How Does Pricing Work With Kaiser And Can I Get Any Discounts
Members generally pay no additional premium beyond the Part B premium for the Senior Advantage HMO. There is also typically no annual deductible for medical and prescription drug coverage. The premium for Advantage Plus benefits is around $20 a month in most areas.
In some service areas, Kaiser offers silver and gold plan options for the Senior Advantage HMO. You pay a small monthly premium for these plans in exchange for lower copayments and out-of-pocket limits.
For example, if the standard option has a $200 copay for outpatient surgery, the silver plan might charge $150, while the gold will charge you $100. The out-of-pocket maximum might be $4,400 for the standard option, $3,500 for the silver plan, and $3,000 for the gold option.
Be sure to read the summary of benefits for each plan in your area to ensure that you are aware of and understand the different costs. Youll then be able to determine the best fit for your health needs and budget.
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So how do we make money? Our partners compensate us. This may influence which products we review and write about , but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services.Here is a list of our partners.
Enroll In A Medicare Advantage Plan Today
Contact a licensed insurance agent today and shop for Medicare Advantage plans in your area. You can find out more about becoming a member of SilverSneakers, especially if membership is offered as a benefit of Medicare Advantage plans in your area.
To speak with an agent, call 1-800-557-6059TTY Users: 711 24 hours a day, 7 days a week.
About the author
Christian Worstell is a licensed insurance agent and a Senior Staff Writer for MedicareAdvantage.com. He is passionate about helping people navigate the complexities of Medicare and understand their coverage options.
His work has been featured in outlets such as Vox, MSN, and The Washington Post, and he is a frequent contributor to health care and finance blogs.
Christian is a graduate of Shippensburg University with a bachelors degree in journalism. He currently lives in Raleigh, NC.
Where you’ve seen coverage of Christian’s research and reports:
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How Does Silversneakers Work
When SilverSneakers is available to you under your plan coverage, it is offered as one of the basic benefits. All that you have to do is activate your membership. To get started, simply:
- Create your profile online.
- Get your digital membership card.
- Start using your benefits.
SilverSneakers is most known for its gym membership program. As a member of SilverSneakers, youll have access to over 17,000 gyms and health clubs nationwide. At these clubs, you can take advantage of numerous healthy activities, including:
- Instructor-led fitness classes
- Use of gym equipment like weights and machines
- Use of pools, basketball courts, and other gym amenities
Beyond the gym memberships SilverSneakers is known for, you also have access to live fitness and wellness classes that you can stream online. This is a particularly useful benefit given the current concerns over COVID-19.
SilverSneakers also offers access to health and wellness discounts, as well as a fitness mobile app that helps you set and attain healthy goals.
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What Other Benefits May Be Available From An Aetna Medicare Advantage Plan
A SilverSneakers membership is just one of the many benefits that may be available in an Aetna Medicare Advantage plan. Some of the additional perks may include:
- Concierge services to help you find local health-related resources.
- A 24-hour nurse hotline.
- Home delivery of prescription medications.
- Dental, vision and hearing coverage.
- Discounts on over-the-counter health products like vitamins or cold medicine.
- Home-delivered meals following a hospital stay.
All of Aetnas Medicare Advantage plans include all coverage found under Medicare Part A and Part B.
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Planet Fitness Fitness Gym Senior Review
Posted: Planet Fitness was founded in 1992 by Michael and Marc Grondahl. The two founders purchased a small gym in Dover, Massachusetts and focused on offering low-cost memberships to bring in revenue. Chris Rondeaux eventually became acting CEO. In 2003, Planet Fitness expanded into Florida by opening its first franchise store.
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Top Aetna Medigap Plans
The top Medicare Supplement plans in all states are Plan F, G, and N. Since Medigap plans are standardized, Plan F with Aetna offers the same coverage as Plan F with Humana. The difference? Cost.
So, if Aetna has a lower premium for a high coverage option in your area, you should enroll. But, if you can find a lower rate for a Humana Medicare Supplement with the same coverage, you should go with that carrier to save money.
There is no reason to pay more for the same coverage. But, we understand if you only want to do business with a particular company.
As for us, were not biased. We understand that Aetna is not going to be the most competitive across the board. But we also know theyre competitive in over 35 states.
You should choose your policy based on premiums.
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You May Be Eligible For A Home Exercise Kit
- Includes a DVD, instructions and any equipment you need
Aetna Medicare is a HMO, PPO plan with a Medicare contract. Enrollment in our plans depends on contract renewal.
See Evidence of Coverage for a complete description of plan benefits, exclusions, limitations and conditions of coverage. Plan features and availability may vary by service area.
Every year, Medicare evaluates plans based on a 5-star rating system.
For accommodations of persons with special needs at meetings, call .
Participating physicians, hospitals and other health care providers are independent contractors and are neither agents nor employees of Aetna. The availability of any particular provider cannot be guaranteed, and provider network composition is subject to change.
The provider network may change at any time. You will receive notice when necessary.
Out-of-network/non-contracted providers are under no obligation to treat Aetna members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.
Where To Find A Silversneakers Program
The SilverSneakers website suggests there are programs near most Americans. You can check at the SilverSneakers website or on the programs app for locations near you.
The SilverSneakers smartphone app allows you to access fitness programs, track and schedule workouts, and find participating SilverSneaker locations near you or where you plan to travel.
If your plan covers SilverSneakers, you can download a digital membership card on the app. It works on both iOS and Android phones and tablets and gives you access to your membership card at any time.
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Which Insurance Plans Include Silver Sneakers
If you are looking forward to starting a steady, exciting, and rewarding exercise program, Silver Sneakers may be a suitable option for you. Getting active and setting up an exercise regime is important to keeping good health and leading a well-balanced lifestyle. Some insurance plans even offer coverage for the Silver Sneakers program. If youre wondering how to enjoy the benefits of the extensive program and what your insurance offers, keep reading.
Does Golds Gym Participate In Silversneakers
Posted: Silver Sneakers is a private health and fitness membership program designed for seniors. Its available at no cost to those enrolled in a participating Medicare Advantage plan. There are over 16,000 participating Silver Sneaker gym facilities and 70 different types of health and fitness classes available nationwide.
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Aetna Medicare Advantage Plans: Whats Included In A Silversneakers Membership
Members may be able to use any of more than 16,000 participating SilverSneakers facilities across the U.S., according to the SilverSneakers website. Depending on whatâs available at the gym you visit, you can swim, lift weights, take a group exercise class, or rock the treadmill. Any amenities available to regular gym members is typically available for SilverSneakers members, too, â so you can soak in the whirlpool or ease your tired muscles in the sauna, if your gym has them. Of course, if you want extras such as a post-workout massage, youâll generally have to pay separately.
Not every Medicare Advantage plan â whether through Aetna, or a different private Medicare-approved insurance company â offers SilverSneakers.
Do I Need My Doctors Permission To Enroll In Silversneakers
Aetna Medicare Advantage plans donât generally require you to get a doctorâs sign-off before you enroll in SilverSneakers, but it may be a good idea to check with your doctor before starting a new exercise program. Your doctor can help you decide whether a fitness program is right for you and the best types of exercise activities to help you achieve your goals.
Medicare information is everywhere. What is hard is knowing which information to trust. Because eHealthâs Medicare related content is compliant with CMS regulations, you can rest assured youâre getting accurate information so you can make the right decisions for your coverage.Read more to learn about our Compliance Program.
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Seniors Steamed Over Cuts To Silversneakers Fitness Program
Navigating Aging focuses on medical issues and advice associated with aging and end-of-life care, helping Americas 45 million seniors and their families navigate the health care system.
To contact Judith Graham with a question or comment, .
John Garland Graves was taken aback when he walked into his McKinleyville, Calif., gym in October and learned that his SilverSneakers membership was being canceled.
Since 2014, Graves, 69, has enjoyed free access to the gym through SilverSneakers, the nations best-known fitness program for seniors. He was disturbed by the news, as are many other people who have recently learned theyre losing this benefit.
A controversial business decision by UnitedHealthcare, the nations largest health insurance carrier, is causing the disruption. As of Jan. 1, the company is dropping SilverSneakers an optional benefit for 1.2 million customers with Medicare Advantage plans in 11 states as well as 1.3 million customers with Medicare supplemental insurance in nine states .
Graves, who works out four to five days a week and has a UnitedHealthcare Medigap policy, decided to seek coverage elsewhere after the company raised his policys rates and eliminated SilverSneakers in California. He has signed up for a new policy with Blue Shield of California.
Does Medicare Cover Ymca Membership
Unfortunately, Original Medicare does not cover YMCA membership or membership to a traditional for-profit gym. The Medicare program excludes weight loss supplements and programs from its coverage because these are typically viewed as lifestyle choices and are not considered to be directly related to treating illness.
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Contact Us For Quotes Coverage & Enrollment
Hyers and Associates is an independent insurance agency specializing in Supplements, Advantage plans and Part D coverage. We help our clients compare and contrast all of their options. Well tell you which plans offer Silver Sneakers and discuss whether or not this value-added benefit puts one plan on top of another. Contact us today!
Medicare Advantage Plans May Cover Silversneakers
SilverSneakers is considered a basic fitness service and Original Medicare, Part A and Part B, does not cover this benefit. However, Medicare Advantage plans, also known as Medicare Part C, may provide this benefit. To see if your current Medicare Advantage plan includes the SilverSneakers program, contact your health plan directly, or visit the SilverSneakers online health plan finder to check.
If you are looking to enroll into a Medicare Advantage plan with SilverSneakers coverage, take a look at our eHealthMedicare plan comparison tool on this page. The tool lets you review a list of Medicare Advantage plans available in your service area and explore your Medicare plan options.
Coverage of the SilverSneakers program will vary by Medicare Advantage plan, and availability may depend on location. Many Medicare Advantage plans cover this benefit at no additional cost, while others cover it as an optional rider. If youre currently enrolled in a Medicare Advantage plan, you may want to contact your plans Customer Service to find out if the plan includes the SilverSneakers benefit.
Some employer or union sponsored group retirement plans may cover this benefit as well. If you are enrolled in a group retirement plan and you are uncertain whether SilverSneakers is included in your benefits, you may want to contact the plan administrator.
Home / FAQs / General Medicare / Medicare Wellness and SilverSneakers Programs
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What Medicare Advantage Plans Cover Silver Sneakers
Even though its common knowledge that physical activity is important for good health, for many people, staying active in their senior years, especially after retirement, is not always an easy feat. If you find yourself in the same situation, joining a fitness organization like Silver Sneakers may be just what you need to get moving.
Even though Original Medicare coverage does not include fitness programs like Silver Sneakers for Medicare beneficiaries, many Medicare Advantage plans do cover this wellness program. If being active is a priority for you, and Silver Sneakers sounds like a great option, make sure to find a Medicare Advantage plan that includes free coverage.
What is Silver Sneakers?
Silver Sneakers is the name of an organization that provides gym and fitness class memberships to people who are 65 and older and are eligible for Medicare coverage. Silver Sneakers programs are available in over 13,000 locations in the United States. They offer free fitness programs in gyms, pools, and even outdoors.
As a member of Silver Sneakers, you have access to a gyms cardio equipment, pool, weights, and fitness classes lead by certified instructors. If you prefer being outside, there are programs that arrange member meetings at parks or recreation centers. Some of the outdoor activities include tai chi, yoga, or walking.
Benefits Summary When You Select Aetna Medicare AdvantageTable of rates.
If Medicare Parts A & B are not your primary coverage , you will be responsible for the deductible and coinsurance. For coverage details on the Aetna Advantage plan without Medicare, please visit our plan brochure. Please see the Medicare Advantage plan benefits guide for coverage details on the Aetna Medicare Advantage Plan.
Aetna is the brand name used for products and services provided by one or more of the Aetna group of subsidiary companies, including Aetna Life Insurance Company and its affiliates .
Aetna Resources For LivingSM is the brand name used for products and services offered through the Aetna group of subsidiary companies . The EAP is administered by Aetna Behavioral Health, LLC. and in California for Knox-Keene plans, Health and Human Resources Center, Inc.
This is a brief description of the features of this Aetna health benefits plan. Before making a decision, please read the Plans applicable Federal brochure. All benefits are subject to the definitions, limitations, and exclusions set forth in the Federal brochure.
All Aetna plans include discounts on eyewear, LASIK eye surgery, gym memberships, massage therapy, acupuncture, weight-loss programs and more.
For information about our plans available through the Federal Employees Dental and Vision Insurance Program , please visit our Dental PPO Plan site or our Aetna Vision Preferred site.
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Gym Memberships And Fitness Classes
Posted: Dec 09, 2021 · 1 Participating locations are not owned or operated by Tivity Health, Inc. or its affiliates. Use of PL facilities and amenities is limited to terms and conditions of PL basic membership. Facilities and amenities vary by PL. 2 Membership includes SilverSneakers instructor-led group fitness classes. Some locations offer members additional classes.
MembershipInstructor View More
Is Silversneakers Free
While SilverSneakersÂ® is not “free,”there is no cost to you for this extra benefit as long as you have a plan that offers it. Many Medicare Advantage plans and some Medicare Supplement plans offer SilverSneakers as an extra benefit. However, Medicare Supplement plans with SilverSneakersÂ® included charge a higher premium, so it isn’t “free.”
Also, Medicare Advantage plans factor in the cost of this gym membership perk into their own premium and benefit structure. Even if your plan is $0 premium, your deductible or coinsurance might be a bit higher to offset the costs of including this benefit.
Finally, Medicare Advantage plans aren’t allowed to refer to their extra benefits as “free” , which is why you should never see this perk marketed to you as “free.”
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How Much Does It Cost
The SilverSneakers program is a free extra benefit for many Medicare Advantage plans and some Medicare Supplement plans . These plans all have different prices, but fitness benefits will never be offered for a fee. The price of these plans can vary a lot depending on your location and other factors, so it is useful to compare them locally.
You can think of the cost of SilverSneakers and similar plans in two specific ways, aside from the price of the plans. First, Silver Sneakers can save you money on the services you use: gym memberships, classes, and so on. Also, SilverSneakers and other programs can help to reduce future medical expenses by improving your health and fitness levels. This can result in lower healthcare costs.