Medicare Coverage for Fitness Clubs: Everything You Need to Know

Home » Resources » Medicare Coverage for Fitness Clubs: Everything You Need to Know

Understanding the importance of maintaining a healthy lifestyle and the role that fitness clubs can play in achieving that goal. That’s why we want to provide you with comprehensive information about Medicare coverage for fitness clubs. In this article, we will explore the eligibility criteria, coverage options, and key considerations related to Medicare and fitness club memberships.

Understanding Medicare Coverage for Fitness Clubs

Medicare is a federal health insurance program that primarily covers individuals who are 65 years or older, as well as certain younger individuals with disabilities. While Medicare offers a wide range of benefits, coverage for fitness clubs is not a standard inclusion. However, there are some circumstances in which Medicare may provide limited coverage or additional options to help you maintain an active lifestyle.

Eligibility Criteria for Medicare Coverage

To be eligible for Medicare coverage, you must meet certain criteria. Generally, individuals who have Medicare Part B are eligible for the specific fitness-related benefits that Medicare offers. It’s important to note that Medicare Part A, which primarily covers hospital stays, does not include coverage for fitness club memberships.

SilverSneakers Program

One notable program that offers fitness benefits for Medicare beneficiaries is SilverSneakers. SilverSneakers is a fitness program designed specifically for older adults and is included as a benefit in many Medicare Advantage plans and some Medicare Supplement (Medigap) plans. With SilverSneakers, you gain access to a network of participating fitness centers, gyms, and exercise classes at no additional cost.

Medicare Advantage Plans

Medicare Advantage Plans (Part C) are an alternative to Original Medicare (Part A and Part B). These plans are offered by private insurance companies and are required to cover at least the same benefits as Original Medicare. Some Medicare Advantage plans may offer additional fitness-related benefits, including coverage for fitness clubs. It’s essential to review the details of each plan to understand the specific benefits and coverage options available.

Other Fitness-Related Considerations

While Medicare itself may not directly cover fitness club memberships, it’s worth exploring other avenues that may help offset the cost. For instance, some employer-sponsored retiree health plans or supplemental insurance plans may provide fitness club membership benefits. Additionally, some fitness clubs offer discounted rates for Medicare beneficiaries or participate in community-based programs that provide fitness opportunities to older adults.


While Medicare coverage for fitness clubs may be limited, there are options available to help you maintain an active and healthy lifestyle. Exploring Medicare Advantage plans, programs like SilverSneakers, and other supplemental insurance options can provide access to fitness-related benefits. Remember to review the details of each plan or program and consider your individual needs and preferences when choosing the best option for you.


  • Medicare coverage for fitness clubs is not a standard inclusion in the program.
  • The SilverSneakers program offers fitness benefits for Medicare beneficiaries.
  • Medicare Advantage plans may offer additional fitness-related benefits, including coverage for fitness clubs.
  • Exploring employer-sponsored retiree health plans, supplemental insurance, and community-based programs can provide alternative options for fitness club memberships.

Useful Resources:

Insurance Facts

Join the 65+ million Americans
looking for insurance options

Description: Health insurance is a crucial form of coverage that helps protect you and your family from high medical costs. It provides financial support by covering medical expenses such as hospitalization, doctor visits, prescription drugs, and preventive care. Having health insurance ensures that you can access necessary healthcare services without facing significant financial burdens. Additionally, many countries mandate health insurance to ensure that their citizens receive essential medical care.

Description: Auto insurance is a legal requirement in most countries for anyone owning a vehicle. It offers financial protection in case of accidents, theft, or damage caused by your vehicle to others or their property. Different types of auto insurance, such as liability, collision, and comprehensive coverage, cater to various needs. It is crucial to have appropriate auto insurance to avoid potential financial losses and legal issues in the event of an accident.

Description: Life insurance is a policy that provides a lump sum payment to beneficiaries upon the insured’s death. It is an essential financial planning tool that offers peace of mind, knowing that your loved ones will have financial security and stability after you are gone. Life insurance can be used to cover funeral expenses, outstanding debts, mortgage payments, and even provide income replacement for the family. The amount of coverage needed depends on individual circumstances, such as family size, outstanding debts, and future financial goals.

Description: Homeowners insurance is designed to protect your home and personal belongings against unexpected events like fire, theft, vandalism, or natural disasters. It provides coverage for both the physical structure of your home and your possessions inside it. Moreover, homeowners insurance often includes liability coverage, which protects you if someone is injured on your property. Lenders typically require homeowners insurance for anyone with a mortgage to safeguard their investment.

Description: Travel insurance offers coverage for unforeseen events that may occur during your travels, both domestically and internationally. It can include benefits such as trip cancellation/interruption, medical emergencies, lost luggage, travel delays, and emergency evacuation. Travel insurance is especially important when planning expensive trips, traveling to remote locations, or engaging in adventurous activities. It helps mitigate financial losses and provides assistance when facing unexpected challenges away from home.

Newsletter Sign-Up:

Stay in the Loop!

Receive important insurance information right in your inbox weekly!

Newsletter Form | Email Verication