Silver&Fit: What It Is and How to Get It Through Medicare

What is Silver&Fit and who runs it?

Silver&Fit is a fitness and healthy-aging program designed for older adults. It is administered by American Specialty Health Fitness, Inc. (often called ASH Fitness), a subsidiary of American Specialty Health Incorporated. It is a private company program.

It is important to understand that Silver&Fit is not a Medicare or CMS program. The federal government does not run it and does not endorse it. Silver&Fit is offered only through participating health insurance plans. That means you get it because your insurance plan chose to include it as a benefit, not because Medicare provides it directly.

Does Original Medicare cover gym memberships?

No. Original Medicare (Part A and Part B) does not cover gym memberships or fitness programs. If you have only Original Medicare and you join a gym, you pay 100% of the cost yourself.

Fitness benefits like Silver&Fit are 'extra' benefits. A Medicare Advantage (Part C) plan may include a fitness program that Original Medicare doesn't offer, and some Medigap (Medicare Supplement) plans also include fitness programs. To find out, you have to check the specific plan.

• Original Medicare: no gym or fitness coverage — you pay all costs.
• Medicare Advantage: may include a fitness benefit such as Silver&Fit or SilverSneakers.
• Medigap: some plans include a fitness program, but many do not — verify with the plan.

How do I get Silver&Fit?

You get Silver&Fit by being enrolled in a Medicare Advantage plan or a Medicare Supplement plan that specifically includes it. You cannot buy Silver&Fit on its own from Medicare or from ASH Fitness as a stand-alone product.

Before you choose a plan because of Silver&Fit, confirm that the plan actually offers it. The most reliable way is to read the plan's official benefit documents (such as the Summary of Benefits or Evidence of Coverage) or check the official Silver&Fit health-plans list, which shows the participating plans.

Once you are in a participating plan, you confirm eligibility and enroll in the program itself at silverandfit.com by creating an account with your name and date of birth, or by calling the Silver&Fit member line at 1-877-427-4788 (Monday through Friday, 5 a.m. to 6 p.m. Pacific). There is no separate age cutoff set by Medicare here; eligibility is determined by your plan, so check your plan's rules.

What does a Silver&Fit membership include?

When your plan includes Silver&Fit, the program is designed to give you several ways to stay active, both in person and at home.

• Access to participating fitness centers and gyms in the Silver&Fit network.
• A home fitness program with home fitness kits you can choose from. Health Net's Medicare Supplement description, for example, lists up to 2 Home Fitness Kits per year with 24 kits to choose from.
• Online healthy-aging classes you can do from home.
• The Silver Slate quarterly newsletter.
• The Silver&Fit Connected! activity-tracking and rewards tool, plus health coaching.

Does Silver&Fit cost anything, and what about premium gyms?

When a participating plan includes Silver&Fit, there is usually no extra cost to you for the benefit itself on Medicare Advantage plans — it is part of what your plan already provides. With some Medigap (Medicare Supplement) plans, however, Silver&Fit may be offered as an add-on for a separate fee, so check your plan's benefit documents to confirm. Either way, you still pay your normal Medicare costs.

There is one cost detail to watch. The Silver&Fit fitness-center network is split into standard and premium tiers. Standard-tier clubs are included at no extra charge, but members may have to pay extra to use premium gyms. If a specific gym matters to you, check which tier it falls into before you sign up there.

For reference, your regular 2026 Medicare costs do not change because of Silver&Fit. The standard Part B premium is $202.90 per month with a $283 annual deductible, and most people pay no premium for Part A. Silver&Fit is a benefit on top of these, not a substitute for any Medicare cost.

Silver&Fit vs. SilverSneakers and Renew Active, and what if I switch plans?

Silver&Fit is one of three major Medicare fitness programs. The others are SilverSneakers (run by Tivity Health) and Renew Active (offered only through select UnitedHealthcare Medicare Advantage plans). Silver&Fit and SilverSneakers each appear across multiple carriers, while Renew Active is exclusive to UnitedHealthcare.

Because Silver&Fit is tied to your plan, your access ends if you leave or lose the participating Medicare Advantage or Medigap plan. If keeping Silver&Fit matters to you, make sure any new plan you choose specifically includes it — verify on the plan's benefit documents or the official Silver&Fit health-plans list before switching.

• Silver&Fit: many carriers; run by ASH Fitness.
• SilverSneakers: many carriers; run by Tivity Health.
• Renew Active: only select UnitedHealthcare Medicare Advantage plans.
• Leave the plan, lose the benefit — confirm any replacement plan includes the program you want.