Original Medicare (Parts A and B) does NOT cover gym memberships. However, many Medicare Advantage plans include fitness benefits like SilverSneakers, Silver&Fit, or Renew Active—offering free or discounted gym access at thousands of locations nationwide.
SilverSneakers: The Most Popular Medicare Fitness Benefit
SilverSneakers is a fitness program specifically designed for adults 65 and older, included at no extra cost with many Medicare Advantage and Medicare Supplement plans. Members get:
- Free access to 15,000+ fitness locations nationwide
- On-demand fitness classes online
- Instructor-led classes designed for older adults
- Social community and wellness resources
How to Check If Your Plan Includes SilverSneakers
- Visit silversneakers.com and click ‘Check Eligibility’
- Enter your insurance information to see if your plan qualifies
- Call the member services number on your insurance card
Alternative Fitness Benefits
| Program | Typically included with |
| SilverSneakers | Humana, Tufts, and many regional Medicare Advantage plans |
| Renew Active | UnitedHealthcare Medicare Advantage plans |
| Silver & Fit | Aetna, Cigna, and other Medicare Advantage plans |
| One Pass Select | Various Medicare Advantage plans |
Why Fitness Benefits Matter for Seniors
Regular physical activity is one of the most evidence-based interventions for preventing falls, managing chronic disease, and maintaining cognitive function — all major priorities for Medicare beneficiaries. If your plan includes a fitness benefit, using it is one of the highest-value no-cost health actions available to you.
Finding a Plan with Fitness Benefits
Use Medicare’s Plan Finder at Medicare.gov during open enrollment to filter plans by additional benefits. Select ‘Fitness’ or ‘SilverSneakers’ as a filter to identify plans that include gym access in your area.
