Fitness benefits give members free or subsidized access to gyms and exercise programs. The two most common programs are SilverSneakers (Tivity Health) and Silver&Fit.

With a fitness benefit you get free membership at thousands of participating gyms including national chains, access to on-demand workout videos and virtual classes, and fitness kits for home exercise.

If you're already paying for a gym membership, a plan with SilverSneakers or Silver&Fit could save you $300–$600/year. Regular exercise reduces falls, improves cardiovascular health, and supports mental wellbeing for Medicare-age beneficiaries.