Alyssa Lane
There are a variety of insurance plans that cover medical fitness, either through reimbursements, discounts, or free gym memberships. Some health insurance companies offer reimbursements for gym memberships and other fitness-related expenses, while others provide incentives such as free FitBits and cash rewards for reaching health milestones. Additionally, some Medicare Advantage and Medicare Supplement plans offer gym reimbursements or free gym memberships through programs like Silver Sneakers, Silver&Fit, and Renew Active. These programs are often provided by private insurance companies to attract beneficiaries. For fitness professionals, there are insurance companies that offer coverage for issues like bad advice, disgruntled customers, and personal injury cases, as well as medical payments insurance coverage to cover the urgent medical costs of injured members.
| Characteristics | Values |
|---|---|
| Insurance companies that cover gym memberships | Horizon BCBS, AmeriHealth, Aetna, Oscar, Cigna, John Hancock, Medicare Advantage Plans, Medicare Supplement Plans, Silver Sneakers, Silver&Fit, Renew Active |
| Requirements | Must complete at least 12 workouts per month, track activity using a fitness tracker or insurance company's app, and work out at an approved location |
| Incentives | Discounts, free memberships, cash incentives, free FitBit, Apple Watch, or other rewards |
| Coverage for fitness professionals | National Academy of Sports Medicine (NASM), NEXT Personal Trainer Insurance, general liability insurance, medical payments insurance, commercial property insurance, business interruption insurance |
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What You'll Learn
Gym membership reimbursements
Getting your gym membership reimbursed by your health insurance company is becoming more common. In some places, such as New Jersey, several insurance carriers offer reimbursement for membership fees, and some even incentivize tracking your workouts through fitness trackers like Apple Watch or Fitbit.
For example, Horizon BCBS's Bfit program reimburses up to $20 per month for gym memberships. AmeriHealth offers $150 in fitness fee reimbursement. Aetna offers $200 for you and $100 for your eligible spouse every 6 months, and their Medicare Advantage Plan members are automatically enrolled in the Silver Sneakers program, which offers free gym memberships at participating facilities. Oscar, a newer company on the New Jersey market, offers up to $400 per year for members and $200 for eligible spouses. Cigna provides various discounts, with up to 40% in total fitness fee reimbursement.
Medicare Advantage (MA) plans and Medicare supplement insurance (Medigap) plans often offer seniors free gym memberships through programs like Silver&Fit, Silver Sneakers, and Renew Active. These programs provide access to thousands of fitness centers and community centers across the US, as well as online fitness classes.
Some insurance companies also offer discount programs in addition to gym reimbursements. For example, John Hancock offers a Fitbit or Apple Watch for $25 when signing up for their Vitality program, with the watch paid off through points earned by completing monthly activities.
It's important to check with your specific health insurance plan to see what benefits are included, as many plans offer incentive programs that include free gym memberships or reimbursements.
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Insurance for fitness professionals
If you work in the fitness industry, it's important to have the right insurance in place to protect yourself and your business. There are several types of insurance that fitness professionals should consider:
General Liability Insurance
This type of insurance protects your company from third-party claims related to personal injury or property damage. For example, if a client trips over a cable and injures themselves, general liability insurance would cover the medical expenses and any lost wages. It also typically covers defamation, damage to rental premises, and injuries resulting from advertising.
Professional Liability Insurance
Also known as wellness and fitness insurance, this type of insurance is specifically designed for fitness professionals such as personal trainers and instructors. It provides protection against claims of injury and negligence. For example, if a client injures themselves during a workout and files a claim against you, professional liability insurance can help cover the cost of hiring lawyers and paying settlements.
Commercial Property Insurance
This type of insurance covers the structure and contents of your gym or fitness studio. It protects against property damage caused by theft, fire, hail, tornadoes, and vandalism. If you rent a space, you can insure your portion of the building.
Medical Payments Insurance
This coverage option can help pay for the immediate medical costs of an injured client, such as an X-ray for a sprained ankle. It can also help prevent costly lawsuits by demonstrating your concern for the client's well-being.
Business Interruption Insurance
This type of insurance provides compensation if an event forces your business to shut down temporarily.
When choosing an insurance provider, it's important to consider your specific needs and risks. Some reputable companies offering insurance for fitness professionals include GEICO, Berxi, K&K Insurance Group, and the National Academy of Sports Medicine (NASM). These companies provide various coverage options, affordable rates, and specialized services for the fitness industry.
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Medicare Advantage plans
Original Medicare does not cover gym or fitness centre memberships. However, private Medicare plans, like Medicare Advantage (also known as Part C or MA plans), might. These plans are offered by private insurance companies and must cover at least as much as Original Medicare in terms of inpatient, outpatient, and preventive care services.
If you're interested in fitness services, ask about coverage for these benefits when selecting your Medicare Advantage plan. Most Medicare Advantage plans offer participation in national fitness programs like SilverSneakers, Silver&Fit, or Renew Active, or they offer members an allowance for fitness program reimbursement.
For example, Aetna offers gym membership reimbursements for their Medicare Advantage Plans. Married couples can receive up to $600 annually. If you’re enrolled in an Aetna Medicare Advantage plan, you’re automatically enrolled in the Silver Sneakers program, which offers free gym memberships at participating facilities.
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Medical reimbursement
In the US, Medicare Advantage (MA) and Medicare Supplement insurance (Medigap) plans often offer gym reimbursements. Original Medicare, however, does not offer coverage for gym memberships. Private insurance companies that offer Medicare Advantage plans may provide fitness benefits as a marketing tactic to attract beneficiaries. These benefits can include gym memberships, fitness allowances, or their own fitness programs. It is important to prioritize healthcare needs over gym memberships when considering these plans.
Some specific examples of insurance companies offering reimbursements include Horizon BCBS, which reimburses up to $20 per month for gym memberships through its Bfit program. AmeriHealth offers $150 in fitness fee reimbursement, while Aetna offers $200 for individuals and $100 for eligible spouses every 6 months. Oscar, a newer company in New Jersey, offers up to $400 for members and $200 for eligible spouses. Cigna provides various discounts and up to 40% reimbursement in total fitness fees. Aetna Medicare also offers free Silver Sneaker memberships, which provide access to thousands of gyms and community centers nationwide.
For fitness professionals, medical reimbursement can be pursued through insurance companies for personal training sessions. This typically requires a prescription or referral, and the exercise activity must be medically necessary for the client's condition. Medical reimbursement can cover the urgent medical costs of an injured member, including medical expenses, lost wages, and rehabilitation. Fitness businesses should also carry general liability insurance to protect against third-party claims for personal injury or property damage.
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Health milestones incentives
Health milestone incentives are an innovative way to encourage employees to adopt and sustain healthy behaviours. These incentives are designed to motivate and inspire employees to take control of their physical and mental health and overall well-being.
Health milestone incentives are a powerful tool to influence human behaviour, especially when it comes to health. They provide a sense of ownership, excitement, and accountability, encouraging employees to indulge in wellness activities, track their progress, and strive for healthy behaviours.
Health milestone incentives tap into an individual's natural competitive spirit and boost their morale. They work on the simple psychology of rewards and recognition. For example, offering cash rewards for achieving health goals or creating healthy competitions, such as step count challenges, can foster camaraderie and encourage social support among employees.
- Financial incentives: Cash rewards, gift cards, or vouchers for achieving specific health milestones.
- Non-financial incentives: Social recognition, praise, badges, certificates, trophies, or gamification elements like virtual avatars.
- Healthy perks: Free healthy lunches, on-site health screenings, reimbursements for bike-to-work initiatives, providing standing desks, and hosting annual wellness fairs.
- Learning incentives: Stipends for learning new software, earning certifications, or attending industry events to boost employee satisfaction and enhance their skills.
- Time-off incentives: Flexible work hours to accommodate wellness activities or sabbatical leave rewards for extended paid time off after reaching long-term service milestones.
Health milestone incentives are a great way to show employees that their health and well-being are valued and recognised. By implementing these incentives, organisations can create a culture of engagement and personal investment in wellness, ultimately improving the overall health and satisfaction of their workforce.
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Frequently asked questions
Yes, some health insurance companies offer gym membership reimbursements or incentives for tracking workouts.
Horizon BCBS, AmeriHealth, Aetna, Oscar, and Cigna offer gym membership reimbursements.
Silver&Fit, Silver Sneakers, and Renew Active are Medicare Supplement plans that offer no-cost or low-cost gym memberships.
Yes, you will likely need a prescription or referral from a licensed physician to pursue medical reimbursement from the insurance company.
Some insurance companies offer wellness programs or premium deductions for fitness-related expenses. Additionally, some companies offer incentives such as free Fitbits or cash rewards for reaching health milestones.
