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
Konkana Sen Sharma Turns 46: She Credits This Exercise As A Fitness Gamechanger
As Konkona Sensharma celebrated her 46th birthday recently, the actor and filmmaker revealed the simple yet powerful wellness philosophy that keeps her energised in her 40s. Today, her routine blends strength training, yoga, mindful nutrition and a sustainable approach to fasting, choices shaped by years of evolving self-awareness.
Fitness wasn’t always her priority
Konkona has openly shared that during her teens and 20s, fitness barely featured in her life. Like many, she relied on youth to get away with indulgence. Everything changed after she became a mother in her early 30s. That period marked her initiation into yoga, an anchor she has sustained for more than a decade.
Yoga: The foundation of her mind–body balance
She credits yoga with building her connection to her body, boosting flexibility, improving mental clarity and transforming how she approached long-term wellness. A consistent yoga practice became her first major step into a healthier lifestyle.
Strength training in her 40s: A game changer
While yoga strengthened her inside out, it was in her 40s that she embraced weight training. Konkana told Indian Express that incorporating resistance workouts has reshaped her physically and mentally. She now focuses on overall strength, mobility, and balance rather than pursuing weight loss. For her, strong muscles are non-negotiable, supporting longevity, joint health and daily functionality.
Why she believes fat loss starts in the Kitchen
Although her personal goals go beyond weight management, Konkona emphasises a truth she has learned with age: most weight loss happens due to diet, not workouts. She estimates that around 80–85% of fat loss is influenced by food choices. This awareness has guided her toward more intentional eating habits.
A smarter, cleaner diet after 35
Konkona says she has never eaten as nutritiously as she has in the past decade. Her daily diet is structured around:
–High protein intake to support muscle health and satiety
-Plenty of fruits and vegetables for vitamins and fibre
-Healthy fats like nuts, chia seeds and flaxseed paired with fruits to prevent sudden sugar spikes
-Magnesium awareness, which she now views as essential for energy, sleep and recovery
She is also more conscious of issues like insulin resistance, something she believes women should start tracking in their late 30s and early 40s.
Intermittent fasting
Konkona practices intermittent fasting in a flexible, sustainable way. She typically follows a 14-hour fasting window four to five times a week. On days when her body signals fatigue or poor sleep, she shifts to a 12-hour digestive break instead of forcing a strict schedule.
She often trains during her fasting window and finds that it gives her more energy, though she stresses that this is her personal experience, not advice for others. For anyone considering fasting, she recommends checking in with a doctor and evaluating any pre-existing health concerns.
Fitness
CofC Launches Fitness, Community Health Testing Program
Photos by Catie Cleveland
The College of Charleston School of Health Sciences is debuting a state-of-the-art testing program that will have students, faculty and staff working directly with campus and community members who wish to better understand various measures of fitness and how they impact their health.
The Fitness and Community Health Testing (FaCHT) program will assess cardiovascular fitness, body composition, metabolic rate, muscular fitness and more for those who are using weight loss drugs, receiving hormone therapy or looking to better understand their fitness levels. The program will not diagnose or treat health conditions.
The FaCHT program will offer VO2 max testing, the gold standard testing for heart and lung health and oxygen utilization, which health experts agree is the strongest predictor of longevity. DXA scan data, which shows the amount of fat and non-fat mass on the body, can be bundled with the VO2 max results for a better overall picture of health. This can be especially useful as people age.
“Tracking body composition and cardiovascular fitness gives us a comprehensive picture of an individual’s overall state of health,” says Chris Reader, FaCHT program coordinator in the Department of Applied Exercise Science. This, he adds, “can be helpful to provide to their physicians to diagnose and treat health concerns.”

“The launch of the FaCHT program fills a void in the health and fitness testing market in Charleston, and represents a one-stop shop for anyone who wants to be able to present test results to their own physicians for deeper insight into their fitness journey,” says Wes Dudgeon, dean of the School of Health Sciences.
Community members interested in learning more about the Fitness and Community Health Testing program can meet faculty and staff and receive guided tours of the new lab space on Tuesday, Dec. 9, 6–7:30 p.m. RSVP to [email protected] by Dec. 6.
How it works

- Community members can visit the College of Charleston MarketPlace Fitness and Community Health Testing page to learn more about the types of tests offered and to sign up.
- Initial results are made available at the visit, and a complete report is emailed to participants for ease of sharing with their physicians.
- Individuals can discuss results with their doctors to refine health and fitness programs for optimal results.
Benefits to Students
Along with the benefit to the community, the program also offers unique opportunities for College of Charleston students. FaCHT will host two student interns this spring semester, providing experience in a lab environment, managing data and understanding the science of the testing environment.
Fitness
Hamilton Home Fitness Recumbent Exercise Bike Buyer’s Guide – Choose Right Today
Introduction
Choosing the right recumbent exercise bike should lift a weight from your shoulders. It should make movement easier, kinder, and more joyful. I am with you. I have tested bikes, talked to therapists, and listened to real users. That mix gives clear, gentle advice you can trust.
This guide gives simple steps that work. First, it helps you fit the seat and support your back. Next, it shows which resistance and console suit your life. We cover budgets, space, and the best picks for seniors or rehab. Every tip aims to save time and avoid regret. You will find quick answers and small tests to try at home.
Use the fit tool to check your inseam. Read the short model lists to see what matters most. If you need more help, Hamilton Home Fitness will tailor a short list for your height, budget, and goals. Buy with calm, not haste. A good recumbent bike can move your body and ease your mind. Let this guide be the steady hand that helps you choose well. We write with care and science, and we stand beside you at every step of the buying journey. Start with curiosity and your true needs today.
Recumbent Bike Buying Essentials
Choosing a bike starts with plain needs. Think about fit, noise, and how you will use it. This short guide helps you sort the clutter. It points you to the parts that matter most.
What is a recumbent bike?
A recumbent bike has a laid-back seat and forward pedals. The backrest supports your spine. This posture is kinder to knees and lower back. It is easier to mount than an upright bike. Use it for steady cardio, rehab, or long, calm sessions.
Key buying features to check
Check seat fit first. Measure your inseam. The seat must slide far enough for a slight knee bend at full pedal. Look for strong lumbar support and a wide cushion. Choose magnetic resistance for a quiet home. Check weight capacity and frame build for your body and use. For training, prefer a console that shows watts and pairs with apps.
Price, warranty, and where to buy
Set a budget and match it to use. Budget bikes fit light home use. Mid-range models give quiet rides and better parts. Commercial models suit gyms and heavy users. Seek at least five-year frame coverage and one-year electronics warranty. Buy from trusted dealers who offer delivery and set-up. Hamilton Home Fitness can vet models and ship or help you try a bike before you buy.
Start with fit. Then pick resistance and console. That order keeps comfort first and value clear.
Seniors, Rehab & Back Support
Recumbent bikes shine for anyone who needs gentle, steady movement. They place you in a supported seat. That lowers strain on knees and the low back. For seniors and rehab patients, that support can mean the difference between exercise that helps and exercise that hurts.
Why seniors benefit from recumbent bikes
Seniors get safe cardio with low joint stress. The wide seat and backrest make mounting easier. That reduces fall risk and encourages regular use. Regular, short sessions build stamina, balance, and mood without harsh impact.
Recumbent bike for back pain
A recumbent bike eases spinal load by keeping the torso supported. Look for models with real lumbar support and a seat that adjusts far back. Start with low resistance and longer, gentle sessions. If pain flares, stop and consult your clinician.
Clinician tips and safety considerations
Physical therapists recommend slow progress and clear goals. Check heart-rate response and perceived effort. Use straps or non-slip pedals if balance is a worry. For recent surgery or complex conditions, get written clearance. Trial the bike for ten minutes to test comfort before you buy.
This section is about dignity and steady progress. Pick a bike that fits your body first. The right fit, a safe plan, and small wins will keep you moving and feeling stronger.
Features, Resistance & Consoles
The right features shape your ride. They decide how the bike feels, how loud it is, and how useful the data is. Focus on three things: resistance, console, and fit. These control comfort, training value, and day-to-day peace in your home.
Resistance types explained
Resistance changes how hard pedaling feels. Magnetic resistance is quiet and smooth. It needs little care and suits apartments. Friction resistance costs less but is louder and needs pad changes. Fan (air) resistance gives natural, growing force the faster you pedal. It is loud but loved by athletes for interval work. Pick magnetic for quiet home use, fan for intense training, and friction only if price is the main limit.
Console, heart rate & app features
A good console tells you the story of each ride. Look for watts, cadence, and heart rate. Bluetooth or ANT+ lets you pair a chest strap or phone. Ergometer modes give accurate power numbers for true training. Seniors and rehab users need big fonts and simple menus. If you want structured plans, choose a console that links to training apps and saves workouts.
Seat, lumbar support, and fit
Seat comfort is not optional. A wide, well-cushioned seat with real lumbar support makes long sessions possible. Ensure the seat slides far enough for a slight knee bend at full pedal. Look for replaceable cushions and clear adjusters. Test the seat for at least ten minutes before buying. Comfort wins. Comfort keeps you coming back.
Top Models, Tiers & Selection
Choosing the right model is about fit, use, and peace of mind. Think in tiers: budget, mid-range, and premium. Match your choice to how often you ride and who uses the bike. Hamilton Home Fitness helps you pick a tier that fits your life and budget.
Best bikes by budget tier
Budget bikes work for light, occasional use. They meet basic cardio needs. Expect simpler consoles and friction or basic magnetic resistance. Mid-range bikes give quieter magnetic resistance, firmer frames, and better warranties. Premium and commercial models offer heavy frames, true power meters, and long warranties. If you ride several times a week, mid-range is the best value.
Best recumbents for seniors & back
For seniors and people with back pain, choose models with wide seats and true lumbar support. Low step-through frames and easy seat adjustment matter most. Simpler consoles with large text help users focus on the workout. Hamilton Home Fitness tests comfort over long sessions and highlights models with clinical praise.
Compact, folding & commercial options
Short on space? Pick a narrow footprint or folding model with transport wheels. Test the seat to make sure comfort is not traded for size. For gyms, choose commercial duty cycles, replaceable parts, and a clear service plan. Consider total cost of ownership: buy price, parts, and hours of use. That will save money and headaches.
If you want, Hamilton Home Fitness will give a short list of top picks by tier and use. Tell us your height, weekly hours, and budget to get a tailored shortlist.
Final Thought
Choose the bike that cares for your body first. Fit and comfort matter more than flashy features. A good seat and true lumbar support keep you riding longer. Quiet magnetic resistance and a clear console make daily use easier. Match the bike to your weekly hours and your goals.
Trust small tests. Try the seat for ten minutes. Check the knee bend and the back support. Ask a clinician if you have pain or recent surgery. For gyms, weigh duty cycle and service plans. For homes, value and quiet matter most.
Hamilton Home Fitness stands with you. We test gear, talk to therapists, and listen to real users. If you want a short list of recumbent bikes that fit your body and budget, tell us your height, weekly use, and priorities. We will reply with a calm, clear shortlist so you can buy with confidence and keep moving joyfully.
Media Contact
Company Name: Hamilton Home Fitness
Email: Send Email
Country: United States
Website: https://www.hamiltonhomefitness.com
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