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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.”

More on Medicare:

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Fitness

Exercise Icons Of The ’70s Who Were So Ahead Of Their Time – Health Digest

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Exercise Icons Of The ’70s Who Were So Ahead Of Their Time – Health Digest




The 1970s are known for being the golden era of fitness. “There was the birth of exercise science,” Danielle Friedman recalled about the decade during a January 2025 episode of NPR’s news and politics podcast, “All Things Considered.” But that’s not all, according to the journalist; there was also a move toward self-improvement. “The 1970s — the writer Tom Wolfe famously dubbed it the Me Decade,” she explained. “After the kind of activism of the ’60s, Americans and baby boomers in particular were turning toward themselves, were sort of, in many cases, shifting away from trying to save the world to trying to improve themselves.”

Naturally, many exercise aficionados led the charge, pioneering the movement with fitness regimens that were far ahead of their time. From Arnold Schwarzenegger’s affinity for bodybuilding to Farrah Fawcett’s love of jogging to Jane Fonda’s ballet barre workouts and even Judi Sheppard Missett’s creation of Jazzercise, these exercise icons blazed a path and put some of the world’s most popular workouts on the map! 

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Arnold Schwarzenegger’s love of bodybuilding proved to be contagious

While it’s clear that Arnold Schwarzenegger is no stranger to controversy and scandal, it’s hard to deny that he was on to something way back in the 1970s with his intense weightlifting regimen. As you may recall, Schwarzenegger practically became a celebrity overnight with the release of “Pumping Iron,” a 1977 bodybuilding documentary that followed him and his rival, Lou Ferrigno, as they prepared to compete in the Mr. Olympia competition. Spoiler alert: Schwarzenegger comes out victorious in the end. But, perhaps even more noteworthy, was the way he drew many other people to weightlifting, too. 

Fast forward many years later, and we now know that strength training can improve 13 health conditions, including type 2 diabetes, heart disease, and even depression and anxiety. And, according to a study using mice and published in The FASEB Journal in May 2021, weight lifting every day may also shrink fat cells.

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Farrah Fawcett made jogging cool

While it may be hard to believe, there was a time long ago when people were judged, ridiculed, and even bullied for jogging. No, really. “Cars would go by, windows would roll down and either taunts or empty beer cans would come flying out,” the 1968 Boston Marathon winner, Amby Burfoot, recalled during an interview with The New York Times in January 2025. “There was no respect,” Burfott added. 

Thankfully, that all changed once the famous “Charlie’s Angels” actress Farrah Fawcett came on the scene and made jogging cool. Per Vogue, Fawcett’s daily exercise routine wasn’t complete without a one-mile jog, followed by time in the sauna and jacuzzi. “The only way I can release my day’s tensions is not with a drink or a visit to some Beverly Hills shrink, but with something so taxing to my muscles that I fall asleep from body exhaustion instead of a mental wipeout,” she was quoted as saying. “You’d be surprised; after you push your body to its fullest, your daily problems hardly have time to affect you,” she added.

And as it turns out, Fawcett was on to something. According to a study conducted by Professor Larry Tucker of the Department of Exercise Sciences at Brigham Young and published in 2017 in Preventive Medicine, routine running habits can help slow down the aging process. 

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Jane Fonda was doing ballet barre workouts way before they were mainstream

Dare we say Jane Fonda was the OG ballet barre workout enthusiast?! Fonda first started working on her famous ballet-inspired workout routines way back in the 1970s. “People respond differently to various types of movement, to different workout speeds, even to different kinds of music. I like ballet and what it does for me — the slowness, the rigor, the sense of creativity while I move,” she told Vogue in 1979. Later, Fonda went on to open her very own gym and release workout videos. And, well, the rest is simply history. “I remember thinking, Oh, God, wouldn’t it be great if I could sell 25,000 [tapes]? Three million tapes later, we created an industry,” she declared during a 1987 interview for “Good Morning America” (via Analog Indulgence).

Today, ballet barre classes are still all the rage. “Barre requires you to keep your core engaged at all times. So that means while you are working your arms, legs, and booty, your abs are working as well,” Bergen Wheeler, the national director of Core Fusion talent development and senior teacher at Exhale Spa, explained during a 2017 interview with Self about what happens when you do barre workouts every day.

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Judi Sheppard Missett created a fitness program and an entire community

We would be absolutely remiss not to discuss famous Jazzercise creator Judi Sheppard Missett while talking about 1970s exercise icons who were light-years ahead of their time. According to Sheppard Misset, she first came up with the idea for the workout in 1969. “I had been at Northwestern University, working professionally as a dancer, and teaching dance class, and lo and behold, I came up with an idea that I thought would be great, and 50 years later, here we are. That idea was Jazzercise, and we pioneered a whole industry, the fitness industry,” Sheppard Misett recalled in a video on the company’s YouTube account. 

Sadly, Jazzercise is one of many fitness trends that have completely disappeared. But that certainly doesn’t negate the wonderful health benefits of the workout routine. Emily Jones says she lost a whopping 90 pounds doing Jazzercise while gaining so much more. “I was kind of apprehensive, because with the history of Jazzercise, you tend to think of leg warmers, and I wasn’t sure I wanted to do that,” Jones told “TODAY” in March 2021. But Jones claimed that after just one session, she was hooked. “I walked in and I was like yeah, this is it, I love it,” she recalled. In fact, she loved it so much that she decided to become a Jazzercise instructor herself. “It’s so fulfilling. We’re not clique-y and ‘all about me,’ but it’s just genuinely our own little family (at our location),” Jones explained about the community aspect. “I’ve taught a woman in her 80s, and she’s brought me cookies and held my children.” 



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This simple strength training trick builds more muscle and better technique—here’s how to try tempo training in your next home workout

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This simple strength training trick builds more muscle and better technique—here’s how to try tempo training in your next home workout

Of all the exercise techniques I use when training clients (and myself), slowing down the movements is one of my favorites. And I’m not the only fan.

“Tempo training is excellent because it increases time under tension,” says Steven Chung, physical therapist at VSI Spine Solutions in Reston, Virginia.

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Snap Fitness Sittingbourne Gym helps young people get into exercise

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Snap Fitness Sittingbourne Gym helps young people get into exercise

Exercise should be a vital part of all of our lives, particularly young people.

There are a host of benefits that it can provide, including improved physical health, better mental wellbeing, increased confidence, stronger social connections, improved focus and discipline, and the development of healthy lifelong habits.

Exercise can also help to reduce crime rates by giving young people better structure, a clear routine and a sense of purpose.

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All in all, it helps create positive outlets for energy, builds responsibility and encourages stronger community connections.

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That’s where Snap Fitness in Grid House, St Michael’s Road Sittingbourne comes in.

The gym offers memberships for young people aged 16 and above.

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It also works closely with local youth groups and sports teams that use the gym, including Sports Connect, Westlands Secondary School, Sittingbourne FC youth teams, Iwade Herons FC and Faversham Strike Force, supporting the community and providing youngsters with the opportunity to stay active.

Jack Smith of JS Performance Training and Alex Palmerton of Palmo Fitness also work with younger children from the age of five upwards.

Some simply want to improve their overall fitness, while others are focused on improving performance in their chosen sports. Between them, they support academy footballers, professional and amateur boxers, basketball, cricket and rugby players, helping young athletes build strength, confidence and discipline from an early age.

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Personal training sessions are available with both Jack and Alex, and they take clients aged under 16. Both are DBS checked, which provides reassurance for parents and highlights Snap Fitness’s commitment to creating a safe and supportive environment for younger members.

For more information, call 01795 599598, email sittingbourne@snapfitness.co.uk or visit www.snapfitness.com/uk/gyms/sittingbourne.

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