Does Medicare Cover Gym Membership?

Although Original Medicare does not include coverage for gym memberships, alternative options are available for beneficiaries, such as programs like SilverSneakers.

Engaging in physical activity and improving fitness can have tremendous health benefits. Unfortunately, gym memberships and fitness programs are typically not covered by Original Medicare (Part A and Part B) unless you have a medical condition that requires physical therapy or rehabilitation.

Medically necessary services that Original Medicare may cover:

If you only have an Original Medicare plan, you will be responsible for the entire cost in situations other than the circumstances above. However, if you have a Medicare Advantage or Medicare Supplement plan, you can check below to see if you are eligible for any discount or coverage under these plans.

Does Medicare Advantage Pay For Gym Memberships?

Medicare Advantage plans, or Medicare Part C, are offered by private insurers and can provide additional benefits not covered by Original Medicare. Some Medicare Advantage plans include fitness-related benefits, such as gym membership or gym class discounts through programs like SilverSneakers.

If you’re enrolled in a Medicare Advantage plan, inquire with your insurer about the fitness-related benefits you may qualify for.

Do Medicare Supplement Plans Pay For Gym Memberships?

Some Medicare beneficiaries may have their fitness membership covered through a Medicare Supplement (Medigap) plan. Certain Medigap plans include a fitness benefit or may offer reimbursement for gym memberships and fitness classes.
It’s important to note that not all Medicare Supplement insurance plans provide this benefit, and the refund amount may vary. Therefore, it is crucial to thoroughly review each plan’s benefits.

Bottom Line

Original Medicare (Parts A and B) does not cover gym memberships or fitness programs unless medically necessary. However, some Medicare Advantage and Medigap plans offer gym membership coverage or fitness class discounts.

Please research before enrolling if you’d like to find a plan that includes this benefit.

Sources: Medicare.govAARPMedical News Today


  • How do I get a free gym membership with Medicare?

    If you are enrolled in a Medicare Advantage or Medigap plan, you may be eligible for a free gym membership. In some cases, these plans cover the cost of a fitness center or gym membership. You’ll need to check with your health plan provider to see if this is an option.

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