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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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Quarantine Fitness Trends & Top Exercises During COVID-19

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How to stay active and motivated during quarantine

When your daily routines are disrupted, finding the motivation to exercise can be a challenge. The key is to build a new structure that works for you. Schedule your workouts as you would any important appointment to create commitment and turn intention into action.

Focus on consistency rather than intensity, especially when adapting to a new environment. Setting small, achievable goals—like a 20-minute walk or a short bodyweight circuit—can build momentum. Remember that any movement is better than none, and establishing a regular habit is the most important first step.

At-home and outdoor exercise ideas

You don’t need a fully equipped gym to maintain your fitness. Many effective workouts can be done with minimal or no equipment, either in your home or safely outdoors.

  • Bodyweight training: Exercises like squats, push-ups, lunges, and planks are foundational movements that build strength using your own body as resistance.
  • Yoga and mobility: Focusing on flexibility and movement quality can reduce stress and improve recovery. Many free resources are available for guided yoga flows and mobility routines.
  • Outdoor cardio: If you can do so safely, activities like walking, running, or cycling are excellent for cardiovascular health and provide a much-needed change of scenery.

The most popular quarantine exercises, according to WHOOP data

A recent study examined data from 50,000 WHOOP members between January 1 and May 15, including over 4.9 million workouts. This comparison captured exercise behaviors before and during social distancing, using March 9 as the cutoff—the week the World Health Organization classified COVID-19 as a pandemic and the US declared a national state of emergency.

The study tracked the six most popular exercises: running, functional fitness, weightlifting, cycling, swimming, and walking. It measured the relative frequency of each activity on a daily basis. As you can see in the graphic below, there was a significant uptick in running, cycling, and walking once social distancing began.

QUARANTINE EXERCISE MODALITIES WITH BIGGEST INCREASE

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Walking took the biggest jump, followed by running and cycling. The spikes on the graph show increased participation in all three activities on weekends, which continued during quarantine. However, with running in particular, the frequency of weekday and weekend participation became more similar—a lack of commuting gave runners more opportunity to get outside during the week.

The quarantine workouts that decreased

The three activities people started doing more of are all individual forms of exercise that happen outdoors—a needed break from being stuck inside. Functional fitness, which for many members was already a solo at-home workout, saw little change. Weightlifting and swimming saw significant decreases, coinciding with the closures of gyms and athletic facilities.

Other trends in quarantine exercise: Increased frequency and intensity

The sample of 50,000 WHOOP members exercised 1.1% more often once quarantine began. With many social activities unavailable, people turned to working out to pass the time. Exercise modalities like running and cycling require a high cardiovascular load, and members spent 1.8% more time working out in their three highest heart rate zones during quarantine.

The study also discovered improvements in several key physiological markers that WHOOP tracks, including sleep, resting heart rate, and heart rate variability.

Understand your body’s response to new routines

Adapting your fitness routine is the first step. Understanding how your body responds to those changes is the next. Are your new workouts building fitness without compromising recovery, and are you getting enough sleep to support your efforts?

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WHOOP quantifies the impact of your daily behaviors on your body. By monitoring your Sleep, daily Strain, and Recovery, you get personalized insights to help you train smarter, recover faster, and build healthier habits.

Frequently asked questions

Does exercise help fight a virus?

Regular, moderate exercise can support your immune system. Physical activity helps promote good circulation, which allows the cells and substances of the immune system to move through the body freely and do their job efficiently. However, it’s important to balance activity with recovery, as overtraining can place stress on the body.

Does exercise speed up COVID-19 recovery?

The relationship between exercise and COVID-19 recovery is complex and depends on the individual. Some research suggests that light physical activity during and after the illness may help with certain symptoms, particularly mental and neurological ones. It is critical to listen to your body, avoid strenuous activity while sick, and consult with a healthcare professional before resuming exercise after an infection.

How does WHOOP measure the intensity of a workout?

WHOOP measures the intensity of your activities by analyzing your heart rate. The Strain score quantifies the total cardiovascular load you experience throughout the day, whether from a specific workout or other daily stressors. By tracking how much time you spend in elevated heart rate zones, WHOOP gives you a clear picture of how hard your body is working.

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I’m a fitness writer and these are the 44 best deals I’ve found in the Amazon Big Spring Sale

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I’m a fitness writer and these are the 44 best deals I’ve found in the Amazon Big Spring Sale

Lou Mudge is a Health Writer at Future Plc, working across Fit&Well and Coach. She previously worked for Live Science, and regularly writes for Space.com and Pet’s Radar. Based in Bath, UK, she has a passion for food, nutrition and health and is eager to demystify diet culture in order to make health and fitness accessible to everybody.

Multiple diagnoses in her early twenties sparked an interest in the gut-brain axis and the impact that diet and exercise can have on both physical and mental health. She was put on the FODMAP elimination diet during this time and learned to adapt recipes to fit these parameters, while retaining core flavors and textures, and now enjoys cooking for gut health.

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Exercise scientist reveals the strength training mistake many women make, even after lifting for years

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Exercise scientist reveals the strength training mistake many women make, even after lifting for years

Wondering how much weight you should be lifting in the gym to build strength? Dr Stacy Sims says that not going heavy enough could be the biggest mistake women are making in their workouts.

What strength training looks like might differ (for example, some prefer callisthenics over classic weight training) for some, but one thing is clear – it needs to be a challenge.

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