SilverSneakers · Medicare Advantage · Medigap · Renew Active · Free Gym Access for Seniors
SilverSneakers gives you free access to 15,000+ gyms, fitness classes, and online workouts — but only through the right insurance plan. Original Medicare doesn’t cover it. Medicare Advantage and some Medigap plans do. This guide tells you exactly which carriers include it, how to check your own plan, what to do if yours doesn’t, and why some seniors just lost their gym access without warning.
👟 SilverSneakers — The Plain-English Summary
SilverSneakers is a fitness and wellness program operated by Tivity Health that gives enrolled seniors free access to participating gyms, group fitness classes, online workout videos, and community events — at no extra cost beyond what they already pay for their health insurance. It is not a government program, and Original Medicare (Parts A and B) has never covered it. Access comes exclusively through Medicare Advantage (Part C) plans that choose to include it as a supplemental benefit, and through some Medicare Supplement (Medigap) plans whose insurance carriers offer it as an add-on. About 95% of Medicare Advantage plans offered some type of fitness benefit in 2025, though that fitness benefit is not always SilverSneakers specifically — some carriers use competing programs like UnitedHealthcare’s Renew Active or Blue Cross Blue Shield’s One Pass instead. The fastest way to find out if your plan includes SilverSneakers is to use the eligibility check tool at silversneakers.com — enter your insurance information and it tells you within seconds.
📋 Key Facts — Answered Directly
These are the questions seniors most commonly search about SilverSneakers — with straight answers that skip the insurance industry runaround.
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Does Medicare cover SilverSneakers for seniors? Original Medicare (Parts A & B): No — never covered fitness memberships · Medicare Advantage (Part C): Yes, on most plans · Medigap: Some plans include it — depends on your carrier and state · Check your plan at silversneakers.comOriginal Medicare — the standard federal health insurance for people 65 and older — does not cover gym memberships, fitness programs, or SilverSneakers of any kind. This applies regardless of which Medigap supplement you have, unless your specific Medigap insurer has chosen to add SilverSneakers as an extra benefit. Medicare Advantage plans, which are private insurance alternatives to Original Medicare that must cover everything Medicare covers and can add extras, are the primary vehicle for SilverSneakers coverage. The Kaiser Family Foundation reported that 95% of Medicare Advantage plans included fitness benefits in 2025 — but “fitness benefit” doesn’t always mean SilverSneakers specifically. UnitedHealthcare uses Renew Active instead. Some Blue Cross Blue Shield plans use One Pass. The specific program matters because it determines which gyms you can access. Always verify using the SilverSneakers eligibility tool rather than assuming your plan includes it because your neighbor’s plan does.
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Which insurance companies include SilverSneakers? Main carriers offering SilverSneakers: Aetna · Anthem/Blue Cross Blue Shield (select plans) · Humana · Wellcare · CareFirst · Clear Spring Health · Washington National · CarePlus · Not included: UnitedHealthcare uses Renew Active instead · Always verify by plan and county — availability variesThe carriers most consistently associated with SilverSneakers across Medicare Advantage plans are Aetna, Humana, Wellcare, Anthem (and Blue Cross Blue Shield affiliate plans), CareFirst, Clear Spring Health, and CarePlus. Humana includes SilverSneakers on most of its Medicare Advantage plans but notably does not include it on its Medigap plans. Aetna offers SilverSneakers on Medicare Advantage plans in many states, though the specific plans that include it vary by county. The important distinction: UnitedHealthcare — the largest Medicare Advantage carrier in the country — does not use SilverSneakers. It uses its own program called Renew Active, which has a larger gym network (25,000+ locations) but is exclusively available through UnitedHealthcare plans. If your plan is through UnitedHealthcare and you see “Renew Active” in your benefits, that is your fitness benefit equivalent. The SilverSneakers eligibility tool at silversneakers.com allows you to enter your insurance card information and instantly see whether your specific plan qualifies — this is more reliable than calling customer service because it pulls real-time plan data.
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How much does SilverSneakers cost per month — and what if my plan doesn’t include it? With qualifying insurance: $0 — completely free as a plan benefit · Without qualifying insurance: SilverSneakers does not sell memberships to the public directly · Alternative: contact gyms in your area — many offer senior discounts and drop-in rates · Planet Fitness, YMCA, and community centers have their own senior programsIf your Medicare Advantage or qualifying Medigap plan includes SilverSneakers, you pay nothing extra for the membership — it is bundled into your plan at no additional monthly charge. You still pay whatever premium, copay, or deductible your plan requires for healthcare, but the SilverSneakers fitness benefit itself adds zero to your bill. If your plan does not include SilverSneakers, you cannot purchase a SilverSneakers membership on your own — Tivity Health does not sell individual memberships to the public. Your options are to switch to a plan that includes it during Medicare Open Enrollment (October 15–December 7), or to use gym-specific senior programs. Planet Fitness offers memberships as low as $10–$25/month. YMCAs offer income-based sliding-scale memberships that can be $20–$40/month for seniors. Many senior centers and community recreation departments offer free or very low-cost fitness facilities and classes specifically for older adults. Some gyms also offer senior discounts for day passes that don’t require a monthly commitment.
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Does Aetna have SilverSneakers? Yes — Aetna Medicare Advantage plans include SilverSneakers in most states · Availability varies by specific plan and county · Aetna Medicare Advantage members can verify at silversneakers.com · Note: Aetna closed about 90 Medicare Advantage plans for 2026 — confirm your plan is still availableAetna is one of the most widely cited carriers for SilverSneakers availability, and the benefit is included on most of Aetna’s Medicare Advantage plans across the country. However, Aetna’s 2026 plan landscape is notably different from prior years — the company discontinued approximately 90 Medicare Advantage plans across 34 states for 2026, primarily PPO options, as part of a national restructuring of its Medicare business. If you were on an Aetna plan that included SilverSneakers and received a notice that your plan was ending, your SilverSneakers access ends with that plan on December 31. You would need to enroll in a replacement plan — either another Aetna plan in your area or a plan from a different carrier — to continue your gym access. Aetna members who were affected received a Special Enrollment Period to choose a new plan. The SilverSneakers eligibility tool at silversneakers.com is the most reliable way to check whether a specific Aetna plan in your county includes the benefit for your current plan year.
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Does Blue Cross Blue Shield cover SilverSneakers? Varies significantly by state and specific plan · Some BCBS affiliate plans include SilverSneakers · Others use alternative programs (One Pass) · BCBS of Minnesota dropped YMCA and Life Time Fitness from SilverSneakers network for 2026 · Always verify your specific BCBS plan — coverage differs by state affiliateBlue Cross Blue Shield is not a single national insurer — it is a federation of 35 independent regional companies that operate under the Blue Cross Blue Shield brand in their respective territories. This means BCBS of Alabama operates differently from BCBS of Michigan, which operates differently from BCBS of Texas, and each makes its own decisions about which fitness benefit program to include. Some BCBS affiliates include SilverSneakers as part of their Medicare Advantage plans. Others have adopted One Pass (formerly associated with AARP/UnitedHealthcare) as their fitness benefit instead. The BCBS of Minnesota situation in late 2025 — where roughly 7,800 seniors lost access to YMCA and Life Time locations with little warning — illustrates why it’s important to verify specific gym eligibility at the start of each plan year, even if your carrier hasn’t changed. The program itself may stay in your plan’s benefits, but which gyms participate within it can change annually. Anthem Blue Cross Blue Shield — which covers many states including California, Colorado, Connecticut, Georgia, Indiana, Kentucky, Missouri, Nevada, New Hampshire, New York, Ohio, Virginia, and Wisconsin — does include SilverSneakers on select Medicare Advantage plans.
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What is Renew Active and how is it different from SilverSneakers? Renew Active: UnitedHealthcare’s proprietary fitness benefit — 25,000+ gym locations · SilverSneakers: available through multiple carriers — 15,000+ locations · Renew Active includes brain challenge programs and social components · Neither is available without the right insurance plan · Both are free to qualified plan membersRenew Active is UnitedHealthcare’s branded fitness benefit for its Medicare Advantage members. It was created specifically because UnitedHealthcare — as the largest Medicare Advantage insurer — chose to build its own fitness program rather than use SilverSneakers, and it offers a wider gym network (25,000+ locations versus SilverSneakers’ 15,000+). Renew Active includes gym access, fitness classes, personalized fitness plans, online and in-person workouts, brain challenge games designed to support cognitive health, and social community events. Premium gym options with personal training and additional amenities are available as an upgrade on some Renew Active plans. SilverSneakers, by contrast, is more widely distributed across different carriers — you can get it through Aetna, Humana, Wellcare, Anthem, and others. If you are on or considering a UnitedHealthcare Medicare Advantage plan, your fitness benefit will be Renew Active, not SilverSneakers — and the program is solid. If you specifically want SilverSneakers because your preferred gym is in that network but not the Renew Active network, verify the gym’s participation in each program before choosing a plan. Many major gym chains — Planet Fitness, YMCA, Anytime Fitness, and others — participate in both programs.
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Do Medigap plans include SilverSneakers — and what is Plan G’s disadvantage? Some Medigap plans do include SilverSneakers — but it depends entirely on your insurer and state · Plan G is the most popular Medigap plan but has NO built-in SilverSneakers benefit as a Medicare standard · Whether SilverSneakers is included depends on whether your specific Plan G insurer adds it · Plan G’s main disadvantage: you must pay the Part B deductible out of pocket (unlike Plan F)Medigap plans are standardized by the federal government into lettered categories (Plan A, B, C, D, F, G, K, L, M, N), but the standardization only covers what Medicare costs they help pay — not supplemental wellness benefits. The SilverSneakers question for Medigap is entirely up to the private insurance company selling the plan in your area, not the plan letter. A Plan G sold by Company A might include SilverSneakers; the same Plan G sold by Company B in the same ZIP code might not. To find Medigap plans that include SilverSneakers, use the eligibility tool at silversneakers.com and filter for Medigap, or call SHIP (your State Health Insurance Assistance Program) for free, unbiased guidance on plans in your area. On Plan G’s disadvantage: Plan G is currently the most comprehensive Medigap plan available to new enrollees (Plan F closed to new enrollees in 2020). The one gap in Plan G is that it does not cover the Medicare Part B annual deductible — currently $257 in 2025 — which you pay out of pocket each year before Medicare starts covering outpatient services. For most seniors, $257/year is a manageable expense, and Plan G’s premium is usually low enough to offset it. The trade-off is worth calculating based on your specific usage and local Plan G premiums.
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What does SilverSneakers actually include — and can I use any gym? 15,000+ participating locations nationwide · Unlimited visits, no per-visit fee · Group fitness classes included at participating locations · FLEX community classes at parks, community centers, churches · SilverSneakers LIVE: online instructor-led classes · SilverSneakers On-Demand: workout library · GO app for finding locations and tracking progress · You must use participating gyms — not every gym accepts itA SilverSneakers membership is more than a gym pass — it is a structured fitness program designed around the specific physical and social needs of older adults. At participating locations, you get unlimited access to equipment, pools, and group classes at no per-visit charge. The class lineup typically includes strength training, balance work, yoga, tai chi, water aerobics, Zumba, and SilverSneakers’ own signature circuit and strength classes that are designed to be low-impact and appropriate for seniors with limited mobility or chronic conditions. The FLEX program brings free classes to parks, community centers, churches, and libraries — outdoor and community-based fitness specifically for seniors who prefer not to go to a gym. Online, SilverSneakers LIVE offers real-time instructor-led virtual classes, and the On-Demand library provides recorded workout videos you can do at home any time. The SilverSneakers GO app helps you find participating locations, schedule classes, and track your activity. On the gym access question: you can only use participating gyms, and the list changes. Planet Fitness, YMCA, LA Fitness, Anytime Fitness, and many local recreation centers participate in most areas. Always check the gym’s participation status through the app or website before visiting, because individual locations within a chain may not all participate even if the chain generally does.
🏥 Major Carriers — SilverSneakers Status at a Glance
SilverSneakers availability varies by plan and county — these cards show the general status by carrier. Always verify your specific plan at silversneakers.com before enrolling.
Aetna
Medicare Advantage · Many states
SilverSneakers included on most Aetna Medicare Advantage plans. Verify your specific plan — Aetna reduced its MA footprint for 2026 in some markets.
✅ SilverSneakers included
Varies by plan & county
Humana
Medicare Advantage · Nationwide
SilverSneakers on most Humana Medicare Advantage plans. Not included on Humana Medigap plans. One of the most consistently available carriers.
✅ MA plans: yes
❌ Medigap: no
Anthem / Blue Cross Blue Shield
Medicare Advantage · Select states
Anthem BCBS includes SilverSneakers on select Medicare Advantage plans in many states. Other BCBS affiliates vary — always verify by state affiliate and plan.
✅ Select MA plans
Varies by state affiliate
Wellcare
Medicare Advantage · Multiple states
Wellcare Medicare Advantage plans in many states include SilverSneakers. Wellcare primarily serves lower-income and dual-eligible Medicare-Medicaid members.
✅ SilverSneakers on many plans
Verify by county
UnitedHealthcare
Medicare Advantage · Nationwide
UnitedHealthcare does NOT use SilverSneakers. Uses Renew Active instead — 25,000+ gym locations, brain challenges, and social programs. Largest MA insurer.
🔄 Renew Active (not SilverSneakers)
25,000+ locations
CareFirst BCBS
Medicare Advantage · MD, DC, VA
CareFirst Blue Cross Blue Shield includes SilverSneakers on Medicare Advantage plans in Maryland, Washington DC, and Northern Virginia.
✅ SilverSneakers included
MD · DC · VA markets
Clear Spring Health
Medicare Advantage · Select states
Clear Spring Health Medicare Advantage plans include SilverSneakers as a benefit in the states they serve. Smaller carrier focused on senior-specific benefits.
✅ SilverSneakers included
Check state availability
Kaiser Permanente
Medicare Advantage · Select regions
Kaiser Permanente Medicare Advantage plans in their service areas include fitness benefits — verify whether SilverSneakers or Kaiser’s own program applies in your region.
✅ Fitness benefit included
Verify specific program
🔍 Your Situation, Answered
How do I find out if my current insurance plan includes SilverSneakers?
CHECK YOUR PLAN
The fastest and most reliable way is the SilverSneakers eligibility tool at silversneakers.com — it takes about 90 seconds and gives you a definitive answer. Go to silversneakers.com and click “Check Eligibility.” You’ll be asked to enter your insurance information — specifically your Medicare ID number or insurance member ID (found on your insurance card), your date of birth, and your ZIP code. The system cross-references your plan data in real time and tells you whether you are eligible, what your membership number is, and which locations near you participate. If you prefer to call, dial the number on the back of your insurance card and ask specifically: “Does my plan include SilverSneakers, and which gym locations in my ZIP code participate?” If the agent says “I’m not sure” or “let me check,” ask to be transferred to the benefits department. Three things to verify on that call: whether the benefit is SilverSneakers specifically (not a competing program), which local gyms participate, and whether there is a different card or ID number you need to bring to the gym versus your insurance card. Also verify at the start of every new plan year — gym participation can change even when the program itself stays in your benefits.
🌐 Eligibility check: silversneakers.com (takes 90 seconds)
📞 Call back of insurance card — ask for benefits department
📱 SilverSneakers GO app: find gyms near you after verifying
✅ Verify again at start of each new plan year
My plan doesn’t include SilverSneakers — can I switch to one that does?
SWITCHING PLANS · OPEN ENROLLMENT
Yes — and Medicare’s Open Enrollment period (October 15 through December 7 each year) is the main window to switch Medicare Advantage plans specifically to get SilverSneakers as a benefit. Changes made during Open Enrollment take effect January 1 of the following year. To find Medicare Advantage plans in your county that include SilverSneakers: go to medicare.gov/plan-compare and search for plans in your ZIP code, then filter for plans with fitness benefits. Separately, check the SilverSneakers plan finder at silversneakers.com/blog/eligible-insurance-plans to see which plans in your state offer SilverSneakers coverage. Before switching plans for SilverSneakers alone, compare the full plan — premiums, drug formulary, copays for your specific prescriptions, and provider network — against your current plan. It would not make financial sense to switch to a plan with SilverSneakers if that plan’s drug coverage costs you $100/month more than your current one. If you need help comparing plans, contact your state’s SHIP (State Health Insurance Assistance Program) — a free counseling service available in all 50 states. SHIP counselors are trained, unbiased, and do not earn commissions, making them the most objective resource for plan comparisons.
📅 Open Enrollment: Oct 15–Dec 7 each year
🔍 Plan Finder: medicare.gov/plan-compare
🌐 SS plan finder: silversneakers.com/eligible-plans
📞 Free plan comparison help: shiphelp.org
I’m on Medigap Plan G — does it include SilverSneakers?
PLAN G · MEDIGAP · COVERAGE
Plan G does not automatically include SilverSneakers — it depends entirely on which insurance company is selling you the Plan G, not the plan letter itself. Medigap plan letters (A, B, C, D, F, G, K, L, M, N) standardize what Medicare out-of-pocket costs the plan helps cover. They do not determine supplemental wellness benefits like SilverSneakers. Two seniors on Plan G — one with Company A, one with Company B in the same ZIP code — may have completely different SilverSneakers eligibility based solely on which insurer they chose. To check: call your Plan G insurance company and ask specifically, “Does my Plan G include SilverSneakers or any fitness program benefit?” Alternatively, enter your insurance information at silversneakers.com. Some Medigap insurers — particularly in states like Alabama, Arizona, Florida, Georgia, Illinois, Mississippi, and Texas — offer SilverSneakers as part of their Medigap plans. Humana notably does not include SilverSneakers in its Medigap plans even though it does in its Medicare Advantage plans. Plan G’s main disadvantage beyond the SilverSneakers question is that it does not cover the Medicare Part B annual deductible (currently around $257/year), which is the only significant out-of-pocket gap in Plan G’s coverage. For most seniors, Plan G still provides near-total cost coverage for medical care, making it the most popular comprehensive Medigap option available to new enrollees today.
✅ Plan G + SilverSneakers: depends on your insurer, not the letter
📞 Call your Plan G insurer directly — ask about fitness benefits
⚠️ Humana Plan G: does NOT include SilverSneakers
🌐 Check at silversneakers.com with your member ID
My gym was just dropped from SilverSneakers — what can I do?
GYM DROPPED · URGENT ACTION
If your gym was removed from the SilverSneakers network — as happened to roughly 7,800 Blue Cross Blue Shield of Minnesota members at the YMCA and Life Time Fitness at the start of 2026 — you have three real options. First, find an alternative participating gym: use the SilverSneakers GO app or silversneakers.com location finder to see what other gyms near you are still in the network. The program includes 15,000+ locations — there may be another participating gym, community center, or recreation facility within a reasonable distance. Second, ask your insurer directly whether a Special Enrollment Period applies — in some cases, a significant mid-year change to your plan’s benefit structure may trigger a right to change plans outside the normal enrollment window. Third, if the gym you lost is critical to you and you cannot find an acceptable alternative, consider switching plans during the next Open Enrollment period (October 15–December 7) to a plan whose SilverSneakers network includes your preferred gym. Before switching, verify the gym’s network participation by name at the enrollment page — not just by carrier. A gym that participates in SilverSneakers nationally may not be contracted at every individual location. The SHIP helpline (shiphelp.org) can also advise on your rights when plan benefits change unexpectedly.
📱 Find nearby gyms: SilverSneakers GO app or silversneakers.com
📞 Call your insurer: ask about Special Enrollment Period rights
📅 Switch options: Open Enrollment Oct 15–Dec 7
🆓 Free guidance: shiphelp.org or call 1-800-677-1116
Who actually pays for SilverSneakers — is there a catch?
WHO PAYS · THE REAL STORY
Your insurance carrier pays Tivity Health (SilverSneakers’ parent company) a per-member fee to include SilverSneakers as a benefit — there is no catch, but there are important limits to understand. The carrier negotiates a contract with Tivity Health and pays based on the number of members enrolled in plans that include the benefit. From your perspective as the member, the gym access is genuinely free — you show your SilverSneakers membership card at the gym and walk in, with no swipe fee, no check-in charge, and no per-class fee for included classes. The limits: some classes at participating gyms are not included under SilverSneakers (personal training, premium specialty classes, spa services, premium pools at high-end gyms). The specific amenities available vary by location — a basic SilverSneakers gym may include equipment and one group class format, while a YMCA may include pools, racquetball, and multiple class types. There is also a practical reality: not every gym that displays “SilverSneakers accepted” is equally well-equipped or welcoming to seniors. It’s worth visiting a gym before committing to a plan based on that gym’s participation. The 88% of SilverSneakers members who report improved quality of life comes from the combination of physical activity and the social connection the program builds — that community aspect is frequently cited as the benefit members value most, more than the gym equipment itself.
💰 Who pays: your insurance carrier pays Tivity Health
✅ Your cost: $0 — no per-visit or per-class fees
⚠️ Not included: personal training, premium specialty classes
📱 Verify amenities at silversneakers.com before choosing plan
I have low mobility or a chronic condition — is SilverSneakers still right for me?
MOBILITY LIMITS · CHRONIC CONDITIONS
SilverSneakers was specifically designed with older adults’ health realities in mind — including mobility limitations, chronic pain, heart disease, diabetes, and arthritis — and many of its most popular classes are adaptable to seated or limited-range-of-motion participation. The signature SilverSneakers Classic circuit class uses chairs for support throughout. The SilverSneakers Boom Move class is seated and focused on coordination and range of motion. Water aerobics at participating YMCA and recreation center pools provides a low-impact, joint-friendly workout that many seniors with arthritis or joint replacement find more comfortable than floor-based exercise. Online programs — SilverSneakers LIVE and On-Demand — include chair yoga, gentle stretching, seated strength, and balance videos that can be done from home without any equipment and without going to a gym at all. This matters particularly for seniors who are homebound part of the year, recovering from a procedure, or live in rural areas far from participating gyms. The evidence for exercise in managing chronic conditions is strong: research consistently shows that regular moderate physical activity reduces falls, improves blood glucose management, lowers blood pressure, and reduces depression in older adults. The SilverSneakers FLEX program — free community classes at parks, churches, libraries, and senior centers — is specifically designed to bring this benefit to seniors who face barriers to traditional gym access.
🪑 Chair-based classes: SilverSneakers Classic, Boom Move
💧 Water aerobics: low-impact, joint-friendly at YMCAs
🏠 Home workouts: LIVE & On-Demand — no gym needed
🌳 FLEX classes: parks, churches, libraries — free, no gym
📍 Find SilverSneakers Gyms and Medicare Help Near You
Use the buttons below to locate SilverSneakers-participating gyms, YMCA locations, Medicare Advantage plan advisors, and free SHIP counselors near you. Always verify gym participation through the SilverSneakers app before visiting for the first time.
🔑 Quick Reference — Key Links & Contacts
✅ Check eligibility: silversneakers.com
📱 SilverSneakers GO app: App Store / Google Play
🔍 Plan finder: medicare.gov/plan-compare
📞 Medicare helpline: 1-800-633-4227 (TTY: 877-486-2048)
🆓 Free plan help: shiphelp.org
📞 SHIP counselors: 1-800-677-1116
🏥 Aetna Medicare: aetna.com/medicare
🏥 Humana Medicare: humana.com/medicare
🔄 Renew Active (UHC): renew-active.com
🌳 FLEX class finder: silversneakers.com/find-classes
✅ 5-Step Checklist to Get SilverSneakers Access
- Step 1: Check your current eligibility at silversneakers.com using your insurance member ID and date of birth. This takes 90 seconds and gives a definitive yes or no for your specific plan. If yes, download the GO app and find participating gyms near you.
- Step 2: If your current plan does not include SilverSneakers, check whether you have a Medicare Advantage plan or a Medigap plan. If Medicare Advantage, Open Enrollment (October 15–December 7) is your window to switch to a plan that includes it. If Medigap, call your insurer to ask whether SilverSneakers can be added.
- Step 3: Before switching plans for SilverSneakers, compare the full plan — not just the fitness benefit. A plan with SilverSneakers that has worse drug coverage or higher copays for your regular doctors may cost you far more overall than your current plan without the fitness benefit.
- Step 4: Verify at the start of every new plan year that your gym is still in the SilverSneakers network. Open the app or visit silversneakers.com location finder each January to confirm — gym participation can change even when the plan benefit itself stays the same.
- Step 5: If SilverSneakers is not available through your plan and you cannot switch, contact your local senior center, YMCA, or parks department for income-based or free fitness classes for seniors in your community. Many areas also offer SilverSneakers FLEX classes at no cost through community organizations — find them at silversneakers.com/find-classes.
SilverSneakers availability, participating gyms, and plan inclusion vary by insurance carrier, plan type, and county — and can change at each plan year. Information in this guide reflects currently available data and is intended for general educational purposes only. Always verify your specific plan’s benefits using the SilverSneakers eligibility tool at silversneakers.com or by contacting your insurance carrier directly. This page has no affiliation with Tivity Health, SilverSneakers, or any insurance carrier mentioned. For free, unbiased Medicare plan comparison assistance, contact your State Health Insurance Assistance Program (SHIP) at shiphelp.org.