Are Gym Memberships Covered by Health Insurance or Medicare?
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NEWPORT BEACH, Calif. - Californer -- You may be surprised to find out that you are eligible for a discount to join a gym from your health insurance company. Most (but not all) health insurers are in partnership with gyms and fitness centers as a way to incentivize members to take better care of their health through exercise. For Medicare recipients, many Medicare Advantage plans offer SilverSneakers® and Silver & Fit Programs. Both of these programs offer free or discounted gym memberships and resources designed to help improve strength, flexibility, balance and endurance for seniors. Here's more on how you can save on a gym membership.

Key Takeaways
  • Many health insurance companies provide discounts for gym memberships.
  • Many Medicare Advantage plans offer memberships that allow free access to participating gyms.
  • You may be able to pay for a gym membership with an FSA, HSA or HRA, if you have one.

Will Health Insurance Pay a Gym Membership?

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While your health insurance won't pay your entire membership cost, most offer reduced rates for gym memberships, fitness gear and even online classes. Review your benefits with your current insurer. If you're not happy with the gym membership perks, consider another plan during Open Enrollment or if you are eligible for a Special Enrollment Period (

Even though it costs health insurance companies money to offer members these discounts, they understand that it will cost them much less down the road if members are actively using their memberships to stay fit and healthy. Consider that the next time you want to avoid hitting the mat!

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Fran Majidi

Source: SmartFinancial

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