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Medicare Supplement Plans With Silver Sneakers

Should Silver Sneakers Coverage Impact Your Medicare Coverage Choices

Is Silver Sneakers Part of Medicare?

No. While Silver Sneakers is a great plan, you should not make health insurance choices based on the program itself. You should always choose your Medicare plan and evaluate your Medicare coverage options based on your medical and health needs. Making sure your doctor is in-network or that your prescriptions and pharmacy are in-network is always more important than selecting a plan for the non-Medicare related benefits. There are a few reasons why.

Medicare Supplement Plan G

Medigap Plan G tops our list as one of the top Medicare Supplement plans in 2023. We like Medicare Plan G because it offers the second-highest level of benefits but at a lower monthly premium.

Medicare Supplement rates for Plan G range between $240 and $480 less each year compared to Plan F, the markets most comprehensive Supplement insurance plan. In addition, while Plan F has eligibility restrictions based on the date you could purchase Medicare, Plan G doesnt.

Once a beneficiary meets the Plan G deductible for each calendar year, the plan covers benefits at 100 percent.

Medigap Plan G is a good option for beneficiaries who:

  • Have a lot of office visits or pre-existing conditions
  • Require frequent emergency care
  • See health care providers not signed up with Medicare
  • Became eligible for Medicare on or after Jan. 1, 2020.

Benefits not included in Medigap Plan G or high deductible Plan G:

  • Part B deductible

How Is Silversneakers Different From Mutually Well

SilverSneakers is a senior-focused fitness program included in many Medicare Advantage plans and even some Medicare Supplement Insurance plans.

SilverSneakers includes a basic gym membership at thousands of participating gyms and fitness centers, most of which also feature group fitness classes and programs designed specifically for older adults, such as yoga, water aerobics, walking clubs and more.

Some Medicare plans dont offer SilverSneakers membership as a benefit but instead offer health and fitness benefits through programs such as Mutually Well or Silver & Fit.

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Live Online Classes And Workshops

The coronavirus has made it more challenging to incorporate physical activity into our daily lives. But now you can stay active without leaving home by accessing live classes and workshops on the SilverSneakers website. Each class and workshop is led by a SilverSneakers instructor and multiple classes are offered each day. Download this pamphlet to learn more or visit Go.SilverSneakers.com/Live.

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Can I Get A Medicare Supplement Insurance Plan With Silver Sneakers

Renew Active vs Silver Sneakers

A Medicare Supplement insurance plan is also known as Medigap. Private insurance companies approved by Medicare offer these plans. A Medicare Supplement insurance plan is designed to work alongside your Original Medicare benefits. It covers costs not paid by Part A and B, such as copayments, coinsurance, and deductibles.

A Medicare Supplement insurance plan may also offer a few additional benefits. Some plans cover pints of blood or medical care you need outside the country. You cannot get a Medicare Supplement insurance plan with Silver Sneakers at this time.

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How To Shop Rates With The Largest Medicare Supplement Companies

Enrolling in the best Medicare Supplement plan for your individual needs is essential. Work with a licensed insurance agent to ensure all your needs are met.

This will help you access all the plan options in your area and help determine which plans and insurance companies fit your situation.

Getting assistance is simple, call us at the number above or fill out our online request form. We have licensed insurance brokers ready to help that have access to the plans and largest Medicare Supplement companies available in your area.

Medicare Wellness And Silversneakers Programs

Home / FAQs / General Medicare / Medicare Wellness and SilverSneakers Programs

SilverSneakers is a program that helps keep seniors active and fit. You may have access to gym benefits now, and not know it.

The SilverSneakers program consists of gym memberships, group fitness classes, and access to well-trained instructors and reputable fitness centers. Many plans offer fitness benefits to their members.

Do you want access to a local gym or on-demand workouts? Are you Medicare-eligible? Below we will discuss the many possibilities, including cost, plans, and companies.

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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.

Cost Of Silver Sneakers

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

Select participating Medicare Advantage plans cover the cost of a Silver Sneakers membership. If an enrollee is eligible for a Silver Sneakers membership and the membership is included as a benefit in their supplemental Medicare plan, they pay no extra cost. The only costs included are the standard monthly Part B premium and MA plan premium because the Silver Sneakers benefit is linked to participating MA plans free-of-charge.

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Does Medicare Cover Silver Sneakers

Silver Sneakers is not a benefit offered under Original Medicare, also known as Part A and B. You can only get access to the program by signing up for private Medicare insurance, such as a Medicare Advantage Plan or a Medicare Supplement plan .

Not all Medicare Supplements and Medicare Advantage Plans offer Silver Sneakers and plans can opt in or out of the program as the plan chooses.

Medicare Advantage Plans are more likely to offer Silver Sneakers as a benefit. This includes Dual Enrollment participants that have both Medicare and Medicaid.

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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Be Active Stay Healthy With Silversneakers

Start using your SilverSneakers® fitness benefit now

Exercise is a key part of maintaining a healthy lifestyle and can even help support a healthy immune system. Because we care about your health, KelseyCare Advantage includes SilverSneakers®at no additional cost.

SilverSneakers gives you a variety of ways to keep moving and connect with others.

  • SilverSneakers Live. Join full-length, live classes and workshops on the SilverSneakers website via Zoom. Multiple activities led by expert trainers are available per day, and no equipment is needed.
  • SilverSneakers On-Demand. Access 200+ online workout videos, plus information on topics like nutrition, fitness challenges and more. Go to SilverSneakers On-Demand to view videos.
  • SilverSneakers GO mobile app. Find workout programs that can be tailored to your fitness level, schedule activities and get notifications to stay on track. Download the app today at SilverSneakers GO.
  • Memberships to thousands of participating locations. Visit as many as you want to use equipment, pools, and other amenities, and take group exercise classes at select locations. Find locations here.
  • Stay connected. Join friends at a location when you feel comfortable going out. Keep up-to-date with the SilverSneakers Facebook page. Sign up for the SilverSneakers newsletter for the latest program news.

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Does Original Medicare Cover Silversneakers

A Step

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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How Can I Enroll In An Aetna Medicare Advantage Plan With Silversneakers

You can find out which Aetna Medicare Advantage plans are available near you and whether or not they include a SilverSneakers membership.

You may enroll in an Aetna Medicare Advantage plan beginning 3 months before your 65th birthday, the month of your birthday or up to 3 months following your birthday. If you choose not to enroll at this time, you may be able to sign up for a plan during the Medicare Annual Enrollment Period, also called the Medicare Fall Open Enrollment Period, which lasts from October 15 to December 7 every year.

Find Silver Sneakers Gym Locations Near Me

Posted: Jul 22, 2021 · Silver Sneakers AARP Plans Silver Sneakers Humana United Healthcare Silver Sneakers Wellcare And many more. Contact your Medicare Advantage Plan provider to see if you meet Silver Sneakers Eligibility requirements. Stay Fit with gyms that accept Silver Sneakers. Remaining active is one of the best things Seniors can do to stay healthy. It

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How Does Medicare Plan G Work

Plan G is a supplemental Medigap health insurance plan that is available to individuals who are disabled or over the age of 65 and currently enrolled in both Part A and Part B of Medicare. Plan G is one of the most comprehensive Medicare supplement plans that are available to purchase.

Plan G is a supplemental policy, meaning itâs not your primary coverage but fills many of the gaps in a Medicare policy. Part A or Part B benefits pay for health services you may need.

Once Medicare pays its share, Plan G pays for most remaining costs.

Plan G also covers some of the expenses related to your Medicare policy. For example, Medicare Part A has a deductible of $1,556 in 2022. If you donât have Plan G, you pay that deductible out of pocket. But with Plan G coverage, your health insurer pays the entire deductible.

How Much Does Silver Sneakers Cost

Silver Sneakers Anthem Blue Cross Georgia Medicare Video

Silver Sneakers does not cost anything more than the premiums, if any, for your monthly plan. The insurance company pays the associated costs directly to Silver Sneakers.

Compare similar insurance policies, where the only difference is if Silver Sneakers is offered as a benefit or not, to make sure youre not overpaying for coverage only for Silver Sneakers.

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Which Plans Include Silver Sneakers

As indicated, some of the Medigap and Medicare Advantage marketers include Sneakers in your coverage when you sign up through them. The list of participating marketers is constantly changing but here are a few:

  • United Healthcare Medicare supplement through AARP

You can review the current list of marketers by usingthis link.

As best we can tell you cannot sign up direct with Silver Sneakers for a membership.

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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How To Enroll In The Silver& Fit Program

Certain Medicare Advantage and Medicare Supplement plans include the Silver and Fit program as a benefit. Some people may also get access through a group retirement health plan.

Silver and Fit eligibility depends on two criteria:

  • You must be 65 or older.
  • You must be enrolled in Medicare.

If you meet the eligibility requirements, you just need to be enrolled in a Medicare Advantage or Medicare Supplement plan that includes the Silver and Fit fitness benefit. To find out if youre eligible, you can check with Silver and Fit.

Youll need to accept the Terms and Conditions, then enter your first name, last name, and birth date. If youre eligible for the Silver and Fit program, follow the steps to enroll online.

Medicare Plan N Vs Plan G

11 Burning Questions About SilverSneakersAnswered!

When compared to Medicare supplement Plan N, Plan G provides more comprehensive coverage. Both policies will not cover the Part B deductible however, Plan N will not pay for expenses related to the Medicare Part B excess charges. Excess charges can occur when there is a difference between what is billed to Medicare for your treatment and what is actually paid by Medicare. This difference would be paid for you out of pocket if you had Plan N, for example.

However, since Plan N has less coverage, the monthly premium for the policy will be less than Plan G. For 2020, Plan N will cost between $149 and $289 per month.

Editorial Note: The content of this article is based on the authors opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

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Medicare Providers That Cover Silversneakers

Several large health insurance companies provide SilverSneakers membership at no cost to enrollees. This makes sense, as insurance providers have a financial interest in the long-term health of their customers and exercising has proven to have tremendous benefits. For this reason as well, many companies even incentivize this behavior by offering free perks to members, like gym membership or fitness classes.

Many private insurers include SilverSneakers in their Medicare Advantage plans. Some Medicare Supplement plans may cover it as well. However, this availability varies depending on the state you live in and the plan you subscribe to.

Coverage isnt offered in all 50 states. You can check your states availability on the SilverSneakers website.

For your reference, below is a rundown of the SilverSneakers offerings at four of the top Medicare carriers:

PROVIDER
Medicare Advantage and Medicare Supplement plans Coverage may not be available for all plans or in all states.

You might notice that one major provider isnt included on this list: UnitedHealthcare. UnitedHealthcare recently began rolling back its SilverSneakers coverage, replacing it with its own fitness program called Renew Active. Renew Active is available to most UnitedHealthcare Medicare Advantage customers, but SilverSneakers is still included on plans that havent yet added Renew Active.

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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Which Insurance Plans Include Silver Sneakers

If you are looking forward to starting a steady, exciting, and rewarding exercise program, Silver Sneakers may be a suitable option for you. Getting active and setting up an exercise regime is important to keeping good health and leading a well-balanced lifestyle. Some insurance plans even offer coverage for the Silver Sneakers program. If youre wondering how to enjoy the benefits of the extensive program and what your insurance offers, keep reading.

Lots Of Seniors Are Overweight But Few Use Free Counseling For It

AARP Dropping Silver Sneakers and ALTERNATIVES!

Altogether, more than 5 million customers have been affected. But the company is making market-by-market decisions, and nearly 675,000 UnitedHealthcare Medigap policyholders and 1.9 million UnitedHealthcare Medicare Advantage plan members will retain access to SilverSneakers in 2019.

I think its a smart move, said Connie Holt, an independent broker with Goldsum Insurance Solutions of Pleasant Hill, Calif.

But many of the companys customers arent happy that SilverSneakers, which offers group classes tailored to seniors in addition to gym access at 15,000 sites, is disappearing. And confusion about alternatives is widespread.

Its one of the top topics that seniors have been raising over the past few months when they call Ohios Senior Health Insurance Information Program, said Chris Reeg, the OSHIIP program director.

Michael Chanak Jr., 69, of Wadsworth, Ohio, had problems getting through to UnitedHealthcares customer relations department several times when he called with questions a common complaint. The way this is being implemented is a train wreck, said Chanak, who has a UnitedHealthcare Medicare supplemental policy and spends an hour every day exercising at his gym.

People are extremely upset, wrote Margaret Lee of Arroyo Grande, Calif., in an email. Thats about the only topic of conversation at my water exercise class!

In an email, Mark Bagley, a spokesman for the organization, said , not AARP, operates these plans and determines the benefits.

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Is Silver& Fit The Same As Silversneakers

Silver& Fit is similar to and is sometimes mistaken for another Medicare fitness program called SilverSneakers.

Both companies offer group fitness classes and exercise opportunities to improve general fitness, strength, flexibility, and walking ability. Both also partner with Medicare Advantage and Medicare Supplement plans to provide their benefit. Eligibility for both programs is generally the same.

SilverSneakers offers benefits at more than 17,000 locations nationwide and offers seven types of classes including classic, circuit, cardio fit, boom programs, splash, stability, and yoga.

The main difference between the two programs are locations, types of classes, and home fitness availability.

Before committing to one or the other, its probably best to see which one gives you access to more locations in your immediate area. If you dont have a gym or fitness center in your immediate area, or you cant go to a gym for any reason, Silver& Fit offers home fitness kits so you can exercise at home.

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