AARP United Healthcare and Silver Sneakers Part Ways - Senior Market Advisors

Medicare Fitness Coverage Without UHC and Silver Sneakers

Troy Frink Fitness & Health, News Leave a Comment

Last year, UnitedHealthcare (UHC), the largest insurance carrier in the United States, announced that SilverSneakers would no longer be a plan benefit in 2019. The change would affect the entire UHC family of products including the plans endorsed by the American Association of Retired Persons (AARP).

What Areas Are Affected?

As of January 1, 2019, UHC no longer offers SilverSneakers with Medicare Advantage plans in 11 states: 

  • California
  • Connecticut
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Missouri
  • Nebraska
  • Nevada
  • North Carolina 
  • Utah 

Along with Medicare Supplement (Medigap) plans in nine states:

  • Arizona 
  • California
  • Connecticut
  • Illinois
  • Indiana
  • North Carolina
  • Ohio
  • Utah 
  • Wisconsin

Why Did UHC and Silver Sneakers Part Ways?

According Sam Warner, who leads UHC’s Medicare Advantage product team, the company’s move away from SilverSneakers is to “reach a broader portion of our membership” with a “wider variety of fitness resources.” Warner noted that “over 90 percent of policy holders who are eligible for SilverSneakers “never step foot in a gym.” 

Will UHC Offer Any Fitness Benefit?

Fitness Benefit | Medicare Plan Finder
Fitness Benefit | Medicare Plan Finder

Yes. Starting in 2020, UHC will offer new fitness benefits* with some plans. As plans can vary in every zip code, ask your licensed agent whether or not this benefit can apply to you! 

Medicare beneficiaries with certain UHC Medigap plans may feature a fitness benefit that includes gym membership discounts and phone access to wellness coaches along with other health resources.

Medicare Advantage policy holders may be able to join a program called Renew Active, which will replace SilverSneakers in January, 2020. UHC’s new benefit includes access to fitness centers, classes, and group activities along with tools to exercise your brain health.

*Always check with your doctor before starting any fitness program to make sure the program suits your individual needs.

When Can I Enroll in a Medicare Advantage or Medicare Supplement Plan?

The Annual Enrollment Period (AEP) is from October 15 – December 7, which is the time of year many Medicare beneficiaries can enroll in new plans or make changes to existing ones. 

Some members qualify for a Special Enrollment Period (SEP). Depending on your eligibility, you may have a lifelong SEP, which allows you to make one change per quarter for the first three quarters of the year — instead of only during AEP. Some people may only be eligible for a temporary SEP due to a life change, like moving to a new service area.

If you have just become eligible for Medicare for the first time, you can enroll in Medicare Advantage during your Initial Enrollment Period (IEP)

When You Can Enroll in Medicare Supplement Plans

You can enroll in a Medicare Supplement plan at any time during the year as long as you meet the requirements for Original Medicare (Part A and Part B). Note: Don’t wait too long to enroll in Original Medicare because once you’re out of your IEP you may require underwriting, because insurance carriers aren’t required to honor your “Guaranteed Issue Rights”.

Tennessee YMCA Locations Breaks Partnership With SilverSneakers

In related news, the Tennessee State Alliance of YMCAs decided to leave the SilverSneakers network. The change is effective January 1, 2020.

Other Supplemental Benefits With Medicare Advantage Plans

Along with fitness benefits, some Medicare Advantage plans can offer coverage for vision, dental, and hearing services. Other supplemental benefits include meal delivery, non-emergency medical transportation, and drug coverage (prescription and over-the-counter). 

Find Medicare Plans With a Fitness Benefit

If you want a Medicare plan with a fitness benefit or any other supplemental benefit, one of our licensed agents may be able to help. Our agents are highly trained and they can help you sort through the plans available in your location. To set up a no-cost, no-obligation appointment, call 833-438-3676 or contact us here today!

Contact Us | Medicare Plan Finder
Contact Us | Medicare Plan Finder