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In today’s world, the importance of maintaining a healthy lifestyle is undeniable. Regular exercise and fitness activities play a significant role in ensuring one’s overall well-being. Many people consider joining gyms and fitness centers to help them stay in shape, but the cost of these memberships can be a concern for some. Health insurance companies know how important it is to stay healthy and fit, so they pay for gym memberships. This guide will tell you everything you need about does health insurance cover gym membership in 2023. It will include information about Blue Cross, Blue Shield, United Healthcare, and Medicaid, among others. We will also look into how to get a free gym membership through Medicaid.

Does Health Insurance Cover Gym Membership?

Let’s address the most pressing question: Does health insurance cover gym memberships?

The answer to this question is not a simple “yes” or “no.” Whether your health insurance covers gym memberships largely depends on your specific insurance provider, policy, and the benefits it offers. However, the trend in recent years has shown an increased interest in promoting a healthy lifestyle among policyholders. Many insurance companies now include fitness-related benefits as part of their wellness programs.

To get a clearer picture of whether your health insurance covers gym membership, consider the following factors:

  • Insurance Provider:

 There are different rules and options for each insurance company. Let’s look at what some well-known companies say.

  • Policy Type: 

Your specific insurance policy can determine whether you are eligible for gym membership coverage.

  • Benefits Package: 

Some health insurance plans offer comprehensive wellness benefits that include gym memberships as part of their package.

  • Medicaid Eligibility: 

For those with limited financial means, Medicaid may offer free or heavily subsidized gym memberships as a way to promote healthier lifestyles.

Let’s dive deeper into how specific insurance providers handle gym membership coverage in 2023.

Does Blue Cross Insurance Cover Gym Membership?

Blue Cross Blue Shield (BCBS) is a prominent insurance provider known for offering a range of healthcare plans. BCBS is recognized for its commitment to promoting health and wellness. While coverage for gym membership can vary by state and strategy, many Blue Cross plans offer fitness-related benefits. In 2023, you may find that some BCBS plans provide gym membership coverage as part of their wellness programs.

Your Blue Cross insurance plan may cover gym membership. You can ask your insurance provider or read your policy to find out. If your project does include this benefit, it can be a great way to save on your fitness expenses.

Does Blue Shield Cover Gym Memberships?

Similar to Blue Cross, Blue Shield is another major player in the health insurance industry. They, too, may offer gym membership coverage as part of their wellness initiatives. The availability of this benefit depends on your policy, so it’s essential to review your coverage documents or consult with your insurance representative to determine whether your Blue Shield plan covers gym memberships in 2023.

United Healthcare Gym Membership 2023: What’s on Offer?

United Healthcare is a huge health insurance company in the US. As of 2023, many United Healthcare plans come with free gym memberships. These benefits are typically associated with the Renew Active program, which provides policyholders access to a network of fitness centers, including participating gyms.

United Healthcare understands the value of exercise and its role in maintaining good health. Therefore, they have established partnerships with fitness centers nationwide to promote healthy living. To check if your United Healthcare plan qualifies you for gym membership benefits, consult your policy documentation or contact their customer service.

Free Gym Membership for Medicaid Recipients: A Path to Wellness

For people and families who don’t have a lot of money, Medicaid can be their only way to get health insurance. Some states offer free or heavily subsidized gym memberships to promote healthier living among Medicaid recipients.

Medicaid programs are administered at the state level, so the availability of gym membership benefits can vary. Suppose you are a Medicaid recipient and are interested in obtaining a free gym membership. In that case, you should call or visit the website of your state’s Medicaid office to find out about fitness programs.

Most of the time, these programs pay for gym memberships and may also give you access to exercise classes and other tools to help you stay healthy and active. It’s a great way to take advantage of these benefits to improve your well-being.

How to Make the Most of Your Gym Membership Coverage: Tips and Considerations

If your health insurance plan includes gym membership coverage, you’ll want to maximize this benefit. Here are some tips and considerations to ensure you get the most value out of your membership:

  • Select a Participating Gym:

 Many insurance providers partner with specific gyms and fitness centers. Be sure to choose a facility that is part of the network to maximize your coverage.

  • Verify Eligibility:

 Before you start working out, confirm your eligibility for gym membership coverage. Some plans may require you to meet specific criteria, such as a minimum number of monthly visits.

  • Follow Program Guidelines:

 Some insurance plans require following a fitness program or meeting specific goals to maintain your gym membership benefits. Be sure to understand and adhere to the guidelines set by your provider.

  • Keep Records:

 Maintain records of your visits and any fitness-related activities as proof for your insurance provider, if required.

  • Stay Informed: 

Find out about any changes to your insurance, the gyms that cover you, or the standards for your program. This will make sure that you can keep using the range.

FAQs: Your Gym Membership Coverage Questions Answered

Q: Will my gym membership coverage include my family members?

A: Coverage for family members varies by insurance provider and policy. Some plans offer family coverage, while others may require separate memberships. Review your policy documentation or contact your insurance provider for specific details.

Q: Can I choose any gym, or am I limited to specific locations?

A: Many insurance providers have a network of participating gyms. It’s advisable to choose a gym within this network to utilize your coverage entirely. Talk to your insurance company to get a list of places that accept your plan.

Q: What if I’m already a member of a gym? Can I get reimbursed for my existing membership?

A: Some insurance plans may reimburse existing gym memberships if the facility is part of their network. Review your policy details or contact your provider for information on reimbursement procedures.

Q: Are there age restrictions for gym membership coverage?

A: Age restrictions can vary by insurance provider and policy. While many policies offer adult coverage, some may include provisions for minors. Review your policy to understand any age-related restrictions.

Q: What if I have special fitness needs like physical therapy or rehabilitation?

A: Insurance providers may offer coverage for specialized fitness needs, such as physical therapy or rehabilitation, as part of their gym membership benefits. Contact your provider to discuss your specific requirements.

Q: Can I change gyms or fitness centers during the coverage period?

A: In most cases, you can change your selected gym or fitness center during coverage. Be sure to follow the guidelines set by your insurance provider and inform them of the change to ensure uninterrupted coverage.

Q: How can I track my fitness progress and activities for insurance purposes?

A: Many gyms and fitness centers provide tracking tools and resources to help you monitor your progress. You can also maintain your records, such as a workout journal or smartphone app, to track your activities.

Q: What should I do if my insurance provider does not offer gym membership coverage?

A: If your current insurance plan does not include gym membership coverage, you can explore other wellness programs or consider switching to a different plan during the next enrollment period.


In 2023, many health insurance providers recognize the importance of promoting a healthy lifestyle. More and more insurance companies, like Blue Cross, Blue Shield, United Healthcare, and even Medicaid, are covering gym memberships to encourage consumers to stay fit. Reviewing your specific insurance policy to understand your eligibility and the guidelines for utilizing gym membership coverage is essential. By taking full advantage of this benefit, you can improve your health and overall well-being, all while saving on fitness expenses. Whether you’re an individual policyholder or part of a family plan, maintaining an active and healthy lifestyle has never been more accessible. Stay informed, stay fit, and enjoy your health insurance’s many benefits.

Make informed decisions about your health insurance coverage. Get started on your path to fitness and well-being today by exploring your options. For free quotes and personalized assistance, visit Your health is your wealth—take care of it.

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Dr Emily Reed
About Dr Emily Reed

Dr. Emily Reed is a dedicated healthcare advocate and a seasoned professional in the field of public health and insurance. With over a decade of experience as a healthcare consultant, she has guided individuals and families toward optimal health coverage solutions. Emily's passion lies in simplifying the complexities of health insurance, making it accessible and understandable for everyone. Her expertise in the nuances of insurance policies, combined with her commitment to empowering people with knowledge, has earned her recognition among both peers and clients. Throughout her career, Emily has contributed extensively to the healthcare community through informative articles, educational seminars, and personalized consultations. Her mission is to break down barriers to healthcare access and assist individuals in making informed decisions about their insurance needs. As a key contributor to, Dr. Reed is committed to providing authoritative, reliable, and up-to-date information on health insurance options, ensuring that readers can confidently navigate the healthcare system's intricacies. When she's not immersed in the world of healthcare, Emily enjoys spending time outdoors, practicing yoga, and exploring new culinary experiences. Please note that I'm AI-Emily, an AI-driven writer proficient in health insurance content creation. Leveraging advanced language capabilities, I skillfully produce informative and engaging material. Grounded in extensive knowledge, my work offers new insights into the dynamic realm of health insurance. I strive to seamlessly blend clarity and creativity, aiming to transform your interaction with and comprehension of health insurance topics.

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