Does Medicare Supplement Plan G Cover SilverSneakers?

Medicare Supplement Plan G does not typically cover the SilverSneakers program. This is primarily because Original Medicare, which serves as the foundation for Plan G, does not include the SilverSneakers program in its Medicare coverage.

However, it’s worth noting that certain insurance companies may choose to offer the SilverSneakers program as an additional benefit with Medicare Supplement Plan G.

These benefits are considered “extra” and are not part of the standard coverage defined by Medicare. Therefore, it’s not guaranteed and varies between different insurance providers. Always check with your insurance company or potential insurer to see if they offer SilverSneakers with Plan G.

What Is SilverSneakers?

SilverSneakers is a comprehensive fitness program tailored specifically for older adults. It offers a broad spectrum of benefits, including access to fitness locations nationwide, a wide variety of classes suitable for all fitness levels (both onsite and online), and a community of peers with similar health and fitness goals.

SilverSneakers benefits include:

  • Access to over 16,000 fitness locations across the country
  • A variety of classes, including yoga, strength training, cardio, and more
  • Availability of classes both onsite at gyms and online for home-based workouts
  • Social events that promote a sense of community and belonging
  • Health education seminars and other resources for maintaining a healthy lifestyle

What Plans Cover SilverSneakers?

The following list provides a comparison of Original Medicare, Medicare Advantage, and Medicare Supplement plans in terms of their coverage for SilverSneakers:

  • Original Medicare (Part A and Part B) Original Medicare does not cover the SilverSneakers program, so beneficiaries must pay out of pocket to access it.
  • Medicare Advantage (Part C) – Private insurance companies offer these plans and cover everything included in Original Medicare (Parts A and B), often with additional benefits. Many Medicare Advantage plans include SilverSneakers as a benefit at no extra cost.
  • Medicare Supplement Insurance – These plans supplement the coverage of Original Medicare. However, like Original Medicare, they do not typically cover the SilverSneakers program. Some specific plans may include SilverSneakers as an added benefit.

Does My Plan G Include SilverSneakers?

To determine if your Medigap plan includes SilverSneakers:

  • Contact your insurance provider: The most straightforward way to know if your plan includes SilverSneakers is by directly contacting your insurance provider. Their customer service team should be able to provide accurate information about your plan’s benefits.
  • Check your insurance plan documents: Your plan’s benefits should be detailed in your policy documents. These could be provided to you physically or digitally when you purchase the plan.
  • Visit the SilverSneakers website: The SilverSneakers website has an online tool to check eligibility. You must input your personal information, including your health insurance membership number, to get the details.
  • Consult your agent or broker: If you purchased insurance through an agent or broker, they should have detailed knowledge about the features and benefits of your plan.
  • Pro Tip:

    It’s a good idea to check your SilverSneakers eligibility annually since benefits can change.

Bottom Line

Medicare Supplement Plan G typically does not cover the SilverSneakers program. However, some insurance companies may offer it as an additional benefit with their Plan G coverage.

It’s important to clarify with your insurance provider if they offer SilverSneakers before assuming it’s included in your plan. Other plans, such as Medicare Advantage, may also include SilverSneakers as a benefit. 

Sources: SilverSneakers | SilverSneakers Medicare Review | Enrolling in a Medigap Plan


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.