SilverSneakers is a fitness program included with many Medicare Advantage plans. It gives you access to thousands of gyms and group classes at no added cost. 

Getting started is straightforward: show your Medicare Advantage card at a participating location or try a class online. SilverSneakers is built for all activity levels, and you can go at your own pace. If you want to use your Medicare Advantage coverage to support your health, SilverSneakers offers a simple, proven way to begin. Learn more about the program below. 

Who qualifies for SilverSneakers?

SilverSneakers is available to millions of Medicare beneficiaries, but not every plan includes it. Before you jump in, understand exactly who qualifies and what you’ll need in place. 

To be eligible for SilverSneakers, you must meet these criteria:

• You’re enrolled in a Medicare Advantage (Part C) plan that includes SilverSneakers as a benefit. Not all plans offer it, so check your plan’s details or ask your insurer directly.
• Most people qualify for Medicare at age 65, but SilverSneakers is also available if you’re under 65 and have Medicare due to a disability or certain conditions.
• Original Medicare (Part A and Part B) doesn’t cover SilverSneakers. A small number of Medigap (Medicare Supplement) plans may include this benefit, so it’s worth asking if you’re not sure.

There’s no separate application for SilverSneakers, and there aren’t any extra health or medical requirements beyond being on an eligible plan. Once your qualifying Medicare Advantage plan is active, you can activate your SilverSneakers membership online or by phone. You’ll receive a member ID that unlocks the full range of gyms, classes, and resources.

SilverSneakers benefits and features

With SilverSneakers, you get access to a wide range of fitness options at no extra cost beyond your Medicare Advantage coverage. Most members can use thousands of participating gyms and fitness centers nationwide. This includes standard gym equipment, pools, walking tracks, and open workout rooms.

SilverSneakers also offers a full schedule of group classes, both in-person and online. Classes cover everything from strength training and yoga to balance and mobility. You can choose your preferred way to participate: join a class in your community, stream a session at home, or do both.

Some plans include additional online resources, like guided workout videos and nutrition tips. The program is designed to be flexible, so you can find activities that fit your lifestyle, comfort level, and schedule.

If you’re looking for social connection, many SilverSneakers locations host events or group meet-ups. People often find it’s a straightforward way to stay active while building community with others who are also new to Medicare or SilverSneakers.

How to start using SilverSneakers

Once you know your plan includes SilverSneakers, getting started is simple. Visit the SilverSneakers website or call their support line to create your member profile. You’ll receive a member ID, which you can print or save to your phone.

To find a participating gym or class, use the online location finder or ask your local fitness center if they accept SilverSneakers. Bring your member ID and Medicare Advantage card to your first visit — staff can help you check in and explain which services are included.

Prefer to exercise at home? SilverSneakers offers live online classes and a library of recorded workouts. Just log in to your SilverSneakers account and choose the option that works for you.

Need help? SilverSneakers has a support team to answer questions about locations, schedules, or account setup. Most members are fully set up after just one phone call or website visit.

Tips for making the most of SilverSneakers

SilverSneakers is flexible, but building a few habits can help you see real results, whether you’re focused on fitness, meeting people, or just staying consistent.

Here are some ways to make the program work for you:

• Review the weekly class schedule and add a new class to your routine. This keeps things fresh, and you may discover an activity, like chair yoga or water aerobics, that you enjoy.
• Mix in-person and online classes. Many people prefer the convenience of a home workout on busy days, while in-person classes can offer more motivation and social connection.
• Bring your member ID and Medicare Advantage card to every gym visit. It helps staff quickly pull up your benefits and makes check-in easy, especially if you’re trying a new location.
• Use the SilverSneakers app or website to track your visits and set goals. Keeping tabs on your activity can boost motivation and help you celebrate progress over time.
• Set reminders for your workouts or classes. Treat them like any other appointment — it makes it less likely you’ll skip.
• If you run into problems (like trouble with your account or finding a location), reach out to SilverSneakers support or your plan provider.

A little structure can go a long way. The more you make SilverSneakers part of your week, the more benefits — physical and social — you’re likely to see.

Ready to put your Medicare Advantage plan to work?

SilverSneakers is one of the most practical extras you can get with Medicare Advantage — simple to use, available at thousands of locations, and designed to fit your lifestyle. Whether you’re looking to stay active, find a new routine, or connect with others, SilverSneakers makes it easy to start.

If you’re not sure whether your plan includes SilverSneakers, ask a licensed Medicare agent for help. Taking the first step is often all it takes. Your Medicare Advantage plan may offer more than you realize, so make the most of it, and see how SilverSneakers can work for you.

*Disclaimer:

The information provided in this blog post is intended for general informational purposes only and does not constitute medical advice. It is not a substitute for professional medical consultation or treatment. Always consult with a qualified healthcare provider for any questions you may have regarding a medical condition.

SmartMatch does not endorse or recommend any specific products, treatments, or procedures mentioned in this article. Reliance on any information provided in this blog post is solely at your own risk. We encourage you to discuss any health concerns or questions with your doctor before making any decisions about your health or treatment.