Fitness apps like Peloton and Nike Training Club are in vogue right now, offering live classes with personal trainers, on-demand workout videos, and access to workshops and support groups right from your phone, all for the price of a streaming subscription. It’s a workout revolution, but for many seniors it can be a bit too intense.

Some apps rely heavily on high-intensity interval training (HIIT), a workout style designed for the high-energy professional with only thirty minutes to spare. Others push expensive equipment like exercise bikes, treadmills, and fitness trackers. Most notably, nearly all of them are focused on the fitness goals of the younger generation: shedding extra pounds and getting toned and sexy.

A senior, however, has much different fitness goals. Yes, losing weight and improving your physique can be a wonderful goal at any age, but many seniors approach exercise as a way to stave off the effects of aging. Low-intensity exercise can bolster your independence by improving balance and preserving mobility, preventing dangerous falls. A good fitness program can help prevent heart disease, bolster your energy, boost your confidence, and improve your quality of life. The issue is finding one. Depending on your Medicare plan, you may already be eligible for one of the most comprehensive fitness plans on the market, all at no cost to you.

SilverSneakers offers all of the allure of those chic fitness apps in a senior-focused package. Not only can you access on-demand workouts as easily as clicking a YouTube video, but you also get access to a plethora of in-person benefits, including access to gyms and fitness facilities.

How does SilverSneakers work?

SilverSneakers is a perk offered through select Medicare Advantage plans.  Medicare Advantage is a private alternative to Medicare Parts A and B, also known as Original Medicare, that combines hospital and medical insurance with benefits Medicare doesn’t usually offer, like vision or dental care. In exchange for committing to a specific insurance network, you can get lower premiums, reduced cost-sharing obligations, and perks like grocery cards and meal delivery. SilverSneakers is just one of many benefits these private insurers offer seniors, and it’s undoubtedly one of the more enticing.

When you enroll in a Medicare Advantage plan that includes SilverSneakers, you’ll be directed to download their app. This app, which is available on iOS and Android, includes live and on-demand classes covering various fitness topics. Their classic courses focus on improving balance, strength, and endurance, and are designed for seniors looking to improve their mobility and independence. If that’s not enough of a challenge, they also offer yoga, pilates, Zumba, tai chi, and strength training, among others. They also cover wellness-related topics like nutrition, mindfulness, and meditation.

What helps SilverSneakers stand out over the competition are their in-person offerings. Membership in SilverSneakers includes access to over 15,000 fitness locations, including national chains like Planet Fitness.

Typically, this includes access to all of that location’s amenities, including equipment, pools, hot tubs, saunas, and any nutritional counseling they may offer. SilverSneakers also coordinates in-person courses through their app, allowing you to find local classes and programs that interest you. The plan is 100 percent customizable: you can go to any participating fitness center, take any courses you like, and focus on the benefits you want. Only want to do yoga? No problem. Don’t want to leave the house? You don’t need to. Only interested in your gym’s hot tubs and saunas? You do you.

Because it’s part of your Medicare Advantage plan, you’re under no obligations or pressure to use it, and you’re not necessarily wasting money by skipping a gym visit. It’s just one part of your whole healthcare package, and it’s up to you to fit it into your lifestyle and fitness journey.

What’s the Catch?

If all of this sounds too good to be true, that’s because there are a few caveats that come with any Medicare Advantage plan, and with SilverSneakers in particular.

Private insurers offer Medicare Advantage, which means you’re bound to that insurer’s network. Unlike Original Medicare, which is accepted practically everywhere in the country, Medicare Advantage is usually only accepted by in-network providers. Some plans allow limited out-of-network services, but for the most part, you’ll need to stick with a more limited pool of doctors and specialists.

These plans are also limited to specific regions, meaning SilverSneakers may not be available in your area. Even if it is, there is also the risk of losing your benefits if you spend a significant amount of time away from your coverage area. While Medicare Advantage always offers the same benefits as Original Medicare, the limited network might be a deal breaker for some.

SilverSneakers is one of the best fitness programs available to seniors, and with no-cost access to fitness centers across the country, it has a major edge over the competition. However, it’s still important to be informed.

Speak with a licensed insurance agent, such as those available at MedicareInsurance.com, before enrolling in Medicare Advantage to ensure that your chosen plan meets your healthcare needs. Be sure to consult a doctor before beginning a diet or exercise program and read the privacy policy before enrolling in any online service.