What Else Do Cigna Medicare Advantage Plans Include
While Silver& Fit is an attractive perk, its just one of many benefits included in Cigna Medicare Advantage plans. In addition to having all of the same coverage as Medicare Part A and Part B, a Cigna Medicare Advantage plan may also include:
- Discounts or allowances for over-the-counter health products
- Non-emergency medical transportation
- Vision coverage that includes discounts on LASIK eye surgery
- Hearing care and hearing aid coverage
- Home-delivered meals
Medicare beneficiaries under the age of 65 may be able to enroll in a Medicare Advantage plan if any are available where you live.
Cigna offers Special Needs Plans in some arease, which are Medicare Advantage plans designed for people with certain disabilities or health conditions.
A licensed insurance agent can help you find a Cigna Medicare Advantage plan near you that includes a Silver& Fit membership. And if there are no Cigna plans in your area, an agent can help you find Medicare Advantage plans offered by other carriers that include Silver& Fit, SilverSneakers or other similar fitness benefits.
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.
What Is Silver Sneakers & Why Should I Be Interested
More than 60 health plans nationwide have partnered with Silver Sneakers to include this valuable benefit. Some of these include AARP Silver Sneakers , but they have discontinued this relationship in several states.
Many Medicare supplement and Medicare Advantage insurance plans include this benefit at no extra cost.
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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.
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:
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Learn More About The Silversneakers Health And Fitness Program
Call SilverSneakers toll-free at , Monday – Friday 8 a.m. – 8 p.m. . For assistance on Saturday or Sunday, call Priority Health Medicare at , from 8 a.m. to 8 p.m.
Find a participating fitness center near you on the SilverSneakers website. There are thousands of SilverSneakers locations nationwide2 so you can exercise while you’re traveling, too. You can visit as many locations as you wish.
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.
- 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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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 didnât.
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 didnât 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.
Does Medicaid Cover Any Gym Membership
One of the extra advantages that Medicaid might provide is a gym membership. This varies by state, so the best thing you can do is ask your Medicaid reps or your health insurance provider for further information.
Some states have enough money in their budgets to cover the costs of gym memberships, which is generally excellent news given how beneficial working out can be for the avoidance of health problems.
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How Can A Silversneakers Plan Benefit You
According to the U.S. Department of Health and Human Services, adults should perform 150 minutes of aerobic exercise plus two days of muscle-strengthening activity every week, even just a few SilverSneakers lessons can help you achieve this.
SilverSneakers’ services and communities help seniors connect with one another. It aims to assist seniors in overcoming loneliness and social isolation.
One 2018 survey found that 60% of SilverSneakers members stated they developed valuable ties with other members. It also found that the program improved the quality of life for 80% of people.
SilverSneakers members reported:
Who Is Eligible For Silversneakers
Though SilverSneakers is designed for people ages 65 and older, there is no age requirement. You simply have to have a Medicare Advantage or Medigap plan that participates in the program. If youre not 65 but have a disability or other reason for having a Medicare Advantage or Medigap insurance plan, youre still eligible for the SilverSneakers program.
If you are not yet enrolled in Medicare, but are looking for Medicare Advantage or Medigap coverage, ask if a plan includes SilverSneakers membership before making your purchase.
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Which Parts Of Medicare Cover Silver Sneakers
None of the parts of Medicare cover Silver Sneakers. Silver Sneakers is a private company that markets to private insurance companies to offer additional benefits to you. Medicare Part C or a Medicare Supplement Plans may offer Silver Sneakers as a benefit, but are not required to do so by Medicare and can end participation in the program at the plans discretion.
Silver Sneakers offers a tool that allows you to look up which Medicare Supplement and Advantage Plans offer Silver Sneakers as a benefit.
What Does Silversneakers Include And Exclude
SilverSneakers membership classes are designed for elders and range from chair-supported yoga to high-intensity interval training sessions.
Typically, membership provides access to:
All SilverSneakers network classes.
Not only can you work out at the various SilverSneakers gyms, but a member can also access the hundreds of online guided workouts at the SilverSneakers website.
These videos include:
A basic membership plan means youll have access to all SilverSneakers facilities that participate in the network. However, keep in mind that different locations will offer different facilities, amenities, and classes.
Membership does not cover personal services or training. If you choose to use these additions, you will have to pay out-of-pocket.
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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.
Tuition Rewards Through Silversneakers
Your workouts can add up to big savings. You can save thousands of dollars on tuition for your grandchildren’s education just by going to the gym. Each time you visit a participating location you can earn points for discounts to hundreds of colleges and universities.
You can save up to one full year’s worth of tuition costs for each student you enroll. If you designate multiple students on your account, simply set up a ratio to designate how much you’d like each loved one to receive. See the list of over 400 participating college and universities in 45 states.
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What Parts Of Medicare Cover Silversneakers
The SilverSneakers program is not included under all parts of the Medicare umbrella. Namely, Original Medicare does not offer the program as a benefit.
However, Medicare Advantage plans might provide coverage depending on the provider you use. SilverSneakers is included as a bundled benefit in most Medicare Advantage plans, which also offer extra perks like vision, hearing, and dental coverage.
Medicare Supplement plans may also provide SilverSneakers membership as a benefit. These plans are designed to fill the gaps for services that arent covered under Original Medicare. But again, it will depend on your providers particular benefits package.
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.
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Silversneakers Eligibility And Coverage Areas
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.
Silver Sneakers Video: Great At Home Exercises
Its not just about the SilverSneakers classes gyms offer. Its about how they train you on maintaining a healthy lifestyle. While they offer programs like Silver Sneakers Yoga, Silver Sneakers Classic, Silver Sneakers Circuit, BOOM and many more, they offer an entire line of videos to help you learn the best way to exercise.
As a senior citizen its important to maintain your cardiovascular and joint health as you get older.
Below are some of the most popular Silver Sneakers videos you can watch from the comfort of your own home.
Silver Sneakers YOGA, One of the Best Senior Fitness Programs.
Silver Sneakers Outdoor Total Body Workout: Great Fitness Programs for Women
Silver Sneakers Hip Exercises: Bodyweight exercises to strengthen your hips
Silver Sneakers Quick Core Workout at Home
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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 youâre currently enrolled in a Medicare Advantage plan, you may want to contact your planâs 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.
What Is A Silversneakers Program
Many Medicare Advantage Plans and some Medicare Supplement Plans include a SilverSneakers benefit for their members. SilverSneakers is a health and fitness program that is specifically aimed at adults aged 65 and older.
SilverSneaker benefits include:
The use of participating gym facilities .
Fitness classes designed for older adults of any fitness level .
Access to online resources .
Fitness programs not only help to improve your overall health, but may also lower your overall healthcare costs. For older people, exercise is an important activity. Maintaining physical activity can help you:
Preserve mobility and physical function.
Improve your mood.
Make daily tasks simpler.
The program caters to adults aged 65 and over. However, it is also available to younger people with Medicare Advantage Plans. The great thing about SIlverSneakers is that members can visit thousands of gyms and fitness facilities across the country.
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Medicare Insurance Plans With Silver Sneakers
Many of our clients ask about the free Silver Sneakers gym membership and how to qualify when shopping for supplemental insurance plans. It can save members a lot of money.
Some insurance companies offer this valuable benefit, but many do not. And availability will depend on where you live. We help our clients compare the Medicare insurance policies offering this perk while crunching the numbers to make sure they arent overpaying for their coverage.
Should Silver Sneakers Coverage Impact Your Medicare Coverage Choices
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.
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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.
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