How to Find Out What Health Insurance Pays For Gym Membership (2024)

There are several ways that health insurance providers reimburse their members for gym membership fees. You can find these reimbursement programs by calling your provider or visiting their website.

In addition to reimbursements, some providers offer discounts on certain gym memberships. Some also feature senior-focused programs like Silver Sneakers, which provides free gym memberships for seniors 65+.


Most health insurances do not pay for a full gym membership, but they do offer partial coverage for certain amenities and services. You can find out if your plan includes this coverage by checking the details of your policy.

If you’re covered by an employer, your health insurer may also help you pay for gym memberships and other fitness-related expenses through a Flexible Spending Account (FSA). These tax-free accounts typically allow you to set aside money for out-of-pocket medical and dental costs.

To get reimbursement, you must prove that you need the service. Your doctor’s note can be helpful here.

For those with Medicare, a health and fitness program called SilverSneakers can cover gym membership fees for people aged 65 and older. The program is available at community centers and gyms across the country.

Lastly, some health funds offer reimbursement programs that include discounts on gym membership fees, fitness gear and even online classes. These perks vary by health fund, but can often total up to a few hundred dollars over the course of a year.


If you want to save on gym membership costs, try to negotiate a deal. If you can, speak with a manager rather than a salesperson.

Many gyms offer discounts or free trial weeks during certain times of the year. This is a great way to find out whether the gym is right for you and to try out their equipment without paying full price.

You can also try to negotiate with the gym for a multi-club discount. But watch out for special terms and conditions – some clubs may charge a premium for this feature, so be sure to read them carefully.

Another great idea is to sign up for a free trial week at multiple facilities in your area to see which one you like the best.

Some fitness centers even offer discounts for students, members of the military, first responders and teachers. Make sure to ask for them if you are interested in joining a gym, because they could be worth their weight in gold!

Incentive-Based Programs

Gym rewards programs are a great way to motivate gym members to stay engaged with your fitness business over time. Rewards can include branded merchandise giveaways, class passes, certificates, or other incentives.

Incentives can also be based on achieving specific health or fitness goals, such as writing online reviews for your gym. These are a great way to engage members and get them excited about coming to the gym, but be sure that the rewards are attainable and relevant for your members.

Another type of incentive can be based on the number of visits a member makes to your gym each month. This can be a good incentive for new members who may be hesitant to start going to the gym or who might not have a set schedule.

Many other businesses, including grocery stores, retail stores, and airlines, offer customer loyalty or rewards programs. These focus on rewarding certain habits, like purchasing products, meeting spending limits, or writing online reviews.


If you have health insurance, there are a few ways to find out what your plan will pay for gym membership. One of the best ways is to look through your paperwork or check with your human resources insurance expert.

If your health insurance company has a partnership with a local fitness center, they may have a discount program in place that can save you on the cost of your gym membership. Some even offer members discounts on personal training services.

Many health insurers also provide reimbursements between $100 and $400 per year for fees paid for gym memberships. However, this is usually only for a select number of gyms and the fee might be capped. In order to make this happen, you will need to provide documentation of the cost, a log of your workouts and an explanation for why you need the coverage. Some carriers even require a letter of medical necessity from your doctor to get the credit.

How to Find Out What Health Insurance Pays For Gym Membership (2024)
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