Thrivent Financial For Lutherans
Thrivent’s motto is to “Be Wise with Money.” Thrivent is a not-for-profit financial services company, and they have a lot of different products which they offer . While they are one of our smaller companies, they are the highest rated small company that we offer.
What we like about Thrivent Financial for Lutherans:
They have an A++ rating with AM Best. This rating is the highest out of all of the medicare supplement companies that we offer.
They have an easy application process.
They have a “general administrative rule” that they will not increase rates within your first 12 months with them.
They offer a household discount .
They are a good company – keeping their members first.
They do not charge a policy fee – so you are not charged anything extra for your initial premium.
Any negatives?
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They are not one of the “big four” companies.
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They do not offer the SilverSneakers benefit.
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Their rates tend to be a bit higher in some states, and really low in others. Connect with us and we’ll let you know if they have good pricing in your area or not.
Based on their A++ rating, we think that Thrivent Financial for Lutherans should be one of the options you seriously consider when you are shopping for a Medicare Supplement plan. Call us any time to talk about Thrivent or any of our other carriers – 1-855-887-5050.
How Is Silver& fit Similar To Silversneakers
Silver& Fit is an online workout program that can be used at home or in the gym. Members have access to both live and archived workouts and classes taught by expert instructors on Facebook Live and YouTube. Live 30-minute classes are taught throughout the day Monday through Friday while additional classes are available in an on-demand library.
Classes include cardio, yoga, strength training, flexibility and balance, dance, Tai Chi, cycling and more. Home kits that include weights, resistance bands, mats and even a wearable fitness tracker are available to those wish to participate from the comfort of home.
Silver& Fit membership also grants you a basic membership to over 15,000 gyms and fitness centers nationwide. Silver& Fit members have access to any amenity included in a basic membership at each facility, such as pools, saunas or anything else covered by the respective membership level. A Silver& Fit mobile app allows members to stream live classes or on-demand workouts on a phone or tablet when working out at the gym.
Included in a Silver& Fit membership is a collection of lifestyle content, social clubs where members can connect with other members from their area, a rewards program for reaching workout goals and scheduled phone sessions with personal health coaches.
One Pass Frequently Asked Questions
How do I know if Im eligible?
You can verify eligibility through your health insurance provider by calling the 1-800 number on the back of your health insurance card and/or One Pass Medicare. If you are eligible, your provider will give a 9-digit confirmation number that begins with either an A or an S.
How do I enroll?
To enroll, you will first verify eligibility through your health insurance provider and/or One Pass by calling the 1-800 number on the back of your health insurance card. If you are eligible, your provider will give a 9-digit confirmation number that begins with either an A or an S. You will bring your ID number and your photo ID to the club to get your membership started with our in-club Concierge team.
Which clubs are covered with One Pass?
One Pass Medicare is offered at open United States Life Time Athletic Country Club locations.
Do I pay anything to begin my membership?
A credit or debit card is required to be on file for any Life Time membership. Upon eligibility through One Pass Medicare, a Standard Life Time Medicare membership will be $0 cost to you. Additional benefits to a card on file allow your card on file to be used as a club tab account, a convenient way to purchase fee-based programming and services, and for in-club purchases in our LifeSpa and LifeCafe.
Who may I add to my membership?
Do I have to visit Life Time a specific number of times for my membership cost to be covered?
Is Beach Club included?
Is a card on file required?
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Does Medicare Cover Gym Memberships
Medicare doesnt cover the costs of fitness programs and gym memberships, although some Advantage plans include a gym membership.
Advantage plans can offer extra benefits that arent available through Medicare. People that sign up for an Advantage plan must pay the Part B premium and any plan costs.
Supplement plans are Medigap policies, and they dont include coverage for gym memberships.
Private companies offer different plan options. Beneficiaries should compare plan rates in their area.
Silversneakers Eligible Gyms And Locations
There are over 16,000 SilverSneakers® locations across the United States. These locations include gyms, wellness centers, and YMCAs. Additionally, each location can provide equipment demonstrations.
Are you in Tennessee? Read this: YMCAs in Tennessee will no longer be accepting SilverSneakers®.
Once enrolled, you have access to any of these participating facilities. Enrollees receive a list of local participating facilities, including addresses and phone numbers.
Weve compiled lists of SilverSneakers® locations based on where most of our audience is located. If your location is not listed,
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Gpm Health And Life Insurance Company
GPM Health and Life Insurance Company is one of our “smaller” companies which we offer to our clients.
GPM Life, the parent company of GPM Health and Life Insurance Company, has an interesting history – it was started in 1934 as an insurance company which would provide life insurance to servicemen who died in war .
GPM Health and Life Insurance Company is located in San Antonio, TX.
What we like about GPM Health and Life Insurance Company:
They offer a generous household discount .
They have a standard practice that they will not increase your rate for your first 12 months as a policyholder. This is their General Administrative Rule.
Their rates are some of the lower rates in the industry.
They have a very easy application process – we can complete everything for you in a short amount of time.
They are administered by Mutual of Omaha – so customer support is outstanding.
Any negatives?
We believe that GPM Health & Life Insurance Company is a great pick – and an excellent company to work with. If we had to pick any negatives, it would be the following:
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They are smaller than the “big four” which we highlighted above. However, they are administered by Mutual of Omaha, one of the big four.
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They have a one-time policy fee of $25 in some states, so that your first premium costs $25 extra.
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They do not offer SilverSneakers.
Find Out If Youre Eligible For Silversneakers
What are the SilverSneakers eligibility requirements?
In order to be eligible for the SilverSneakers Fitness program, you must be:
- Living in the U.S.
- Enrolled in a private Medicare plan that offers the SilverSneakers benefit
To be eligible for SilverSneakers, you must join a participating Medicare Advantage plan or a Medicare Supplement Insurance plan.
If you are already enrolled in one of those types of private insurance plans, you can visit SilverSneakers.com to see if your current plan offers the program.
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How Does Silversneakers Work
When SilverSneakers is available to you under your plan coverage, it is offered as one of the basic benefits. All that you have to do is activate your membership. To get started, simply:
- Create your profile online.
- Get your digital membership card.
- Start using your benefits.
SilverSneakers is most known for its gym membership program. As a member of SilverSneakers, youll have access to over 17,000 gyms and health clubs nationwide. At these clubs, you can take advantage of numerous healthy activities, including:
- Instructor-led fitness classes
- Use of gym equipment like weights and machines
- Use of pools, basketball courts, and other gym amenities
Beyond the gym memberships SilverSneakers is known for, you also have access to live fitness and wellness classes that you can stream online. This is a particularly useful benefit given the current concerns over COVID-19.
SilverSneakers also offers access to health and wellness discounts, as well as a fitness mobile app that helps you set and attain healthy goals.
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Which Medicare Advantage Plans Offer This Benefit
Medicare Advantage is available through private insurance companies. Typically, these health plans cover all of the services provided by Original Medicare and additional benefits such as dental, vision, hearing and wellness. The Medicare website provides an online tool to help seniors compare different Medicare Advantage plans and their benefits and costs.
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Silver& fit Frequently Asked Questions
How do I know if Im eligible?
You can verify eligibility through your health insurance provider by calling the 1-800 number on the back of your health insurance card. If you are eligible, your provider will give an 8-digit Fitness ID number. To enroll, we ask that you bring this ID number and your photo ID to Life Time.
Why is this program not offered at every Life Time location?
Location coverage is selected by the Medicare program directly. To learn more about the partnership details and location selection process, we recommend you call your health insurance provider directly.
Can I access multiple locations with Silver& Fit? Or just one location?
Silver& Fit membership include access to your home club only.
It looks like you offer Silver& Fit and Silver& Fit Premium. How do I know what specific plan I have?
To verify your coverage plan details, please contact your health insurance provider and/or American Specialty Health directly.
How do I enroll?
To enroll, you will need to first confirm your eligibility and collect your 8-digit Fitness ID number through your health insurance provider. Next, you can bring your ID number and your photo ID to Life Time to begin your membership with the assistance of our in-club Concierge team.
Do I pay anything to begin my membership?
Do I have to visit Life Time a specific number of times for my membership cost to be covered?
Are there specific Silver& Fit Classes at Life Time?
Is Beach Club included?
Is a card on file required?
How Do You Enroll In Medicare
If you are already collecting Social Security benefits, the government will automatically enroll you in Medicare Parts A and B. However, in certain circumstances you can choose to decline Part B since it has a monthly cost if you opt to keep the coverage, Medicare will deduct the cost from any Social Security benefits you are collecting.
If you arent drawing Social Security benefits yet, your first chance to sign up for Medicare is when you turn 65. Although Medicare provides your healthcare coverage, you have to sign up through Social Security or the Railroad Retirement Board to determine if youre eligible and to find out if you paid Medicare taxes long enough to get Part A without having to pay a monthly premium.
The seven-month enrollment period starts three months before you turn 65 and ends three months after the month of your birthday. Medicare coverage begins based on the month you signed up.
If you miss the seven-month initial enrollment period, you can sign up for Part B during general enrollment, which runs from January 1 to March 1, and coverage will begin on July 1. Note that you will pay a penalty for signing up late: The more years you delay, the higher the penalty.
There are some scenarios where you might want to wait to and you wont be penalized for example, if you or your spouse are still working, and you have health insurance through your job.
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Do Medigap Plans Cover The Silversneakers Program
Yes, some Medigap plans cover SilverSneakers. For example, Anthem, Humana and Blue Cross and Blue Shield Medigap plans provide SilverSneakers as an added benefit in some states. Renew Active, a similar fitness benefit, is available through AARP Medigap policies depending on the plan and location. Silver& Fit is another option that may be available through Medigap plans in your area.
SilverSneakers and other programs promote fitness and can save on the cost of a gym membership, which is an average of $50 per month across the U.S. But we advise comparing the costs and benefits of all 10 standardized Medigap plans, among multiple insurers, when choosing a policy.
While SilverSneakers is a free benefit, plans that include it might still be more expensive than comparable options.
For example, a cheap Medigap plan in Los Angeles without fitness benefits could save you $50 per month. If you take the cheaper plan and join a gym at a discounted rate, you’ll save money each month.
Another reason to carefully review your Medigap options is that it can be hard to switch once you’ve committed to a plan.
Silversneakers Vs Other Fitness Programs
While there are a few other fitness programs out there through different carriers, SilverSneakers has and continues to be the most popular. Most of the other programs do require you to pay additional fees. If you have access to a fitness program, you should take full advantage of it. This will assist in your living a longer and more full life.
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What Are The Silversneakers Eligibility Requirements
SilverSneakers, a popular exercise program for older adults, offers memberships to qualifying seniors who are enrolled in participating Medicare Advantage plans.
Before you choose your Medicare health plan, consider the SilverSneakers program and whether its something youd like included in your plans benefits.
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What Insurance Plans Include Silversneakers
Keeping fit as you age can improve your health and help you manage chronic ailments. Medicare-eligible Americans can gain access to SilverSneakers, a popular health and fitness program that is often integrated into Medicare insurance plans. In this guide, well cover a few basics about SilverSneakers, dive into which insurance plans include the program, and touch on how to choose the one that best fits your specific needs.
Key takeaways:
- SilverSneakers is a health and fitness program designed for adults age 65 and older.
- SilverSneakers is included in many Medicare plans, including both Medicare Advantage and Medicare Supplement insurance.
- Medicare Advantage and Medicare Supplement carriers have different benefits in different states and counties, which means that not every plan in every state offers SilverSneakers.
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Cant Get To The Gym No Problem
Silver Steps is a program for seniors and other members who live 15 miles or further from a gym. It is a personalized workout program that includes a kit with how-to DVDs, resistance belts, and an exercise video. So you wont be left out if you live in a rural area. Silver Sneakers also offers an online component to help with nutrition, streaming exercises, and a forum to talk to other members.
Medicare Supplement Plans That Cover Silversneakers
Many Medicare supplement plans include some access to gym memberships. As far as silver sneakers go, few Medigap carriers offer SilverSneakers.
Most Medicare Supplement plans have some sort of added gym membership you can access. Many have an additional premium for these services.
For example, Cigna offers Silver and Fit in some areas. It is approximately $25 a month, and Mutual Of Omaha has its Mutually Well fitness program.
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Medicare Advantage Plans May Cover Silversneakers
SilverSneakers is considered a basic fitness service and Original Medicare, Part A and Part B, does not cover this benefit. However, Medicare Advantage plans, also known as Medicare Part C, may provide this benefit. To see if your current Medicare Advantage plan includes the SilverSneakers program, contact your health plan directly, or visit the SilverSneakers online health plan finder to check.
If you are looking to enroll into a Medicare Advantage plan with SilverSneakers coverage, take a look at our eHealthMedicare plan comparison tool on this page. The tool lets you review a list of Medicare Advantage plans available in your service area and explore your Medicare plan options.
Coverage of the SilverSneakers program will vary by Medicare Advantage plan, and availability may depend on location. Many Medicare Advantage plans cover this benefit at no additional cost, while others cover it as an optional rider. If youre currently enrolled in a Medicare Advantage plan, you may want to contact your plans Customer Service to find out if the plan includes the SilverSneakers benefit.
Some employer or union sponsored group retirement plans may cover this benefit as well. If you are enrolled in a group retirement plan and you are uncertain whether SilverSneakers is included in your benefits, you may want to contact the plan administrator.
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Getting The Most Out Of Your Medicare Insurance
Too often Medicare insurance policies are purchased and stashed away. Whether you purchase a Supplement or Advantage plan, its important to know about extra benefits. Medicare Advantage plans are allowed to offer ancillary benefits like dental, vision and hearing. Conversely, Supplements, by rule, cannot usually offer as many added benefits.
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Lumico Life Insurance Company
Lumico has more than 50 years experience handling life insurance. But in 2018, they started a Medicare Supplement division, and we are excited about being able to offer them. Their parent company is Swiss Re, which is a global organization in the financial services realm.
What we like about Lumico:
They have some of the lowest rates in the country right now. If you are looking for a small, low priced company, then Lumico may be right for you.
Their application process is very easy. Just call us to get started .
They offer household discounts .
They are financially secure , which is good to know when dealing with a smaller company.
Apply Today, Pay Tomorrow.Lumico Life Insurance Company does not require up-front payment on their Medicare Supplement policies if you are applying for a future start date. For instance, if you are turning 65 in August, and applying for a Medicare Supplement in May – you will pay your first payment in August.
You can pick any convenient monthly payment date. While many companies give you limited options for your payment date .
Any negatives?
Any time a new company comes to the Medicare Supplement market, we proceed with a little caution as we can not see a track record of rates. We believe that Lumico will be a good long-term option – and if you are interested in one of the lowest priced companies, then they may be a good fit for you.
