I exercise regularly and maintain a healthy lifestyle. Does Medicare offer any incentives or additional benefits for preventive health behaviors?

Question

Dana Dane · Accepted Answer

A few Medicare Supplements and some Medicare Advantage plans have a benefit for gym memberships. Some Medicare Advantage plans will pay you a specific dollar amount for preventative visits. I would not choose a plan based on these benefits. Focus on the quality of the medical coverage. Please contact your local agent for more information about the plans in your area.

Answered by Dana Dane on April 10, 2025

Agent Licensed in OR, AZ, CA & 6 other states

Answered by Dana Dane Medicare Insurance Agent

Lt Col Tim Brown · Answer

Preventative care is covered of course.  Gym memberships come with most Medicare Advantage Plans.  Usually Silver and Fit and Silver Sneakers is the program names that pay basic memberships.

Mark Maliwauki · Answer

Absolutely. Many Medicare Advantage carrier plans are built with healthy minded and focused individuals in mind. They give additional rewards $s for staying active, visiting your Dr once per year for a check up, being social and getting out and about.

Answered by Mark Maliwauki on July 11, 2025

Broker Licensed in ID, AZ, CA & 15 other states

Answered by Mark Maliwauki Medicare Insurance Agent

Misty Scaggs · Answer

Yes, most Medicare Advantage plans & some Medicare Supplements have no cost or discounted gym memberships as well as rewards for completing healthy activities such as vaccinations, annual routine exam and at home health assessments.

Answered by Misty Scaggs on July 7, 2025

Broker Licensed in MO, FL & IL

Answered by Misty Scaggs Medicare Insurance Agent

Robin Mulcahy · Answer

Yes, many Medicare Advantage plans include a free health club membership.  Some plans also offer incentives to members for completing preventative health screenings.

David Moore · Answer

Health is important. That is why Medicare covers for preventive healthcare procedures to be more proactive than reactive.

Steven Bleicher · Answer

There are plans containing a free gym membership or something very close to it. It can occur with either a Supplement (Medigap) or with an Advantage plan. So, carefully check to see if this perk is a part of your choices for the secondary insurance. Don't make the use of a free gym membership however as an end-all since you first want the best health benefits from your Medicare policy; don't let the membership be the reason for choosing your plan since the overall value of the plan cannot surpass the best health benefits for your lifetime!

Answered by Steven Bleicher on June 29, 2025

Broker Licensed in AZ

Answered by Steven Bleicher Medicare Insurance Agent

Rick Porras · Answer

Hello, Medicare does not have any incentives to promote healthy life styles. However, your secondary insurance plan, Medicare Advantage or your Medigap may have a program depending on which insurance company you have, Feel free to contact me for assistance.

Answered by Rick Porras on June 2, 2025

Broker Licensed in CA, AZ, CO & 10 other states

Answered by Rick Porras Medicare Insurance Agent

Fred Manas · Answer

While Original Medicare doesn't offer direct financial incentives or rewards for maintaining a healthy lifestyle, it does provide coverage for preventive services that can help you stay healthy and potentially avoid future health issues. 
Medicare-covered preventive services that support a healthy lifestyle:
Annual Wellness Visit: This visit allows you to develop or update a personalized prevention plan with your doctor, including discussing healthy lifestyle choices.
Screenings: Medicare covers various screenings like mammograms, colorectal cancer screenings, and cardiovascular screenings, which can help detect potential problems early.
Counseling: Medicare covers counseling services for things like obesity, alcohol misuse, and tobacco use, which can help you make healthier choices.
Vaccinations: Medicare covers vaccines for the flu, pneumonia, and hepatitis B, which can help protect you from illness.
Medicare Diabetes Prevention Program: If you have prediabetes, Medicare covers a program to help you prevent type 2 diabetes through lifestyle changes. 
Medicare Advantage plans and additional benefits:
Many Medicare Advantage plans (Part C) offer additional benefits that can support a healthy lifestyle, such as: 
Fitness programs: Some plans may include gym memberships or fitness programs like SilverSneakers or Renew Active.
Wellness programs: These may include services like vision, hearing, and dental care, or even virtual check-ups.
Rewards programs: Some Medicare Advantage plans have started to offer rewards or incentives for completing healthy activities, like getting a flu shot. However, these programs and the specific incentives offered can vary by plan, so it's important to check the details of any plan you're considering. 
Key takeaway:
While Original Medicare focuses on covering preventive services, You can check with your specific Medicare plan to see what Medicare Advantage plans often offer additional benefits that can support a healthy lifestyle.

Steve Brauer · Answer

This answer is provided in a video format. Watch the agent's video response here: https://medicareagentshub.com/questions/medicare-incentives-healthy-lifestyle-benefits#steve-brauer

Marcie Barnes · Answer

Several Medicare Advantage plans provide a gum membership and incentives for staying healthy.

Medicare alone does not.

John Motsinger · Answer

Some medicare advantage plans do offer incentives and benefits for those who meet certain health goals.

Larry Pereiro · Answer

Yes, most carriers have programs that provide financial reward for engaging in healthy activities and habits. This includes but is not limited to routine annual check ups and so forth.

Jerry Cohen · Answer

While Medicare does encourage maintenance of good health by covering an annual physical each year the real support comes from Medicare Supplement or Medicare Advantage plans that cover gym memberships and healthy living options such as dieting and smoking cessation.

Answered by Jerry Cohen on April 9, 2025

Broker Licensed in NY

Answered by Jerry Cohen Medicare Insurance Agent

Mel Stevens · Answer

I love to hear when people are exercising on a regular basis. Most Medicare plans offer a free or discounted gym membership plan with various companies. All plans are different but there are some plans that do offer some additional incentives like bonuses for completing certain tasks. Some plans will also offer an OTC or over the counter benefit card that people will use to purchase vitamins and other items to help keep themselves healthy.

Answered by Mel Stevens on April 28, 2025

Broker Licensed in AZ

Answered by Mel Stevens Medicare Insurance Agent

Tony Hardwick · Answer

Original Medicare doesn't, but Medicare Advantage plans include gym memberships and fitness and wellness programs that encourage healthy behavior. Some also offer gift cards for completing health related activities like getting a flu shot or a wellness visit.

Answered by Tony Hardwick on April 28, 2025

Agent Licensed in GA, AZ, CA & 15 other states

Answered by Tony Hardwick Medicare Insurance Agent

Rene Apack · Answer

Good for you! 
Maintaining good health will provide you with numerous lifetime benefits.
A preventive annual exam is best to do to create a baseline for your future.
Best wishes.

Rene Apack

Lesley Burns · Answer

Medicare does not. However, there are private insurance companies that manage Medicare plans that do offer incentives and additional benefits.

Stephen Garrard · Answer

Yes, there are plenty of incentives offered by plans to help members adopt healthy habits and lifestyles. One of the most common among Medicare Advantage plans is a gym membership or fitness reimbursement benefit. 

Each plan is different in different areas of the country. To find out if your plan has such a benefit, call your plan’s member services, usually found on the back of your member ID card or check your Summary of Benefits document. 

When shopping for new plan options, always check the Summary of Benefits document (and the more detailed Evidence of Coverage document) to determine what member programs and rewards the plan offers. 

Usually, Medicare supplement plans (Medigap) do not offer healthy habit incentives, but I have seen a few that do cover gym memberships or offer fitness discounts. Otherwise, you’re going to find these rewards and programs in the Advantages plans.

I exercise regularly and maintain a healthy lifestyle. Does Medicare offer any incentives or additional benefits for preventive health behaviors?

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I exercise regularly and maintain a healthy lifestyle. Does Medicare offer any incentives or additional benefits for preventive health behaviors?

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