Fitness
Medicare and gym memberships: Here's what's covered and what's not
A recent report published by the Centers for Disease Control and Prevention shows that many older Americans aren’t getting the recommended amount of physical activity.
According to the CDC, if you’re 65 or older, your weekly physical activity should include 150 minutes of moderate-intensity aerobic activity, two or more muscle-strengthening sessions, and balance-improving activities.
Physical activity is important at any age, and especially as we get older. Exercise helps the body heal more quickly and prevent injuries, and also supports mental health and brain function.
One way to make exercising easier is to join a gym, which typically offers most or all of the CDC’s recommended activities.
To become a member of a gym in the U.S., the average monthly cost is $58. That figure can vary widely, from $15 per month to some that cost several hundred dollars or more per month depending on the location and type of equipment, classes, and amenities.
In the U.S., 20% of gym members are 65 and older.
Does Medicare pay for your gym membership?
Medicare coverage of gym memberships would seem like a no-brainer, given the importance of physical activity for older adults, right? Nope.
“Original Medicare does not cover gym memberships,” says Jean Brasher, vice president and Medicare specialist at Brasher Brokerage in Delray Beach, Fla.
Why is that, when exercise offers so many benefits?
“Medicare cannot cover fitness, because it’s not related to medical problems,” says Diane Omdahl, author of Medicare for You and cofounder of the Medicare advisory firm 65 Incorporated.
Medicare coverage includes medically necessary services and a small range of preventive services to prevent sickness (such as vaccinations) or detect illness early when treatment is most likely to be helpful.
However, if you’re willing to sign up for a Medicare Supplement insurance plan, also known as Medigap, you may get gym membership and fitness coverage.
Medigap plans generally cost $200–$300 per month, depending on the plan and your location, says Brasher. That’s in addition to your monthly traditional Medicare plan, which is $174.70 per month for most people, with a $240 annual deductible. The main function of Medigap plans is to cover out-of-pocket expenses not covered by original Medicare (such as the 20% co-pay and deductibles), she says, and fitness coverage is an added benefit.
As of this writing, Brasher says one insurance carrier, United Healthcare, does offer Medicare Supplement plans that do include extensive coverage of gym memberships and fitness classes—varied by location but possibly including pilates classes, water aerobics, stretching sessions, and more.
Fitness options with this insurance carrier are available throughout the U.S., so if you travel or spend part of the year in another area, or want to check what’s available locally at zero cost, you can input your zip code.
Be aware that you may be limited in the number of monthly classes or the hours you can use certain facilities.
Medicare Advantage coverage of gym memberships
This is one area where Medicare Advantage private insurance plans—which can be lower in price than traditional Medicare, but often have limited doctor and hospital networks and require prior authorizations—clearly offer more benefits than traditional Medicare, at least in recent years.
“In 2019, CMS [Centers for Medicare and Medicaid Services] opened the door for Medicare Advantage plans to offer supplemental health-related benefits,” including benefits related to fitness, says Omdahl.
Today, according to data from Kaiser Family Foundation, 95% of Medicare Advantage plans offer fitness benefits.
The benefits vary widely, but often cover fitness classes and gym memberships, says Brasher, with many of these Medicare Advantage plans offering zero-cost monthly premiums.
Other fitness expenses covered by Medicare Advantage
Some Medicare Advantage plans have supplemental benefits that cover fitness expenses beyond gym memberships and classes.
For example, Brasher says, one insurance carrier offers a PPO plan which includes an $800 supplemental benefit. “You can buy an Apple Watch, skis, camping equipment—there’s a long list of what qualifies as a recreational benefit,” she explains.
Medicaid coverage of gym memberships
Fitness coverage is not a mandatory type of coverage under Medicaid, but states may offer it.
Free fitness options
Communities often provide free fitness resources to older residents.
Senior centers may offer free health and fitness classes—information on which may be provided by your local Area Agency on Aging.
A word of caution
While fitness is important, Omdahl recommends looking at the big picture when choosing a Medicare plan.
“We always advise not to pick a Medicare plan for one of these supplemental benefits,” says Omdahl. “Plans can change, and your needs can change. You have to look at how the plan will work when you need medical care.”
More on Medicare:
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Fitness
Can a
Exercising regularly is important for preventing dementia. But if it’s hard to rack up the recommended amount of activity during the five-day work week (150 minutes of moderate-intensity activity, like brisk walking, or 75 minutes of vigorous activity, like swimming), consider the “weekend warrior” approach — fitting it all into one or two weekly sessions. The approach might offer the same brain health benefits, according to a study published online Oct. 29, 2024, by the British Journal of Sports Medicine. Researchers analyzed the health and self-reported activity information of more than 10,000 dementia-free people in Mexico who were followed for about 16 years. After accounting for factors that could influence the results, such as lifestyle habits, scientists found that weekend warriors were 13% less likely to develop mild cognitive impairment (MCI), a precursor to dementia, compared with people who didn’t exercise — about the same benefit seen in those who exercised during the work week. While the study was observational and can’t prove cause and effect, it supports the idea that even less frequent exercise might help protect brain health, and it might be a more convenient option for busy people.
Image: © Luis Alvarez/Getty Images
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Fitness
Fitness face-off – Harvard Health
What’s in style? The question doesn’t just relate to fashion. Indeed, even exercise styles go in and out of vogue, echoing trends fueled by social media and other cultural drivers.
Case in point: high-intensity bursts of exercise have grabbed headlines over the past couple of years, with scientists generating an array of studies examining the health benefits of short spurts of movement lasting from one to three minutes. That might consist of jumping jacks, lunges, running in place, jumping rope, air boxing, running up stairs, or any other high-intensity activity.
Meanwhile, plenty of research continues to focus on the health advantages of moderate-intensity, continuous movement. Mainstay choices for these sessions include brisk walking, cycling, jogging, and elliptical and treadmill use.
Given the swings in popularity between the differently paced alternatives, perhaps the most pressing question is which one is better for us. It might seem certain exercise patterns might prove superior to others, but we should resist the temptation to believe that, says Dr. Meagan Wasfy, a sports cardiologist at Harvard-affiliated Massachusetts General Hospital.
“There are always trends, and each one claims to be the latest and best way to move your body,” Dr. Wasfy says.
Breaking down the data
What health benefits does each approach offer? A sampling of recent studies and official health guidance weighs in.
Evidence supporting exercise bursts includes the following:
- A 2022 analysis of data collected on more than 25,200 people who didn’t otherwise exercise (average age 62, 56% women) published in Nature Medicine found that those who routinely did brief bursts of vigorous activity — defined as three bouts, each lasting a minute or two — had significantly lower odds of dying or developing cardiovascular disease over the following seven years than participants who didn’t.
- A 2023 analysis in JAMA Oncology of more than 22,000 people who didn’t exercise (average age 62, 55% women) suggested that even short, intermittent periods of intense movement — a minute at a time, three or four times a day — was linked with 18% lower cancer risk over the following 6.7 years, especially for cancers of the breast, uterus, or colon.
Evidence supporting longer, moderate-intensity exercise includes the following:
- Adults who do any amount of moderate-to-vigorous exercise derive health benefits, including reducing their risks of cardiovascular disease, diabetes, and some forms of cancer, according to the CDC.
- A 2022 analysis in JAMA Internal Medicine involving 78,000 people (average age 61, 55% women) found their risk of heart disease, cancer, and premature death dropped by 10% over the following seven years for every 2,000 steps they logged each day, with the benefit peaking at 10,000 steps.
Sense a theme from the findings? Regardless of intensity, it’s apparent that any movement is good for your health.
“No one comes out ahead with regards to the long-term outcomes,” Dr. Wasfy says. “What matters most is moving your body and doing more of it. The sum of movement, over the course of a year or decades of your life, is what matters.”
Exercise caveats
One clear advantage to exercise bursts — or its cousin, high-intensity interval training (HIIT) — is that any high-intensity activity enables you to fulfill recommended exercise guidelines in less time. Health organizations advise adults to get at least 150 minutes of moderate exercise or 75 minutes of vigorous exercise (or some equivalent combination of the two) per week. For an HIIT workout, you alternate vigorous, short sprints with brief periods of rest or lower-intensity movement.
“It’s a time-efficient way to get your recommended exercise dose in less time,” Dr. Wasfy says.
High-intensity exercise does pose a few drawbacks, however. These include a greater risk of injuries and inflammation to joints and muscles. Additionally, for people with heart disease or its risk factors, sudden bursts of exercise could be more likely to bring on new cardiac symptoms.
“If you’re writing an exercise prescription not knowing anything about someone’s health history, you’d write it for moderate-intensity, continuous exercise,” Dr. Wasfy says.
If you’d like to increase your exercise intensity but have existing heart disease — or symptoms such as chest pain with vigorous movement — talk to your doctor in advance. Older adults who’ve noticed their ability to exercise has declined should also speak up.
Ultimately, Dr. Wasfy says, you should choose a style of exercise you really like — and will do consistently — and disregard fitness trends. “If you’re healthy,” she says, “it’s really your choice.”
Image: © Luis Alvarez/Getty Images
Fitness
Amitabh Bachchan’s diet and workout routine for staying fit at 82: Pranayam, yoga stretches, gooseberry juice and more
Amitabh Bachchan is a living legend whose popularity surpasses that of his contemporaries. At 82, his unmatched energy and commitment to fitness continue to inspire generations. Despite facing severe health challenges like tuberculosis, his disciplined lifestyle has helped him stand tall and active in the industry. Curious to know the secret behind his fitness? Let’s dive into the insights of Amitabh Bachchan’s diet plan and workout routine. (Also read: Sonu Sood shares his diet and fitness secrets for toned body at 51: ‘I’ve never tasted non-veg and I don’t drink’ )
How Amitabh Bachchan stays fit at 82
Earlier, in an interview with Humans of Bombay, Amitabh Bachchan’s wellness trainer Vrindaa Mehta revealed the actor’s unwavering dedication to fitness. She shared, “If Amitabh Bachchan can make time to exercise, normal people can too. The mindset is, when you know something is good for you, you just do it. It’s not about comfort, it’s not about not having time… If Mr. Bachchan can make time to exercise, regular people can of course, take out time to exercise.”
Talking about his fitness routine, Vrindaa added, “My sessions with Amit ji are more about breath work. We start off with basic breath exercises and move on to pranayams, and basic yoga stretches. Mindset… He’s the father of it all.”
Wellness trainer Shivohaam, who also works with Amitabh, highlighted the actor’s remarkable commitment to fitness. “There are times when we have to tell him, ‘Let’s not train right now, it’s not ideal for you.’ The point is, he does take out the time, whether it’s morning, afternoon, or evening, or even between meetings because he knows it’s important,” shared Shivohaam.
Amitabh Bachchan’s diet secrets
Amitabh Bachchan’s diet revolves around discipline and variety. In one of his blog posts, the veteran actor shared that he begins his day with tulsi leaves, followed by a breakfast featuring items like protein shakes, almonds, porridge, or coconut water. Other favourites include gooseberry juice and dates, providing a power-packed start to his mornings with a mix of healthy nuts and proteins.
When discussing his eating habits, Big B revealed, “In my youth, I would eat, but now I have left eating non-veg dishes, sweet items, rice, and won’t speak any further.” Skipping desserts and limiting sugar intake have been significant lifestyle changes that help him maintain his fitness and avoid risks like obesity.
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