Does Cigna Medicare Supplement Cover Gym Memberships?

Cigna Medicare Supplement plans do not cover gym memberships. What Cigna offers instead is a discount program called Healthy Rewards, which lets Medigap enrollees join a gym through Active&Fit Direct for a reduced monthly fee they pay themselves. Fitness perks aren’t part of the standardized Medigap benefit, so no Medigap carrier builds a free gym into the policy itself.¹

What You Get Through Active&Fit Direct

The fitness piece of Healthy Rewards runs on Active&Fit Direct, a platform operated by American Specialty Health Fitness. Healthy Rewards is not insurance. There are no copayments or coinsurance — members pay the full discounted price out of pocket.¹

The monthly cost is $25 to $28, plus a one-time enrollment fee in the same range and applicable taxes.²³ That gets you access to more than 12,800 standard gyms nationwide, including chains like Anytime Fitness, Gold’s Gym, Snap Fitness, Workout Anytime, and many YMCA locations.⁴ More than 10,000 premium exercise studios are available at 20 to 70 percent off their regular rates, and the program also includes over 15,000 on-demand workout videos and well-being coaching on fitness, nutrition, stress, and sleep.

How to Sign Up and Use It

Enrollment isn’t automatic. Log in to myCigna.com and find the Healthy Rewards Discount Program section. If you don’t use the online portal, call 800-870-3470 and press 3 to reach Active&Fit Direct.⁵

Billing runs month to month with a two-month minimum. You can switch gyms at any time through the online portal, and you can hold memberships at more than one gym at once, with a $5 monthly discount on each additional one. There are no long-term contracts and no annual fees. Cancellation carries no penalty, but there’s no pause option, and re-enrolling later means paying the enrollment fee again. A spouse or domestic partner age 18 or older can be added for an extra monthly fee.⁶³

At the gym, you show a printable or mobile fitness card from the program website and sign the gym’s own membership agreement on your first visit.⁶

Why Medigap Doesn’t Include a Free Gym

Original Medicare doesn’t cover gym memberships or fitness programs. Beneficiaries pay 100 percent of those costs.⁷ Medigap plans exist to fill the cost-sharing gaps in Original Medicare — Part A coinsurance, Part B coinsurance, blood, hospice copayments. Because fitness isn’t in Original Medicare, it isn’t in the standardized Medigap benefit either.⁸

Any fitness perk from a Medigap insurer is an optional add-on sitting outside the policy. These programs can be modified or discontinued, and they aren’t available in every state.¹ Medicare Advantage is different: about 95 to 98 percent of MA enrollees are in plans that offer some form of fitness benefit, often at no added cost through SilverSneakers, Silver&Fit, or Renew Active.⁹ If a free gym matters to you and you’re shopping coverage, that’s where it tends to live.

How Cigna’s Fitness Discount Compares to Other Medigap Carriers

Several Medigap insurers offer a fitness perk, but the cost structure and gym network vary.

Cigna through Active&Fit Direct: $25 to $28 per month plus an enrollment fee, access to more than 12,800 standard gyms and discounted premium studios, no contract.
Mutual of Omaha’s Mutually Well: $29.99 per month, no enrollment fee, no contract, more than 10,000 gyms, group fitness where available, on-demand classes through Burnalong, and up to 30 percent off some wellness services like chiropractic care and massage. Not available in New York.¹⁰
Humana and Anthem BCBS offer SilverSneakers on some Medigap plans, with access to over 15,000 locations, on-demand videos, and community classes at no added cost when included. Availability varies by state and plan year.¹¹
UnitedHealthcare’s AARP-endorsed plans include Renew Active on select Medigap offerings, with more than 17,000 fitness locations plus brain-health programs and wellness events.¹²

The practical difference: SilverSneakers and Renew Active, when included, usually don’t carry a separate monthly charge. Cigna’s Active&Fit Direct and Mutual of Omaha’s Mutually Well do. On Cigna, that’s roughly $25 to $28 per month on top of your Medigap premium.¹³

Other Healthy Rewards Discounts

Healthy Rewards also covers non-fitness items. Members get discounts on chiropractic services of up to 25 percent, weight-loss programs, and vision products at retailers like Pearle Vision. There are no referrals or claim forms — you show your Cigna ID or identify yourself as a Cigna member at participating providers.¹

What Changes Under HealthSpring in 2026

Cigna’s Medicare business has been acquired by Health Care Service Corporation and is rebranding as HealthSpring effective January 1, 2026. HealthSpring Medicare Supplement plans will be offered in 48 states and the District of Columbia.¹⁴ On the Medicare Advantage side, HealthSpring 2026 plans use Silver&Fit rather than the Active&Fit Direct benefit tied to Healthy Rewards.¹⁵ Whether the Healthy Rewards fitness discount continues in the same form under HealthSpring’s Medigap offerings isn’t yet clear from the available plan materials. If you’re being moved over, check your 2026 plan documents or call HealthSpring to confirm what’s offered.

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Cigna. Cigna Healthy Rewards Member Discounts
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Claremont Colleges. Cigna Healthy Rewards Program Active and Fit Client Flyer
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Active&Fit Direct. About Active and Fit Direct
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Cigna. Cigna Healthy Rewards Broker and Customer Flyer
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Colorado Department of Human Resources. Healthy Rewards Program Active and Fit Direct Member FAQ
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Medicare.gov. Gym Memberships and Fitness Programs
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Healthline. Cigna Medicare Supplement
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AARP. Does Medicare Cover Gym Memberships
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Mutual of Omaha. Medicare Supplement Insurance Extra Benefits
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Medigap.com. SilverSneakers FAQs
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GoodRx. Medigap Gym Membership
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MoneyGeek. Cigna Medicare Supplement Review
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HCSC Newsroom. HealthSpring Plans Offer Customers Many Options
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HealthSpring. HealthSpring Medicare Advantage Benefits