Which Medicare Supplement Plans Include Sneakers
Currently in Georgia there are only three marketers that include a Sneakers membership when you buy their Medigap coverage. That would be Anthem/Blue Cross, Humana and United Healthcare through AARP.
Bob Vineyard and Georgia Medicare Plans has two of the three available for our clients.
We are more of a purist when it comes to insurance. Generally, the carriers and marketers that use gimmicks such as add-on services or family discounts usually incorporate those things to make amends for the lack of value in their plans.
An age 67 female living in Macon Georgia would pay the following if they picked the popular plan F sold by the Sneakers marketers
- Anthem/Blue Cross $154
- United Healthcare $182
In contrast, the BEST current rate for plan F is $130.
Why pay an extra $300 per year for your Medigap coverage JUST to get a free Silver Sneakers membership?
Even more, we almost NEVER recommend plan F for our clients. Most will find plan G to be a much better value and can save an extra $300+ per year or more vs. plan F.
If you are looking for a solid Medigap plan that saves you money and delivers value, shop and compare our rates now. Buy your own gym membership with the savings.
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How Does The Silver And Fit Program Work
Online Healthy Aging resources: Silver and Fit gives you access to an online catalog of Healthy Aging materials containing health and well-being resources. Once enrolled, you can opt to receive the Healthy Aging materials via mail. Topics include meditation, staying active, and community involvement.
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How Does Unitedhealthcare Motion Work
Using activity devices, UnitedHealthcare Motion helps participants track activity, set goals and earn financial incentives when they reach daily walking targets. Heres how it works: Every day, participants may earn a $3-$4 incentive, deposited quarterly into their HRA, HSA or prepaid debit card, as applicable.
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Aetna Medicare Advantage Plans: Whats Included In A Silversneakers Membership
Members may be able to use any of more than 16,000 participating SilverSneakers facilities across the U.S., according to the SilverSneakers website. Depending on whatâs available at the gym you visit, you can swim, lift weights, take a group exercise class, or rock the treadmill. Any amenities available to regular gym members is typically available for SilverSneakers members, too, â so you can soak in the whirlpool or ease your tired muscles in the sauna, if your gym has them. Of course, if you want extras such as a post-workout massage, youâll generally have to pay separately.
Not every Medicare Advantage plan â whether through Aetna, or a different private Medicare-approved insurance company â offers SilverSneakers.
Aetna 2021 Medicare Plans Focus On Total Health And Making
Posted: Oct 05, 2020 · SilverSneakers fitness memberships are available to all of Aetnas individual MA members at no extra cost. Through SilverSneakers, members have access to 15,000+ fitness locations that offer instructor-led, group fitness classes and other opportunities for members to socialize within their communities.
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Customer Reviews And Complaints
Customer reviews for Aetna are well above average compared to other Medicare Supplement companies. Many customers remark that the website is easy to use and navigate while also offering features such as online quotes and live chatting with an expert. Other positive notes for Aetna include:
- Better Business Bureau rating of A+
- Moody’s financial rating of A2
- AM Best financial rating of A
Aetna falls short based on its customer complaint index from the National Association of Insurance Commissioners . The company scored a 1.57 for its Medicare Supplement product, meaning its complaint performance was significantly worse than the average of 1.00 across the industry.
Renew Active Vs Silver Sneakers
Does it sometimes seem like Medicare and Insurance companies are trying to make things as complicated as they possibly can? Just when you think you have Medicare Advantage down, something else comes up! For example: Renew Active vs Silver Sneakers.
Not so very long ago, there was one main senior fitness program when you joined a Medicare Advantage Plan: SilverSneakers®. Then, in January 2019, one carrier dropped SilverSneakers and replaced it with Renew Active. Many people were concerned when this first happened. However, it now seems like Renew Active is a reasonable replacement.
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What Insurance Plans Offer Silversneakers
Before we list the specific insurance companies that include SilverSneakers coverage, its important to keep several things in mind:
- The list of providers currently offering access to SilverSneakers changes every year.
- This list below details the major carriers widely known in the United Statesyou may find other, lesser-known insurance companies that offer SilverSneakers.
- Not all plans in all states or counties will have SilverSneakers, even if the insurance company is listed as offering the program. For this reason, you should always check the specifics of any plan youre interested in.
For 2021, the following alphabetical list comprises insurance companies that offer SilverSneakers as part of their plan benefits:
Your Membership Could Be Free
Mountainside Fitness partners with, and participates in, various health insurance programs that provide incentives to its members as they exercise and stay healthy. Below is a list of plans from our current partners. If your health insurance company is not listed below but does have an incentive plan with participating fitness clubs, please let them know about Mountainside Fitness as we would love to start a conversation with them.
Scroll down to view Medicare and Employer-Based Programs
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Does Medicare Supplement Plan G Cover Gym Memberships
Staying in shape is important at any age, but its especially important when you start to age. One easy way to accomplish this is to go to the gym. But this can get expensive, especially if you dont use it a lot. Does Original Medicare or Medigap coverage include gym memberships? Well reveal the answer below.
Does Original Medicare Cover Gym Memberships?
Unfortunately, gym memberships are not on the list of covered expenses under Original Medicare. It wont cover fitness program fees or gym memberships. This means you pay 100% of the costs associated with it if you plan to get a gym or fitness program membership. However, you may be able to get help with some of the costs if you have a specific Medicare Supplement policy.
How Medicare May Cover Gym Memberships
Plan G may cover certain gym memberships, but Plan G plans have been scaling back on covering gym memberships due to lack of use.
However, people who have enrolled in Medicare Advantage plans can have access to gym membership coverage under a specific program. To date, United Healthcare, Humana, Anthem Blue Cross and Blue Shield, Aetna, Gateway, Coventry, and WellCare all participate in a senior-specific gym membership program called Silver Sneakers in most states. United Healthcare is scaling back their coverage in certain states due to non-use, but its still available in some places.
The SilverSneakers Program
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Do I Need My Doctors Permission To Enroll In Silversneakers
Aetna Medicare Advantage plans donât generally require you to get a doctorâs sign-off before you enroll in SilverSneakers, but it may be a good idea to check with your doctor before starting a new exercise program. Your doctor can help you decide whether a fitness program is right for you and the best types of exercise activities to help you achieve your goals.
Medicare information is everywhere. What is hard is knowing which information to trust. Because eHealthâs Medicare related content is compliant with CMS regulations, you can rest assured youâre getting accurate information so you can make the right decisions for your coverage.Read more to learn about our Compliance Program.
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How Do I Get Silver Sneakers
If you arent sure, just ask your agent while considering your options. Sometimes we cannot disclose all perks offered by an insurance company so as not to inadvertently steer clients one way or the other.
Of course, Silver Sneakers is one of the biggest perks and some of our clients will choose a carrier based on this benefit alone. Its important to crunch the numbers, however. If you frequently use the gym and a membership will save you $60 a month, then it might be an easy decision. But if you dont use the gym often you might benefit from a lower cost Medicare plan that does not offer this benefit. We can help compare your best options.
Here are a few FAQs that will help you:
What Is Silver Sneakers & Why Should I Be Interested
More than 60 health plans nationwide have partnered with Silver Sneakers to include this valuable benefit. Some of these include AARP Silver Sneakers , but they have discontinued this relationship in several states.
Many Medicare supplement and Medicare Advantage insurance plans include this benefit at no extra cost.
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When You Can Enroll In Medicare Supplement Plans
You can enroll in a Medicare Supplement plan at any time during the year as long as you meet the requirements for Original Medicare .
Note: Dont wait too long to enroll in Original Medicare because once youre out of your IEP you may require underwriting, because insurance carriers arent required to honor your Guaranteed Issue Rights.
Whats Included In An Aetna Silversneakers Membership
Each location offering a SilverSneakers class may have different amenities or program activities, but some of the things you may expect to find include:
- Classes that focus on senior health and flexibility like yoga or tai chi
- Group exercises
- Sports leagues exclusively for senior adults
- Health and nutrition education
- Social activities and events
- Access to things like weights and cardio equipment, hot tubs, saunas, swimming pools, basketball and racquetball courts and other available amenities
Some Aetna SilverSneakers memberships also include access to the FLEX program, which is a network of more unique fitness classes like line dancing, Latin-style dancing, walking groups and more.
An Aetna SilverSneakers membership will also grant you access to the SilverSneakers app so you can find participating locations and FLEX classes, track your progress, watch informational and instructional videos and more.
An Aetna SilverSneakers membership may even include a college discount program. Earn points for exercising and turn those points into college tuition money for a grandchild or other family member.
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What Does Silversneakers Membership Include
The available amenities and fitness activities can vary by location. But some of the options that may be accessible to SilverSneakers members include:
- Group exercises
- Organized classes such as yoga, tai chi and many more
- Equipment for cardiovascular and strength training
- Education about health and nutrition
- Social activities and events
- Sports teams and leagues exclusively for seniors
Plus, youll have access to facility amenities such as saunas, hot tubs, pools, basketball courts and more.
If theres no SilverSneakers location near you, you may be eligible for a home exercise kit. The kit includes a workout DVD and any associated equipment you might need.
Switch Your Plan Not Your Doctor
Though you have a new plan option, chances are you may be able to continue seeing your doctors. This is because this plan is the Aetna Medicare Plan with an extended service area . This is a type of Medicare Advantage plan. With this type of plan you pay the same cost for any doctor or hospital, according to the costs listed on the plan benefits summary. The provider must be eligible to receive Medicare payment and accept the Aetna plan.
- Instructions on how to use Aetna Medicare Advantage provider search »
- Step 1: After clicking on Find your provider, choose 2022 Medicare plans you through your employer
- Step 2: Enter your home zip code OR city, state then select from the drop-down
- Step 3: Choose select plan to find providers
- Step 4: Choose Medicare Advantage with Prescription Drug plan
- Step 5: Under PPO section Select Aetna Medicare Plan with Extended Service Area *
- Step 6: Then choose medical and click continue to find care at the bottom right of your screen to find providers
*As a member of the Aetna Medicare Plan with an Extended Service Area , you can receive services from any provider that is eligible to receive Medicare payment and is willing to treat you. Your cost share will be the same as in-network care. Out-of-network providers are under no obligation to treat Aetna members, except in emergency situations.
Why Do Medicare Plans Offer A Silversneakers Benefit
Many insurance companies have started offering unique benefits and incentives to those who are working to improve their health through fitness and diet.
For example, the Attain by Aetna program is built around customizing your activity goals, such as how many steps you take or how many laps you swim. The weekly challenges are issued through the Apple Watch, and the points you earn by completing the challenges can be used to actually pay for said Apple Watch.
You also have life insurance companies like John Hancock, who have put together a âVitality Program,â which gives policyholders the chance to reduce premiums by up to 15% for living a healthy life. You can earn rewards like Amazon discounts, an Apple Watch, a Fitbit device, and even a Vitality Healthy Food benefit with up to $600 in annual savings on healthy food purchases.
Many insurance companies recognize the value of encouraging their policyholders to stay on top of their health. The SilverSneakersÂ® program is just one more way for insurance companies to help their members stay healthy for longer.
Healthier members mean lower medical bills, which ultimately saves the insurance company money in the long run. Thatâs the idea, anyway.
Their program has also had a âsignificant impactâ on social isolation and loneliness.
Best of all, SilverSneakersÂ® reports that group exercise class attendees have $2,144 lower average healthcare costs than matched non-enrollees after only a single year in the program .
Which Medicare Plans Have Silver Sneakers In 2022
SilverSneakers is a fitness program that is specifically targeted to seniors in order to help them stay fit and healthy.
In participating fitness and wellness centers, gyms and YMCAs and currently also online, you will find specially trained instructors to teach SilverSneakers classes. Of course, the availability of SilverSneakers classes varies by insurance plan and your location, and is subject to change, but if one is available to you, you may be able to join group exercise classes, the classic program with a variety of exercises, fitness and workout programs for cardiovascular and muscular strength, aerobics, yoga, as well as relaxation and stretching classes for stress reduction. All programs are designed to be easy-to-follow, low-impact on movement, safe, heart-healthy and gentle on the joints. Many classes offer chair support in order to increase flexibility, balance and range of movement.
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Find Silversneakers Locations Near You:
To find SilverSneakers® locations near you, or click on the buttons below. You can search by class type, amenity , or even gender if you prefer a women-only gym. Some examples of locations that may support the program are hospital wellness centers, select Planet Fitness locations, and other local gyms.
Note: YMCAs are part of the SilverSneakers® network in many states. However, YMCAs are NOT part of the SilverSneakers® network in Tennessee as of January 1, 2020.Chattanooga, TNChicago, ILHouston, TXKnoxville, TNLexington, KYLouisville, KYMemphis, TNNashville, TNNew Orleans, LASan Antonio, TXTucson, AZ
How Do I Enroll And What’s Next
You must visit your Life Time location to enroll in this program. Once you have received your Fitness ID or Confirmation Code and verified your Life Time location accepts the program, you are welcome to stop in to the club during guest hours or call your club directly at .
*These plans may require a premium buy-up plan. Please refer to your health insurance provider for more information about your specific plan. Go back to Silver and Fit
Membership levels, types, amenities, services, programs and their associated dues, pricing, fees and/or charges may vary by location and are subject to change. Access to clubs, and certain services, programs, amenities, or areas within a club may be restricted, conditioned, or otherwise limited by specific terms and conditions and/or subject to a separate or supplemental fee for access or use . See club for additional terms and conditions that may apply. Always consult your physician before beginning any new exercise program.
A fitness and healthy aging program, Silver & Fit® is offered through many insurance companies’ Medicare Advantage and Supplement plans.
SilverSneakers® is a health and fitness program that’s included with many Medicare Advantage and Supplement Plans.
Available with select Medicare Advantage and Supplement plans. Renew Active from UnitedHealthcare offers fitness for body and mind.
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When Can I Enroll In A Medicare Advantage Or Medicare Supplement Plan
The Annual Enrollment Period is from October 15 December 7, which is the time of year many Medicare beneficiaries can enroll in new plans or make changes to existing ones.
Some members qualify for a Special Enrollment Period . Depending on your eligibility, you may have a lifelong SEP, which allows you to make one change per quarter for the first three quarters of the year instead of only during AEP. Some people may only be eligible for a temporary SEP due to a life change, like moving to a new service area.
If you have just become eligible for Medicare for the first time, you can enroll in Medicare Advantage during your Initial Enrollment Period .
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