Staying Active After 65: Low-Impact Exercises Covered by Medicare
Staying active is one of the single best things you can do for your health after 65. Regular exercise reduces your risk of falls, strengthens your heart, eases joint pain, and even sharpens your mind. And here's the part most people don't realize: Medicare may actually help cover your fitness costs. Let's talk about the best exercises for seniors and how to take advantage of those benefits.
Why Exercise Matters After 65
- Reduces the risk of heart disease, stroke, type 2 diabetes, and certain cancers
- Improves balance and coordination, which helps prevent falls (a leading cause of injury in seniors)
- Strengthens bones and muscles, slowing the effects of osteoporosis and sarcopenia
- Boosts mental health by reducing anxiety, depression, and cognitive decline
- Helps manage chronic conditions like arthritis, high blood pressure, and diabetes
- The CDC recommends at least 150 minutes of moderate activity per week for older adults
SilverSneakers and Medicare Fitness Benefits
- SilverSneakers is a free fitness program included with many Medicare Advantage and Medigap plans
- Provides access to thousands of gyms, fitness centers, and community classes nationwide
- Includes group fitness classes designed specifically for seniors
- Also offers on-demand workout videos and a home fitness kit for those who prefer exercising at home
- Renew Active (through UnitedHealthcare) and One Pass (through Aetna) are similar programs
- Check with your plan to see which fitness benefit is included -- it varies by insurer
5 Best Low-Impact Exercises for Seniors
- Walking: Free, easy to start, and proven to improve cardiovascular health and mood. Aim for 30 minutes a day.
- Swimming and water aerobics: Gentle on joints, great for arthritis sufferers, and provides full-body resistance training
- Yoga: Improves flexibility, balance, and stress management. Chair yoga is a great option for those with mobility limitations.
- Tai chi: Slow, flowing movements that improve balance, reduce fall risk, and calm the mind. Often available through SilverSneakers.
- Stationary cycling: Low impact on knees and hips while building leg strength and cardiovascular endurance
How to Start Safely
- Talk to your doctor before starting any new exercise program, especially if you have chronic conditions
- Start slow -- even 10 minutes a day makes a difference and you can build from there
- Warm up before exercising and cool down afterward to prevent injury
- Stay hydrated and exercise during cooler parts of the day in hot weather
- Use proper footwear with good support and non-slip soles
- Listen to your body -- some soreness is normal, but sharp pain means stop
Exercise Equipment Covered by Medicare
- Medicare Part B covers durable medical equipment (DME) prescribed by your doctor
- This can include items like walkers, canes, and in some cases, home exercise equipment for rehabilitation
- Medicare Advantage plans may offer additional fitness-related benefits like gym memberships and fitness trackers
- Physical therapy and occupational therapy are covered under Part B when medically necessary
- Some plans cover cardiac rehabilitation and pulmonary rehabilitation exercise programs
- Always get a prescription and prior authorization when required to ensure coverage
Need Help?
Exercise is powerful medicine, and the right Medicare plan can help you access fitness programs and equipment at no extra cost. At Insuras Health Benefits, we help you find plans that include SilverSneakers, Renew Active, and other fitness perks so you can stay active without breaking the bank.
Curious about your fitness benefits? Contact us for a free plan review -- we'll show you what's included in your coverage.