What is the SilverSneakers Program?
SilverSneakers is a health and fitness program designed for adults aged 65 and older that is included with many Medicare Advantage and Medicare Supplement (Medigap) plans. It provides access to a large network of fitness centers, on-demand video workouts, and online classes designed for all fitness levels. The program aims to help older adults stay active, build strength and balance, and connect with a supportive community.
Unlike a standard gym membership purchased directly from a gym, SilverSneakers benefits are tied to a person's health insurance plan. Original Medicare (Parts A and B) does not cover SilverSneakers, so coverage depends on selecting a private plan that includes it as a supplemental benefit. If a plan covers it, the basic membership is often free to the member.
How does Planet Fitness participate?
Planet Fitness does not directly own or manage SilverSneakers, but it acts as a participating gym partner. This means that some, but not all, Planet Fitness locations are part of the SilverSneakers network. For eligible members, this arrangement works similarly to a standard membership, with a few key differences:
- Free Basic Access: A standard SilverSneakers membership will generally grant you a basic level of access to participating Planet Fitness locations, including cardio and strength equipment.
- Upgraded Memberships: For members who want access to additional amenities like massage chairs, tanning beds, or the ability to visit any location (the PF Black Card), an upgrade fee may apply. This fee is paid directly to Planet Fitness, and the cost can vary.
- Location-Specific Participation: Not every single Planet Fitness is required to participate. Because many Planet Fitness locations are franchises, their participation is determined at a local level. It is always best to verify with the specific location you plan to visit.
How to confirm if your Planet Fitness accepts SilverSneakers
Verifying participation is a crucial first step before heading to the gym. To do so, follow these steps:
- Check your health plan: First, confirm that your specific Medicare Advantage or Medigap plan includes the SilverSneakers benefit. This information can typically be found on your plan documents or by calling your insurance provider.
- Use the official SilverSneakers tool: Visit the official SilverSneakers website and use their location finder tool. You can search for participating fitness centers by entering your address or ZIP code. This tool will provide an up-to-date list of all locations in the network near you, including any Planet Fitness locations.
- Confirm with the club directly: It's a good practice to call your local Planet Fitness and ask if they participate in the SilverSneakers program. This confirms the most recent status, as participation can occasionally change.
- Have your ID ready: When you arrive at the gym, you will need to present your SilverSneakers ID. This can be a physical card, but most modern programs now provide a digital ID via the SilverSneakers GO app.
Comparing a standard Planet Fitness membership with SilverSneakers access
| Feature | Standard Planet Fitness Membership | Planet Fitness Access via SilverSneakers |
|---|---|---|
| Cost | Regular monthly fee (e.g., ~$10 for Classic, ~$25 for Black Card). | Free for basic access with an eligible health plan. Potential upgrade fee for Black Card amenities. |
| Eligibility | Open to anyone who signs up for a membership. | Limited to individuals with a Medicare Advantage or Medigap plan that includes SilverSneakers. |
| Amenities | Varies by membership tier; includes standard equipment for Classic members. Black Card adds guest privileges, massage chairs, and tanning. | Basic access includes cardio and strength equipment. Amenities like massage chairs require a paid upgrade. |
| Gym Locations | Access is based on membership level (one club for Classic, all clubs for Black Card). | Access is to any participating location in the SilverSneakers network. |
| Online Benefits | Access to the PF App with digital workouts and crowd meter. | Access to SilverSneakers LIVE online classes and on-demand video library. |
Conclusion
In summary, Planet Fitness and SilverSneakers are distinct entities, but they have a cooperative relationship. You do not automatically gain access to Planet Fitness through SilverSneakers, and vice versa. Instead, your eligibility for SilverSneakers is determined by your health insurance plan, and your access to a Planet Fitness location depends on whether that specific club participates in the network. By checking your eligibility and confirming participation at your local club, you can enjoy the benefits of this partnership for a healthier and more active lifestyle.
Getting the most out of your SilverSneakers membership at Planet Fitness
Once you've confirmed your eligibility and a participating location, consider these tips to maximize your membership:
- Explore the equipment: Take advantage of the variety of cardio machines and resistance training equipment available. If you are new to the gym, consider asking a staff member for a tour.
- Consider a Black Card upgrade: If you travel frequently or want to use the additional amenities like massage chairs and tanning, consider paying the upgrade fee for the PF Black Card. This gives you nationwide access to all Planet Fitness locations.
- Utilize online resources: Don't forget about the online benefits included with your SilverSneakers membership, such as the SilverSneakers LIVE virtual classes and on-demand videos. These are great options for days you prefer to work out from home.
Remember to consult with your healthcare provider before beginning any new exercise regimen to ensure it is appropriate for your individual health needs.
