Does Humana Cover SilverSneakers?

Yes, most Humana Medicare Advantage plans cover SilverSneakers.

But first, make sure your specific plan includes it. This guide will help you figure out the details.

SilverSneakers is a comprehensive fitness program for seniors, offered at no cost with many Humana Medicare Advantage plans. It provides access to a vast network of gym memberships and wellness centers.

Participants can take part in various fitness classes and guided workouts, or choose to exercise independently.

Additionally, the program offers a sense of community, where seniors can socialize and engage in wellness activities together.

With over 15,000 participating locations across the U.S., including well-known gym franchises and community wellness centers, SilverSneakers is one of the most accessible wellness perks available through Medicare Advantage.

But not every plan offers it. If you’re a Humana Medicare beneficiary – or considering becoming one – you might ask:

Does My Humana Plan Cover SilverSneakers?

The answer depends on the specific plan and your geographic location.

Humana is a leading Medicare Advantage (Part C) plan provider and serves millions of members across the U.S. The company offers a variety of health plans, and many of them include SilverSneakers membership at no extra cost.

However, not all plans offer this benefit. Some may provide alternative fitness options, such as Humana’s own Go365® rewards program, or different wellness initiatives tailored to regional markets.

This article will explain everything you need to know about Humana’s SilverSneakers coverage, how to confirm eligibility, and what to do if your plan doesn’t include it.

How to Check If Your Humana Plan Covers SilverSneakers

If you’re unsure whether your Humana Medicare Advantage plan includes SilverSneakers, you have several ways to find out.

Log in to your Humana Member Account: Check the “Benefits” or “Wellness” section for any fitness perks or SilverSneakers reference. Call Humana Customer Service: The number on your member ID card connects you directly to support. Visit SilverSneakers.com: Use their eligibility checker tool with your Humana member ID and date of birth. Review your plan documents: Look for mentions of “SilverSneakers,” “fitness benefit,” or “health and wellness” in your Summary of Benefits or Evidence of Coverage. Consult a licensed Medicare agent: They can look up which Humana plans in your area include SilverSneakers.

Why SilverSneakers Coverage Can Vary by Plan and Location

Even though many Humana Medicare Advantage plans include SilverSneakers, coverage is not universal across all plans or states.

This variation occurs because Medicare Advantage plans are regionally based and regulated, and Humana must tailor its offerings to meet the needs and rules of different service areas.

As a result, a plan that includes SilverSneakers in one part of the country may not offer it in another.

Additionally, plan details can change from year to year, so a plan that offered SilverSneakers in the past may not include it in the future, or vice versa.

That’s why it’s important for beneficiaries to carefully review their plan documents during the Medicare Annual Enrollment Period each fall.

Comparing the available benefits, including fitness options like SilverSneakers, ensures that you’re choosing a plan that supports both your health goals and lifestyle preferences.

What Is SilverSneakers?

SilverSneakers is a valuable benefit of many Medicare Advantage plans, including those covered by Humana, primarily because it focuses on senior health and wellness.

It is a comprehensive fitness program for seniors, offering various physical activities catering to varying fitness levels.

The program includes access to gyms, community centers, and social events, enabling seniors to comfortably and conveniently engage in physical fitness routines.

Moreover, SilverSneakers promotes social interaction by creating a vibrant community of seniors participating in these wellness activities.

SilverSneakers provides:

• Access to 15,000+ fitness centers across the country
• Group exercise classes for all fitness levels (e.g., yoga, strength, cardio)
• Online workouts and fitness content for at-home exercise
• Social activities and community-building events
• Wellness education and chronic disease prevention resources

The program’s primary goal is to promote healthy aging by encouraging regular exercise and social interaction, which may help reduce healthcare costs and improve quality of life.

Does Humana Offer SilverSneakers as a Benefit?

Yes. Many of Humana’s Medicare Advantage plans include SilverSneakers, particularly those available in urban and suburban areas with many participating gyms.

Examples of plans that may include SilverSneakers:

• Humana Gold Plus HMO
• Humana Choice PPO
• Humana Value Plus HMO

These plans often combine traditional health coverage with supplemental benefits like dental, vision, hearing, and yes, fitness.

Still, not every Advantage plan offers SilverSneakers. In some markets, Humana may provide other options like:

• Go365®: A wellness rewards program that incentivizes healthy behaviors
• Fitness reimbursement programs
• Customized wellness discounts with local providers

Do Humana’s Medigap Plans Offer SilverSneakers as a Benefit?

Humana’s Medigap (Medicare Supplement) plans generally do not include SilverSneakers as a standard benefit.

Medigap plans are designed primarily to cover out-of-pocket costs associated with Original Medicare, such as copayments, coinsurance, and deductibles.

These plans typically do not include the additional wellness or supplemental benefits, like gym memberships or fitness programs, that are more commonly found in Medicare Advantage (Part C) plans.

That said, there are some exceptions and regional variations.

In certain states or plan years, Humana may offer limited access to fitness benefits through partnerships or add-on wellness programs, but this is not guaranteed or uniform across all Medigap plans.

Some members may have access to discounts on health and wellness services, or to Humana’s Go365 program, which offers rewards for completing healthy activities.

However, these offerings are not the same as full SilverSneakers access and should not be assumed as part of a standard Medigap package.

Does SilverSneakers Cost Anything?

If your Humana plan includes SilverSneakers, you pay $0 for the program.

While SilverSneakers membership itself is free under eligible Humana plans, there could be optional or incidental expenses, such as:

• Premium classes or amenities not covered by SilverSneakers (like massages or spa services at some gyms)
• Travel costs if you attend a gym far from home
• Additional health plan premiums (if your Humana Advantage plan has a monthly premium beyond the standard Medicare Part B premium)

Pro Tip: Always ask the gym or wellness center if any services fall outside the SilverSneakers program to avoid surprises. Most basic fitness access and group classes are included, but extras vary by location.

How Do I Enroll in a Plan With SilverSneakers?

You must follow a few steps to enroll in a Humana Medicare Advantage insurance plan that covers SilverSneakers.

#1. Eligibility Check: First, ascertain that you are eligible for Medicare. To qualify, you need to be at least 65 years old or have a disability. Additionally, you must be a U.S. citizen or a permanent resident.

#2. Research Plans: Once you confirm your eligibility, research the various Medicare Advantage plans available in your location. You can use the plan finder tool on the official Medicare website to find a plan that suits your needs. Remember, not all plans include SilverSneakers. So, check for this specific benefit while comparing different plans.

#3. Enroll: After identifying an appropriate Medicare Advantage plan, you can enroll in it during the Medicare Annual Enrollment Period, which typically runs from October 15th to December 7th. Alternatively, if you are newly eligible for Medicare, you can enroll during your personal enrollment period, which starts three months before your 65th birthday and ends three months after.

#4. Confirm SilverSneakers Membership: Once your enrollment in the chosen Medicare Advantage plan is confirmed, verify your SilverSneakers membership. You can do this by visiting the SilverSneakers website, entering your information, and checking your eligibility.

Remember, the benefits and premiums of Medicare Advantage plans may vary, so it’s crucial to review and understand your selected plan before enrollment.

Alternatives to SilverSneakers

If your Humana plan does not include SilverSneakers, don’t worry – you still have options:

• Go365 by Humana: Earn points for completing health assessments, physical activities, and preventive screenings. You can redeem your points for gift cards and wellness items.
• Fitness Reimbursement: Some Humana plans reimburse gym memberships or offer discounts.
• Community Fitness Discounts: Depending on your location, Humana may partner with local fitness centers to provide exclusive offers.

About Humana

Humana Inc. is one of the largest health insurers in the U.S., especially known for its Medicare Advantage offerings. As of 2025, Humana serves millions of Medicare members across all 50 states.

Humana offers a variety of Medicare plans, including:

• Medicare Advantage (Part C)
• Medicare Prescription Drug Plans (Part D)
• Medicare Supplement Insurance (Medigap)

While SilverSneakers is most commonly included in Medicare Advantage plans, it’s less likely to appear in standalone Medigap policies.

When shopping for coverage, be sure to compare plan types and regional availability.

Final Thoughts

SilverSneakers remains one of the most popular wellness benefits available through Medicare Advantage, and many Humana plans include it in 2025.

If staying active and socially connected is a priority, it’s worth checking whether your plan includes this benefit or switching to one that does during Open Enrollment.

To make the most of your Medicare coverage:

• Confirm SilverSneakers inclusion before enrolling
• Compare plans annually during the Medicare Annual Enrollment Period (AEP) from October 15 to December 7
• Ask about alternative wellness programs if SilverSneakers isn’t included

Fitness and wellness should be accessible at every age – and with the right plan, they can be.

Sources: Humana | Go365

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