SilverSneakers and Medigap Plans: Your Ultimate Guide

Staying healthy and active is important, especially as you get older. If you have a Medigap plan, you might have heard about a program called SilverSneakers. This program can help you stay fit and enjoy your life more. In this guide, we will explain what SilverSneakers is, how it works with Medigap plans, and why it’s a great choice for you. Let’s get started!

What is SilverSneakers?

SilverSneakers is a fitness program designed for older adults. It helps you stay active and healthy through exercise. The program offers:

  1. Gym Memberships: Access to thousands of gyms and fitness centers across the country.

  2. Fitness Classes: Specially designed classes for older adults, including yoga, strength training, and aerobics.

  3. Online Resources: Workout videos, fitness tips, and virtual classes you can do at home.

How Does SilverSneakers Work?

SilverSneakers is offered as a free benefit through many Medicare Advantage and Medigap plans. If your plan includes SilverSneakers, you can sign up and start using the benefits right away. Here’s how it works:

  • Check Your Eligibility: Find out if your Medigap plan includes SilverSneakers. You can do this by checking your plan documents or contacting your insurance company.

  • Sign Up: If you’re eligible, sign up for SilverSneakers online or at a participating fitness center.

  • Get Your Membership: Once you sign up, you will receive a SilverSneakers membership card. This card gives you access to participating gyms and fitness centers.

  • Start Working Out: Use your membership card to visit gyms and join classes. You can also use the online resources to stay active at home.

Medigap Plans and SilverSneakers

Medigap plans, also known as Medicare Supplement Insurance, help cover costs that Original Medicare (Parts A and B) doesn’t cover. These costs can include copayments, coinsurance, and deductibles. Some Medigap plans include extra benefits like SilverSneakers.

Which Medigap Plans Include SilverSneakers?

Not all Medigap plans offer SilverSneakers. Here are some steps to find out if your plan includes these benefits :

Check Your Plan Details: Look at the benefits section of your Medigap plan documents. It should list if SilverSneakers is included.

Contact Your Insurance Company: Call the customer service number on your insurance card and ask if SilverSneakers is part of your plan.

Visit the SilverSneakers Website: The SilverSneakers website has a tool where you can enter your insurance information to see if you’re eligible.

Benefits of SilverSneakers

Participating in SilverSneakers has many benefits that can improve your health and well-being. Here are some reasons why it’s a great program:

      1. Stay Active :Regular exercise helps keep your body strong and healthy. SilverSneakers offers a variety of classes and gym facilities to keep you moving.

      2. Socialize: Joining SilverSneakers classes allows you to meet new people and make friends. Socializing is important for your mental health and can make exercising more fun.

      3. Improve Balance and Strength: The classes are designed to improve your balance and strength, which can help prevent falls and injuries.

      4. Flexibility: With access to many gyms and online resources, you can work out in a way that fits your schedule and preferences.

      5. Mental Health Benefits: Exercise has been shown to reduce stress, anxiety, and depression. Staying active can improve your mood and overall mental health.

    Real-Life Stories

    Hearing from others who use SilverSneakers can give you a better idea of how the program can benefit you. Here are some real-life stories from SilverSneakers members:

    Story 1: Staying Active and Making Friends

    Betty, 70: “I joined SilverSneakers through my Medigap plan, and it has changed my life. I go to the gym three times a week and take yoga and aerobics classes. I’ve made so many new friends, and I feel stronger and healthier than ever.”

    Story 2: Improving Health

    George, 75: “My doctor recommended I start exercising to manage my diabetes. With SilverSneakers, I can go to the gym for free and join classes that are perfect for my age. My blood sugar levels have improved, and I have more energy.”

    Story 3: Enjoying Life More

    Mary, 68: “I was feeling lonely after my husband passed away. SilverSneakers gave me a way to stay active and meet new people. The classes are fun, and I look forward to going to the gym every week.”

    How to Make the Most of SilverSneakers
    Here are some tips to help you get the most out of your SilverSneakers membership:

    Try Different Classes: Experiment with different classes to find what you enjoy most. There are many options, from yoga to strength training.

    Set Goals: Set small, achievable fitness goals to keep yourself motivated. Whether it’s attending a certain number of classes each week or improving your balance, having goals can help you stay on track.

    Stay Consistent: Make exercise a regular part of your routine. Consistency is key to seeing improvements in your health.

    Use Online Resources: Take advantage of the online workout videos and virtual classes if you can’t make it to the gym.

    Invite a Friend: Exercising with a friend can make it more enjoyable and help keep you accountable.


    SilverSneakers is a fantastic program that helps older adults stay active, healthy, and socially connected. If you have a Medigap plan, check to see if it includes SilverSneakers. With access to gyms, fitness classes, and online resources, you can improve your physical and mental health while having fun.

    By staying active and using the tips provided, you can make the most of your SilverSneakers membership and enjoy a healthier, happier life. Start today and see the positive changes in your health and well-being!

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