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:

• Physical therapy is medically necessary for the treatment of injuries or illnesses.
• Group sessions to prevent diabetes and programs to help manage your condition, change your diet, increase exercise, and control weight.
• People with diabetes or kidney disease can access nutrition therapy as a valuable preventive benefit, free of charge.
• Weight-loss counseling is offered to individuals with a BMI of 30 or higher. The program includes obesity screening, dietary assessment, and behavioral therapy. Focusing on diet and exercise helps you reach your weight loss goals.

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?

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.gov – AARP – Medical News Today

FAQ's

• 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.