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2020 Medicare Supplement Plans With Silver Sneakers

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What Parts Of Medicare Cover Silversneakers

Silver Sneakers and Medicare – Is it covered by your Medicare Plan?

The SilverSneakers program is not included under all parts of the Medicare umbrella. Namely, Original Medicare does not offer the program as a benefit.

However, Medicare Advantage plans might provide coverage depending on the provider you use. SilverSneakers is included as a bundled benefit in most Medicare Advantage plans, which also offer extra perks like vision, hearing, and dental coverage.

Medicare Supplement plans may also provide SilverSneakers membership as a benefit. These plans are designed to fill the gaps for services that arent covered under Original Medicare. But again, it will depend on your providers particular benefits package.

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What If My Plan Doesnt Include Silversneakers

Its in everyones best interests for insurance plans to offer fitness benefits. According to the National Institutes of Health, exercise protects against heart disease, stroke, diabetes, and can even help prevent some forms of cancer. It also improves mental health and contributes to a better quality of life. For these reasons, its not surprising that a Centers for Disease Control and Prevention study showed almost one-half of all U.S. workplaces include fitness benefits in their health plans.

SilverSneakers is a subsidiary of Tivity Health, the company behind Nutrisystem, Prime Fitness, and Wisely Well brands. Although its the largest company offering Medicare fitness programs, it competes against programs such as Active & Fit Direct and Silver & Fit.

Insurers that want to offer fitness benefits choose the program that makes the most sense for their members. Some insurance companies develop their own fitness networks. For instance, UnitedHealthcare recently scaled back its participation in SilverSneakers in favor of Renew Active, a new fitness program created exclusively for UHC Medicare Advantage members.

If your Medicare plan doesnt offer SilverSneakers, it may offer one of the other fitness programs. You may even get fitness benefits with your life insurance policy: For example, John Hancocks Vitality Program rewards policyholders who participate in an active lifestyle.

A Sample Of Silversneakers Fitness Classes

The SilverSneakers Medicare program offers over 70 types of fitness classes for all fitness levels, and each one is taught by a certified instructor. You can choose a class to help you meet a specific fitness goalfrom mobility to building muscle.

Here is a sample of what you might find:

SilverSneakers Classic

This is where it all started. With SilverSneakers Classic, the class adapts to your fitness level, using a chair for support if you need it and exercises can be modified to your ability as well. Overall, SilverSneakers Classic is a good way to help increase range of motion and muscle strength to make daily activities easier and improve overall well-being.

SilverSneakers Circuit

The SilverSneakers Circuit class is a choreographed routine set to music that incorporates movement with standing exercises that use rubber tubing and dumbbells. The class can be adapted to suit your fitness level, and chairs are available for support during the exercises.

SilverSneakers Cardiofit

A more rigorous workout than SilverSneakers Classic or Circuit, SilverSneakers Cardiofit is an aerobics-type class to build core strength, upper body strength, and cardio health. However, all of the exercises are low-impact.

SilverSneakers Yoga

SilverSneakers EnerChi

SilverSneakers Splash

SilverSneakers Stability

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How Can I Enroll In Or Switch To Silver Sneakers

You are able to add a Medicare advantage or supplemental insurance plan with Silver Sneakers benefits to your insurance, when you first become eligible, and enroll in original Medicare, typically when you turn 65 . You will have an initial enrollment period for Medicare that lasts from 6 months prior to 6 months past your 65th birthday. If you miss this time period, you may be able to join a supplemental policy at a later time, but you wont have a guaranteed right to be accepted anymore. If you plan on adding a Medicare advantage plan at a later time, you may do so each year in fall during the Open Enrollment period, which is each year in fall. If you missed the open enrollment, you have to wait, and enroll between October 15 and December 7 or switch to a Medicare advantage plan with SilverSneakers benefits. However, if a 5 Star Rated Medicare advantage plan with SilverSneakers is available to you, you may join that plan at any time during the year. Check with for available 5 Star Rated Medicare advantage plans in your area.

We hope that you will find your SilverSneakers plan and can join a fun fitness class! A regular workout will not only help you improve your agility and flexibility, by improving your fitness and overall health you may even be able to reduce the amount of drugs you are required to take and cut down your prescription drug expenses!

What Medicare Supplement Companies Offer The Active And Fit Direct Program

What is Silver Sneakers?

The American Specialty Health Incorporateds new fitness program has millions of members. The Active and Fit Direct Program has been the market a couple of years, and its become the countrys most notable commercial fitness program.

Further, many companies offer programs like Active & Fit. Aetna members may have access to these programs, although supplement insurance may vary.

Learn if your Supplement company offers the Active & Fit Direct Program by contacting your agent.

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Choosing A Medicare Plan With Silversneakers Benefits

You have a lot of choices when it comes to picking a plan with SilverSneakers benefits. Both Medicare Advantage and Medicare Supplement insurance plans offer SilverSneakers benefits. Be sure to carefully review all of the plans available in your local area.

Dont pick a plan just for the SilverSneakers benefit. Instead, be sure to pick a plan that is a good fit for you and meets the following needs:

  • Doctors who are important to you accept the plan.
  • The plan will cover the medications you take.
  • The plan has a monthly premium you can afford.
  • The plan has an out-of-pocket maximum amount that you can afford and that protects your savings.
  • The plan will cover you outside the United States .

When considering the two main plan types availableMedicare Advantage and Medicare Supplementkeep the following facts in mind:

  • If you choose Medicare Supplement, youll also have to enroll in a stand-alone Part D prescription drug plan .
  • You cant enroll in both Medicare Advantage and Medicare Supplement at the same time.
  • Medicare Supplement is generally more expensive than Medicare Advantage.
  • Your out-of-pocket costs are usually lower with Medicare Supplement.

Regardless of which route you take, youll need to be eligible for Original Medicare Part A and B before you can enroll.

The bottom line is that SilverSneakers is a very useful and valuable benefit, but you need to choose your Medicare plan based on your other needs as well.

Medicare Advantage Plans And A Medicare Gym Membership

Medicare Advantage plans are an alternative way to get your Original Medicare benefits. Private insurance companies also offer these plans, which must provide all the same benefits as Part A and Part B. The only exception is hospice care, which you still receive through Medicare Part A.

Medicare Advantage plans offer additional benefits as well in most cases. Many include prescription drug coverage. Some also cover vision and dental care. Since plans vary, it is important to compare plans to find the best coverage for you.

In 2019, Medicare Advantage plans were allowed to start offering additional benefits. Some of the additional coverage might be transportation to doctor appointments and adult daycare. Medicare gym membership can also be a benefit with a Medicare Advantage plan. Beneficiaries can enroll in Silver Sneakers to get membership to a fitness center near them.

If you are interested in a Medicare gym membership, make sure the Medicare Advantage plan you choose includes this benefit. You can join a Medicare Advantage plan during the Fall Open Enrollment Period that runs from October 15 to December 7 every year. If you are currently enrolled in a Medicare Advantage plan, you can also change plans during the Medicare Advantage Open Enrollment Period. This runs every year from January 1 to March 31.

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Do Medicare Supplement Plans Cover Silversneakers

Medicare Supplement plans are designed to help pay out-of-pocket costs with Part A and Part B . If something isnt covered by Original Medicare, it usually isnt covered by a Medicare Supplement plan. Medicare rules prohibit Medigap plans from offering extra benefits, but gym memberships such as SilverSneakers are the rare exception to the rule.

In some states, the major Medicare Supplement insurers such as Humana, BlueCross Blue Shield, AARP include SilverSneakers membership with some Medigap plans. These instances are few and far between though, as most Medigap plans do not include SilverSneakers, especially those offered by smaller insurance companies.

When Can I Apply For Medicare Supplement Insurance

United Healthcare (AARP) Medicare Supplement Plans in 2020 – AARP Medigap

Your open enrollment period starts when you turn 65 or when you first sign up for Part B. It lasts for 6 months. This is the best time to sign up, because youll get the best possible rate and cant be denied for a pre-existing condition. After this 6-month window closes, you can still apply but the insurance company may use medical underwriting. There is also the possibility that you could be denied.

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How Do I Get Enrolled In Silver Sneakers

The Silver Sneakers benefit varies from plan to plan. While not covered by original Medicare, some supplements do offer SilverSneakers. Through the SilverSneakers website, seniors who want to use this program can use the eligibility checker. This will provide more information on whether you are eligible. Seniors can also check with their Medicare provider for more information.

Lets go through the SilverSneakers relationship with United Healthcare.

Build Strength Improve Balance And Feel Better Inside And Out

This new series of SilverSneakers® videos is designed to help you start a fitness routine, improve your strength and balance, help reduce stress, and manage painall in an effort to help you live your best life. You can choose Beginner, Balance, Emotional Health,or Pain Management to get started.

Once you choose a series, youll receive a new video once a week for four weeks. As you gain strength and confidence, you may feel ready to explore the SilverSneakers On-Demand video library. In addition to digital classes youll find articles and videos on topics like nutrition, fitness challenges and more. Upon completion of your first selection of videos, you’ll have the opportunity to sign up for another series.

Congratulations on taking the first step!

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Which Parts Of Medicare Cover Silversneakers

Original Medicare does not cover gym memberships or fitness programs. Since SilverSneakers falls under this category, original Medicare doesnt cover it.

However, gym memberships and fitness programs, including SilverSneakers, are often covered as an additional benefit in Medicare Part C plans.

Private insurance companies approved by Medicare offer these plans.

Part C plans include the benefits covered by Parts A and B. They also typically have additional benefits like dental, vision, and prescription drug coverage.

Some Medigap policies will also cover gym memberships and fitness programs. Like Part C plans, private insurance companies offer Medigap plans. Medigap plans help to cover costs that original Medicare doesnt.

SilverSneakers members have access to the included benefits free of charge. Youll have to pay for anything that isnt covered in the SilverSneakers program.

If youre unsure about whats included at a specific gym, be sure to ask.

Additionally, its important to note that the specific amenities and classes available to you can vary by gym. You may have to search for a participating gym that meets your specific fitness needs.

SilverSneakers is a fitness program specifically geared toward older adults. It includes:

  • access to gym facilities

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Benefits Of Being And Staying Fit As We Age

Medicare and Medicaid Difference Guide

Balance is critical as we age. As our body gets weaker, the likelihood of falling increases. I can think of many instances in my life where someone I knew was doing fine. After a fall, their health deteriorated quickly.

The older we get, the longer it takes our bodies to heal. The best way to avoid a falling injury is to do exercises to help improve and maintain our abilities to balance.

Strength training is a little different from when we are younger. As we age, maintaining our strength is vital to keep our bodies strong enough to handle the tasks we complete daily. Strength training will also slow the pace that your muscles weaken.

Cardiovascular endurance will help with being healthy in many ways. The most notable will be lung health and oxygen levels. Staying cardio-healthy will increase lung capacity, increasing the amount of oxygen your body receives. Oxygen helps keep all aspects of your body healthy.

Flexibility/Mobility goes hand in hand with balance. If you can move more freely and have more elasticity of your joints and tendons, you are more likely to keep your balance.

Maintaining and increasing your flexibility will also lower joint and muscle pain, making day-to-day life more enjoyable.

Studies have shown that staying physically active also increases brain functions.

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Which Plans Offer Silver Sneakers

Remember most plans do not offer Silver Sneakers. Check out our Silver Sneakers Search tool to see if there are any in your area. You can see which Medigap plans participate in Silver Sneakers and can get quotes and apply directly.

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  • Medigap Plans with Extra Benefits: Ultimate Guide In the past few years, several insurance companies launched Medigap plans with additional or “extra” benefits. These plans not only offer the traditional core benefits required by Medigap plans, but also add ancillary coverage not included in Medigap plans such as, vision, dental, and hearing benefits. The trend of offering
  • Can’t Afford Medigap Plan G? Think Again While Medigap Plan G is not the cheapest Medicare supplemental insurance out there, it could save you a bundle if you have serious medical expenses. After reviewing this article the question you should ask yourself is, “Can you afford NOT to purchase Plan G?”

Why Take Advantage Of Silver Sneakers

The Silver Sneakers program has both physical and emotional effects. You can lower cholesterol, blood pressure, lessen the side effects of diabetes, and have more energy just by walking 30 minutes a day. Working out can improve mental health by lowering depression and loneliness while meeting new people.

According to Pychs Central, researchers at the University of Chicago have found: the impact of loneliness on premature death is nearly as strong as the impact of disadvantaged socioeconomic status, which they found increases the chances of dying early by 19%

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What Does Medicare Part A Cover

Is Plan G The Best Medicare Supplement Plan? The Pros and Cons of Plan G

Medicare Part A covers an assortment of items, including home health care, inpatient care in a hospital, hospice care, skilled nursing facility care, and inpatient care in a skilled nursing facility. notes that there are two ways to find out if Medicare covers what you need. This includes talking to your doctor or using an online tool to find the answer.

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Silversneakers And Silver And Fit Insurance Providers

While we cant list out the current SilverSneakers® and Silver and Fit® insurance providers , we can tell you that many of the major carriers that youve heard of offer these programs as a part of their Medicare Advantage plans.

If youre interested, we can set you up to chat with a licensed agent who knows everything about what plans are available in your area today. Just call 844-431-1832 or .

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What Your Peers Are Reading

Mutual of Omahas program will also include a mobile app that will recommend personalized daily wellness plans and exercise programs, and access to Tivity Healths alternative medicine discount program network.

The alternative medicine discount program includes about 20,000 providers of services such as chiropractic care and products such as vitamins.

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Veterans Benefits And Silversneakers

Veterans Affairs may offer the program in specific locations, but its best to check with your local VA office to obtain an up-to-date list of local gyms that offer classes.

You can use the Advantage plan to cover dental, vision, and fitness. Or, find a supplement that has an option to add Active and Fit benefits.

About Mutual Of Omaha

Medicare and Medicaid Difference Guide

Mutual of Omaha is an established company that started in 1909. Its most known for its life insurance policies, but its Medicare Supplement plans are popular. With 1.4 million Medigap policyholders, it has 10% of the market share.Medigap policies are sold under the brand names:

  • Mutual of Omaha Insurance Co.
  • United of Omaha Life Insurance Co.
  • Omaha Insurance Co.
  • United World Life Insurance Co.

Note that Mutual of Omaha no longer offers Medicare Advantage plans. In 2020, this small portion of the business with its 2,500 policies was sold to Essence Healthcare.

Mutual of Omaha is a financially strong company and is rated A+ by AM Best. This means you can feel confident that the company will be able to pay claims.

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