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What is considered Silver Sneakers? The definitive guide to senior fitness benefits

5 min read

According to the Centers for Disease Control and Prevention, regular physical activity is one of the most important things older adults can do for their health, yet many face barriers to access. What is considered Silver Sneakers? It is a health and fitness program designed to help those 65 and older overcome these barriers by providing no-cost access to fitness facilities and classes through eligible health plans.

Quick Summary

SilverSneakers is a health and fitness program available at no extra cost to eligible seniors with qualifying Medicare Advantage and Medigap plans. It provides access to a large network of gyms, specialized fitness classes, and online resources to encourage physical and social activity.

Key Points

  • Medicare Benefit: SilverSneakers is a fitness program offered at no extra cost through many Medicare Advantage and Medigap plans, not Original Medicare.

  • Eligibility Check: To qualify, you must have a Medicare plan that includes SilverSneakers; you can confirm eligibility on the SilverSneakers website or with your insurance provider.

  • Comprehensive Program: Benefits include unlimited access to thousands of participating gyms nationwide, specialized senior fitness classes, and an extensive library of online workout resources.

  • Beyond Exercise: The program provides a crucial social component, helping members connect with peers and combat social isolation, which benefits mental and emotional well-being.

  • Variety of Activities: Offerings range from classic strength training and balance classes to yoga, tai chi, and water aerobics, available in-person and online.

  • Comparison to Alternatives: It's important to compare SilverSneakers with other programs like Renew Active or Silver&Fit, which may be tied to different health insurance carriers.

In This Article

What is SilverSneakers?

SilverSneakers is a leading health and fitness program specifically designed for older adults. It is offered as a supplemental benefit by many Medicare Advantage (Part C) and Medicare Supplement (Medigap) plans. Its primary purpose is to help seniors stay physically active, improve their health, and connect with others in their community through a nationwide network of participating fitness locations and a wide array of online and in-person classes. The program is administered by Tivity Health, and eligibility depends on enrollment in a partner insurance plan.

Core Components of a SilverSneakers Membership

A SilverSneakers membership offers more than just access to a gym. It’s a comprehensive program that includes several key features designed to appeal to a wide range of interests and fitness levels:

  • Fitness Location Access: Members get unlimited, no-cost access to thousands of participating fitness centers and gyms across the country. These facilities include popular chains like Planet Fitness and local community centers.
  • Live and On-Demand Classes: The program offers specialized group fitness classes for seniors, including SilverSneakers Classic, SilverSneakers Yoga, and SilverSneakers Circuit. These classes are led by certified instructors and can be attended in-person or virtually via the SilverSneakers LIVE platform.
  • SilverSneakers GO™ Mobile App: This mobile app helps members find participating locations and classes, offers customizable workout programs for strength and walking, and provides a digital membership card.
  • Social Connection: A core benefit of SilverSneakers is the social aspect. Group classes and in-person activities provide opportunities for members to meet new people and build a supportive community, which has been shown to improve mental health and reduce social isolation.

How to Determine Your SilverSneakers Eligibility

Qualifying for a SilverSneakers membership hinges on having an eligible health insurance plan. Original Medicare (Parts A and B) does not cover fitness programs like SilverSneakers, so you must be enrolled in a private plan that offers it as a benefit.

Steps to Check Your Eligibility:

  1. Check with Your Insurance Provider: Review your plan's benefit documents or call the customer service number on your insurance card to ask if SilverSneakers is included. Many major insurers, such as Aetna, Humana, and Blue Cross Blue Shield, offer plans that include this benefit.
  2. Use the SilverSneakers Online Tool: The official SilverSneakers website offers a simple tool where you can enter your information to check if your specific plan is eligible.
  3. Explore Different Plan Options: When evaluating Medicare plans during the Annual Enrollment Period, you can compare plan benefits side-by-side on the official Medicare website. If SilverSneakers is a priority, you can filter for plans that include it.

What Activities Are Included in SilverSneakers?

The program is known for its wide variety of classes designed for all fitness levels. Instructors are specially trained to help older adults exercise safely and effectively. Available options vary by location, but commonly include:

  • SilverSneakers Classic: A foundational class that focuses on muscle strength and range of movement using chairs for support.
  • SilverSneakers Circuit: A more fast-paced class that combines cardiovascular exercise with upper-body strength training using resistance bands and light weights.
  • SilverSneakers Yoga: Gentle yoga poses and breathing exercises to increase flexibility, improve balance, and reduce stress.
  • SilverSneakers Splash: Water-based workouts that offer a low-impact way to increase cardiovascular fitness and muscle strength.
  • SilverSneakers Stability: A class focused on improving balance, strength, and agility for fall prevention.
  • FLEX Programs: Instructor-led classes hosted at local venues like community centers and parks, expanding access beyond traditional gyms.

SilverSneakers vs. Other Senior Fitness Programs

While SilverSneakers is a popular option, it’s not the only senior fitness program available. Other programs like Renew Active (offered by UnitedHealthcare) and Silver&Fit also provide fitness benefits through eligible health plans. Understanding the differences is crucial for making the right choice.

Feature SilverSneakers Renew Active Silver&Fit
Associated Plans Many Medicare Advantage and Medigap plans from various insurers (e.g., Aetna, Humana, BCBS). Exclusively with UnitedHealthcare Medicare Advantage plans. Available with select Medicare Advantage and Medigap plans from various insurers.
Gym Network Large nationwide network of gyms, community centers, and specialized fitness locations. Very large nationwide network of gyms and fitness locations. Extensive network, often including YMCAs and other facilities.
Class Offerings SilverSneakers Classic, Circuit, Yoga, Splash, and FLEX community classes. Gym access, online brain health program (Staying Sharp), and local wellness events. Gym access and fitness kits for at-home workouts.
Digital Resources SilverSneakers GO app, online classes (LIVE), and on-demand videos. Staying Sharp digital resources focused on brain health. Online classes and optional home fitness kits.
Unique Benefits Strong social community focus, wide range of class types. Integrated brain health component through AARP's Staying Sharp program. Choice between gym access or convenient at-home fitness kits.

The Health Benefits of Participating

Regular participation in a program like SilverSneakers offers numerous health benefits for older adults. Engaging in physical activity can help manage chronic conditions, improve overall health, and increase quality of life. Participants report improvements in:

  • Strength and Mobility: Strength training exercises help build and maintain muscle mass, improving mobility for everyday tasks.
  • Stamina and Cardiovascular Health: Regular aerobic activity helps strengthen the heart and lungs, boosting stamina for longer periods of activity.
  • Balance and Fall Prevention: Specialized balance exercises can significantly reduce the risk of falls, a major concern for older adults.
  • Mental and Emotional Well-being: The social and physical aspects of the program help combat loneliness, reduce stress, and improve mental clarity.
  • Reduced Healthcare Costs: A 2019 review found that SilverSneakers participants who visited a gym at least twice a week had lower healthcare costs and fewer hospital admissions.

Starting Your SilverSneakers Journey

Getting started with SilverSneakers is straightforward once you have confirmed your eligibility. After checking with your plan, you can visit the SilverSneakers website to create an account and get your membership ID. This ID can be used at any participating location to sign up for classes and use facilities at no cost. Whether you prefer the camaraderie of a group class, the flexibility of online workouts, or using gym equipment at your own pace, SilverSneakers offers a robust framework for active, healthy aging. For more details on the program and to confirm your eligibility, visit the official website: SilverSneakers Official Website.

Conclusion: A valuable benefit for active aging

In summary, what is considered Silver Sneakers? It is a powerful health and fitness program for eligible Medicare beneficiaries that offers a gateway to better physical, mental, and social health. By providing no-cost access to a vast network of fitness centers, a diverse range of classes, and an active community, it makes staying fit accessible and enjoyable. Checking your eligibility is the first step toward unlocking this valuable benefit and embracing a more active and connected lifestyle in your golden years.

Frequently Asked Questions

SilverSneakers is primarily designed for adults aged 65 and older who are eligible for Medicare. However, individuals younger than 65 may also qualify if they are eligible for Medicare due to a disability and have a qualifying health plan.

No, Original Medicare (Parts A and B) does not cover SilverSneakers or other gym memberships. It is a supplemental benefit offered by many private Medicare Advantage (Part C) and Medigap plans.

You can check your eligibility by visiting the SilverSneakers website and using their online tool, or by calling the customer service number on your insurance card.

If you have a qualifying health insurance plan, the SilverSneakers membership is provided at no additional cost to you. However, you may have to pay extra for amenities or services not included in a basic membership, such as personal training or massages.

Yes, a SilverSneakers membership provides unlimited access to any of the thousands of participating fitness locations across the country. You are not limited to just one facility.

The program offers a wide range of classes for all fitness levels, including SilverSneakers Classic, Circuit, Yoga, and Stability. They also offer water aerobics, line dancing, and FLEX classes held at community centers and parks.

Yes, SilverSneakers offers a comprehensive digital platform that includes SilverSneakers LIVE for online instructor-led classes and an on-demand video library. You can also use the SilverSneakers GO app for customized workout plans.

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Medical Disclaimer

This content is for informational purposes only and should not replace professional medical advice. Always consult a qualified healthcare provider regarding personal health decisions.