Does Medicare Cover Gym Membership?

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

Engaging in physical activity and improving fitness can have tremendous health benefits. However, it’s important to note that gym memberships or 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.

A few examples of this are:

Except for such circumstances, for any services not covered, you will be responsible for the entire cost.

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 of these plans include fitness-related benefits, such as gym memberships or discounts for gym classes 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 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 before deciding.

Bottom Line

It’s important to remember that Original Medicare (Parts A and B) does not cover gym memberships or fitness programs. However, some Medicare Advantage and Medigap plans offer gym membership coverage or fitness class discounts.

If you’re interested in finding a plan that includes this benefit, make sure to do your research before enrolling.

Sources: Medicare.govAARPMedical News Today


  • How Do I Get a Free Gym Membership with Medicare?

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

Mark Prip

Since 2003, Mark Prip has been leading  Policy Guide, Inc., providing knowledgeable information about Medicare, life insurance, and dental coverage to clients in over forty states. With his unparalleled hands-on experience aiding countless Medicare beneficiaries in selecting an appropriate health plan, he is a prime example amongst other competitors for expertise and assistance. Mark has held his Florida Health & Life Insurance License (E051889) since 2003. View his license profile on the Florida Department of Insurance website.