How to Find and Enroll in a Medicare Plan That Includes Silver&Fit
What is the Silver and Fit program, and how can Medicare members actually use it? It’s a healthy-aging and exercise benefit administered by ASH Fitness (American Specialty Health Fitness, Inc.) that comes bundled with select Medicare Advantage and some Medicare Supplement plans. It covers gym access, on-demand workout videos, live virtual fitness classes, and a home fitness kit shipped directly to your door. Many Medicare Advantage members already have this benefit listed right in their plan documents, but nobody pointed it out, and the card that unlocks it is still sitting in an envelope somewhere.
At Medicare365, this is one of the most common discoveries we make for people who call in. They enrolled in a Medicare Advantage plan, assumed the fitness benefit was a minor marketing line, and never looked into it. A ten-minute conversation reveals they’ve had Silver&Fit the whole time. This article is a practical walkthrough of what the program actually includes, who qualifies, which plans carry it, and the exact steps to get registered and start using it.
What is the Silver and Fit Program, and What Does It Give You?
Silver and Fit is not just a gym discount. It’s a layered fitness benefit with multiple access options, and which layers you can use depends on your specific plan. Understanding the full scope of what’s available makes it worth actually activating.
Gym and fitness center access across a large national network
Members get access to a nationwide network of participating fitness centers and select YMCAs, with some plans unlocking premium gym locations as well. Network size figures vary by source and date, so check SilverandFit.com or your plan documents for the current count in your area. You choose a participating fitness center, then present your Silver&Fit card at the front desk to check in, though plan rules on how many locations you may select can vary, so confirming the specifics with your insurer is a smart first step. In denser metro areas, several options are typically available.
Virtual classes, on-demand workouts, and home fitness kits
The Well-Being Club is the digital side of the program, offering live virtual events and an on-demand video library covering yoga, strength training, Pilates, walking programs, and cardio. Members also receive one Home Fitness Kit per benefit year, chosen from available options at the time of enrollment. Some plans layer in personalized workout plans and well-being coaching on top of that. This is a genuinely multi-channel Medicare fitness program, not a single gym pass with a few extra links attached.
Who qualifies and what Silver and Fit typically costs
Silver&Fit is not something you purchase separately or sign up for independently. Eligibility is determined entirely by whether your health plan includes the program, and access flows directly from your existing coverage.
Which types of plans deliver Silver&Fit
The benefit comes through Medicare Advantage plans, certain Medicare Supplement arrangements, and some employer or group retiree plans. If your plan includes it, the benefit is already part of your coverage package. You don’t need to add it or pay extra to unlock the base tier, though some plan designs do offer a premium buy-up option for access to more locations.
What members actually pay
For many Medicare Advantage members whose plans include Silver&Fit in 2026, the benefit comes at no additional cost beyond their regular plan premium. A small number of plan designs charge a monthly or annual program fee, and the premium tier for expanded gym access may carry its own cost. Confirming the exact fee structure with your insurer before enrolling is worth the five-minute call, since the details vary by plan. Many members pay nothing extra to activate this benefit, but checking plan-specific documents is the only way to be certain.
Which Medicare plans offer Silver&Fit and how to check yours
A number of Medicare Advantage plans confirmed to include Silver&Fit in 2026 include ConnectiCare, Blue Cross & Blue Shield of Rhode Island, Health First, HMSA, Select Health, and HealthSpring, though this is a starting point, not a complete list. Geisinger Gold Medicare Advantage includes it on certain plan options as well. Availability varies by region, plan variant, and county, so your specific plan’s inclusion is what matters.
Where to look in your own plan documents
Check your plan’s benefits page or member portal for the terms “Silver&Fit,” “fitness benefit,” or “healthy aging and exercise program.” Your Annual Notice of Change also lists any supplemental benefits added or removed for the current benefit year, so that’s a reliable place to look if you’re coming up on open enrollment. If you want to skip the document search, go directly to SilverandFit.com and enter your member ID to confirm eligibility in a few clicks.
The faster route: ask someone who already knows
Reading through plan documents takes time, and benefits pages aren’t always organized in a way that makes these extras easy to find. The advisors at Medicare365 can pull up your plan’s full benefit details in a single phone call and confirm right away whether Silver&Fit is included. If it’s not, they can walk you through Medicare Advantage plans in your area that do carry it, before the open enrollment window closes. No digging through PDFs required.
Finding participating gyms and virtual workout options near you
Once you’ve confirmed eligibility, the next step is practical: finding a location or digital option that actually fits your routine. The program makes this straightforward once you know where to look.
Searching for gyms at SilverandFit.com
Log in or create an account at SilverandFit.com, then use the ZIP code search under “Find Your Fitness Center” to see what’s in your area. The nationwide network includes both standard and premium locations, so finding at least one option within a reasonable distance is realistic for many members. Select YMCAs are also part of the network under certain plans, which is worth checking if you prefer that environment.
Choosing the home fitness or virtual route instead
If getting to a gym isn’t practical, members can select the home fitness program during registration instead. This gives access to the Well-Being Club’s on-demand video library, covering a range of workout styles and intensity levels suited to older adults. Members select either the fitness center option or the home fitness kit route, and some plans permit both. If you’re unsure which options your plan allows, the Medicare365 team can confirm that detail quickly.
Step-by-step: enrolling in Silver&Fit once your plan is confirmed
The registration process is simpler than most people expect. You don’t need medical records, a paper application, or a doctor’s referral. What you do need is a few basic pieces of information pulled together before you start.
What you need before you start
Gather your member ID card from your health plan, a valid email address to create your account, and a credit or debit card in case your plan charges a program fee. That’s the full list. No medical history, no forms to mail in. (Note: activation timelines can vary by plan, so confirm with your insurer whether any waiting period applies.)
The registration process from start to finish
1. Confirm eligibility through your plan or directly at SilverandFit.com using your member ID.
2. Go to SilverandFit.com and create a new account or log in with existing credentials.
3. Choose your workout option: a participating fitness center, the home fitness program, or both if your plan allows it.
4. Review and accept theterms and conditions, then pay any required program fee during checkout.
5. Download or print your membership card, or wait for the physical card to arrive by mail.
6. Present your card at the gym on your first visit and start using the benefit you’ve already paid for through your plan premium.
If you’d rather handle this by phone, Silver&Fit Customer Service can walk you through registration with your member information ready. Some plans also list a dedicated customer service line for the program on their benefits page, which is worth checking before you call the general member services number.
Silver&Fit vs. SilverSneakers: what’s different and when to get expert help
This comparison comes up constantly, and it’s worth addressing directly. Both programs serve a similar purpose, but they’re not interchangeable, and having one doesn’t mean you have access to the other.
The key differences between the two programs
Silver&Fit is administered by ASH Fitness (American Specialty Health Fitness, Inc.), while SilverSneakers is administered by Tivity Health. They operate separate gym networks, have different digital platforms, and are offered through different sets of health plans. Silver&Fit is often noted for its home fitness kit and coaching components, while SilverSneakers tends to emphasize group fitness classes and community programming. Neither is objectively better than the other.
What matters is which program is available on the plans you can realistically enroll in at your ZIP code and income level. If your current plan carries Silver&Fit, use it. If you’re shopping for a new plan, knowing which program each option includes is worth factoring into your decision.
How a quick call can resolve the confusion
Comparing fitness benefits across dozens of Medicare Advantage plans in your area is exactly the kind of task that sounds simple but turns complicated fast. Plan websites don’t always surface these details clearly, and the benefit structures change each year during open enrollment. The Medicare365 team handles these comparisons daily.
A free phone consultation with one of their advisors can identify which plans in your area carry Silver&Fit or SilverSneakers, walk you through the full benefit breakdown side by side, and help you enroll in or switch to the right plan before the open enrollment deadline. No guesswork, no stacking browser tabs trying to compare summaries of benefits documents.
Your next move
Silver and Fit benefits are real and usable, yet many members who already have access to the program haven’t activated it. The gap between “this is included in your plan” and “you’re actually using it” is usually just one registration step. The step is simple: confirm eligibility, pick your gym or digital option at SilverandFit.com, and register with your member ID.
If your current plan doesn’t include Silver&Fit, open enrollment is the right window to switch to one that does. Plans change their supplemental benefit offerings each year, which means a plan that didn’t carry this fitness benefit in 2025 might carry it now, and vice versa. Checking annually is worth doing.
Medicare365 offers free phone consultations with advisors who can check your current plan’s benefits, identify Medicare Advantage options in your area that include Silver&Fit, and walk you through enrollment from start to finish. The call is free, and advisors can confirm your benefits in minutes. Reach out to the Medicare365 team directly to get straight answers about your coverage and find out exactly what you’re entitled to use.