Core Differences: Insurance Provider and Program Focus
While they serve a similar purpose, the most crucial distinction between SilverSneakers and Renew Active lies with who offers them. SilverSneakers is a widely available benefit offered by a broad range of Medicare Advantage and Medigap plans from different insurance providers, including Anthem, Humana, and Aetna. Renew Active, on the other hand, is the proprietary fitness program for certain UnitedHealthcare Medicare Advantage and Medicare Supplement (Medigap) plans.
Beyond eligibility, the programs have different core offerings. SilverSneakers has long focused on physical fitness and fostering a strong sense of community through in-person and online classes. Renew Active, while providing similar gym access, places a specific emphasis on holistic wellness, incorporating both physical fitness and brain health through its partnership with AARP Staying Sharp.
Comparing Features: SilverSneakers vs. Renew Active
| Feature | SilverSneakers | Renew Active |
|---|---|---|
| Availability | Offered by a wide variety of Medicare Advantage and Medigap plans. | Exclusively offered by UnitedHealthcare Medicare Advantage and Medigap plans. |
| Gym Network | Access to over 15,000 partner locations nationwide. | Access to a network of over 25,000 participating gyms and fitness locations. |
| Brain Health | Less of a focus on cognitive fitness; benefits are primarily physical. | Includes access to the AARP Staying Sharp program, offering brain training games and other cognitive resources. |
| Personalization | Includes the SilverSneakers GO app for tracking and scheduling, but less emphasis on a one-on-one plan. | Offers an annual one-on-one session with a personal trainer to create a personalized fitness plan. |
| Community | Features a large online community through Burnalong and local group classes. | Provides access to the online Fitbit Community and local social activities. |
| Online Options | On-demand workout videos and live virtual classes. | On-demand workout videos and live virtual classes. |
How to Determine Your Program Eligibility
For most seniors, determining which program is available to you depends entirely on your specific insurance plan. You can’t choose between SilverSneakers and Renew Active unless your plan offers both, which is unlikely given Renew Active's exclusivity to UnitedHealthcare.
- Review your plan documents: Your Evidence of Coverage or plan handbook should list all included benefits. Look for mentions of a fitness program or gym membership benefit.
- Use the official websites: Both programs have online tools to check eligibility. Visit their respective websites and enter your information or your health insurance ID number to confirm if you are covered.
- Call your insurer: A simple call to your health insurance provider can clarify which program, if any, you are entitled to. The customer service representative can also help you find participating locations in your area.
Choosing the Right Program for Your Needs
If you have the rare option of choosing a plan that offers one program or the other, consider what aspects of wellness are most important to you:
- Prioritize physical community? If you enjoy group exercise classes and a strong local community feel, SilverSneakers may be the better fit due to its robust class offerings and community events.
- Value a larger network and premium facilities? With a larger network of participating gyms, Renew Active may offer more choices, including premium facilities.
- Focus on cognitive health? If you're interested in brain health alongside physical fitness, Renew Active's exclusive partnership with AARP Staying Sharp and cognitive exercises could be a major deciding factor.
Ultimately, the best program is the one you will use most often. Both provide excellent, no-cost resources for staying active and healthy in your senior years. For more information on Medicare benefits, you can visit the official Medicare website.
UnitedHealthcare and the Shift from SilverSneakers
It's worth noting the history behind Renew Active. For years, UnitedHealthcare (UHC) included SilverSneakers in its Medicare plans. However, UHC ended this partnership in 2018 and developed its own proprietary fitness program, Renew Active, to offer instead. This is why many people who were previously with UHC and SilverSneakers suddenly found their benefit changed to Renew Active. The move was a strategic one for UHC to create a more integrated health and wellness offering for its members.
What if My Gym Isn't a Partner?
If you prefer a specific gym that doesn't partner with your program, you may still be able to use your benefits elsewhere. Many chains like the YMCA partner with both, but specific locations may vary. It’s crucial to check the network locator on the program's website to find all participating facilities near you. If your preferred gym is out of network, you will need to pay for a separate membership. The decision should factor in your budget, location, and preferred amenities. Most importantly, do not choose a Medicare plan solely based on the fitness benefit. Always ensure the plan's overall coverage, network, and costs align with your healthcare needs first.
