Will Medicare Pay for a Swimming Pool?

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Russell Noga
by Russell Noga | Updated January 27th, 2024

Swimming has long been renowned for its myriad health benefits, from low-impact cardiovascular exercise to therapeutic pain relief.

For Medicare beneficiaries, these benefits can be a game-changer in managing health and wellness. But, will Medicare pay for a swimming pool?

In short, generally not – but there are exceptions and alternatives that could bring the dream of pool access within reach for many.


Key Takeaways



Understanding Medicare’s Stance on Swimming Pool Financing

The costs associated with swimming pool maintenance and installation are not typically covered by Medicare or any other insurance company.

In rare cases, Medicare might potentially cover the cost of a swimming pool if the individual has a disability that hinders their ability to swim, or if the pool is utilized for recreational purposes by individuals with disabilities. This suggests that not all pools are entirely off the table when it comes to insurance coverage.

However, be mindful that these instances are indeed rare, and health insurance coverage for such expenses is not common.

This raises the question: Should Medicare beneficiaries consider a pool purchase without insurance coverage? The answer is complex and largely depends on individual circumstances.

Before purchasing a pool, you should consult with your Medicare provider about the possible costs and benefits of owning a swimming pool. Your Medicare provider can guide you through the complexities of coverage and help you make a decision that aligns with your health needs and financial capabilities.


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Exploring the Scope of Medicare Coverage for Pools


Will Medicare Pay for a Swimming Pool? Exploring the Scope of Medicare Coverage for Pools


While Medicare’s stance on pool ownership is quite clear, the waters become a bit murkier when we start discussing pool-related treatments. Certain treatments, such as hydrotherapy and aquatic therapy, can indeed be covered by Medicare if they are prescribed by a healthcare professional.

We should examine these treatments in detail and see how they fit into Medicare’s coverage and how Medicare pay factors in.


Examining Hydrotherapy as a Medicare-Covered Treatment

Hydrotherapy involves the therapeutic use of warm water to alleviate pain and induce relaxation. Techniques such as whirlpools and hot tubs are commonly used, but bear in mind that not all pools are suitable for hydrotherapy.

This type of therapy can be particularly beneficial for patients dealing with chronic pain or recovering from injuries.

Medicare Part B may cover the costs of hydrotherapy when it is prescribed by a healthcare provider as a medically necessary treatment. This means that if hydrotherapy is integral to your treatment plan, Medicare could potentially cover the costs associated with your therapy sessions, including therapist’s fees and essential equipment.

However, specific criteria must be met for Medicare to cover hydrotherapy treatments. Namely, the therapy must be deemed medically necessary by a healthcare professional for the patient’s condition. In some cases, additional coverage for the remaining costs not covered by Medicare may be available through Medigap plans.


Aquatic Therapy: A Covered Rehabilitation Option?

Aquatic therapy, a form of physical therapy, consists of supervised exercises performed in water, typically in a pool. It is often used in rehabilitation scenarios and can be particularly beneficial for patients recovering from surgery or dealing with musculoskeletal disorders.

But does Medicare cover aquatic therapy? In fact, Medicare does cover aquatic therapy sessions under certain conditions.

Yes, under certain conditions. Medicare Part B may offer coverage for aquatic therapy if it is considered medically necessary and prescribed by a healthcare professional as part of a treatment regimen.

The unique properties of water, such as buoyancy and resistance, are used to assist in rehabilitation and pain management, making aquatic therapy a powerful tool in the treatment of various conditions.

Obtaining approval for aquatic therapy from Medicare involves demonstrating the medical necessity of the treatment. Medicare provides coverage for up to 100 sessions of outpatient therapy services per calendar year, which includes aquatic therapy.

Thus, with the right documentation and a clear treatment plan, aquatic therapy can be a covered rehabilitation option for Medicare beneficiaries.


Will Medicare Pay for a Swimming Pool?


Navigating Insurance Options for Swimming Pool Access


Will Medicare Pay for a Swimming Pool? Navigating Insurance Options for Swimming Pool Access


While Medicare’s coverage for actual swimming pools is limited, there are other insurance options that might help beneficiaries gain access to pools. For instance, specific Medicare Advantage plans, such as Aetna Medicare Advantage, may offer access to fitness programs like SilverSneakers, which include swimming pool access as part of their offerings.

Besides Medicare Advantage plans, some private health insurance plans may provide discounts on admission fees to swimming pools or even offer coverage for swimming pool access. However, the extent of this coverage and the health insurance pay can vary widely among different insurance providers.

Being proactive is necessary when navigating these options. Reviewing policy documents or directly communicating with your insurance provider can provide important insights into the specific coverage details and potential exclusions.

The Financial Implications of Pool Ownership for Medicare Beneficiaries


Will Medicare Pay for a Swimming Pool? The Financial Implications of Pool Ownership for Medicare Beneficiaries


While the potential health benefits and coverage options related to pools can be intriguing, understanding the financial implications of owning a pool is necessary. The costs of pool ownership typically include construction, maintenance, and swimming pool insurance.

Personal liability coverage, which provides insurance pay protection for potential damages incurred if an individual sustains injury on your property, is particularly relevant for pool owners. Pool-related injuries can result in substantial medical expenses and legal costs, which may exceed $1 million.

Thus, it’s recommended for pool owners to maintain a personal liability coverage of up to $1 million.

For Medicare beneficiaries, personal liability coverage is especially important. Owning a pool can pose potential financial obligations resulting from an injury occurring in or around their pool.

Thus, having coverage can serve as a safety net, protecting them from potentially significant financial burdens.


Additional Resources for Pool Accessibility

Beyond Medicare and private insurance, there are additional resources and programs that can help Medicare beneficiaries access pools at low or no cost. For instance, enrolling in a Medicare plan with a gym or fitness membership can offer access to participating gyms that provide pool access.

Community resources also play a vital role in pool accessibility. Local or senior centers and some gyms may provide assistance for Medicare beneficiaries to access swimming pools.

Public swimming pools accessible through community programs can offer physical well-being benefits, and senior centers and local gyms may also offer specialized programs such as water aerobics tailored for seniors.

Furthermore, grants are available for Medicare recipients to access pools for medical purposes. Agencies like the Centers for Medicare & Medicaid Services (CMS) provide grants aimed at enhancing access to assistance for consumers, including pool access when medically necessary.

Aligning Your Health Needs with Pool Benefits

The potential health benefits of swimming pools can be significant, especially for older adults and those with certain health conditions. Some of the benefits include:

  • Maintaining joint flexibility
  • Improving overall flexibility
  • Enhancing heart health and cardiovascular endurance
  • Providing a comprehensive body workout
  • Contributing to mental well-being


Swimming is a low-impact exercise that offers a wide range of benefits for individuals of all ages and fitness levels.

For individuals with arthritis, swimming can offer crucial relief by:

  • Decreasing joint pain
  • Promoting blood circulation
  • Reducing muscle stiffness
  • Providing more effective pain relief compared to exercises on land.


The psychological benefits of swimming are also noteworthy. Swimming can:

  • Increase ‘feel-good’ brain chemicals
  • Improve blood flow and oxygen to the brain
  • Release endorphins that enhance mood
  • Reduce stress
  • Improve mental well-being
  • Enhance self-confidence
  • Promote relaxation


All these health advantages make swimming a valuable tool for maintaining good health among Medicare beneficiaries.


Although Medicare’s coverage for swimming pools is generally limited, there are numerous avenues for Medicare beneficiaries to access the health benefits of swimming.

From potentially covered treatments like hydrotherapy and aquatic therapy to insurance options providing pool access and community resources, the possibilities are numerous.

However, it’s vital to approach pool ownership and access with full awareness of the financial implications and coverage limitations.

By exploring every available resource, understanding your health needs, and aligning them with the benefits pools can offer, you can make the most of your health journey as a Medicare beneficiary.




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Frequently Asked Questions


  Is a pool considered a home improvement?

Yes, a pool is considered a home improvement because it is a capital improvement that increases your property value.


  Will medical insurance pay for a swimming pool?

No, medical insurance does not typically cover the cost of a swimming pool as it is designed for medical services and treatments.


  Does Medicare cover hydrotherapy?

Yes, Medicare can cover hydrotherapy if prescribed by a healthcare provider as a medically necessary treatment. It falls under Medicare Part B.


  Are there insurance options that provide coverage or discounts for access to swimming pools?

Yes, some Medicare Advantage and private health insurance plans offer discounts on swimming pool admission fees or coverage for pool access. Consider looking into these options for potential savings.


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