seniors working outIf you are looking forward to starting a steady, exciting, and rewarding exercise program, Silver Sneakers may be a suitable option for you. Getting active and setting up an exercise regime is important to keeping good health and leading a well-balanced lifestyle. Some insurance plans even offer coverage for the Silver Sneakers program. If you’re wondering how to enjoy the benefits of the extensive program and what your insurance offers, keep reading.

Key Takeaways

  • The Silver Sneakers program promotes exercise and fitness for seniors.
  • Eligibility is determined by your primary healthcare plan.
  • The program offers free or discounted gym memberships, live and virtual workout classes, and nutritional guides.
  • Medicare does not offer Silver Sneaker benefits, but Medicare Advantage and other Medicare supplement plans often do.

What is the Silver Sneaker Program?

Silver Sneakers is a program that promotes exercise and fitness routines for older adults. The program promotes physical health by offering free or discounted memberships to public and private gyms across the country. If you’re not a fan of the gym or live far from a fitness facility, Silver Sneakers offers at-home classes and equipment to make exercise accessible to all.


To be eligible for the Silver Sneakers program, you must have a healthcare plan that offers this specific program. Including the program in your healthcare policy is an important selling point when choosing between plans. To check if your insurance company offers a Silver Sneakers membership you can visit the site to check eligibility.

Silver Sneaker Services

The Silver Sneakers program offers a variety of fitness plans and classes to suit a wide range of health conditions and lifestyles. Aside from the free or discounted gym memberships, the program additionally offers its own range of instructor-led virtual classes, in-person classes, and group activities. In addition to exercise, the Silver Sneakers program aims to embody an all-around healthy lifestyle for its participants. Nutrition classes and guides are also provided. More information regarding these classes and what they entail can be found below.

Classes Offered By Silver Sneaker

As mentioned, the program offers a wide variety of classes that each contain its own unique benefits. As a result, there are classes available for every program member regardless of age, lifestyle, or current activity level.

FLEX Classes

FLEX classes are instructor-led classes done on a variety of topics. Although most are activity-based, there are a few classes that are mainly focused on increasing your knowledge of nutrition and what it means to live a well-balanced lifestyle. FLEX classes can range from cardio and strength courses all the way to nutrition courses.

Live Virtual Classes

If you don’t want to leave the comfort of your own home, but still want to get active, Silver Sneakers’ live virtual classes are a great way to get in group activity on your own. Classes include light cardio classes, chair aerobics, barre classes, and many more. All of these workshops are offered through zoom and are a great option if you want a group atmosphere but don’t want to leave your home.

On-Demand Videos

On-Demand videos are similar to the live virtual classes but can be done at whatever time you are available. Numerous instructor-led on-demand videos are accessible at any point in time should you be busy during a live class.

Gym Fitness

With a Silver Sneakers membership, you get access to discounted or free memberships to over 16,000 gyms nationwide. With these memberships, you can get access to special in-person and instructor-led classes and all of the amenities gyms offer. This may include free weights, machines, pools, saunas, and more.

Group Activities

Silver Sneakers’ group activities are perfect to get active while socializing and meeting a new community of people with similar lifestyles. Instructor-led classes are specifically designed to offer the right support and activity level of older adults. In addition to cardio, classes include circuit training, yoga, water aerobics, and more.

Does Medicare Cover the Silver Sneakers Program?

Medicare Part A and Part B do not include the Silver Sneakers program. However, a majority of Medicare Advantage plans include this program, but it’s important to check with your specific plan and benefits. In addition to Medicare Advantage, over 60 health plans across the country include a Silver Sneakers program, so it is probable that your plan will have access to it as well.

Do Medicare Supplement Plans Include Silver Sneakers Coverage?

Medigap, also known as the Medicare Supplement Plans, are private, add-on insurance plans that help protect you from gaps in Medicare Parts A & B. These gaps are typically out-of-pocket expenses in the form of deductibles, copays, or coinsurance. A few supplement plans aside from Medicare Advantage offer the Silver Sneakers program. If having the program benefits is important to you, verify that the supplement plan you want has the program included.

Where Can You Find Insurance Programs That Include Silver Sneakers?

Programs offered under Medicare Advantage and Medicare Supplement Plans typically include the Silver Sneakers Program. These plans have a wide range of benefits available at different price points. To search for a Medicare Advantage or Supplement Plan that offers this benefit, the Silver Sneakers program developed a search tool with all the insurance programs that offer their service. The search tool can be found on the SilverSneakers website.

What To Do If Your Plan Drops Silver Sneakers

If your insurance plan is dropping program, you cannot join with a different insurance plan. However, insurance plans that drop Silver Sneakers typically replace the program with other gym benefits offered through another company. It is important to not base your insurance plan solely on Silver Sneakers in case this may happen.