Does Medicare Cover Gym Memberships?

Medicare, a federal health insurance program, helps Americans manage their healthcare needs. A common question among beneficiaries involves coverage for gym memberships. Whether Medicare covers gym memberships depends on the specific type of Medicare plan an individual possesses.

Original Medicare and Gym Memberships

Original Medicare (Part A and Part B) generally does not cover gym memberships or fitness programs. These services are not considered medically necessary. Beneficiaries with only Original Medicare are responsible for the full cost of any gym memberships or fitness classes. Original Medicare does cover medically necessary services, such as physical therapy when prescribed by a doctor for an injury or illness. This highlights Medicare’s focus on treating existing medical conditions rather than general wellness activities.

Medicare Advantage Plan Coverage

Medicare Advantage Plans (Part C) offer an alternative way to receive Medicare benefits. These plans are provided by private insurance companies approved by Medicare and are required to cover everything Original Medicare covers. Beyond basic coverage, Medicare Advantage plans often provide additional benefits, including health and wellness programs like gym memberships. The availability of these supplemental benefits varies by plan, provider, and geographic location. Many plans include a fitness benefit to help members stay active and healthy.

Common Wellness Programs

Many Medicare Advantage plans partner with specific wellness programs to offer gym membership benefits.

SilverSneakers

This widely recognized program provides eligible members with access to a network of thousands of participating fitness centers and gyms nationwide at no additional cost. It also offers specialized fitness classes and online workout options. Eligibility is tied to enrollment in a Medicare Advantage plan that includes this benefit.

Renew Active

Often available with UnitedHealthcare Medicare Advantage plans, this program includes a free gym membership and access to a nationwide network of fitness locations. It also provides opportunities for social connection through local health and wellness classes.

Active&Fit Direct

This program offers fitness benefits through various health plans, including some Medicare Advantage and Medigap plans. It provides access to thousands of participating fitness centers and offers online workout videos. While it typically involves a monthly fee, it allows flexibility to switch gyms and offers discounts on premium studios.

Finding and Utilizing Your Benefits

To determine if your Medicare plan includes gym membership benefits, review your plan’s specific documentation, such as the Summary of Benefits or Evidence of Coverage. You can also contact your plan provider directly using the member services number on your insurance card. When considering a new plan, especially during the Annual Enrollment Period, use Medicare’s plan finder tool on Medicare.gov to compare plans available in your area. This tool allows you to filter for plans that offer fitness benefits, helping you choose one that aligns with your health goals. Benefits can change annually, so confirm details each year.

Once enrolled in a plan with a fitness benefit, activating it usually involves obtaining a membership ID or confirmation code. For programs like SilverSneakers, you might receive a welcome package with a membership card or register online. For Renew Active, a confirmation code is typically provided to present at a participating gym or use online. Gym staff can then assist with enrollment and provide access to the facilities.