What is SilverSneakers?
SilverSneakers is a health and fitness program designed for adults aged 65 and older. It partners with a vast network of fitness centers and provides access to specialized classes, on-demand videos, and a supportive community to help seniors stay active. This program is offered as a supplemental benefit by many private health insurance plans, primarily Medicare Advantage (Part C) and certain Medigap plans.
The Cost of SilverSneakers: It's a Medicare Benefit
One of the most important things to understand is that SilverSneakers is not a membership you purchase directly from the company. Instead, it's a perk included in specific health insurance plans. Therefore, the answer to the question, "How much are silver sneakers per month for seniors?" is typically nothing, as long as you are enrolled in a qualifying plan.
Your actual monthly expenses would be related to your health insurance plan's premiums, deductibles, and other out-of-pocket costs, not the SilverSneakers benefit itself. Some Medicare Advantage plans have premiums as low as $0, though the average can vary. Medigap plan premiums also differ based on the plan and your location.
How to Determine Your SilverSneakers Eligibility
To find out if you qualify for a free SilverSneakers membership, you must meet a few criteria:
- Be eligible for Medicare (typically 65 or older, or younger with a qualifying disability).
- Live in the United States.
- Be enrolled in a Medicare Advantage (Part C) or Medigap plan that includes SilverSneakers.
Since Original Medicare (Parts A and B) does not cover fitness programs like SilverSneakers, you cannot get this benefit if you are only on Original Medicare.
To check your eligibility, you can:
- Visit the SilverSneakers website: Use their online eligibility checker by entering your Medicare information.
- Contact your insurance provider: Call the number on your insurance card and ask if SilverSneakers is included in your plan.
- Review your plan documents: Check your Summary of Benefits or other plan materials for a mention of the SilverSneakers program.
What if Your Plan Doesn't Include SilverSneakers?
If your insurance plan does not offer SilverSneakers, you still have options for staying active.
- Other fitness programs: Some plans, like certain AARP Medicare Advantage plans, offer alternative programs such as Renew Active.
- Direct gym membership: You can join a participating gym directly, though you would be responsible for the standard membership fees. Some gyms may offer senior discounts.
- Online resources: SilverSneakers offers some on-demand workout videos online that can be accessed without membership.
Comparing SilverSneakers to Other Options
To help you decide, here is a comparison of different fitness options for seniors.
| Feature | SilverSneakers | Renew Active | Direct Gym Membership |
|---|---|---|---|
| Cost for seniors | No additional monthly cost if included in your plan. | No additional monthly cost if included in a qualifying plan. | Varies widely, depending on the gym and any senior discounts offered. |
| Availability | Available through many Medicare Advantage and some Medigap plans from providers like Aetna, Humana, and Blue Cross Blue Shield. | Offered by UnitedHealthcare Medicare Advantage plans, which replaced SilverSneakers for AARP members. | Varies by gym chain and location. |
| Benefits | Access to thousands of gyms, specialized classes (FLEX), online and on-demand workouts. | Access to participating gyms, online resources, and brain health programs. | Dependent on the gym's specific offerings and amenities, such as pools or locker rooms. |
| Enrollment | Automatically enrolled if your plan offers it, then you register online. | Automatically enrolled if your plan offers it, then you register online. | Sign up directly with the gym. |
The Benefits of Staying Active as a Senior
Beyond the cost savings, enrolling in a program like SilverSneakers provides substantial health benefits for older adults. Regular exercise can improve:
- Strength: Simple strength-building exercises can help combat osteoporosis and maintain muscle mass.
- Stamina: Aerobic training boosts cardiovascular health and mobility.
- Flexibility and Balance: Exercises like tai chi and yoga can improve balance and reduce the risk of falls.
- Mental Well-being: Physical activity is proven to have mental health benefits and can create a stronger sense of community.
Conclusion
While the monthly cost of SilverSneakers is often free for eligible seniors, it's tied to your specific Medicare plan. By understanding your eligibility and the options available, you can take advantage of this valuable benefit to improve your physical and mental health. For more information on Medicare plans, you can visit the official Medicare website.
