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.
Can I Enroll In Silver Sneakers If I Have Original Medicare
Silver Sneakers is a benefit available only to seniors enrolled in participating Medicare Advantage plans.
If you are currently enrolled in Original Medicare and want a Silver Sneakers membership, you may want to wait for the Medicare Annual Election Period and see what Medicare Advantage plans are available in your area. Read more about enrolling in a Medicare Advantage plan. Remember, you must continue to pay your regular Part B premium every month, even if you enroll in a Medicare Advantage plan.
Not all Medicare Advantage plans offer additional benefits such as Silver Sneakers. Most Medicare Advantage plans include Medicare Part D coverage for prescription drugs.
Want to know which Medicare Advantage plans in your area offer Silver Sneakers memberships? You can find out right now. Just enter your zip code in the box on this page to display a list of local plans, and look at the benefits each of them offers.
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.
How Does Pricing Work With Kaiser And Can I Get Any Discounts
Members generally pay no additional premium beyond the Part B premium for the Senior Advantage HMO. There is also typically no annual deductible for medical and prescription drug coverage. The premium for Advantage Plus benefits is around $20 a month in most areas.
In some service areas, Kaiser offers silver and gold plan options for the Senior Advantage HMO. You pay a small monthly premium for these plans in exchange for lower copayments and out-of-pocket limits.
For example, if the standard option has a $200 copay for outpatient surgery, the silver plan might charge $150, while the gold will charge you $100. The out-of-pocket maximum might be $4,400 for the standard option, $3,500 for the silver plan, and $3,000 for the gold option.
Be sure to read the summary of benefits for each plan in your area to ensure that you are aware of and understand the different costs. Youll then be able to determine the best fit for your health needs and budget.
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What If My Plan Doesnt Include Silversneakers
Its in everyones best interests for insurance plans to offer fitness benefits. According to the National Institutes of Health, exercise protects against heart disease, stroke, diabetes, and can even help prevent some forms of cancer. It also improves mental health and contributes to a better quality of life. For these reasons, its not surprising that a Centers for Disease Control and Prevention study showed almost one-half of all U.S. workplaces include fitness benefits in their health plans.
SilverSneakers is a subsidiary of Tivity Health, the company behind Nutrisystem, Prime Fitness, and Wisely Well brands. Although its the largest company offering Medicare fitness programs, it competes against programs such as Active & Fit Direct and Silver & Fit.
Insurers that want to offer fitness benefits choose the program that makes the most sense for their members. Some insurance companies develop their own fitness networks. For instance, UnitedHealthcare recently scaled back its participation in SilverSneakers in favor of Renew Active, a new fitness program created exclusively for UHC Medicare Advantage members.
If your Medicare plan doesnt offer SilverSneakers, it may offer one of the other fitness programs. You may even get fitness benefits with your life insurance policy: For example, John Hancocks Vitality Program rewards policyholders who participate in an active lifestyle.
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*Eligibility may vary. Contact your healthcare provider or local medicare office for further information.
NOTE: We are not affiliated with SilverSneakers, and you should NOT contact us with any sensitive information that is of a personal nature. We are merely a resource that provides information.
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Does My Insurance Plan Cover Silversneakers
There are over 60 Medicare Advantage and Medigap plans that offer a SilverSneakers membership at no additional cost to you. These insurance providers differ from state to state however, a few include:
- SCAN Health Plan
- Kaiser Permanente
To find out which insurance plans cover SilverSneakers membership in North Carolina, visit the Participating Health Plans page on the SilverSneakers website.
Where To Find A Silversneakers Program
The SilverSneakers website suggests there are programs near most Americans. You can check at the SilverSneakers website or on the programs app for locations near you.
The SilverSneakers smartphone app allows you to access fitness programs, track and schedule workouts, and find participating SilverSneaker locations near you or where you plan to travel.
If your plan covers SilverSneakers, you can download a digital membership card on the app. It works on both iOS and Android phones and tablets and gives you access to your membership card at any time.
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What Is Silver Sneakers All About And Is It Covered In Full By Medicare
SilverSneakers is not a benefit provided under Original Medicare. SilverSneakers is a company that some Medicare Advantage or Medicare Supplement insurance companies use to provide a supplemental fitness benefit to their members.
SilverSneakers is a health and fitness program designed for adults 65+. If your Medicare Advantage or Medicare Supplement plan offers SilverSneakers benefits, they can include the following:
- Go to thousands of gyms, community centers, and other participating fitness locations across the nation.
- Take fun exercise classes designed for seniors of all fitness levels and led by trained instructors.
- Access an on-demand video library of classes and workouts.
- Find a friendly, supportive community in person and online.
Medicare Advantage or Medicare Supplement insurance companies may also offer supplemental fitness benefits through other companies than SilverSneakers.
Stay Fit With Gyms That Accept Silver Sneakers
Remaining active is one of the best things Seniors can do to stay healthy. It not only keeps them strong and physically healthy, but it also helps keep their minds sharper and their mood higher.
Unfortunately, most health programs are geared toward younger individuals. The senior fitness centers are taking care of that problem.
In addition, classes are offered at most senior fitness centers. These classes vary, but include Zumba, water aerobics, general exercise and more. The classes are conducted at a more relaxed level, enabling senior citizens to enjoy activities that their younger peers enjoy. This may be the time to take that yoga class you always thought about.
Best of all, the program is free as part of your health insurance coverage or covered under medicare.*
Take time today and step foot onto the path of a healthier future in your golden years. Enjoy some of your old activities or discover some new ones. Your life has always been an adventure. The adventure doesnt have to end yet!
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Will A Silver Sneakers Gym Membership Improve My Health
The Centers for Disease Control and Prevention reported that the Silver Sneakers program may reduce long-term health-care costs and inpatient admissions among seniors. In fact, the study showed people who attended a Silver Sneakers gym or fitness class at least twice a week spent $1,250 less on health care in their second year of the program than those attending just once a week.
If you have diabetes, you may also see a positive impact from a Silver Sneakers gym membership. Research published by the American Diabetes Association showed that diabetic seniors who participated in Silver Sneakers activities saved over $1,600 in medical expenses their first year and had fewer hospitalizations than those who didnt.
Finally, a research article in the professional journal Population Health Management showed the Silver Sneakers gym membership program boosted the overall physical and emotional health of participants. The research showed that higher participation in the program improved quality of life across several different measures. It also reduced some of the physical difficulties associated with aging.
Of course, not everyone will have the same response to a Silver Sneakers gym membership, but research shows that many do see positive health benefits. These studies didnt compare Silver Sneakers to other health club memberships.
You should always talk to your doctor before starting a new exercise program such as Silver Sneakers, however.
What Health Insurance Pays For Silver Sneakers
As a Blue Cross Blue Shield member, your health plan may already include SilverSneakers program membership as an added benefit. That means free gym access to multiple SilverSneakers fitness locations and exercise classes led by certified instructors who know how to help seniors stay fit. All at no extra cost to you.
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Does Kaiser Permanente Cover Silversneakers
- Many Kaiser Permanente Medicare Advantage plans cover SilverSneakers membership. Learn more about the SilverSneakers fitness program and other Kaiser Medicare plan benefits.
Members of many Kaiser Permanente Medicare Advantage plans have the added benefit of a membership to SilverSneakers, though the program isn’t offered by Kaiser Medicare plans in every state.
SilverSneakers is a senior-focused fitness program commonly included as an extra benefit covered by Kaiser Permanente Medicare Advantage plan, as well as by plans offered by other insurance companies.
How Does Kaiser Senior Advantage Work
You choose a primary care physician from Kaisers network, who coordinates your care and refers you to specialists. Your costs will only be covered for services authorized by your primary care physician. The plan provides coverage for services outside of the Kaiser network only in cases of emergency.
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Does Medicare Advantage Pay For Silversneakers
Nearly all Medicare Advantage plans include SilverSneakers or other fitness programs with no added cost. Half of the major insurers have SilverSneakers or a similar benefit, including AARP, Aetna, Blue Cross Blue Shield, Cigna, Humana and Kaiser Permanente.
All the plans we reviewed cover free memberships in participating gyms across the U.S. and access to other wellness and mental fitness support services. Renew Active and Silver& Fit also provide home fitness kits for those who qualify.
All policies listed include free fitness benefits. Some insurers also have plans that charge for fitness coverage.
Regular exercise is good for overall health, and a SilverSneakers membership can help you achieve fitness goals. But when shopping for a Medicare Advantage plan, we don’t recommend using SilverSneakers or a similar benefit as a major deciding factor. You’ll want to make sure the plan is affordable, accepts your preferred doctors and covers prescriptions you take. If your ideal policy doesn’t cover fitness, you can save in other ways like joining a gym with a senior discount.
The Silver& fit Home Fitness Program
If you cant travel to a fitness center or if you prefer to work out in the privacy of your own home, you may be able to request a Silver& Fit Home Fitness Kit.
Members who receive can select two of the 17 home fitness program options each benefit year. Each includes an instructional booklet and a DVD or CD.
You get your first kit about 10 days after you enroll, and the second kit about 90 days after the first kit is shipped.
Home Fitness Kit choices include:
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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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How Can I Find A Medicare Plan With Silver Sneakers
If you are eligible for Medicare, you may select to enroll in an advantage or supplement plan which includes Silver Sneakers benefits, if it is available in your geographic area. The program is currently included in many Medicare advantage, Medicare supplement and group retiree plans nationwide. You may use the SilverSneakers Health Plan Locator to find out which plans currently offer Silver Sneakers benefits. Perhaps you will even find out that you have the SilverSneakers benefit already included in your current Medicare health plan? If not, you may be able switch to a plan in your area that offers this fun way of staying healthy for seniors.
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Which Insurance Companies Offer Silversneakers
Some of the health insurance companies that offer Medicare Advantage plans offer at least one plan that includes SilverSneakers membership.
Some Medicare Advantage plan carriers that you may consider include:
For California residents, CA-Do Not Sell My Personal Info, .
MedicareAdvantage.com is a website owned and operated by TZ Insurance Solutions LLC. TZ Insurance Solutions LLC and TruBridge, Inc. represent Medicare Advantage Organizations and Prescription Drug Plans having Medicare contracts enrollment in any plan depends upon contract renewal.
The purpose of this communication is the solicitation of insurance. Callers will be directed to a licensed insurance agent with TZ Insurance Solutions LLC, TruBridge, Inc. and/or a third-party partner who can provide more information about Medicare Advantage Plans offered by one or several Medicare-contracted carrier. TZ Insurance Solutions LLC, TruBridge, Inc., and the licensed sales agents that may call you are not connected with or endorsed by the U.S. Government or the federal Medicare program.
Plan availability varies by region and state. For a complete list of available plans, please contact 1-800-MEDICARE , 24 hours a day/7 days a week or consult www.medicare.gov.
Medicare has neither reviewed nor endorsed this information.
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How To Enroll In Silversneakers
To learn how SilverSneakers is addressing the COVID-19 situation, visit their website and click on the Coronavirus update banner at the top of the page. The SilverSneakersÂ® fitness program from Tivity Health, Inc. gives members enrolled in the HOP Medical Plan or HOP Pre-65 Medical Plan access to a fitness program at no additional cost. With SilverSneakers, you can join a local gym or take part in a fitness class designed specifically for seniors, which includes access to:
- More than 13,000 fitness locations throughout the country.
- On-demand workout videos led by a certified instructor on strength training, cardio fitness, yoga and stability.
- SilverSneakers FLEXÂ®, which allows you to participate in fitness classes right in your neighborhood. From a walking club to an aerobic dance class at your local recreation center, SilverSneakers FLEX brings the fitness to you. If you cant find a FLEX class near you, you can request a SilverSneakers FLEX location.
- SilverSneakers Go mobile app& #8212available from the App Store or Google Play . The app helps you find the nearest SilverSneakers location, access workout programs, set reminders, view your Member ID number, and more! Read the SilverSneakers Go Flyer for download instructions.
Always talk with your doctor before starting an exercise program.
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Which Is Better Medicare Advantage Or Supplements
Its important to know that Medicare Advantage plans are much different than Medicare supplement plans and you cannot have both at the same time. While Silver Sneakers is a nice perk, it may not be reason enough to choose one policy over the other. Its a good idea to discuss the differences with an independent agent before enrolling.
Does Medicare Cover Silver Sneakers
Find Cheap Medicare Plans in Your Area
Original Medicare does not cover SilverSneakers or other gym or fitness programs.
But many Medicare Advantage and some Medigap insurers provide free access to SilverSneakers and other exercise and wellness plans like Silver& Fit and Renew Active.
When shopping for Medicare Advantage or Medigap, we advise you to consider all costs and benefits before committing to a plan. While a fitness benefit can be a plus, it shouldn’t be your main deciding factor especially since insurers may drop coverage from one year to the next.
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