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.
Do I Qualify For Silversneakers
Eligibility for SilverSneakers is simple. In order to be eligible, you must be:
- At least 65 years old, or under 65 and eligible for Medicare
- A resident of the U.S.
- An enrolled member of a private Medicare Advantage plan that offers the SilverSneakers benefit
Be sure to talk to your doctor before starting a new fitness and exercise program.
How Do I Choose A Plan That Includes Silversneakers
Keep in mind you should always choose your health plan based on the medical benefits it offers, not simply because the plan includes SilverSneakers. While a free gym membership is a valuable benefit, medical costs can add up quickly and can become a much larger burden if you don’t have the right insurance plan for your medical needs.
When comparing Medicare plans, consider the following four factors:
Consider prescription coverage, vision, dental, hearing aids or other amenities you may need.
Consider monthly premiums, deductibles, copays, coinsurance and annual out-of-pocket limits.
Determine whether your current or preferred providers are included in the local network of the plan you choose.
Medicare Star Ratings can help you identify plans that offer the highest quality care and which plans’ members report greatest satisfaction with their plan.
Once you’ve identified a few health plans that meet your medical and budgetary requirements based on the above criteria, you can determine which of those plans offer the added benefit of the SilverSneakers program.
Staying physically active is important for maintaining your health as you age, and SilverSneakers is a great way to get moving. After all, it’s fun, free and convenient. That’s a win for everyone.
Courtney Schmidt is a medical communications professional and clinical pharmacist with pediatric and adult hospital experience.
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Does Medicare Supplement Plan G Cover Gym Memberships
Staying in shape is important at any age, but its especially important when you start to age. One easy way to accomplish this is to go to the gym. But this can get expensive, especially if you dont use it a lot. Does Original Medicare or Medigap coverage include gym memberships? Well reveal the answer below.
Does Original Medicare Cover Gym Memberships?
Unfortunately, gym memberships are not on the list of covered expenses under Original Medicare. It wont cover fitness program fees or gym memberships. This means you pay 100% of the costs associated with it if you plan to get a gym or fitness program membership. However, you may be able to get help with some of the costs if you have a specific Medicare Supplement policy.
How Medicare May Cover Gym Memberships
Plan G may cover certain gym memberships, but Plan G plans have been scaling back on covering gym memberships due to lack of use.
However, people who have enrolled in Medicare Advantage plans can have access to gym membership coverage under a specific program. To date, United Healthcare, Humana, Anthem Blue Cross and Blue Shield, Aetna, Gateway, Coventry, and WellCare all participate in a senior-specific gym membership program called Silver Sneakers in most states. United Healthcare is scaling back their coverage in certain states due to non-use, but its still available in some places.
The SilverSneakers Program
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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What Medicare Supplement Plans Include Silversneakers
Most Medicare Supplements do not offer SilverSneakersÂ®, but as of 2021, some plans are starting to include this free fitness membership program.
Blue Cross and Blue Shield in Illinois, Texas, Oklahoma, and Montana has a product called Plan G Plus, which includes SilverSneakersÂ® benefits along with other perks like $0 dental, vision, and hearing exams.
Any innovative benefits offered with Medigap plans must be approved by the state, so not all states have access to Plan G Plus.
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.
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What Insurance Plans Include The Silversneakers Fitness Program
SilverSneakers is a popular fitness program offered through select Medicare plans to adults ages 65 or older. Members get access to exercise classes and events held at their local gyms or fitness facilities.
Members can also participate from home using the programs on-demand video library.
The program is not covered by all parts of Medicare, and not every private insurance provider offers it as a benefit. In this guide, we will outline which providers include it in their coverage, what parts of Medicare cover it, program eligibility and more.
Several large health insurance companies provide SilverSneakers membership at no cost to enrollees.
What Does Silversneakers Membership Include
The available amenities and fitness activities can vary by location. But some of the options that may be accessible to SilverSneakers members include:
- Group exercises
- Organized classes such as yoga, tai chi and many more
- Equipment for cardiovascular and strength training
- Education about health and nutrition
- Social activities and events
- Sports teams and leagues exclusively for seniors
Plus, youll have access to facility amenities such as saunas, hot tubs, pools, basketball courts and more.
If theres no SilverSneakers location near you, you may be eligible for a home exercise kit. The kit includes a workout DVD and any associated equipment you might need.
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What Are The Best Medicare Advantage Programs
Companies that consistently offer highly rated Medicare Advantage plans in multiple states include Anthem Blue Cross and Blue Shield, Blue Cross and Blue Shield, Essence Healthcare, Health Alliance Medicare, Health Partners, Humana, Kaiser Permanente, Martins Point Generations Advantage, Medical Insurance Company, MVP HEALTH CARE, Providence Health
Contact Us For Quotes Coverage & Enrollment
Hyers and Associates is an independent insurance agency specializing in Supplements, Advantage plans and Part D coverage. We help our clients compare and contrast all of their options. Well tell you which plans offer Silver Sneakers and discuss whether or not this value-added benefit puts one plan on top of another. Contact us today!
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Blue Cross To Offer Silver Sneakers In Oh Co Il And Me
Ohio, Colorado, Illinois and Maine Medigap now offers Silver Sneakers
Note from Nov 2020. This is an older article. Blue Cross no longer offers these benefits in many states including some of those listed below. Check our Silver Sneaker lookup to learn more.
Effective Jan 1, 2017: Anthem Blue Cross and Blue Shield has added Silver Sneakers to their Medicare Supplement Plans in Ohio, Colorado, Illinois and Maine.
Silver Sneakers is a program that offers free or low cost gym memberships at more than 13,000 facilities for eligible enrollees in participating plans. You must be Medicare eligible to enroll in a plan.
Please Note: This is not an exhaustive list of states that offer Silver Sneakers and benefits are subject to change. To check which plans in your area that cover Silver Sneakers, use our silver sneakers search tool or give us a call at 800-930-7956
To learn more about Anthem BCBSs Medicare Supplement plans, call one of our Senior65 licensed independent insurance agents at the number above.
Which Parts Of Medicare Cover Silversneakers
Original Medicare does not cover gym memberships or fitness programs. Since SilverSneakers falls under this category, original Medicare doesnt cover it.
However, gym memberships and fitness programs, including SilverSneakers, are often covered as an additional benefit in Medicare Part C plans.
Private insurance companies approved by Medicare offer these plans.
Part C plans include the benefits covered by Parts A and B. They also typically have additional benefits like dental, vision, and prescription drug coverage.
Some Medigap policies will also cover gym memberships and fitness programs. Like Part C plans, private insurance companies offer Medigap plans. Medigap plans help to cover costs that original Medicare doesnt.
SilverSneakers members have access to the included benefits free of charge. Youll have to pay for anything that isnt covered in the SilverSneakers program.
If youre unsure about whats included at a specific gym, be sure to ask.
Additionally, its important to note that the specific amenities and classes available to you can vary by gym. You may have to search for a participating gym that meets your specific fitness needs.
SilverSneakers is a fitness program specifically geared toward older adults. It includes:
- access to gym facilities
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Does Aetna Supplemental Insurance Cover Silver Sneakers
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Follow these easy steps:
- Step 1. Go to does aetna supplemental insurance cover silver sneakers page via official link below.
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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 1-877-890-1409 1-877-890-1409 TTY Users: 711 24 hours a day, 7 days a week.
Not every Medicare Advantage plan whether through Aetna, or a different private Medicare-approved insurance company offers SilverSneakers. An Aetna Medicare Advantage plans SilverSneakers membership may also include the FLEX program, which is a network of senior fitness classes such as line dance, Latin-style dance, walking groups, and more.
Is Silver Sneakers Included In Any Supplement Plans
There are more than 60 health plans across the country that include Silver Sneakers, so it would make sense that some Supplement plans would include them. Supplement plans for Medicare subscribers are also known as Medigap plans, and these cover common medical expenses like blood usage, deductibles, copayments and more. Silver Sneakers is not a requirements for any of the 10 different kinds of Supplement plans, but private insurers that sell the plans are allowed to include them in their Supplement plans, if they want.
Only a fraction of insurance providers will include Silver Sneakers in 2020 Medicare Supplement plans, and you will need to check to see if this program is a part of any plan you are intending to sign up for. Its something that may be covered on the companys website, if they are operating in a single state. For nationwide insurance providers, such as Aetna, CIGNA, AARP and others, you will need to use a Silver Sneakers search tool to find out of they offer this program as part of their plans.
There are definitely Supplement plans that include it, but its inclusion is not the norm. It is far more common to find this program included in Medicare Advantage plans, but since both kinds of plans cater to seniors, it makes sense to have Silver Sneakers in both of them.
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What Are The Plans For Medicare Advantage
There are several types of Medicare Advantage plans, such as Health Maintenance Organization plans, Preferred Provider Organization * plans, Private Fee-For-Service plans, and Special Needs Plans . Other Medicare Part Advantage plan options include HMO Point-Of-Service plans and Medical Savings Account plans.
Medicare Advantage Plans Including Silver Sneakers
There are many, manyMedicare Advantage plans affiliated with Silver Sneakers. Your options will depend on where you purchase your insurance. If you would like to see which insurance companies in your state include this plan, view theparticipating health plans here.
Its not uncommon to see both large and small insurance companies include this popular benefit. Large carriers like Aetna, Anthem Blue Cross & Blue Shield, Coventry, Gateway, Humana, United Healthcare and WellCare participate in most states.
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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.
What Is The Silversneakers Program
SilverSneakers is a program that promotes exercise and fitness routines for older adults. The program promotes physical health by offering free or discounted memberships to public and private gyms across the country. If youre not a fan of the gym or live far from a fitness facility, SilverSneakers offers at-home classes and equipment to make exercise accessible to all.
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What Is The Best Medicare Supplement Insurance Company
The best Medicare Supplement companies by size are: 1. Mutual of Omaha 12.2% of Medigap premiums 2. Health Care Service Corporation 7.2% of Medicare Supplement premiums 3. Anthem 6.1% of Medicare Supplement premiums 4. Aetna 5.6% of Medicare Supplement premiums 5. Colonial Penn Life Insurance 2.3% of Medicare Supplement premiums
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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.
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.
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Silver And Fit Vs Silversneakers
While both Silver and Fit and SilverSneakers are available through Medicare, there are some key differences that set each program apart. Eligibility is the same, so it is up to the user which one they prefer.
SilverSneakers, by far, has more locations available to seniors, with 17,000 gyms available. Silver and Fit has about 11,000 locations nationwide. Despite the lack of locations on the part of Silver and Fit, they provide 17 different home fitness kits that allow seniors to work out on their own time from the comfort of their home. This is great for people who do not want the instructor style of workout, which is what SilverSneakers excels at. Along with instructor-based fitness in a SilverSneakers gym, they offer instruction outside of the facility in classes such as yoga and Tai Chi.
Benefits Of Silver Sneakers
Social interaction and physical activity becomes more important the older you get. SilverSneakers makes this their goal when providing their services. Seniors will have a safe place to interact and exercise with other seniors.
Social interactions can have a major impact on well-being, especially for seniors. The older you get, the harder it is to get out and socially interact. SilverSneakers promotes this social interaction. In addition to workout classes, gatherings are held for members who want to get together and relax. Socializing is a major way to fight depression, which can be an issue for seniors. Mental and physical well-being go hand-in-hand, which is a major goal for SilverSneakers.
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