculator on our site or fill out the contact form to have an agent call you back at a time that’s convenient for you.
What is the SilverSneakers Program?
The SilverSneakers program is a healthcare initiative for seniors and retirees who want to stay active, fit, and healthy as they age. You get access to a gym and fitness classes at discounted rates.
Original Medicare doesn’t cover SilverSneakers but is available through Medicare Advantage and select Medigap plans.
Some of the benefits provided in the SilverSneakers program include the following.
- Access to gyms and fitness locations across the United States.
- Group exercise at the gym or online.
- SilverSneakers online classes for cooking and art activities.
- Access to the FLEX program in nontraditional fitness locations like parks and malls.
- The highly-rated SilverSneakers GO app for your device.
You can’t buy a SilverSneakers membership as a standalone product. It’s only available through Medicare Advantage and Medigap Plans.
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What Medicare Supplement Plans Include Silver Sneakers?
Several Medigap plans and insurers offer seniors access to the SilverSneakers program. Blue Cross Blue Shield, Humana, and Anthem offer beneficiaries the SilverSneakers program.
However, they don’t provide it in all states. That’s why you need our team to show you your options for Medigap providers offering SilverSneakers in your area.
AARP Medigap policies include a “Renew Active” membership program similar to SilverSneakers in the health and fitness benefits it offers beneficiaries. However, it’s also only available on select plans and in certain locations in the US.
Silver&Fit is another similar option to SilverSneakers through select plans and providers in certain states. These fitness programs, Silver&Fit, Renew Active, and SilverSneakers, help seniors save on annual gym membership costs.
Since most Gym memberships in America average around $50 per month, you can make considerable annual savings using these plans.
However, it’s important to note that taking a plan from a provider offering SilverSneakers might not always be the best option. For instance, taking a Medigap policy with SilverSneakers in Los Angeles might end up costing you $50 more in monthly premiums compared to other providers offering the same Medigap plan without SilverSneakers.
Our expert agents can help you assess whether or not going with the Medigap provider offering SilverSneakers is a good deal or if you can find a better option in your state.
Which Insurers Cover SilverSneakers?
Most Medicare Advantage plans come with SilverSneakers included in the benefits. Half of the major healthcare insurers offer SilverSneakers with MA plans at no additional cost to your monthly premiums.
Aetna, Blue Cross Blue Shield, Humana, and Cigna are just a few examples of providers offering SilverSneakers included in your policy benefits.
Here’s a brief list of top-rated Medigap providers offering SilverSneakers included in your benefits at no additional charge.
- BlueCross BlueShield
- Kaiser Permanente
Some healthcare providers offering Medigap policies charge additional fees for including SilverSneakers in your policy benefits. While SilverSneakers is a great addition to a healthcare plan and a great way to enjoy reduced gym membership fees in your senior years, it shouldn’t be the deciding factor when choosing a Medigap provider.
The primary things to consider are the premium costs associated with the plan, whether it allows you to see your doctor of choice, and if it provides coverage for prescription medications. Many gyms offer discounts for pensioners and seniors anyway, so SilverSneakers might be a moot point.
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Searching for the perfect Medicare plan doesn’t have to be confusing. Whether it’s a Medigap plan for 2024 or you have questions about Medicare Advantage or Medicare Part D, we can help.
Call today at 1-888-891-0229, and one of our knowledgeable, licensed insurance agents will be happy to assist you!
Russell Noga is the CEO of Medisupps.com, an online Medicare Agency and resource center helping Medicare beneficiaries learn about Medicare, Medigap and Part D drug plans, and Medicare Advantage plans since 2009. Russell is licensed in all 50 states and has been featured as a keynote speaker, and author of several publications, along with hosting the very popular Medisupps.com Youtube channel.