How does the SilverSneakers plan work?

According to the CDC, regular physical activity can help older adults improve strength and balance, manage health conditions, and maintain an independent lifestyle. This is where fitness programs like SilverSneakers come in, offering a valuable way to stay active. But how does the SilverSneakers plan work for Medicare beneficiaries?

Quick Summary

The SilverSneakers plan offers eligible Medicare Advantage and Medicare Supplement (Medigap) beneficiaries access to thousands of participating fitness centers, specialized classes, and a comprehensive on-demand virtual platform, often at no additional cost beyond their plan premiums. Eligibility is tied directly to enrollment in a participating health plan, which varies by provider and location.

Key Points

• Eligibility Varies: SilverSneakers is an added benefit of certain Medicare Advantage and Medigap plans, not Original Medicare.

• No Extra Cost: If your plan includes it, the membership is typically free, covering access to a network of gyms and classes.

• Comprehensive Access: The program offers both in-person access to thousands of fitness centers and a full virtual platform with live and on-demand classes.

• Check Your Plan: Always verify your eligibility through the SilverSneakers website or by contacting your insurance provider directly.

• Beyond the Gym: Membership includes specialized, senior-focused group exercise classes and wellness workshops.

• Comparison is Key: When choosing a Medicare plan, compare the specific fitness benefits offered, as alternatives like Renew Active and Silver&Fit exist.

Understanding SilverSneakers Eligibility

To benefit from the SilverSneakers program, you must be enrolled in a specific type of Medicare plan that includes it as a benefit. Original Medicare (Parts A and B) does not cover gym memberships or fitness programs directly. Instead, SilverSneakers is an added benefit offered by a growing number of private insurance companies through their Medicare Advantage (Part C) plans and some Medicare Supplement (Medigap) plans. The coverage, facilities, and specific offerings can differ, so it is crucial to check your individual plan's details.

How to Check Your Eligibility

Checking your eligibility is a straightforward process. You have a few simple options to determine if you qualify:

1. Online Eligibility Tool: The SilverSneakers website features a tool where you can enter your Medicare ID number to instantly see if you are eligible through your current plan.
2. Contact Your Health Plan: You can call the member services number on your insurance card to ask directly if the SilverSneakers program is included in your benefits package.
3. Use the Mobile App: The SilverSneakers GO app allows you to check eligibility and find participating locations directly from your smartphone or tablet.

It is important to remember that eligibility is tied to your health plan, not your age alone. While the program targets adults 65 and older, you must be on a qualifying plan to receive the benefit.

What's Included in a SilverSneakers Membership

Once enrolled, a SilverSneakers membership provides access to a wealth of fitness and wellness resources. The core of the program revolves around two key offerings: in-person and virtual fitness opportunities.

In-Person Access to Fitness Centers

SilverSneakers provides members with free, unlimited access to thousands of participating fitness and community centers across the United States. This includes access to basic amenities, such as:

• Cardio and strength training equipment
• Swimming pools, saunas, and whirlpools (where available)
• Walking tracks and tennis courts (where available)

Specialized Classes for Seniors

Beyond standard gym access, the program is well-known for its instructor-led group fitness classes, specifically designed for older adults. These classes cater to various fitness levels and interests. Some popular options include:

• SilverSneakers Classic: Focuses on seated and standing exercises to increase strength and range of motion.
• SilverSneakers Circuit: A low-impact, higher-intensity class using resistance tools and hand-held weights.
• SilverSneakers Yoga: Combines gentle yoga postures to enhance flexibility, balance, and relaxation.
• SilverSneakers Splash: An in-pool exercise class that uses water resistance to improve fitness without stressing joints.

Virtual and At-Home Options

For those who prefer to work out from home or travel frequently, SilverSneakers also provides robust virtual resources.

• SilverSneakers LIVE: Offers live-streamed, interactive workout classes led by instructors in a virtual group setting.
• SilverSneakers On-Demand: Provides a library of pre-recorded workout videos and health and nutrition workshops available 24/7.
• SilverSneakers GO App: A mobile application with customizable workout programs for strength, walking, or meditation.

How to Get Started with SilverSneakers

After confirming your eligibility, getting started is a simple, two-step process.

1. Get Your Member ID: If you are eligible, you can visit the SilverSneakers website to create an online account and access your 16-digit member ID number. This can also be accessed through the mobile app.
2. Visit a Participating Location: You can visit any participating gym or facility, present your member ID (either digital or a printed copy), and start your fitness journey. Most locations will issue you a permanent membership card upon your first visit.

Comparison with Other Senior Fitness Programs

While SilverSneakers is widely recognized, it is not the only fitness benefit available to seniors. Other programs, such as Renew Active (UnitedHealthcare) and Silver&Fit (various plans), also offer similar benefits. Understanding the differences is important when selecting a Medicare plan.

Feature	SilverSneakers	Renew Active	Silver&Fit
Associated Health Plans	Multiple (e.g., Humana, Anthem)	UnitedHealthcare (AARP)	Multiple (e.g., Blue Shield, Aetna)
Gym Network	Thousands of gyms and community centers nationwide.	Over 17,000 gyms, including premium facilities.	Large network of gyms and fitness centers.
Core Offerings	In-person classes, online classes, and on-demand videos.	Gym access, online brain health resources, and live-stream classes.	Gym network access, home fitness kits, and online wellness tools.
Online/App	SilverSneakers LIVE & On-Demand, SilverSneakers GO app.	Renew Active website & mobile app with brain health content.	Silver&Fit website, mobile app, and home fitness program.
Eligibility Check	Online tool via SilverSneakers website.	UnitedHealthcare plan members only.	Online tool via Silver&Fit website.

Maximizing Your SilverSneakers Experience

To get the most out of your SilverSneakers membership, consider a few strategies. First, take advantage of the variety of classes offered. Trying different formats like yoga or aquatic fitness can keep your routine fresh and challenge your body in new ways. Second, don't overlook the social aspect; many members value the sense of community found in group classes. Third, utilize the virtual platform to supplement your in-person workouts or stay active on days when you can't make it to the gym.

Conclusion

In summary, the SilverSneakers plan works by providing eligible seniors with a comprehensive fitness and wellness benefit, typically at no extra charge, through their Medicare Advantage or Medigap plan. By leveraging this program, older adults can gain access to thousands of facilities, participate in fun and effective classes, and utilize a wide array of virtual resources. The key to accessing these benefits is confirming your enrollment in a participating health plan. For further information and a detailed guide on Medicare plans, you can visit the official Medicare.gov website.

Frequently Asked Questions

Is the SilverSneakers program completely free?

For eligible members whose Medicare Advantage or Medigap plan includes SilverSneakers, the membership typically comes at no additional cost. However, some premium services offered at participating facilities, such as personal training or spa treatments, are not covered and would require separate payment.

How do I find a gym that accepts SilverSneakers near me?

You can find participating locations by visiting the SilverSneakers website and using their location finder tool. You can also use the SilverSneakers GO mobile app to search for nearby fitness centers and class schedules.

What is the difference between SilverSneakers and Original Medicare?

Original Medicare (Parts A and B) does not cover gym memberships or fitness programs. SilverSneakers is an optional benefit offered by private insurance companies through their Medicare Advantage (Part C) or Medigap plans. You must be enrolled in one of these qualifying private plans to be a member.

Can my spouse join SilverSneakers with my membership?

No, eligibility is individual. Your spouse must have their own qualifying Medicare Advantage or Medigap plan that includes the SilverSneakers benefit. Eligibility cannot be transferred between family members.

What if my health plan doesn't offer SilverSneakers?

If your current plan does not include the benefit, you cannot join for free. However, you can consider switching to a different Medicare Advantage or Medigap plan during the Annual Enrollment Period (AEP) to find one that does. Alternatively, many gyms offer senior discounts for direct memberships.

Do I need a special card to use SilverSneakers?

Yes, you will need a SilverSneakers member ID. You can get a digital version from the SilverSneakers website or mobile app. Some facilities may also issue a physical card after your first visit. You must present this ID at the front desk of any participating location.

What kinds of virtual classes does SilverSneakers offer?

The virtual platform offers a wide range of live and on-demand classes. These include cardio, strength training, yoga, tai chi, and dance, with many options designed specifically for older adults. You can also access wellness workshops covering topics like nutrition and stress management.