Which Medicare Supplement Plans Include SilverSneakers?
SilverSneakers may be available with certain Medicare Supplement policies, but eligibility depends on the insurance company, exact product and location.
Call or text The DeAngelis Agency at 215-967-8828.
The short answer: No Medicare Supplement plan letter automatically includes SilverSneakers. A Plan G or Plan N from one insurance company may include SilverSneakers, while the same plan letter from another company may provide a different fitness program or no fitness benefit.
In Pennsylvania, certain Humana Medicare Supplement products may include SilverSneakers. Highmark may offer fitness benefits through an additional wellness package. AARP Medicare Supplement plans insured by UnitedHealthcare generally use Renew Active instead of SilverSneakers.
People often ask which Medicare Supplement plans include SilverSneakers because they want gym access while keeping the provider freedom available with Medicare Supplement insurance.
The important distinction is that Medicare Supplement benefits are standardized by plan letter, but additional fitness and wellness benefits are determined by the insurance company. These additional benefits can vary by product and location and may change in the future.
The DeAngelis Agency can compare the premium, household discount, company, exact product and available fitness benefits before you apply.
Which Medicare Supplement Companies May Include SilverSneakers?
| Insurance company | Fitness benefit | What you should know |
|---|---|---|
| Humana | Certain products may include SilverSneakers | Humana Standard and Humana Achieve are different products. SilverSneakers should not be assumed to be included with every Humana policy. |
| Highmark | Fitness benefits may be available through Whole Health Balance | The wellness package may have an additional cost and can include benefits beyond gym access. |
| AARP/UnitedHealthcare | Generally offers Renew Active | Renew Active is a separate fitness program and is not SilverSneakers. |
| Aetna | Benefits vary by product and location | Do not assume an Aetna Medicare Supplement policy includes SilverSneakers without checking the exact product. |
| Other companies | May offer SilverSneakers, a different program or no fitness benefit | Availability can differ by state, company, product series and enrollment date. |
Does Medicare Supplement Plan G Include SilverSneakers?
Medicare Supplement Plan G does not automatically include SilverSneakers. Plan G provides standardized medical benefits, while gym memberships and wellness programs are determined by the insurance company offering the policy.
A Plan G policy from one company may include SilverSneakers. Another Plan G may offer Renew Active or another fitness program. A third may not include a fitness benefit at all.
The standardized medical coverage can be the same even when the premiums, discounts and additional benefits are different.
Does Medicare Supplement Plan N Include SilverSneakers?
Medicare Supplement Plan N may include SilverSneakers when the policy is issued through a participating insurance product. However, SilverSneakers is not automatically included simply because the policy is Plan N.
A Humana Plan N and an Aetna Plan N can provide the same standardized Plan N medical benefits while having different premiums, household discounts and fitness benefits.
Because Plan N often has a lower premium than Plan G, it remains a popular choice for people who are comfortable with its cost-sharing requirements.
Learn more in our Plan G versus Plan N in Pennsylvania comparison.
Humana Standard Versus Humana Achieve and SilverSneakers
Humana offers more than one Medicare Supplement product in some areas. Two Humana policies with the same standardized plan letter may have different premiums and additional benefits.
Certain Humana Standard Medicare Supplement policies may include SilverSneakers. Humana Achieve generally does not include SilverSneakers. The Achieve product may have a lower premium, so the decision should be based on the complete annual cost.
If the Humana Standard policy costs approximately $30 more per month, that represents approximately $360 per year. Someone who can purchase a suitable gym membership for less than that amount may save money by choosing the lower-premium policy and purchasing a gym membership separately.
Someone who regularly uses participating SilverSneakers locations, classes or online resources may place a higher value on the included benefit.
Read our Humana Achieve versus Humana Medicare Supplement comparison for additional details.
Does Highmark Medicare Supplement Include SilverSneakers?
Highmark Medicare Supplement customers may have access to fitness and wellness benefits through an additional program such as Whole Health Balance.
Depending on the exact product and current availability, this package may combine fitness access with dental, vision or hearing-related benefits. An additional monthly charge may apply.
Before adding the package, compare its annual cost with the cost of purchasing the services separately. You should also verify whether your preferred gym participates in the fitness program included with the package.
Does AARP UnitedHealthcare Include SilverSneakers?
AARP Medicare Supplement plans insured by UnitedHealthcare generally provide Renew Active rather than SilverSneakers.
Renew Active and SilverSneakers are separate fitness programs. Their gym networks and available services may differ. If gym access is important to you, confirm that your preferred location accepts the program included with the policy.
Does Aetna Medicare Supplement Include SilverSneakers?
You should not assume an Aetna Medicare Supplement policy includes SilverSneakers. Additional benefits can vary by product and location.
Information about an Aetna Medicare Advantage plan does not establish what is included with an Aetna Medicare Supplement policy. The exact Medicare Supplement product must be checked before enrollment.
Is SilverSneakers Included With Original Medicare?
Original Medicare does not include SilverSneakers. Eligibility generally comes through a participating private Medicare Advantage or Medicare Supplement insurance plan.
SilverSneakers is not normally sold directly as an individual gym membership. If your policy does not include it, ask your preferred gym about its regular membership price, senior discount or other available fitness programs.
Should You Choose a Medicare Supplement Plan for SilverSneakers?
SilverSneakers can be valuable, but it should not be the only reason you choose a Medicare Supplement company. A higher insurance premium can sometimes cost more than purchasing a gym membership independently.
Before choosing a policy, compare:
- The monthly Medicare Supplement premium
- Available household discounts
- The company’s financial strength and rate history
- SilverSneakers or alternative fitness-program eligibility
- Any additional charge for a wellness package
- Participating gyms near your home
- The regular cost of your preferred gym membership
The least expensive Medicare Supplement premium is not necessarily the least expensive overall option. However, paying substantially more for a fitness benefit may not make sense when an affordable gym membership is available separately.
How to Confirm SilverSneakers Eligibility
Do not rely only on the insurance company’s name or Medicare Supplement plan letter. Check the exact insurance product before applying.
You can confirm eligibility by:
- Reviewing the benefit information for the exact policy
- Contacting the insurance company
- Using the SilverSneakers eligibility checker
- Confirming that your preferred gym participates
- Asking an independent Medicare broker to verify the benefit
If you already have a Medicare Supplement policy, use the information on your insurance identification card when checking eligibility. Two people insured by the same company may receive different results if they enrolled in different products.
Frequently Asked Questions
Which Medicare Supplement plans include SilverSneakers?
No standardized Medicare Supplement plan letter automatically includes SilverSneakers. Certain policies from participating insurance companies may include it, depending on the exact product and location.
Does every Humana Medicare Supplement plan include SilverSneakers?
No. Certain Humana Standard products may include SilverSneakers, while Humana Achieve generally does not. Verify the exact product before enrolling.
Can Plan G include SilverSneakers?
Yes. A Plan G policy may include SilverSneakers when the insurance company offers it with that particular product. It is not a standardized Plan G benefit.
Can Plan N include SilverSneakers?
Yes. Certain Plan N policies may include SilverSneakers. Eligibility depends on the insurance company and exact product rather than the Plan N designation.
Does UnitedHealthcare use SilverSneakers?
AARP Medicare Supplement plans insured by UnitedHealthcare generally use Renew Active instead of SilverSneakers.
Can I purchase SilverSneakers without an eligible Medicare plan?
SilverSneakers is generally available through participating insurance plans rather than as an individually purchased gym membership.
Can an insurance company discontinue SilverSneakers?
Yes. Fitness programs are additional company benefits rather than standardized Medicare Supplement benefits. They may change or be discontinued.
Is SilverSneakers worth a higher Medicare Supplement premium?
That depends on the premium difference and how often you expect to use the program. Compare the additional annual premium with the cost of purchasing a suitable gym membership separately.
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