Your monthly SilverSneakers cost: It depends on your plan
For most seniors, the short answer to the question "How much do SilverSneakers cost a month?" is: nothing. SilverSneakers is a wellness benefit that is frequently included at no additional cost with certain Medicare Advantage (Part C) and Medigap plans. It is not a benefit of Original Medicare (Part A and Part B), so you cannot access SilverSneakers with just that coverage.
To determine your monthly cost, you must first check if you have a qualifying insurance plan. You can do this by visiting the SilverSneakers website and using their eligibility tool. You can also contact your health insurance provider directly by calling the member services number on your insurance card.
What is included in a SilverSneakers membership?
If you have a qualifying plan, your free SilverSneakers membership gives you access to a wide range of fitness and wellness benefits. These benefits include:
- Access to facilities: You can get a basic membership at thousands of participating gyms, community centers, and other fitness locations nationwide, including chains like LA Fitness, Planet Fitness, and the YMCA. Many members enjoy access to pools, walking tracks, and various fitness equipment at these locations.
- In-person classes: The program offers a variety of instructor-led group classes specifically designed for older adults. Classes can include SilverSneakers Classic, yoga, tai chi, Zumba, water aerobics, and balance training.
- Online and at-home options: If you prefer working out from home, SilverSneakers provides SilverSneakers LIVE for live-streamed classes and SilverSneakers On-Demand with hundreds of pre-recorded videos. Some plans also offer a home fitness kit with equipment like resistance bands.
- Social connection: Beyond physical fitness, the program fosters a sense of community through in-person and online interaction. Social connection has proven health benefits for seniors, and members often report feeling healthier and less socially isolated.
Potential additional fees and costs
While the basic SilverSneakers membership is free with an eligible plan, some extra services and amenities are not covered. These additional costs would be the responsibility of the member. This can include:
- Personal training sessions
- Tanning services
- Massage therapy
- Premium fitness classes not included in the basic SilverSneakers offering
- Amenities like a sauna or whirlpool if not part of the standard access
It is always wise to confirm with a specific gym or fitness center what is included in the basic SilverSneakers plan before signing up.
Comparison: SilverSneakers vs. regular gym memberships
To better understand the value of a SilverSneakers benefit, compare it to the cost of a standard gym membership. This table shows a typical cost comparison based on 2023 data.
| Feature | SilverSneakers Member (with qualifying plan) | Regular Gym Member (without qualifying plan) |
|---|---|---|
| Monthly Cost | $0 (included with eligible plan) | Average of $37.71 (prices vary) |
| Access | Access to thousands of participating locations nationwide | Access limited to your specific gym chain/location(s) |
| Included Classes | Access to SilverSneakers-specific group classes | May or may not include group classes, or may require an additional fee |
| Online/Home Options | Includes live online classes and on-demand videos | Not included, or requires a separate paid subscription |
| Equipment | Access to basic gym equipment | Access to all gym equipment provided |
How to get started with SilverSneakers
If you believe you may be eligible, getting started is a straightforward process:
- Check your eligibility. Visit the official SilverSneakers website and use their online tool to verify if your health insurance plan includes the benefit.
- Create an account. Once confirmed, create an online account to access your 16-digit SilverSneakers ID number.
- Find a location. Use the online tool to find a participating gym or community center near you.
- Visit and activate. Bring your SilverSneakers ID number to your chosen location to activate your membership and start enjoying the benefits.
Conclusion: The zero-cost advantage
In conclusion, the answer to "How much do SilverSneakers cost a month?" is almost always zero for those with an eligible Medicare Advantage or Medigap plan. For seniors seeking to stay active, this fitness program provides a significant value, offering free access to gym facilities, specialized classes, and online resources. By including this comprehensive fitness program, health insurance providers offer a powerful incentive for older adults to prioritize their physical and mental well-being without the barrier of high monthly fees. If you are a Medicare beneficiary, checking your eligibility for this valuable benefit is the first step toward a more active and connected lifestyle.
Visit the official SilverSneakers website to check your eligibility.
