If you are looking forward to starting a steady, exciting, and rewarding exercise program, SilverSneakers 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 SilverSneakers program. If you’re wondering how to enjoy the benefits of the extensive program and what your insurance offers, keep reading.

SilverSneakers: Key Takeaways

  • The SilverSneakers 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 SilverSneakers benefits, but Medicare Advantage and other Medicare supplement plans often do.

What is the SilverSneakers Program?

SilverSneakers 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, SilverSneakers offers at-home classes and equipment to make exercise accessible to all.


To be eligible for the SilverSneakers 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 SilverSneakers membership you can visit the SiverSneakers.com site to check eligibility.


The SilverSneakers 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 SilverSneakers 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.


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, SilverSneakers’ 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 SilverSneakers 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

SilverSneakers’ 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 SilverSneakers Program?

Medicare Part A and Part B do not include the SilverSneakers 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 SilverSneakers program, so it is probable that your plan will have access to it as well.

Do Medicare Supplement Plans Include SilverSneakers 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 SilverSneakers 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 SilverSneakers?

Programs offered under Medicare Advantage and Medicare Supplement Plans typically include the SilverSneakers 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 SilverSneakers 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 SilverSneakers

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

by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.