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Medicare and gym memberships: Here's what's covered and what's not

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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.

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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.

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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.

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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.

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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.

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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.”

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This exercise habit is making your skin look older, according to experts

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This exercise habit is making your skin look older, according to experts

There are so many dilemmas when it comes to exercise: quantity versus quality, volume versus intensity, high impact vs low impact. But when we factor in ageing well and maintaining beautiful, radiant skin is added in as a factor, the choices suddenly become clearer. 

If you want your skin to look great, don’t worry about clocking up more hours in the gym. There’s a way to efficiently do what’s necessary for your body – and it doesn’t involve excessive exercise, which can actually do more damage than good.

The next question, of course, is how? Join us in delving into this anti-ageing topic with three experts: a doctor, a personal trainer and longevity specialist. Here’s what they have to say…

How excessive workouts and stress cause cellular ageing

One of the biggest mistakes people make when it comes to working out is thinking that more activity always guarantees more benefits. However, poorly structured workouts with too much exercise or moves that are not well planned can lead to unnecessary wear and tear on your body (including your skin). 

© Getty Images
Moderate exercise boosts collagen and oxygen

This increases the risk of injury and results in chronic fatigue, which is counterproductive in the long term.

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“The ideal approach is to create a structured, optimised exercise plan that stimulates key biological markers (or indicators) associated with living a long and healthy life – but without placing undue stress on the body,” explains longevity expert Gonzalo Ruíz Utrilla. “What truly makes a difference [with exercise] is the type of physical challenge the body receives and how it adapts to it.”

If we overdo exercise past a certain age, we combine the stress of sport with a high allostatic load. The allostatic load is the wear and tear the body experiences as it responds to demands – not just physical, such as exercise, but also life stress.  When these loads become too heavy, they can over-activate your sympathetic nervous system. 

“This excessive activation triggers chronic stress,” says the expert. “This stress not only impairs your body’s ability to repair itself but also decreases your metabolism’s flexibility, promotes continuous systemic inflammation and causes cells to age more quickly.”

Fitness, black woman and push up exercise in home for wellness, healthy lifestyle and workout © Getty Images
Excessive workouts can cause us to look older than we are

The skin benefits: How moderate exercise boosts collagen and oxygen

How does working out affect blood circulation and tissue oxygenation, and what specific benefits does moderate exercise offer as far as skincare? 

Dr Sofía Ruiz del Cueto, co-director of Madrid’s Mira+Cueto aesthetic clinic, states that, “When you boost blood circulation, the skin receives a greater supply of essential oxygen and vital nutrients.

“This process allows the skin to renew itself by forming necessary collagen and elastin, and repairing damaged cells while also boosting hydration. It’s also effective at speeding up the removal of waste and toxins, which stops the kind of inflammatory reactions that cause premature ageing.” 

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Young Asian woman applying moisture cream at her face© Getty Images
In the right amount, exercise helps boost blood circulation, helping your body form necessary collagen and elastin

According to the doctor, “Exercise also modulates cortisol levels (a hormone related to stress), which helps prevent premature ageing.” 

She advises moderate cardiovascular exercise around three to five days a week, accompanied by a sensible diet rich in protein and antioxidants, as well as adequate hydration.

Is too much exercise making your skin look older?

You may be wondering if there are certain types of exercise that should be avoided because of the potential negative impact on your skin’s appearance.  “You should avoid overdoing your workouts, because too much exercise speeds up cell damage (oxidation) and increases inflammation in the body,” says the doctor.

The expert also has one big “Do” and a big “Don’t”:

  • Do stay hydrated before, during, and after exercise – it will keep your skin from being dehydrated, too.
  • Don’t exercise during peak UV exposure hours or in high temperatures.
 older woman looking at face and neck wrinkles in mirror© Getty Images
Too much exercise speeds up cell damage and increases inflammation

Impact training vs. strength training: Which is better for longevity after 50?

You may have also heard the notion that impact training accelerates ageing. According to CrossFit expert and personal trainer Jesús Valor, it’s crucial to understand precisely what “impact training” means, especially after the age of 50.

“By impact training, we don’t mean those group classes where jumping is the main feature of the workout, but rather exercises that make the bones, tendons and joints truly feel that they’re being engaged,” the expert says. “This is best achieved through strength training, which is highly recommended over 50 because, particularly for women experiencing menopause and a subsequent drop in oestrogen, they need to focus on it more than ever.”

 lateral raises for arm workout© Getty Images
“There is no scientific evidence that impact training, in moderation, accelerates skin ageing,” says Crossfit expert Jesús Valor

Muscle is an endocrine organ that sends internal messages. For this reason, he believes, impact workouts (adapted to individual needs) are beneficial in every sense.  “There is no scientific evidence that impact training, in moderation, accelerates skin ageing,” says Valor.

He advises that as time progresses, the body’s adaptation to stimulus and recovery naturally slow down, so the quality of your workout is paramount during midlife.

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Strength exercises are the most highly recommended for delaying ageing, including for your skin. We’re not talking about lifting huge amounts of weight, but about properly moving your body – it’s a win-win.

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Exercise in midlife linked with lower dementia risk | CNN

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Exercise in midlife linked with lower dementia risk | CNN

Scientists have hailed the benefits of exercising early in life to lower the risk of your brain degenerating later. But new research suggests that even once you’re 45 or older, it’s not too late to try.

Having the highest levels of physical activity in midlife and late life was associated with a 41% and 45% lower risk of dementia, respectively, found the study that published November 19 in the journal JAMA Network Open. Midlife was defined as ages 45 to 64, while late life was ages 65 to 88.

“This study shifts the conversation from ‘exercise is good for the brain’ to ‘there may be key windows when exercise matters most for brain health,’” said Dr. Sanjula Singh, an instructor in neurology at Harvard Medical School and principal investigator at the Brain Care Labs at Massachusetts General Hospital in Boston. She wasn’t involved in the study.

With an estimated 57 million people worldwide having dementia and nearly triple that number expected by 2050, the authors “wanted to investigate whether the impact of physical activity on dementia risk differed or stayed consistent across the adult life course,” said Dr. Phillip Hwang, lead study author and assistant professor in the department of epidemiology at Boston University School of Public Health, via email.

A downside of this study is that it can’t suggest how much exercise to do due to the measurement the researchers used, Hwang said. It was “a composite measure based on the number of hours a person spends sleeping, in sedentary behavior, and doing light, moderate and heavy activities in a day,” he added. “However, finding ways to be more active and moving around is important.”

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Hwang’s findings are also affirmed by other studies that suggested more specific guidance. A 2022 study found that people who walked just 3,800 steps per day lowered their risk of dementia by 25%, and, generally, the more steps participants walked, the greater the benefits were. Using a bike instead of a car, bus or train for transportation has been linked with a 19% lower risk of dementia and a 22% reduced risk of Alzheimer’s disease.

MORE: Exercise quiz: Find the best workouts for you

“Given what is already known about the benefits of physical activity on other conditions — such as the heart, mood, stress, etc., which are also related to the brain and cognition — there are lots of other reasons as well to be more active,” Hwang said via email.

Adults need at least 150 to 300 minutes of moderate aerobic activity or 75 to 150 minutes of vigorous aerobic exercise per week, according to the World Health Organization.

Such exercise could be, for example, 150 minutes of brisk walking, 75 minutes of vigorous running or cycling, and strength training a couple of times per week, Singh said. Singh is part of the team that developed the Brain Care Score, a 21-point assessment of how a person fares on physical, lifestyle, social and emotional factors they can change to protect their brain health.

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If you’re new to exercise, begin with slower or shorter workouts, then gradually increase intensity, said Dr. Raphael Wald, a neuropsychologist with Marcus Neuroscience Institute at Baptist Health South Florida. “Starting too aggressively can lead to orthopedic injuries, which may then limit your ability to exercise at all,” Wald added via email.

Build consistent habits that can help ensure you stay active daily, Wald said, such as walking for 20 minutes before work or taking a short movement break during lunch.

Tracking activity and dementia risk

The new study’s findings are based on 1,526 participants in early adult life — ages 26 to 44 — nearly 2,000 middle-age adults and nearly 900 older adults who were mostly White and part of the long-term Framingham Heart Study.

Physical activity levels in early adult life weren’t associated with dementia risk in either direction, the authors found. They also discovered that even for older adults who had the strongest genetic risk factor for Alzheimer’s disease — the APOE ε4 gene — high physical activity was still linked with a 66% lower risk of dementia.

The study has important limitations, experts said. “People who are more active may also engage in other healthy behaviors, have better baseline health, or differ in ways the researchers couldn’t fully measure,” Singh said.

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The team acknowledged that it didn’t have details on middle- and older-age adults’ physical activity levels in their early adult lives or how habits changed over time, which could also influence risk for dementia. Participants may also misjudge their levels, so studies with tracker wearables would be a more objective way to measure exercise, Singh said.

Midlife and late life possibly being extra critical for brain health may be explained by a few factors, experts said.

“Exercise plays a major role in maintaining vascular health,” Wald said. “The most common vascular risk factors — high blood pressure, type 2 diabetes, thyroid disease and high cholesterol — tend to emerge in midlife and later adulthood. It makes sense that exercise during these periods would have the greatest impact on reducing dementia risk.”

Physical activity is also thought to lower dementia risk by improving brain structure and function, alleviating inflammation and slowing the buildup of beta-amyloid proteins in the brain, Hwang said. The latter is a hallmark sign of Alzheimer’s disease.

If you’re reconsidering your fitness habits and other risk factors for dementia, Wald said, remember that maintaining balance and talking to your doctor about all the factors involved are essential.

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Winter Work Outs: Beware Of Vigorous Exercise That Can Harm Your Knees And Back

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Winter Work Outs: Beware Of Vigorous Exercise That Can Harm Your Knees And Back

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Winter is the peak season for preventable injuries, especially among people who go from zero to beast mode without warming up properly.

It is important to focus on the basics while working, especially in winter months

It is important to focus on the basics while working, especially in winter months

Winter and year-end have that weird motivational magic: the cold hits, the guilt kicks in, and suddenly everyone wants to “fix their fitness” overnight. Gyms fill up, running tracks get busy, and people jump straight from hibernation mode to high-intensity everything. And honestly? That’s where most winter workout injuries begin.

If you’ve ever felt your knees crack louder than your New Year’s resolutions or your lower back screaming after a surprise sprint session, you’re not alone. Orthopaedic doctors say winter is the peak season for preventable injuries, especially among people who go from zero to beast mode without warming up properly.

Dr Ashis Acharya, Orthopaedics and Sports Medicine, Sir Ganga Ram Hospital, New Delhi, puts it straight: “Cold muscles are tight muscles. Tight muscles get injured faster. Most knee and lower-back injuries in winter happen because people start vigorously without allowing the body to transition from cold to active.”

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Why Winter Makes You More Vulnerable

Think of your muscles like cold rubber bands. They’re less flexible, stiffer, and more likely to snap under sudden stress. When the temperature dips, your body goes into “leave me alone” mode.

Your muscles don’t get the same easy blood flow, so they take longer to warm up. Your joints feel a little creaky, like they’ve been sitting in one position too long. And your tendons? They tighten up like stubborn rubber bands, which means your knees and lower back have to work way harder than they should.

The Usual Culprits: Mistakes Everyone Makes

‘I’ll warm up as I go’: That’s like starting your car in freezing weather and immediately hitting 100 km/h. Your knees, especially the patellofemoral joint, take the first hit.

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Jumping from desk job to deadlifts: If you sit 8–10 hours a day, your hip flexors tighten, and your glutes go on vacation. Winter amplifies this. So, when you suddenly lift heavy, your lower back ends up doing the job your hips should be doing.

Running with cold shoes, cold muscles, cold everything: Runners are notorious for this. Cold mornings + no mobility work = knee pain that sticks around longer than your enthusiasm.

Overconfidence because ‘Winter feels good for workouts’: Sure, cold air feels refreshing. But inside, your joints are screaming, “please stop”.

What Actually Helps

  • Warm up for 10–15 minutes. Light mobility, marching, ankle circles, hip openers, simple but magic.
  • Start slower. Build intensity gradually over 2–3 weeks.
  • Layer up. Warm muscles = safer movements.
  • Strengthen the basics. Glutes, hamstrings, quads, core. These stabilise your knees and back.
  • Stretch after workouts. Winter tightness lingers, so cool-downs actually matter.

As Dr Acharya sums up, Consistency beats intensity. Winter workouts are great, but only if your body is ready for them.” You can absolutely crush your winter goals. Just don’t treat your body like it’s auditioning for an action film on day one. Warm up, ease in, stay smart, and your knees and back will thank you all season long.

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