Does Medicare cover it? A to Z
Does Medicare cover gym memberships?
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Short answer
Not covered by Original Medicare
Original Medicare (Part A and Part B) doesn't cover gym memberships or fitness programs, so you pay all costs for them yourself.
Gym memberships and fitness programs may be part of the extra coverage offered by some Medicare Advantage plans, other Medicare health plans or Medicare Supplement Insurance (Medigap) plans, and Medicare.gov says to call your plan to see if it covers them.
Medicare Part B covers a yearly Wellness visit once every 12 months, at no cost if your provider accepts assignment, and the Medicare Wellness visit can include an optional physical activity and nutrition risk assessment.
| Fact | Figure | Source |
|---|---|---|
| Gym memberships | Not covered by Original Medicare: you pay all costs | Medicare.gov |
| Fitness programs | Not covered by Original Medicare: you pay all costs | Medicare.gov |
| Medicare Advantage, other Medicare health plans, Medigap | May include gym or fitness benefits as extra coverage; call the plan | Medicare.gov |
| Yearly Wellness visit (Part B) | Once every 12 months; $0 if your provider accepts assignment | Medicare.gov |
| Physical activity and nutrition risk assessment | Optional part of the yearly Wellness visit | Medicare.gov |
| Other Part B prevention programs | Obesity behavioral therapy, Medicare Diabetes Prevention Program, medical nutrition therapy | Medicare.gov |
Does Medicare pay for a gym membership?
No. Original Medicare doesn't cover gym memberships or fitness programs, and you pay all costs for non-covered services, including gym memberships and fitness programs. If you need items or services that Part A or Part B don't cover, you pay for them yourself unless other coverage you have pays for them.
Can a Medicare Advantage or Medigap plan cover a gym membership?
Sometimes. Gym memberships or fitness programs may be part of the extra coverage offered by Medicare Advantage Plans, other Medicare health plans, or Medicare Supplement Insurance (Medigap) plans. If you have one of these plans, call the plan to see if it covers gym memberships or fitness programs.
Medicare Advantage plans must cover what Original Medicare covers, and some offer extra benefits; rules and costs vary by plan. You can compare plans on Medicare.gov. See how Medicare Advantage extra benefits work.
What does Medicare cover to help me stay healthy?
Medicare Part B covers preventive and screening services, including exams, vaccines, lab tests and screenings, plus programs for health monitoring and counseling and education to help you take care of your own health. You pay nothing for most preventive services if your provider accepts assignment. Part B preventive services include:
- The "Welcome to Medicare" preventive visit and the yearly Wellness visit
- Obesity behavioral therapy
- The Medicare Diabetes Prevention Program
- Medical nutrition therapy services
- Cardiovascular disease behavioral therapy
What happens at the Medicare yearly Wellness visit?
The yearly Wellness visit is a conversation-based visit with your provider to develop or update a personalized prevention plan; it isn't a routine physical exam. Your provider takes routine measurements like height, weight and blood pressure, gives you health advice, reviews your prescriptions, and gives you a written plan of the screenings, vaccines and other preventive services you need. Your provider can also give you an optional physical activity and nutrition risk assessment to understand your activity and eating habits and their impact on your health.
Part B covers the visit once every 12 months, and the Part B deductible doesn't apply. Your first yearly Wellness visit can't take place within 12 months of your Part B enrollment or your "Welcome to Medicare" preventive visit. If your provider does other tests or services during the same visit that this benefit doesn't cover, you may pay coinsurance, and the Part B deductible may apply. See Does Medicare cover an annual physical?.
Good to know
More questions people ask
Does Medicare cover fitness classes?
Does Medigap cover gym memberships?
Is the Medicare yearly Wellness visit a physical exam?
What do I pay for a gym membership with Original Medicare?
Related questions
- Medicare.gov: Gym memberships and fitness programs
- Medicare.gov: Yearly "Wellness" visits
- Medicare.gov: Preventive and screening services
- Medicare.gov: What's not covered?
- Medicare.gov: Compare Original Medicare and Medicare Advantage
Figures are Medicare’s, set nationally, and were checked against these pages on October 2026. For your own situation, contact Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048).
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This page was last updated: October 2026.