Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Nov 3, 2021

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The Lowdown

  • Traditional Medicare won’t cover gyms
  • There are options for gym savings with Medicare Advantage
  • SilverSneakers is also a great program for qualifying seniors

Getting in better shape is a great way to cut down on medical costs but finding gyms that accept Medicare might be a little more complicated than you expect.

While other health insurance companies might offer gym savings, traditional Medicare does not.

While you’re researching affordable gyms that accept Medicare, enter your ZIP code into our free quote tool above to see what you could pay at other insurers.

How do I find gyms that accept Medicare?

If you’re trying to find gym memberships covered under your traditional Medicare plan, you’ll quickly discover that traditional Medicare plans don’t cover a gym membership.

However, if you’re looking for another provider or if Medicare extends coverage to gyms in the future, you’ll be able to find the information you need pretty quickly.

Through Medicare’s various databases, you’ll find plenty of providers:

  • – Through the Physician Compare online database, you can find several providers that will offer your coverage.
  • Medicare Card – On your Medicare insurance card, you’ll find a number that you can call to get in touch with an operator who has access to covered providers.

While gyms aren’t covered under the traditional Medicare plans, you may still be able to find a physical therapist or another doctor that can help you with a specific issue.

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What are the costs of a gym membership with Medicare?

If you are on the regular Part A or B coverage, you will likely be responsible for 100% of the cost you face when you start your membership. That doesn’t mean you won’t see a benefit on your plan, and a healthier lifestyle will translate into lower insurance costs and fewer medical bills in the future.

Does Planet Fitness take Medicare insurance? Unfortunately, no. Unless your Medicare Advantage plan supports gyms like Planet Fitness, you’ll still have to pay for that membership.

What if my Medicare plan doesn’t cover gym memberships?

What gyms take Medicare? None under the traditional Medicare coverage.

While a traditional Medicare Part A or B plan won’t cover your gym membership, some private insurance companies offer savings through their Medicare Advantage plans.

These private insurance companies might offer savings in the form of discounted or comped gym memberships. The discounts can also come in the form of discounted monthly premiums for as long as you keep an active gym membership.

If you’re trying to enroll at a gym with traditional Medicare or a Medicare Advantage plan that doesn’t support it, you’ll likely have to pay for your own gym membership.

What is SilverSneakers?

SilverSneakers is a program offered through some Medicare plans and provides gym access and fitness activities for elderly individuals. It’s reported that many of the SilverSneakers participants who attend frequent gym sessions have scored higher mental and physical health scores.

To qualify, you must be over 65 and enrolled in a current Medicare plan. To check your eligibility with your Medicare plan, you can go to the official website and determine if your plan is eligible for coverage.

To enroll in the SilverSneakers program for seniors, you’ll first need to check your eligibility through the program’s official system. To do this, you’ll have to provide information like:

  • Your Name
  • Date of Birth
  • Location
  • Contact Information

Once you’re eligible, you should be ready to attend participating gyms and online classes as soon as possible.

What You Need to Know About Gym Memberships and Medicare

Don’t be discouraged when you’re looking to find local gyms that accept Medicare. While there may be no options under traditional coverage, Medicare Advantage plans and SilverSneakers could be your ticket to gym membership discounts.

Now that you’ve researched quotes for gyms that accept Medicare, enter your ZIP code into our free quote tool below to find local insurance companies that offer gym membership discounts.