To be healthy, it is important to have an active lifestyle and exercise regularly. However, gym memberships can be expensive, making it difficult for some people to afford them. But did you know that many health insurance companies offer reimbursement or discounts on gym memberships?
However, not all health insurance companies offer this benefit, so it’s important to check with your provider to see if they have any partnerships with local gyms or fitness centers. Some companies also offer reimbursements for gym memberships, so be sure to ask about that.
This article will examine which health insurance companies pay for a gym membership and how much they cover. We’ll also provide tips on getting the most out of your health insurance benefits. Let’s get started.
Which Insurance Carriers Cover Gym Memberships?
You could get serious help paying for your gym membership with the right health insurance plan. Many people think that their health insurance will cover the entire cost of their gym membership when in reality, most plans only cover a portion of the cost. Also, note that these discounts may only be available through select gyms. Some of the best health insurance provider options include:
1. Aetna
Aetna is one of the largest health insurance providers in the United States. It offers various plans, including individual and family health insurance, Medicare, and employer-sponsored health insurance. Aetna also offers a discount on gym memberships for its policyholders.
With so many gyms in the GlobalFit network, you’re sure to find one perfect for you. You may even be reimbursed up to $150 of fees annually.
Aetna also offers the Personal Health Improvement Training (PHIT) program, which covers memberships to participating gyms and gives you access to wellness education tools.
2. Cigna
Cigna is another top health insurance company that offers a discount on gym memberships. They have partnered with some of the biggest names in the fitness industry to offer their policyholders a discount on membership fees.
To qualify for the discount, policyholders must be enrolled in one of Cigna’s health plans and sign up for a 12-month gym membership. The discount can be applied to the first month’s membership fee or used to reduce the monthly membership cost.
Get up to $100 of fitness reimbursement per calendar year with the Cigna Medical Plan. You must choose a qualified health club and have been a fitness center and Cigna member for at least three years to qualify for this benefit. If your family members are also covered under your plan, you could get up to $300 fitness reimbursement per calendar year.
3. Amerihealth
AmeriHealth has a fitness program that reimburses members up to $150 on the fees charged by participating fitness centers. You must complete 120 workouts during a 365-day period (enrolment day counts as day one). And remember: it’s a one-time reimbursement, so make it count.
You are only allowed to log one workout per day, and there should be an eight-hour interval between workouts. You must be 18 years old and have a covered managed care health plan, such as a PPO (Preferred Provider Organization) or HMO (Health Maintenance Organization).
4. Blue Cross Blue Shield
Another top health insurance company that has been known to reimburse its policyholders for gym memberships is Blue Cross Blue Shield. According to their website, “Blue Cross and Blue Shield’s vision is to provide access to high-quality health care at an affordable price.”
They offer several other health and wellness programs that may be of interest. For example, the Live Healthy program offers fitness classes, personal training sessions, and more discounts. Policyholders can also take advantage of their app, which provides personalized tips and motivation to help them reach their health goals.
Blue Cross Blue Shield’s coverage for gym memberships is called Fitness Your Way. This program provides access to 8,000 fitness facilities spread out across the country. If you have a monthly gym membership, this program will cover $29 of the cost.
Fitness Your Way is great to get started on your fitness goals if you are insured with them. With so many locations to choose from, there is bound to be a gym near you that participates in the program.
5. Oscar
Another insurance company that reimburses members for gym memberships is Oscar Health Insurance. It offers up to $400 in reimbursements for members and up to $200 in reimbursements for spouses who are also covered under the insurance plan.
It’s important to note that these reimbursements are available monthly fees, not for one-time sign-up or other ancillary costs.
Also, reimbursements are available for several types of gyms, including traditional fitness centers, yoga and Pilates studios, and even certain sports facilities.
Oscar Health Insurance is available in several states, including California, New York, New Jersey, Texas, and Ohio.
6. United Healthcare
Get reimbursed for your gym membership with United Healthcare. Active members of selected United health insurance plans can be reimbursed up to $200. Keep fit and healthy while saving money at the same time.
You can join a gym with United Healthcare and attend health and wellness events through its Medicare Advantage and Medigap plans. The program is called Renew Active. To be eligible, you’ll need to complete qualifying workouts or attend gym classes 50 times within six months.
Does Medicare Provide Coverage For Gym Membership?
Some Medicare Advantage plans offer fitness and gym membership benefits under programs such as SilverSneakers. Eligibility requirements and benefits vary by plan, so check with your insurance company to see what’s available.
SilverSneakers is a health and fitness program for members at least 65. Members have unlimited access to more than 16,000 fitness locations, including community centers and gyms.
To be eligible for the SilverSneakers program, you must complete qualifying workouts or attend gym classes 50 times within six months. The SilverSneakers Flex program is held in senior communities, churches, recreation centers, and other community areas. Have unlimited access to classes like Tai chi and yoga, led by certified instructors.
So if you’re looking for a way to stay active and healthy as a senior, check with your Medicare Advantage plan to see if you’re eligible for the SilverSneakers program.
Does Medicaid Pay For Gym Membership?
Medicaid’s coverage of gym membership fees depends on the state in which you reside. Not all states cover these fees because they are not considered a benefit under federal guidelines. However, some states started receiving federal assistance in 2010 as part of experiments that reward people for making healthy choices. These states were able to use the grant money to provide Medicaid coverage for gym memberships.
Incentives offered through Medicaid can help people improve their health and may even cover the gym membership cost. Enjoying good health is important, and Medicaid allows many people to access the resources they need to improve their health and well-being.
How To Find Insurance Plan Covering Gym Membership?
With the rising cost of healthcare, many insurance companies are starting to cover gym memberships to help policyholders lead healthier lives. There is no standard across all policies, so it’s important to check with your insurer to see if they offer any discounts or benefits for being a gym member. Some gyms may also have partnerships with health insurance providers, so ask about any potential savings.
Also, check their website. Health insurance companies often list what types of coverage they provide on their website.
If you have any questions, you can always give them a call. By encouraging healthy habits like regular exercise, insurance companies hope to improve the overall well-being of their customers.
Why Do Health Insurance Companies Pay For A Gym Membership?
Gym memberships are often seen as a way to stay healthy and avoid potential health complications. By encouraging their policyholders to stay active, insurers hope to reduce healthcare costs.
For an insurance company to offer this type of benefit, the gyms must meet certain requirements set by the insurer. These requirements typically involve having state-of-the-art equipment and facilities, certified trainers, and programs that cater to all fitness levels.
It’s also important to note that not all health insurance companies offer this benefit. If you’re interested in signing up for a gym membership and want your insurer to help cover the costs, you’ll need to check with your company to see if they have any programs.
A few of the most popular health insurance companies offering gym subsidies include Aetna, Blue Cross Blue Shield, Cigna, and UnitedHealthcare. These companies typically require you to sign up for a membership at an in-network gym to qualify for the subsidy.
How Do Health Insurance Pay For Your Membership?
Most health insurance companies will reimburse you for a percentage of your gym membership fees. The amount they reimburse depends on the insurer but is usually around 20-55%. So, if your monthly gym membership fee is $100, your health insurer would likely reimburse you $20-$55 per month. This can add up to significant savings over a year.
Remember a few things when using your health insurance to pay for a gym membership.
- First, you must submit a claim form to your health insurance company to receive reimbursement.
- Most health insurance companies require that you use an in-network gym to receive reimbursement.
- Also, some companies set fitness goals you must meet to receive reimbursement. For example, some companies will reimburse you for your gym membership only if you go a certain number of times per week or month. Others will reimburse you based on how much weight you lose.
Be sure to check with your health insurer to see their reimbursement requirements.
Overall, using your health insurance to pay for a gym membership can be a great way to save money on your fitness expenses. If you have questions about your specific plan, contact your health insurer. They will be able to provide you with the most up-to-date information on what kinds of reimbursements are available.
FAQs
1. Do Healthcare Insurance Companies Pay Full Gym Fee?
No, health insurance companies usually don’t pay the full gym fee. They may reimburse you a percentage of the cost or offer a discount on your premium if you sign up for a health club membership.
2. What is the Percentage That Insurance Companies Cover?
Insurance companies’ percentage for gym memberships varies, but it is typically around 50%. Some plans have a cap on how much they will reimburse per year.
3. Do All Plans Offer Gym Membership Reimbursements?
No, not all plans offer gym membership reimbursements. It is important to check with your health insurance provider to see if this benefit is included in your plan. Also, remember that some employers offer gym memberships as part of their benefits package.
4. How Do I Use My Gym Membership Reimbursement?
If your health insurance plan offers reimbursement for gym memberships, you will need to submit a claim form along with your receipts. The health insurance company will issue you a check for the approved amount.
5. Are There Any Other Benefits to Having a Gym Membership?
In addition to the potential reimbursement from your health insurance company, having a gym membership can help you stay healthy and fit. Exercise has been shown to improve overall health, and it can also help reduce stress levels.
Conclusion
To sum up, there are a few health insurance companies that do pay for a gym membership. Some examples include UnitedHealthcare, Aetna, and Blue Cross Blue Shield. However, it is important to check with your insurance provider to see if they offer this type of coverage.
Also, even if your health insurance does not cover the cost of a gym membership, there are often other ways to get discounts on these memberships. For example, many gyms offer corporate rates or discounts for seniors.
Finally, remember that regular exercise is one of the best things you can do for your overall health, so even if you have to pay for your gym membership, it is worth the investment!
