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Silver&Fit: A Medicare Fitness Program

Silver&Fit® is a privately-owned fitness program designed for seniors and Medicare-eligible beneficiaries. 

Even though it operates independently from Medicare, certain Medicare Advantage and some Medicare Supplement plans offer membership as a plan benefit.

Here’s what you need to know about this health and wellness program.

What is Silver&Fit?

Who Operates Silver&Fit?

Find Silver&Fit Locations Near You

Is Silver&Fit the Same as SilverSneakers?

Silver&Fit Medicare Coverage

What is the Annual Fee for Silver&Fit?

Silver&Fit Member Benefits

Silver&Fit FAQs

Silver&Fit Eligibility

How to Enroll in the Silver&Fit Program

What is Silver&Fit?

Silver&Fit is a comprehensive health and wellness program that offers participants an extensive Fitness Center network or a Home Fitness program to help older Americans stay healthy as they grow older. Several online features such as a resource library, mobile app, and more can also be accessed for even greater value.

Specific Silver&Fit benefits include:

  • Strength and body conditioning classes with local fitness centers
  • Home fitness kits
  • A digital resource library with videos, articles, other educational materials.
  • Social support and community activities to encourage social involvement
  • Participation in activities such as archery, hiking, gardening, volunteering, and many more.
  • The “Silver Slate” newsletter
  • Silver&Fit Connect! Mobile App to stream exercise videos and access healthy aging classes.
  • Fun challenges and rewards for staying healthy

Who Operates Silver&Fit?

Silver & Fit is owned and operated by American Specialty Health (ASH), a healthcare company dedicated to empowering individuals to live healthier and longer by improving the quality of health care and clinical outcomes in a cost-efficient way.

ASH has been accredited by the Utilization Review Accreditation Commission (URAC), the nationally recognized leading entity for accrediting specialty health plans.

The National Committee for Quality Assurance (NCQA) has also accredited ASH for its consumer protection and improvement in service to customers by developing a customized structure to meet customer needs.

Find Silver&Fit Locations Near You

Silver&Fit has a network of more than 14,000 participating fitness centers nationwide. Classes, amenities, and fitness centers vary by location and benefit plan.

There are four main types of facilities you can choose when you select your membership: 

  • Full Coed
  • Basic Coed
  • Gender-Specific
  • Exercise Centers

These locations can include your local gyms, YMCAs, and wellness centers.

To find several locations near you, visit the Silver&Fit website, and click on the “Fitness Centers” tab at the top of the page. You’ll be taken to a fitness center locator tool that you can use to find several participating centers.

If the fitness facility is not a part of the Silver&Fit network, members should call the

Silver&Fit toll-free Member Services hotline at 1-877-764-2746 (TTY/TDD 1-877-710-2746) for more options or to see if they can nominate the facility to become a Silver&Fit location.

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Is Silver&Fit the Same as SilverSneakers?

Silver&Fit is similar to and is sometimes mistaken for another Medicare fitness program called SilverSneakers.

Both companies offer group fitness classes and exercise opportunities to improve general fitness, strength, flexibility, and walking ability. Both also partner with Medicare Advantage and Medicare Supplement plans to provide their benefit. Eligibility for both programs is generally the same.

SilverSneakers offers benefits at more than 17,000 locations nationwide and offers seven types of classes including classic, circuit, cardio fit, boom programs, splash, stability, and yoga.

The main difference between the two programs are locations, types of classes, and home fitness availability.

Before committing to one or the other, it’s probably best to see which one gives you access to more locations in your immediate area. If you don’t have a gym or fitness center in your immediate area, or you can’t go to a gym for any reason, Silver&Fit offers home fitness kits so you can exercise at home.

Silver&Fit Medicare Coverage

Original Medicare Part A and Part B do not cover the Silver&Fit program as a benefit. Some Medicare Advantage Part C and Medicare Supplement plans will include it as a benefit. Remember, to enroll in a Part C plan, you must also be enrolled in Original Medicare.

It varies by plan and provider, so if you want this type of benefit, be sure to specifically inquire when you’re shopping for a plan.

Medicare Fitness Programs

What is the Annual Fee for Silver&Fit?

The annual fee for a Silver&Fit membership is $50 to enroll in a Fitness Facility membership. The cost to enroll in the Home Fitness Program is $10.

Call the Silver&Fit toll-free Member Services hotline at 1-877-764-2746 (TTY/TDD 1-877-710-2476) to enroll in either option.

Silver&Fit Member Benefits

As a Silver&Fit member, you have access to several benefits.

Fitness Facility Memberships

Silver&Fit provides access to fitness facilities at 14,000+ locations. Members have the option of selecting which kind of facility they want to use:

Full Coed Fitness Facilities. Men and women can take Silver&Fit-endorsed exercise classes in addition to a standard membership with cardiovascular and resistance training equipment, weight loss, yoga, Zumba classes, Pilates, and more.

Basic Coed Fitness Facilities. Men and women will have access to a standard membership including the use of cardiovascular and resistance training equipment. At the basic level, you will have access to equipment like treadmills, ellipticals, weights, etc. but may not have access to the full gym.

Gender-Specific Fitness Facilities.  This includes the same benefits as a standard membership but members have the opportunity to work out with others of the same gender if you are more comfortable in that type of environment.

Exercise Centers. This includes community pools, lap pools, yoga, Pilates studios, standard gym equipment, saunas, and sports centers.

ActiveOptions Network. This includes instructor-led classes in non-traditional settings such as parks, community centers, and recreation centers.

Members may change fitness facilities once per month by calling the Member Services hotline at 1-877-764-2746 (TTY/TDD 1-877-710-2746).

The Silver&Fit Home Fitness Program

If you can’t travel to a fitness center or if you prefer to work out in the privacy of your own home, you may be able to request a Silver& Fit Home Fitness Kit. 

Members who receive can select two of the 17 home fitness program options each benefit year. Each includes an instructional booklet and a DVD or CD. 

You get your first kit about 10 days after you enroll, and the second kit about 90 days after the first kit is shipped. 

Home Fitness Kit choices include:

  • Aquatics
  • Cardio and Strength
  • Chair Aerobics
  • Chair Boxing
  • Chair Dancing
  • Chair Pilates
  • Chair Resistance Bands (also includes a resistance band)
  • Chair Tai Chi
  • Chair Yoga
  • Exercise for the Bedridden and Physically Challenged
  • High-Intensity Workout Level 1
  • High-Intensity Workout Level 2
  • Stress Management
  • Tai Chi (also includes a small towel)
  • Tai Chi for Balance
  • Walking (also includes a pedometer)
  • Yoga (also includes a yoga strap)
Prescription Drug Savings

The Silver&Fit Exercise and Healthy Aging Program

You can also access an online catalog of Healthy Aging materials. After you enroll, you can have Healthy Aging materials sent to you by mail. Subjects include meditation, how to find the right exercise program, staying active, and community involvement.

Silver&Fit Connected! Program

Having a gym membership is only half the battle to getting in shape. With the Silver&Fit Connected! Program, you can track your fitness progress and earn rewards for meeting your goals. 

To participate, you will need a wearable fitness device (such as a Fitbit) or a smartphone.

Once you’ve registered, your online account can tell you what devices can work with Silver&Fit Connected! Silver&Fit does not reimburse for the cost of those products, and they are not included.

Silver Slate Newsletter

As part of your membership, you also have access to a quarterly newsletter called “The Silver Slate,” which you can receive by mail, email, or online. 

The newsletter features great tips for healthy living and is especially designed for seniors. You can also view the online catalog of healthy aging materials regarding active lifestyles, community involvement, and other related topics. 

 All programs and services may not be available in all areas. Contact Silver&Fit to see what limitations and restrictions may apply to your situation. 

Silver&Fit FAQ

Can I keep using my gym?

When you join Silver&Fit, you may be able to keep going to your current gym if it participates in the Silver&Fit program. If your gym is part of the network, be sure to show them your new Silver&Fit card to start receiving your benefits. 

If your gym doesn’t participate, you’ll need to look at other gyms in your area. 

You can also nominate your gym to be added to the program on the Silver&Fit website.

Can I use more than one gym?

Silver&Fit members must choose one fitness center for their program participation. 

You can switch to a new facility once per month. To make a change, log on to the Silver&Fit website and select Find a Fitness Facility, or call 1-877-427-4788. 

Can I use or get a Home Fitness kit if I go to a Fitness Center?

Home Fitness Kits are for members who do not have a local gym that participates in the Silver&Fit program, and for members who do not have access to transportation to fitness centers. 

You have to choose one or the other as your benefit. If you have one type and want to change, call Silver&Fit to cancel one type of the benefit and switch to the other.

What if I don’t have transportation?

You have a couple of options. Consider switching to a Home Fitness Kit instead of going to a gym. If your locale does not have city or county transportation that can get you to and from a gym conveniently, see if your Medicare Advantage plan includes a non-emergency transportation benefit.

What if I have other questions?

If you have other questions, go to the Silver & Fit website. You can also call Silver&Fit at 1-877-427-4788.

Silver&Fit Eligibility

Certain Medicare Advantage and Medicare Supplement plans include the Silver&Fit program as a benefit. Some people may also get access through a group retirement health plan.

To qualify for Silver&Fit, you must be an older adult at least age 65 and currently enrolled in Medicare Part A and Part B. You will then need to find a Medicare Advantage (Part C) or Medicare Supplement plan that includes Silve&Fit as a benefit.

To confirm eligibility, you’ll need to create a simple account by entering your name and birth date. Once this is confirmed, follow the steps to enroll online.

How to Enroll in the Silver&Fit Program

To enroll, start by selecting a Medicare Advantage or Medicare Supplement plan that includes the Silver&Fit benefit. Then, register on the Silver&Fit website.

If you have questions, call Silver&Fit at 1-877-427-4788, M-F, 5 am to 6 pm Pacific Time. You can also send an email to FitnessService@ashn.com

To find out what plans in your area include this benefit, also consider speaking with a licensed Medicare agent to help you pick the right plan for you and your needs. 

To set up your appointment, go here or call 833-438-3676.

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