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Medicare Plan F Silver Sneakers

Which Insurance Plans Cover Silversneakers

Silver Sneakers and Medicare – Is it covered by your Medicare Plan?

Below you will find some of the many insurance companies that offer SilverSneakers as a covered benefit.

Aetna

United Healthcare

Wellcare Health Plans

These private insurance companies offer either a Medicare Advantage plan or a Medicare Supplement plan that includes SilverSneakers. Keep in mind insurance plans vary based on where you live, and not every company will offer plans that include SilverSneakers. Each plan varies, so check to see if the plan you choose to enroll in offers the benefit.

To find out which plans available in your state include SilverSneakers, you can ask your insurance representative or visit the SilverSneakers website. You may also call SilverSneakers directly at 866-584-7389 or email at .

Silver Sneakers Medicare Program

The Silver Sneakers Medicare fitness program is a very attractive benefit to many beneficiaries. Its also attractive to many insurance companies that supplement Medicare.

These insurance companies offering Medicare supplement and Advantage plans also know that fitness, wellness and prevention go along way toward reducing claims costs. Thats why some Medicare plans these days have partnerships with fitness programs like Silver Sneakers.

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What Is Renew Active

Renew Active is similar to SilverSneakers but also incorporates brain health into the activities offered.

UnitedHealthcare Medicare plan members with a Renew Active benefit can use the Find a Fitness Location search tool to find a gym or fitness center in their area thats part of the Renew Active program. Members also have the option of working out from home using Fitbit Premium with thousands of online workout videos.

A wide range of national chain gyms, local gyms and community organizations like senior centers are part of the Renew Active program. Some locations may feature additional amenities such as pools or saunas that members can use as part of their Renew Active benefits.

Renew Active participants receive a 1-on-1 session with a personal trainer to set fitness-related goals and form a personalized fitness plan. Members will meet with the trainer on an annual basis to track their progress and review their goals.

Activities may include:

  • Zumba

Locations with a pool may incorporate water aerobics, swimming and other pool activities.

UnitedHealthcare also partners with AARP for the Staying Sharp program, which helps members exercise their brain.

Participants start by taking a brain-health assessment and receiving personalized recommendations based on the results. Recommendations can include puzzles, games, activities, recipes and articles made available to members all designed to boost brain health.

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What Medicare Supplement Plans Does Mutual Of Omaha Offer

Medicare Supplement Insurance, or Medigap, provides coverage for some of the out-of-pocket costs that are required by Original Medicare . These costs can include deductibles, copayments and coinsurance that can be covered in part or in full by some types of Medigap plans.

Medicare Supplement Insurance coverage is standardized by the federal government, and there are 10 different types of standardized Medigap plans available in most states across the country.

Mutual of Omaha sells Medigap Plans A, F, G and N, along with high-deductible Plan F.

The chart below shows the different types of Medigap plans and the benefits they offer.

Medicare Supplement Insurance Plans 2022

You can learn more about Mutual of Omaha Medigap plans, find out what they cover and find an option that includes the Mutually Well fitness program by comparing Medigap plans that are available where you live.

What Is Silver Sneakers

What is SilverSneakers?

Silver Sneakers is a completely free-to-use fitness program for Medicare beneficiaries. Seniors nationwide with a Silver Sneakers membership have unlimited access to over 14,000 gym locations where they can participate in healthy physical activity. If the gym accepts Silver Sneakers membership, you can exercise at their facility completely free.

Some gyms even hold Silver Sneakers fitness classes. These are exclusive to Silver Sneakers members, so you wont have to worry about showing up the twenty-three-year-old next to you.

Dont like the gym? Dont worry, Silver Sneakers has a program called FLEX. Fitness classes with FLEX are held outside of the gym in places like parks, community centers, and churches. These classes have options that are alternatives to your typical visit to the gym. You can attend classes for all kinds of options, such as hiking, swimming, and yoga.

You can visit the Silver Sneakers website to find FLEX activities near you.

Lastly, we should also mention that Silver Sneakers sometimes offers invitations to members to attend health seminars and other wellness-related vents. The program places high value on being a friendly community that motivates members. They want you to become involved to reap those benefits.

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How Do I Enroll In An Aetna Medicare Advantage Plan

To learn more about Aetna Medicare Advantage plans in your area that offer SilverSneakers membership, or to enroll in an Aetna Medicare Advantage plan, speak with a licensed insurance agent. You can reach one by calling 1-877-890-1409TTY Users: 711. They’re available 24 hours a day, 7 days a week.

More than 26 million people are enrolled in a Medicare Advantage plan.3

The Centers for Medicare and Medicaid Services releases annual Star ratings for Medicare Advantage plans. For 2022, Aetna Medicare Advantage Prescription Drug plans earned an overall weighted average rating of 4.29 out of 5 stars. The majority of Aetna Medicare plan members are in a plan rated 4.5 stars or higher out of 5 stars.4

What Does Silversneakers Offer

SilverSneakers provides a variety of programs for seniors looking for a healthier lifestyle. Not only is the programming top notch, it is freely available to anyone who qualifies! Members can access a wide variety of classes for all types of fitness goals or needs. Some of these include yoga, weightlifting, cardio and swimming. Each class is tailored to each member, even their physical limitations.

Each gym offers an array of equipment available to each member. Class-based instruction may not be what fits some, so a full gym of equipment is open for use. Members can also use the SilverSneakers mobile app to track their workouts, in and out of the gym. Certified trainers will always be there to support your plan, even if it is not in a class setting.

Outside of the gym, members are provided with 24/7 online training videos, allowing members to work out even when the gym is closed. Social gatherings are also available to members who want to meet up outside of a workout.

Every facility offered to members is available for use. If youre on vacation and looking for a workout, you can use a nearby SilverSneakers gym to keep working toward fitness goals. New members should not be intimidated, either. SilverSneakers offers plenty of programs for members who have not been to the gym in a while.

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Medicare And Gyms: Silver Sneakers And Alternative Gym Programs

Every Senior knows that exercising is one of the healthiest activities to take on once becoming Medicare eligible. Joining a gym is a great way to work out but who will pay for it? With Silver Sneakers or a similar gym benefit, you may find that your Medigap or Medicare Advantage plan will.

We will go over how Silver Sneakers allows anyone with a participating Medigap or Medicare Advantage can access to gyms with little or no additional fees. We will show you how to enroll and review some lessor known free gym alternatives for those who are Medicare eligible.

Getting The Most Out Of Your Medicare Insurance

SilverSneakers and Open Enrollment: What You Need to Know

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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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:

  • Aetna

What Kinds Of Fitness Classes Does Silversneakers Offer

SilverSneakers has a lot of classes available for every physical activity level. Whether its a stability class to improve balance and prevent falls, a water exercise class for low-impact aerobic workouts, a yoga class to increase flexibility, or an athletic, upper-body conditioning class to build strength, SilverSneakers offers quite a few options.

If youd rather work out from home, there are also SilverSneakers on-demand videos, and an app called SilverSneakers GO that includes exercise videos.

If you want the community and the classes but dont care for the gym environment, the SilverSneakers program offers more than 70 kinds of classes through its FLEX networkin churches, community centers, or recreation centers.2 In addition to being outside a gym , FLEX classes are typically smaller than gym offerings, and the instructors personal contact info is available for students to call and ask questionsor just get to know them. You can see what FLEX classes are available in your area with their FLEX locator tool.

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Whats Better About Silver Sneakers

To start, if you are someone who likes to do workouts at home, and likes to stream different workouts online, Silver Sneakers has more to offer you in this area. Their online on-demand workout section boasts hundreds of online workouts available.

Also, Silver Sneakers seems to have the larger network of physical fitness facilities at this time.

Finally, multiple Medicare insurance company plans use SilverSneakers. This means your coverage might not change if you change Medicare plans.

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Silversneakers Eligibility And Coverage Areas

The Medicare Benefit You Didn

Any Medicare-eligible individual age 65 years or older is eligible for SilverSneakers. However, to actually get this coverage, you have to be officially enrolled in Medicare Advantage or a Medicare Supplement plan that offers membership to the program.

It is important to note that some insurance carriers only offer SilverSneakers to customers in certain states and/or zip codes, so be sure and check your providers coverage area to find out whether or not youll get access to SilverSneakers.

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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.

Does Original Medicare Cover Silversneakers

Original Medicare does not provide the SilverSneakers program as a benefit.

However, if you are eligible for Medicare Parts A and B, you have the choice each year to forgo Original Medicare and choose a Medicare Advantage plan instead. Many Medicare Advantage plans offer SilverSneakers at no extra cost to their members.

Some Medicare Supplement plans offer SilverSneakers as well. Although supplement plans generally do not offer additional benefits on top of what Medicare Part A and Part B cover, SilverSneakers is a benefit that some Medigap plans are able to add to your existing Medicare coverage.

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Which Gyms Are Included

There are over 14,000 gyms that accept the SilverSneakers program. Silversneakers.com, such as Snap Fitness, 24-hour fitness, AnytimeFitness, Planet Fitness, and the YMCA.

The official website for Silver Sneakers can help you find a gym near you. Though many gyms participate in the Silver Sneakers program, you can find some parts of the country where it is less active. Make sure to compare your options before you sign up.

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Will Unitedhealthcare Offer Any Fitness Benefit In 2020

Get Fit on the Side

Yes. Starting in 2020, UHC will offer new fitness benefits* with some plans. As plans can vary in every zip code, ask your licensed agent whether or not this benefit can apply to you!

Medicare beneficiaries with certain UHC Medigap plans may feature a fitness benefit that includes gym membership discounts and phone access to wellness coaches along with other health resources.

Medicare Advantage policyholders may be able to join a program called Renew Active, which will replace SilverSneakers® in January 2020. The Renew Active benefit may include access to fitness centers, classes, and group activities along with tools to exercise your brain health.

*Always check with your doctor before starting any fitness program to make sure the program suits your individual needs.

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How Much Does It Cost

The SilverSneakers program is a free extra benefit for many Medicare Advantage plans and some Medicare Supplement plans . These plans all have different prices, but fitness benefits will never be offered for a fee. The price of these plans can vary a lot depending on your location and other factors, so it is useful to compare them locally.

You can think of the cost of SilverSneakers and similar plans in two specific ways, aside from the price of the plans. First, Silver Sneakers can save you money on the services you use: gym memberships, classes, and so on. Also, SilverSneakers and other programs can help to reduce future medical expenses by improving your health and fitness levels. This can result in lower healthcare costs.

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What Is Mutually Well

Mutually Well is a healthy lifestyle program designed for adults ages 50 and over that includes the following perks for Mutual of Omaha Medigap members.

  • DiscountsMembers can save on healthy living products and services. Members can save money on chiropractic care, acupuncture, massage therapy, personal training, fitness equipment and meal programs from more than 20,000 nationwide specialists and partners.
  • Mobile appThe Mutually Well mobile app allows you to create and follow a plan for healthy living. Set goals, receive a weekly plan and use the app to get discounts when visiting providers for care. The app is available on both Apple and Android devices.
  • Gym membershipMembers have the option of purchasing a gym membership for $25 per month that grants access to more than 10,000 fitness locations nationwide. The membership includes group classes and comes with no annual gym contracts or enrollment fees. You can cancel or restart your gym membership at any time with no penalty.

You can use the online Mutually Well gym location search tool to find a participating Mutually Well gym location near you.

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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.

What Type Of Services Does Silver Sneakers Medicare Cover

Silver Sneakers Eligibility Requirements for Medicare

Once youre a Silver Sneakers member you have access to all the benefits. That is the beauty of the program.

Below are some of the conditions / scenarios that Silver Sneakers uses exercise to help their members:

  • Bereavement
  • Stroke Recovery
  • Joint replacements

Its amazing how much exercise can help with any of the pre-existing conditions or scenarios listed above as well as many others. This is one of the key reasons why Silver Sneakers partnership with the Medicare Advantage community has been so successful. Without a wellness benefit, Medicare beneficiaries would be on their own to stay fit.

Sometimes it just takes getting out of the house to clear your mind. The team at each Silver Sneakers location is dedicated to helping you achieve your goals and keep you on a realistic track to health and wellness.

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What States Is Blue Cross Blue Shield In

The 36 independent and locally operated Blue Cross Blue Shield companies deliver health insurance coverage to one in three Americans across all 50 states, the District of Columbia and Puerto Rico. In addition, the BCBS Federal Employee Program® insures over five million federal employees, retirees and their families.

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Do Medicare Supplement Plans Cover Silversneakers

Medicare Supplement plans are designed to help pay out-of-pocket costs with Part A and Part B . If something isnt covered by Original Medicare, it usually isnt covered by a Medicare Supplement plan. Medicare rules prohibit Medigap plans from offering extra benefits, but gym memberships such as SilverSneakers are the rare exception to the rule.

In some states, the major Medicare Supplement insurers such as Humana, BlueCross Blue Shield, AARP include SilverSneakers membership with some Medigap plans. These instances are few and far between though, as most Medigap plans do not include SilverSneakers, especially those offered by smaller insurance companies.

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