Gym Memberships for Seniors: How SilverSneakers Works With Medicare Advantage Plans

by | Feb 12, 2026 | health insurance agency

a senior fitness instructor helping a woman with her free weight routine.

Gym memberships for seniors like you can be free when you enroll in the right Medicare plan. 

Medicare Advantage PlansMany older adults like you qualify for access to thousands of gyms and online classes through SilverSneakers, a wellness benefit included in many Medicare Advantage plans. If you have the right coverage, you can work out, join classes, and stay connected… at no added cost!

Staying active after 65 is not optional. It directly affects how well you age. According to the Centers for Disease Control and Prevention, regular physical activity lowers the risk of heart disease, type 2 diabetes, and some cancers, and helps prevent falls in older adults. 

FACT: The CDC recommends at least 150 minutes of moderate activity per week for adults 65 and older!

At Absolute Best Insurance, we have helped clients across South Florida for over 20 years. Our team works with seniors in Tamarac, Deerfield Beach, Greenacres, Port St. Lucie, Vero Beach, Micco (Sebastian), and beyond. 

Our focus is simple. We help you find coverage that supports your health, including access to fitness programs that keep you strong as you age.

Why Gym Memberships for Seniors Matter After 65

As you age, muscle mass declines. Balance can weaken. Bone density drops. That makes strength training and flexibility work important.

Gym memberships for seniors support:

  • Better balance and fewer falls
  • Improved heart health
  • Stronger muscles and joints
  • Better mood and cognitive function

Falls are a serious concern. The CDC reports that one in four Americans aged 65 and older falls each year. 

We see this locally. Seniors in Tamarac near University Drive in Deerfield Beach, along Hillsboro Boulevard, and Greenacres near Jog Road want to stay independent.

In Port St. Lucie near St. Lucie West and in Vero Beach along US 1, clients often tell us they want to avoid unnecessary hospital visits. They mention facilities such as the Cleveland Clinic Indian River Hospital and HCA Florida Lawnwood Hospital as places they hope to stay out of by maintaining better health.

“The goal is not just coverage. It is helping our clients stay healthy so they can avoid preventable issues and stay active in their communities.”
– Stacy Murphy, Owner/Operator – Absolute Best Insurance

What Is SilverSneakers and What Does It Include?

SilverSneakers is a fitness benefit available through many health plans. It is designed specifically for older adults.

When your plan includes SilverSneakers, you receive:

  • Access to a nationwide network of gyms and community centers
  • Instructor-led strength, cardio, yoga, and Tai Chi classes
  • Live online classes and on-demand workouts
  • A digital membership card through the SilverSneakers GO app
  • Workout tracking and class scheduling tools

The program focuses on strength, balance, and flexibility. These are the areas most tied to long-term independence.

SilverSneakers reports that its network includes thousands of participating fitness locations nationwide. You can verify participating gyms in Florida through their official site: https://www.silversneakers.com

In cities like Deerfield Beach and Tamarac, many national fitness chains and local community centers participate. Seniors living near Atlantic Boulevard or Commercial Boulevard often find multiple options within a short drive. In Micco Sebastian along US 1, residents can check nearby partner facilities through the app before visiting.

a group of seniors at the gym standing in a group with arms around each other.

How SilverSneakers Connects to Medicare Advantage Plans

Many Medicare Advantage plans include fitness benefits as part of their wellness offerings. These Part C Plans are offered by private insurance carriers approved by Medicare.

Not every plan includes SilverSneakers. However, many do because insurers recognize that preventive fitness reduces long-term health costs.

When reviewing your Medicare Advantage options in Greenacres, Port St. Lucie, or Vero Beach, it is important to check the Summary of Benefits. Look specifically for fitness benefits and confirm if SilverSneakers is listed.

Stacy Murphy explains, “Many people do not realize their plan already includes a fitness benefit. We review the details with our clients so they understand exactly what they have access to.”

Where Florida Seniors Can Use Their Membership

Gym memberships for seniors through SilverSneakers are flexible. You are not limited to one location.

You can:

  • Visit multiple participating gyms
  • Join classes at community centers
  • Use online classes at home
  • Travel and use partner locations in other cities

In Tamarac near Commercial Boulevard, clients often use nearby fitness chains. In Deerfield Beach, close to Hillsboro Boulevard, several participating locations are within minutes. Greenacres residents near Lake Worth Road have options at local gyms and recreation centers.

In Port St. Lucie near St. Lucie West Boulevard and in Vero Beach along US 1, you can check participating gyms through the SilverSneakers GO app before heading out. Micco Sebastian residents can search by zip code and find options throughout Indian River County.

This flexibility makes gym memberships for seniors practical. You can work out near home or near family if you travel within Florida.

How to Get Your Gym Memberships Through SilverSneakers

If you want access, here is what to do:

  1. Confirm you are enrolled in a Medicare Advantage plan or eligible plan type.
  2. Review your plan documents to verify that SilverSneakers is included.
  3. Register through the SilverSneakers website or app.
  4. Download your digital membership card.
  5. Visit a participating gym or start an online class.

If you are unsure about your current coverage, we can help you review it. Our licensed agents in Deerfield Beach, Tamarac, Greenacres, Port St. Lucie, Vero Beach, and Micco Sebastian walk you through the details.

Stacy Murphy says, “We encourage every client to ask about fitness benefits. Staying active is one of the best investments you can make in your long-term health.”

An illustrated infographic showing how to get a gym membership through SilverSneakers and Medicare Advantage.

Staying Active Is Part of a Smart Retirement Plan

Health and independence go hand in hand. Gym memberships for seniors support mobility, social connection, and prevention.

We believe coverage should support your lifestyle. That includes programs that keep you moving along Atlantic Avenue, walking near local parks in Greenacres, or staying active near the beaches of Vero Beach.

We do more than compare plans. We help you understand how your coverage supports your everyday life. From Broward County to the Space Coast, our team works with you to build an individualized solution that supports your health and your future.

Reach out to Absolute Best Insurance. We’ll help you find the right coverage and the right way to stay active. Click here or give our team a call for a free, no-obligation quote. We even make house calls!