Short answer: a handful of Medicare Supplement (Medigap) companies include a SilverSneakers gym membership, mostly Anthem and several other Blue Cross Blue Shield companies. Most SilverSneakers memberships come with Medicare Advantage plans, not Medigap. Original Medicare does not cover it at all.
Medigap benefits are standardized by law, so a Plan G from one company covers the same medical costs as a Plan G from another. SilverSneakers is an extra the company adds on top of the policy. It is not insurance, it can change from year to year, and it should rarely be the main reason you pick a company.
Medigap companies that include SilverSneakers
| Company | Where | Cost | Details |
|---|---|---|---|
| Anthem Blue Cross Blue Shield | States where Anthem sells Medigap, including IN, OH, KY, MO, WI, VA, CT, CO, GA, NH, ME, NV and CA | Included | Listed as a value-added program on each state's Medigap page. Anthem says it can be changed or withdrawn. |
| Blue Cross Blue Shield of Arizona (AZ Blue) | Arizona | Included at no extra cost | Included with AZ Blue Medigap plans except the Senior Saver plans. |
| Blue Shield of California | California | Included at no extra cost | Blue Shield says SilverSneakers comes with all of its Medicare Supplement plans, including plain Plan G and Plan N. |
| Blue Cross and Blue Shield of Illinois | Illinois | Included with Plus plans only | Blue Medicare Supplement Plus plans add SilverSneakers, dental and vision. Standard plans get Blue365 discounts only. |
| Blue Cross and Blue Shield of Oklahoma | Oklahoma | Included with Plus plans only | Same setup as Illinois. |
| Blue Cross NC | North Carolina | Included for some members | Blue Cross NC says SilverSneakers is available to some Blue Medicare Supplement members. Ask which plans qualify. |
| Medical Mutual | Ohio | Included at no extra cost | Offered as a member program alongside the policy. |
| Premera Blue Cross | Washington | Included at no extra cost | Replaced FitOn Health in August 2025. |
| Bankers Life | Varies by state | Included with some plans | Bankers Life does not publish which plans include it. Ask before you apply. |
| Florida Blue | Florida | Extra cost | Available with every Florida Blue Medigap plan for an added monthly charge. |
| Highmark | PA, DE, WV | Extra cost | Only with the paid Whole Health Balance add-on (dental, vision, hearing and SilverSneakers). |
Companies with a different fitness program, or none
| Company | Fitness benefit | Details |
|---|---|---|
| UnitedHealthcare (AARP) | Renew Active | Gym membership included with AARP Medicare Supplement plans, where available. |
| Mutual of Omaha | Mutually Well | Optional gym membership for about $29.99 a month, plus member discounts. See Does Mutual of Omaha cover SilverSneakers? |
| Humana | Not included | Humana's Medicare Supplement plans, including Humana Plan G and Humana G Achieve, do not include SilverSneakers. Humana offers it with Medicare Advantage plans. See Humana G vs. Humana G Achieve. |
| Aetna | Not listed | Aetna's Medigap plan pages do not list SilverSneakers. Aetna Medicare Advantage plans include it. |
| HealthSpring (formerly Cigna) | Discounts only | Discounted gym memberships through member perks, not a free membership. |
| Blue Cross and Blue Shield of Texas | Not included | Texas Medigap extras are hearing, vision, nurse line and Blue365 discounts. |
| Blue Cross Blue Shield of Michigan | Discounts only | Blue365 fitness membership discounts, not SilverSneakers. |
Checked on each company's own Medicare Supplement website on November 14, 2026. Fitness programs are extras outside the Medigap policy and can be changed or withdrawn by the company at any time. Availability depends on your state and the plan you choose.
What SilverSneakers includes
- A basic membership at thousands of participating gyms and fitness centers across the country
- Group classes designed for older adults, at the gym and in community locations
- On-demand and live online classes, plus the SilverSneakers GO app for working out at home
See what it looks like with one carrier in SilverSneakers BCBS-IL Value.
How to check if you already have SilverSneakers
- Go to SilverSneakers.com and use the eligibility check with your plan member ID.
- Or call the number on the back of your Medigap card and ask whether a fitness program comes with your policy.
- Once you have your SilverSneakers ID, bring it to any participating location to sign up.
Is a gym benefit worth choosing a plan over?
Usually not on its own. A gym membership is worth roughly $25 to $35 a month, and premiums for the same plan letter can differ by more than that between companies. Compare the full yearly premium first, then treat SilverSneakers as a tie-breaker. If you already have a Medigap plan you like, switching companies later can mean answering health questions, so check before you drop a policy for a perk.
Talk to a licensed iHealthAgents advisor
We compare Medigap plans from multiple companies, including which ones come with SilverSneakers in your state, at no cost to you.
Or call 855-847-7020 ext. 2 or email help@ihealthagents.com.
For educational use only. iHealthAgents does not offer every plan available in your area. Contact Medicare.gov or 1-800-MEDICARE for information on all of your options. SilverSneakers is a registered trademark of Tivity Health, Inc.
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