Silver Sneakers Vs Active And Fit Direct Program
When it comes to fitness programs, beneficiaries have plenty of options. SilverSneakers and Active & Fit Direct are both fitness programs that accommodate seniors.
The SilverSneakers program allows beneficiaries to have free access to gyms nationwide.
Members may have access to full use of gym equipment and benefits, including weights, cardio machines, saunas, pools, and hot tubs.
SilverSneakers offers fitness classes such as yoga, cardio-fit, circuit training, and water aerobics.
The Active and Fit program allows members to choose from over 9,000 facilities across the nation.
The program offers an online directory map and locator for fitness facilities. Also, you can switch fitness centers to make sure you find the right fit.
The Active& Fit Direct Program also offers online wellness tracking, which comes from a variety of wearable fitness devices. However, the program is only for individual or employer group members.
Active& Fit Direct continues to expand its growing network to meet the clients needs. This year there was an addition over 1200 facilities, including large chains, independent and local gyms.
Members can search the online directory for some of the nations finest fitness centers in their area.
Does Tricare For Life Include Silver Sneakers In Texas
SilverSneakers is not included with Medicare Part A and B or with Tricare for Life, but is included in some zero premium Medicare Part C plans. Currently there are over 25 million Medicare clients on Part C plans nationwide, which are required to provide the same benefits as Part A and B, but can also include vision, hearing, dental coverage and SilverSneakers.
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What Does Tricare Cover
TRICARE is a healthcare program designed for active-duty service members, active-duty family members, National Guard and Reserve members and their family members, retirees and retiree family members, survivors, and certain former spouses.
This program combines healthcare resources of the Military Health System with a network of civilian healthcare professionals, facilities, pharmacies, and suppliers. There are a number of different plans available to fit your individual needs.
To learn what services and supplies are covered, you can use the TRICARE Covered Services tool. In general, TRICARE covers medically and psychologically necessary inpatient and outpatient care, similar to traditional insurance coverage.
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Whats Included In The Silversneakers Program
SilverSneakers is much more than just a gym membership, although it does include all the perks of a basic membership at participating fitness and community centers. You can work out on weight machines, join a group fitness class, swim a few laps, and even relax in the sauna or hot tub .
Youre also not locked into one particular fitness center. Your membership works at 17,000 participating locations across the United States, any of which you can visit. If you prefer exercising outdoors, try one of the SilverSneakers FLEX classes offered at a local park. Use the SilverSneakers GO app to find class schedules and locations, and track your progress toward fitness goals.
When going to the gym isnt an option, you can stream live classes and workshops to your TV or use the library of on-demand videos to exercise on your own schedule.
If youre eligible for SilverSneakers, these benefits are free at all participating locations. Youll only pay out-of-pocket for things like a smoothie from the health bar or a massage after your workout if you desire those extras.
Tricare For Life Benefits Overview
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TRICARE For Life is a medical benefit program designed to pay for medical expenses for active duty military personnel and their families, and also for retired military personnel and their families. Although it appears to be an insurance program, it is actually a benefit program. It is a benefit offered to persons serving in the military as they pay no premiums for the coverage.
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How Seniors Can Get A Free Gym Membership
If you or a loved one qualify or receive Medicare and want to stay healthy for free then you might want to look into AARPs Medicare Silver Sneakers Fitness program.
The Silver Sneakers Fitness Program is a value added benefit offered to Medicare recipients that are enrolled in one of AARPs branded Medicare insurance programs. Other insurance providers offer the Silver Sneakers Fitness program however AARPs branded program is one of the most popular. The popularity is fueled by the AARP brand marketing. Most everyone becomes acquainted with AARP well before they are retirement age. Some people have even received AARPs marketing materials before their 50th birthday.
What Is A Medicare Advantage Plan
If you want coverage for Medicare transportation, a Medicare Advantage plan might be a good option. These plans are offered by private insurance companies approved by Medicare. They are an alternative way to receive your Original Medicare benefits. Medicare Advantage plans might also provide additional coverage for dental and vision services or prescription medications.
You cannot have a Medicare Advantage plan and a Medicare Supplement insurance plan at the same time. If you have a Medicare Advantage plan, it will include your Original Medicare benefits. You will need to continue paying your Part B premium, even if you have a Medicare Advantage plan.
You may also have a monthly premium with the Medicare Advantage plan you choose. The costs of these plans can vary based on your service area and the plan and company you select. Compare plans carefully to ensure you find the plan that meets both your medical and your financial needs.
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Why Take Advantage Of The Program
SilverSneakers is designed to help older adults stay physically fit and socially active. Membership provides access to more than 16,000 participating locations nationwide, including gyms, wellness centers and YMCAs.
You can visit the SilverSneakers official website to find a participating location near you.
SilverSneakers locations offer fitness classes targeted towards aging adults, including:
- Senior sports teams or recreational leagues
- Outdoor exercise activities
- And more
In addition, the Silver Steps program provides seniors who live in more rural areas access to personalized workout programs they can do from home and an online component to help keep members connected and motivated to stay healthy.
Most Medicare Advantage Plans Offer Fitness Benefits Like Silversneakers
Staying active is important for your health, regardless of age. Depending on your interests and level of physical activity, you may turn to a local gym, group fitness classes, or personal instructors for assistance in exercising.
How you receive your Medicare benefits determines whether you have access to low-cost or free fitness and wellness benefits, such as access to SilverSneakers, which is heavily used by beneficiaries and members. In fact, 88% of members say SilverSneakers has improved their quality of life.
The SilverSneakers benefit is not available on all plans. However, if you want to have access to SilverSneakers and are eligible for Medicare, you may have options. Here is some more information about SilverSneakers if you have TRICARE coverage and how you can take advantage of this benefit.
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Does Medicare Pay For At
One of the most burning questions eligible Medicare beneficiaries are asking today is whether or not Medicare will pay for at-home COVID tests, and rightly so. While not every Medicare beneficiary is home-bound, many are. Because the pandemic continues, it is crucial that we remain aware of changes to testing and treatment.
The convenience of at-home testing should be a noteworthy option worth exploring for those needing COVID or other testing, especially for those 65 years or older, and/or are at high-risk with health-related concerns. At-home COVID testing through Original Medicare coverage is not available at this time. What that means is Original Medicare will not cover or reimburse the purchase of an at-home COVID test from local retailers such as drug stores, grocery stores and the like.
Community health centers and Medicare-certified health clinics that offer at-home COVID tests free of charge. Thats a great savings perk since COVID tests can cost anywhere between $36- $180 dollars per test, plus any fees that may be included, or are extra for special medical circumstances.
If administering an at-home test requires the assistance of a medical professional-aide deemed necessary by a physician, Medicare will pay for such skilled nursing or therapeutic assistance at home.
COVID-19 Test Kits, Insurance, No Insurance and Federal Updates
COVID Testing and Employment
How Covid Tests are Delivered
Keeping Your Eyes and Ears Open
Seniors Steamed Over Cuts To Silversneakers Fitness Program
Navigating Aging focuses on medical issues and advice associated with aging and end-of-life care, helping Americas 45 million seniors and their families navigate the health care system.
To contact Judith Graham with a question or comment, .
John Garland Graves was taken aback when he walked into his McKinleyville, Calif., gym in October and learned that his SilverSneakers membership was being canceled.
Since 2014, Graves, 69, has enjoyed free access to the gym through SilverSneakers, the nations best-known fitness program for seniors. He was disturbed by the news, as are many other people who have recently learned theyre losing this benefit.
A controversial business decision by UnitedHealthcare, the nations largest health insurance carrier, is causing the disruption. As of Jan. 1, the company is dropping SilverSneakers an optional benefit for 1.2 million customers with Medicare Advantage plans in 11 states as well as 1.3 million customers with Medicare supplemental insurance in nine states .
Graves, who works out four to five days a week and has a UnitedHealthcare Medigap policy, decided to seek coverage elsewhere after the company raised his policys rates and eliminated SilverSneakers in California. He has signed up for a new policy with Blue Shield of California.
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Why Take Advantage Of Silver Sneakers
The Silver Sneakers program has both physical and emotional effects. You can lower cholesterol, blood pressure, lessen the side effects of diabetes, and have more energy just by walking 30 minutes a day. Working out can improve mental health by lowering depression and loneliness while meeting new people.
According to Pychs Central, researchers at the University of Chicago have found: the impact of loneliness on premature death is nearly as strong as the impact of disadvantaged socioeconomic status, which they found increases the chances of dying early by 19%
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Get A Medicare Gym Membership Today
Medicare isnt free, so having additional coverage is beneficial. Some plans include gym memberships.
Our agents can help you find a Medicare Supplement with access to a fitness program. You deserve the best rate on the coverage you want.
There are benefits to working out and living a healthy lifestyle. Here at MedicareFAQ, we can help you choose the best plan for you.
Call our team today for a quote! Not ready to call? Fill out an online rate comparison form and get one step closer to the best policy for you!
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Finding Medicare Transportation And The Best Plan For You
If Medicare transportation is a concern, a Medicare Advantage plan that includes this benefit might be the best choice for you. Compare Medicare plans in your service area to find the coverage that meets your needs and budget best.
The product and service descriptions, if any, provided on these eHealth web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.
Medicare information is everywhere. What is hard is knowing which information to trust. Because eHealths Medicare related content is compliant with CMS regulations, you can rest assured youre 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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Staying In Shape And Feeling Good Is Important At Any Age
Do you want to:
- help improve your blood pressure and bone health?
- better manage conditions such as diabetes or arthritis?
- take advantage of exercise and activity options at the gym, in classes and through videos at home?
- meet other active folks and make new friends?
|Medicare Part B excess charges|
|Foreign travel emergency|
Medicare Plan G will not cover your original Medicare Part B deductible, which costs $198 in 2020. You would pay for medical servicessuch as outpatient care, preventive care and ambulance servicesout of pocket until you have reached the deductible amount. Then Medicare would cover your health care costs.
I Am Retiring From The Military And I Will Become Eligible For Health Coverage Under The Tricare For Life Program How Does This Fit In With Medicare And How Does It Affect My Spouse
- You must pay Medicares Part B premiums. But you dont pay any premiums for TFL.
- TFL pays the other out-of-pocket costs of Medicare your deductibles and copays so that you get comprehensive coverage at minimal cost. You dont need Medigap supplemental insurance.
- TFLs prescription drug coverage is better and less expensive than Medicare Part D drug coverage, so you dont need to enroll in a Part D drug plan.
- When you use a medical service that is covered by both Medicare and TFL, Medicare pays first. The provider bills Medicare, which pays its share, and the rest of the claim is sent to TFL. TFL pays the remaining share of the bill directly to the provider.
- If you use a medical service thats covered by Medicare but not by TFL , TFL wont pay Medicares deductible or copay or anything else toward the bill.
- If you use a service thats covered by TFL but not by Medicare , TFL pays at the same rate as the TRICARE Standard program, and you pay its deductibles and copays.
See official information on the TRICARE For Life program.
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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 .
Plan Benefits Enhance Tricare For Life And Medicare Prescription Coverage
Optima Medicare Salute provides Virginia members the freedom to keep their existing VA or TRICARE for Life and Medicare prescription drug coverage while receiving extra benefits for $0 monthly premium. When you enroll in Optima Medicare Salute, you gain access to an entire team focused on providing quality healthcare – when and where you need it.
Optima Health is a service of Sentara Healthcare, recognized as one of the nations top 15 highest-performing health systems by IBM Watson Health®*2. As part of the Sentara system, Optima Health operates with the same missionto improve health every day.
Expand your VA or TRICARE for Life dental and prescription drug coverage with Optima Medicare Salute. You will receive all-in-one coverage with access to more than 35,000 providers and healthcare facilities, plus benefits including:
- SilverSneakers® – New
- Personal emergency response system
- Podiatry services
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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:
Silversneakers How Does It Work
SilverSneakers is a program encouraging older adults to participate in physical activities that will help them to maintain greater control of their health. SilverSneakers sponsors activities and social events designed to keep those 65 and older healthy while encouraging social interaction. As well as keeping you physically healthy, SilverSneakers can contribute to your overall well-being by connecting you to others in fitness classes and helping you stay social. According to SilverSneakers.com, 88 percent of SilverSneakers members say that SilverSneakers has improved the quality of their life.
SilverSneakers is available around the country, and membership provides access to any participating gym locationincluding all amenities included with basic level access. Each SilverSneakers location is outfitted with an advisor who will introduce you to the program and help get you started. SilverSneakers also includes an invitation to sponsored health education seminars and other fitness-related events.
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