Who is eligible for SilverSneakers?
Eligibility for the SilverSneakers fitness program is determined primarily by your health insurance coverage. While the program is designed for adults 65 and older, age is not the sole factor. The key is being enrolled in a Medicare Advantage (Part C) or Medicare Supplement (Medigap) plan that includes SilverSneakers as a benefit. Original Medicare (Parts A and B) does not cover fitness programs like SilverSneakers, so you must select a private insurance plan that has this extra perk.
The Role of Medicare Advantage (Part C) Plans
Medicare Advantage plans, also known as Part C, are offered by private insurance companies approved by Medicare. These plans must provide all the same coverage as Original Medicare but can also offer additional benefits, such as dental, vision, and gym memberships. Many of these plans, including those from major insurers, include SilverSneakers as a no-cost benefit. Plan availability and benefits can vary by state and even by specific plan within a state, so it is crucial to check the details of your particular policy.
Access through Medicare Supplement (Medigap) Plans
For those who prefer to remain on Original Medicare, a Medigap policy can sometimes be the path to SilverSneakers. Medigap plans are also sold by private companies and help pay for costs not covered by Original Medicare, like copayments and deductibles. Some Medigap plans include SilverSneakers as an added benefit. Just like with Medicare Advantage, you must confirm that the specific Medigap plan you choose offers this feature.
How to check your eligibility
Confirming your eligibility is a straightforward process that can be done in a few different ways. This proactive step ensures you don't miss out on a valuable fitness resource that may already be available to you.
The online SilverSneakers eligibility tool
The most direct way to check is by using the official SilverSneakers website. They provide an easy-to-use online tool where you can enter your personal information, including your birthdate and zip code. The tool will then confirm whether you are enrolled in a qualifying health plan and guide you through the process of getting your member ID.
Check your plan's documents
If you have your insurance documents handy, you can review them for mention of SilverSneakers or similar fitness benefits. The Annual Notice of Change and Evidence of Coverage documents are good places to start. These materials outline all the services and benefits included with your plan.
Call your insurance provider
When in doubt, a direct call to your health insurance provider's customer service line is a reliable option. The number is typically on the back of your insurance card. A representative can quickly look up your policy and confirm if you are eligible for the SilverSneakers program.
What happens after you qualify?
Once you have confirmed your eligibility, getting started with SilverSneakers is simple. You can create an online account on the SilverSneakers website or download the SilverSneakers GO mobile app. This will give you access to your digital member ID, which you can use to check in at participating locations. You can also print a physical card from the website.
Finding participating locations and classes
The SilverSneakers network includes over 20,000 gyms, community centers, and other fitness facilities nationwide. The online location finder on the SilverSneakers website or the mobile app allows you to search for participating locations and classes near you. Classes are specifically designed for older adults and range from water aerobics and yoga to strength training and dance.
Online and on-demand resources
For those who prefer working out from home or who travel frequently, SilverSneakers also offers a wealth of online resources. The program provides access to SilverSneakers LIVE, a schedule of live virtual classes, and an extensive library of on-demand workout videos. These resources cover a wide range of fitness levels and activities, ensuring there's something for everyone, regardless of physical limitations.
SilverSneakers vs. other senior fitness programs
While SilverSneakers is a popular option, other senior fitness programs exist. It is beneficial to understand the differences to make an informed choice that best suits your needs.
| Feature | SilverSneakers | Renew Active | Silver&Fit |
|---|---|---|---|
| Sponsoring Company | Tivity Health | UnitedHealthcare | American Specialty Health |
| Availability | Available through numerous Medicare Advantage and Medigap plans (not UnitedHealthcare). | Primarily available through UnitedHealthcare Medicare Advantage plans. | Available through various Medicare Advantage and Medigap plans. |
| Network | Broad network of gyms, community centers, and online classes. | Includes participating fitness centers, online resources, and personalized fitness plans. | Wide network of fitness facilities, plus online and on-demand classes. |
| Special Features | FLEX community classes held outside traditional gyms, social events. | A focus on brain health through AARP Staying Sharp and personalized wellness programs. | A dedicated health coach, a magazine, and a quarterly newsletter. |
| Who Qualifies? | Requires a qualifying Medicare Advantage or Medigap plan. | Requires a UnitedHealthcare Medicare Advantage plan. | Requires a qualifying Medicare Advantage or Medigap plan. |
The value of a SilverSneakers membership
A SilverSneakers membership can offer more than just a gym benefit. The program is designed to foster a supportive community, helping to combat social isolation—a common concern for many older adults. Regular physical activity has been shown to improve mental function, increase mobility and flexibility, and reduce the risk of chronic diseases. For eligible individuals, having access to fitness facilities and classes at no cost removes a significant barrier to staying active and healthy as they age.
How to get started with SilverSneakers
- Check Your Eligibility: The first step is to visit the official SilverSneakers website and use the eligibility checker. This will confirm whether your Medicare Advantage or Medigap plan includes the program. You will need your health insurance information handy.
- Create an Account: If you are eligible, create an account on the SilverSneakers website. This will give you immediate access to your digital member ID.
- Explore Options: Use the online tools to find participating fitness locations near you or browse the library of online and on-demand classes. You can download the SilverSneakers GO app to have all this information readily available on your phone.
- Visit a Location: Present your member ID at a participating gym or fitness center. The staff will get you set up for your basic membership, which includes access to standard equipment and most classes.
- Start Your Journey: Begin exploring the various classes and resources available to you. Whether it's in-person group fitness or a virtual class from home, find what works best for your fitness goals and lifestyle.
For more information on Medicare plans and enrollment, you can visit the official Medicare website. This resource provides valuable details on the different parts of Medicare and can help you make informed decisions about your coverage options, including those that offer fitness benefits like SilverSneakers.
Conclusion: Your health in your hands
Qualifying for SilverSneakers is a matter of having the right health insurance plan, not just reaching a certain age. By understanding the eligibility criteria and taking the necessary steps to check your coverage, you can access a powerful program designed to help you stay physically active and socially engaged. With a wide network of gyms and a variety of online and in-person classes, SilverSneakers offers a flexible and comprehensive solution for senior fitness. Don't wait to see if you qualify—take control of your healthy aging journey today.
