The Shift from SilverSneakers to Renew Active
For many years, some AARP Medicare plans did offer access to the popular SilverSneakers fitness program. However, in 2018 and 2019, UnitedHealthcare—the insurer that provides AARP-endorsed plans—announced a significant change, replacing SilverSneakers with a new and exclusive fitness benefit called Renew Active. This change applied to both Medicare Supplement (Medigap) and Medicare Advantage plans sold by UnitedHealthcare in partnership with AARP. The transition was implemented to offer a broader wellness program that goes beyond just gym access.
What is the Renew Active Program?
Renew Active is a comprehensive health and wellness program designed exclusively for eligible UnitedHealthcare Medicare members. It offers more than just access to fitness facilities; it provides a multi-faceted approach to well-being for seniors.
Key components of Renew Active:
- Extensive gym network: Access to a vast network of thousands of participating gyms and fitness locations across the country at no extra cost. This network often includes local gyms, community centers, and other fitness facilities.
- On-demand and live online classes: A library of thousands of on-demand workout videos and live-streaming classes, allowing members to exercise from the comfort of their own home.
- Brain health program: A unique partnership with AARP Staying Sharp® that provides online brain exercises, cognitive assessments, and interactive lifestyle tools to promote mental sharpness.
- Social engagement: Opportunities to stay connected with others through local health and wellness classes, clubs, and events like gardening or walking groups.
- Personalized fitness plans: Members can create personalized workout plans tailored to their goals and abilities.
Comparing Renew Active and SilverSneakers
While both programs aim to promote senior fitness, there are key differences in their offerings, particularly concerning who provides them and what benefits they prioritize. The following table provides a clear comparison to help you understand the distinction.
| Feature | Renew Active (UnitedHealthcare/AARP) | SilverSneakers (Various Insurers) |
|---|---|---|
| Availability | Exclusively for eligible UnitedHealthcare Medicare Advantage and Medicare Supplement members. | Offered by a range of different Medicare Advantage and Medicare Supplement plan providers, such as Humana, Aetna, and Blue Cross Blue Shield. |
| Gym Network | A large network of participating gyms and fitness centers. | A vast network of over 15,000 participating fitness centers and community locations nationwide. |
| Online Content | Includes live streaming and thousands of on-demand workout videos. | Offers a variety of online classes via SilverSneakers LIVE and on-demand videos. |
| Brain Health | Unique partnership with AARP Staying Sharp® provides cognitive wellness tools. | Focuses primarily on physical fitness and health. |
| Eligibility Check | Requires checking your specific UnitedHealthcare plan documents or contacting the insurer. | Can be checked online on the SilverSneakers website using your insurance information. |
| Social Programs | Encourages social activities through local events and clubs. | Fosters community through in-person classes and events. |
What if you still want SilverSneakers?
If the SilverSneakers program is a primary consideration for your fitness needs, and you are not tied to an AARP-endorsed plan, you have other options. Since SilverSneakers is offered by many different private insurance companies, you will need to compare plans from other providers to find one that includes the benefit. During the Medicare Annual Enrollment Period or during a Special Enrollment Period if you qualify, you can compare Medicare Advantage and Medigap plans from various insurers to see what fitness benefits they offer. Always verify with the plan provider and check your eligibility on the SilverSneakers website before enrolling.
How to Verify Your Fitness Benefit
If you are an AARP Medicare Supplement member, the Renew Active program is likely your fitness benefit. To be sure of your specific plan's inclusions, you can follow these steps:
- Check your UnitedHealthcare member ID card. The card or associated plan materials should mention the Renew Active program if you are eligible.
- Visit the UnitedHealthcare Renew Active website: You can visit the official website to search for participating locations and confirm your eligibility online.
- Call customer service: Contact UnitedHealthcare directly using the number on your member card for the most accurate and up-to-date information on your specific plan's benefits.
For those comparing different plans, it is important to remember that fitness benefits are supplemental and can vary significantly between insurance providers. The official Medicare website is a great resource for comparing plan details and finding information about the different Medigap options available in your area.
Conclusion
The short answer to whether the AARP Medicare Supplement Plan includes SilverSneakers is no. AARP-endorsed plans, administered by UnitedHealthcare, transitioned away from the SilverSneakers program years ago and now offer their own exclusive fitness and wellness benefit, Renew Active. While the two programs share some similarities in providing gym access and online classes, Renew Active stands out with its additional focus on brain health through its partnership with AARP Staying Sharp®. For seniors prioritizing a specific fitness program, it is crucial to research and compare different Medicare plan options from various insurance carriers to find the coverage that best fits their wellness goals. Always verify the most current benefit details directly with the plan provider before making an enrollment decision.
