The Core Question: Is SilverSneakers Still a Program?
For millions of Medicare recipients, the SilverSneakers benefit is a crucial part of staying active and connected. The answer to the central question—is SilverSneakers going away—is a definitive no. The SilverSneakers program is still active and managed by Tivity Health, providing access to a vast network of fitness locations, online classes, and community-based programs for eligible members. The confusion arises not because the program itself is ending, but because its availability depends entirely on a senior's specific Medicare plan.
Unpacking the UnitedHealthcare and AARP Change
The primary reason for the widespread concern began several years ago when some major insurance providers made strategic decisions to part ways with SilverSneakers. Starting in 2018, and most notably on January 1, 2023, UnitedHealthcare, including the plans offered in partnership with AARP, began phasing out SilverSneakers coverage in favor of its own proprietary program, Renew Active.
This business decision was driven by various factors, including a desire to control benefits and reach a broader portion of their membership with a wider variety of wellness resources. For those with affected UnitedHealthcare/AARP plans, Renew Active became the new fitness benefit. This change has left many long-time members feeling frustrated and confused, especially those who were loyal SilverSneakers participants.
Which Insurers Still Offer SilverSneakers?
While UnitedHealthcare shifted away from SilverSneakers, many other insurance carriers continue to include it as a valuable benefit with their Medicare Advantage (Part C) and some Medigap (Medicare Supplement) plans. Insurers known to offer SilverSneakers include:
- Aetna
- Humana
- Blue Cross Blue Shield (plan-dependent)
- Wellcare
- HealthPartners
It is crucial to understand that SilverSneakers is never covered by Original Medicare (Parts A and B) alone. The benefit is provided by private insurance companies that partner with Tivity Health. Therefore, the key is to check your specific plan details or consider switching to a plan that includes the program you prefer during the annual enrollment period.
Renew Active vs. SilverSneakers: A Comparison
For those affected by the change, understanding the alternative is essential. Here is a brief comparison of Renew Active and SilverSneakers:
| Feature | SilverSneakers | Renew Active |
|---|---|---|
| Parent Company | Tivity Health | UnitedHealthcare |
| Insurance Providers | Many, including Aetna, Humana, BCBS (plan-dependent) | Exclusively UnitedHealthcare plans |
| National Gym Network | Yes, extensive network | Yes, extensive network (over 25,000 locations) |
| Online/On-Demand Classes | Yes, includes virtual FLEX classes | Yes, virtual classes and Fitbit Premium access |
| Additional Benefits | Community-based FLEX classes | Brain health challenges, online hobby classes, personalized plans |
How to Check Your Own Eligibility
If you're unsure whether you still have access to SilverSneakers, follow these steps:
- Check your plan details. Review the documentation from your current Medicare Advantage or Medigap plan.
- Use the official eligibility tool. Visit the SilverSneakers website and use their official eligibility tool by entering your information.
- Contact your insurance provider. Call the customer service number on your insurance card and ask specifically if SilverSneakers is a benefit on your plan.
- Review your annual notices. Pay close attention to your plan’s Annual Notice of Change (ANOC) that is sent in the mail each fall for any updates on fitness benefits.
- Use the gym's check-in system. Go to a participating gym and use your member ID number at their check-in kiosk.
What to Do If You've Lost Your SilverSneakers Benefit
If you find that your plan no longer offers SilverSneakers, you have several options to consider:
1. Explore your new program
If your insurer switched you to a new benefit, like Renew Active, take the time to explore what it offers. You may find that it provides access to a similar or even broader range of gyms and classes, plus additional wellness resources.
2. Compare other Medicare plans
During the Annual Enrollment Period (AEP) each fall, you can shop for a different Medicare Advantage or Medigap plan. If having SilverSneakers is important to you, seek out plans from insurers like Humana or Aetna that offer it and compare costs and coverage.
3. Consider other senior fitness programs
Other programs like Silver&Fit and One Pass also exist, depending on the insurance carrier. Your new plan may offer one of these alternatives instead. Researching them can help you find a suitable replacement.
4. Talk to your local gym
Even without an insurance benefit, many gyms offer senior discounts or low-cost membership options. Ask about their pricing for seniors or if they have special off-peak rates.
The Resilient Legacy of Senior Fitness Programs
The changes surrounding SilverSneakers illustrate a growing trend in the health and wellness industry for seniors. As the market for Medicare plans becomes more competitive, insurance companies are tailoring their benefits to attract and retain members. While this may mean the end of a long-standing partnership for some, it doesn't signify the end of SilverSneakers. Instead, it highlights the program's enduring importance and adaptability in a changing healthcare landscape, continuing to empower millions of older adults to maintain their health and vitality.
Conclusion
In short, fears that they are getting rid of SilverSneakers are unfounded for the program as a whole. While select insurance companies have ended their partnerships, most notably UnitedHealthcare/AARP in favor of Renew Active, SilverSneakers remains a robust and widely available fitness benefit for countless other Medicare enrollees. By staying informed about your specific plan's benefits and exploring all available options during enrollment periods, you can continue to access the wellness resources you need to age healthily and actively.
