Staying physically active and moving can be a game changer as you get older. The CDC reports that one hour a day, five days a week, moderate exercise can help prevent heart disease, diabetes, and stroke. Exercise can help build muscle strength, increase stability and balance, and improve flexibility, which helps prevent dangerous falls.

There are a ton of fitness activities that can come in handy as we get older. Based on your personal preferences and your doctor’s suggestions, you can try exploring some of these fitness options:

To swim
Resistance band training

If you prefer group activities, you can inquire at a fitness class about the services they offer. Before embarking on a workout routine, always consult your doctor to assess your personal needs and determine the limits due to your current health needs.

So how can Medicare help you?

First of all, many people fear the costs of enrolling in a fitness class or paying for a gym, especially if they are retired and live on limited income. However, if you are eligible for Medicare because of your age or disability, your health insurance coverage can help pay for fitness classes offered in your area.

Although the original Medicare (Parts A and B) does not help pay for gym and fitness club membership, some Medicare Advantage plans may offer gym membership as part of their plan. additional benefits. Also known as Medicare Part C, Medicare Advantage plans are offered by private health insurance companies. These plans should cover at least as much as the original health insurance is willing to cover with regard to outpatient, inpatient and preventive care services.
In this article, I have discussed the types of fitness programs covered by Medicare. Let’s walk together.


SilverSneakers is the most famous program covered by Medicare Advantage plans, with more than 15,000 participating gyms and fitness centers across the United States. With so many locations, there’s a good chance you’ve got a fitness center near you. Here are some benefits of this plan:
Access to special classes designed for the elderly
Possibility to work with an instructor to monitor your progress
Opportunity to participate in the SilverSneakers FLEX program, which covers classes that include outdoor activities, line dancing and walking.

If you prefer to be at home or if your lifestyle does not allow you to be in a meeting, the SilverSneakers program will allow you to practice in your living room. There are videos and online components designed to help members stay connected and motivated to stay healthy. Before choosing your Medicare fitness coverage, review the SilverSneakers plan and determine if it is an item you can include in your plan’s benefits.

Money and fit

Silver & Fit is a private program that provides access to workout equipment in gyms, organized fitness classes and DVDs to help seniors age healthy. Some health insurance providers offer the program to eligible Medicare Supplement and Medicare Part C beneficiaries. People whose health insurance plan allows this service can register online with Silver & Fit and choose between one of these two fitness services:
– Exercise components so that you can exercise in the comfort of your privacy, or
– A low-cost or free membership to an active fitness center

Just like SilverSneakers, to enroll in Silver & Fit, you must be a beneficiary of Medicare Part C or the Medicare supplement. Keep in mind that in order to enroll in Medicare Part C, you must also be an original Medicare member.

Renew Active

Renew Active is a comprehensive health and wellness program designed to help Medicare beneficiaries achieve their fitness goals as they age. The program is available with select UnitedHealthcare Medicare Advantage plans and includes free membership at a participating fitness center and activities such as online exercises to support brain health.

With Renew Active, Medicare Part C beneficiaries can locate a fitness center near them with company location tracking. Those who prefer to work out at home can access Fitbit Premium with hundreds of training videos.

PHIT senior

The acronym PHIT stands for Personal Health Insurance Training. Offered with the Aetna Fitness Program, the Senior PHIT is the less famous of the other options. Since few people use Senior PPHIT, this does not mean that the fitness program is less useful. Medicare Part C beneficiaries can register online to begin taking advantage of Senior PHIT services. Its advantages include:
An online coach available 24/7 for any assistance
Ability to access hundreds of items to help seniors stay in shape
Two tailor-made plans that will help you exercise properly

How to join

If your Medicare Part C or Medicare Supplement offers a fitness program, the plan should let you know how you can access benefits. If not, you can contact your provider and ask how you can access the covered fitness benefit. Contact your insurer for more information on the sites you should visit for instructions on enrolling in home fitness programs.