Does Medicare Cover Health Club Memberships?

Many individuals approaching or already enrolled in Medicare often wonder about the extent of its coverage, especially concerning health and wellness benefits like gym memberships. Medicare is the federal health insurance program for people aged 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease. While it provides substantial coverage for medical services, its approach to preventive and fitness-related benefits can sometimes be less direct, leading to questions about what is included.

Medicare Parts and Health Club Coverage

Original Medicare (Parts A and B) generally does not cover health club memberships or gym fees. These services are not considered medically necessary under its provisions, meaning beneficiaries pay the full cost. While it covers medically necessary physical therapy or specific wellness programs, general fitness memberships fall outside its scope.

Conversely, Medicare Advantage Plans (Part C) often include fitness benefits. These plans, offered by private insurance companies, provide all Original Medicare benefits plus additional services. Many Medicare Advantage plans include health club memberships or fitness programs as supplemental benefits. Medicare Supplement Insurance (Medigap) plans, which help cover out-of-pocket costs for Original Medicare, typically do not include gym memberships. However, some Medigap plans may offer discounts or access to fitness programs.

Accessing Health Club Benefits

To access health club benefits, individuals must enroll in a Medicare Advantage plan that offers them. Research available plans in your area during enrollment periods. The official Medicare Plan Finder tool can help filter for plans with fitness benefits.

Once enrolled, beneficiaries can activate their fitness benefits. This often involves receiving a membership card or confirmation code from the plan provider. Members can then present this at participating gyms or access online fitness platforms. Review the plan’s documentation or contact the insurance provider for instructions and to confirm participating locations.

Common Fitness Programs and Benefits

Several prominent fitness programs are commonly included with Medicare Advantage plans. SilverSneakers is a widely recognized program providing access to a nationwide network of fitness centers. It typically includes gym memberships, group exercise classes for older adults, and online resources like on-demand workout videos. Many Medicare Advantage and some Medigap plans offer SilverSneakers at no additional cost.

Another popular option is Renew Active, often available through UnitedHealthcare Medicare Advantage plans. Renew Active typically offers gym memberships and access to thousands of fitness locations. This program also includes online brain health resources, such as AARP Staying Sharp, and personalized training plans. Benefits and participating facilities for SilverSneakers, Renew Active, and similar programs like Silver&Fit vary by plan and location.