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How to get SilverSneakers with TriCare for Life


SilverSneakers is a nationwide gym membership program designed to help Medicare clients stay fit. It is accepted at more than 16,000 locations including YMCA, 24 Hour Fitness, LA Fitness, Curves, YouFit, Local Rec centers, and many more. SilverSneakers is not included in Medicare Parts A and B, or with TriCare for Life. SilverSneakers is included in some Medicare Part C plans, also known as Medicare Advantage plans, which are offered by companies like Humana or UnitedHealthcare. You must have Medicare Parts A and B to enroll.


What is a Medicare Part C Plan?

Medicare Part C began in 2002, and has grown to over 23 Million members and growing every year. Medicare Part C plans are required to provide the same level of coverage as Medicare Part A and B, but are allowed to offer additional benefits such as Medicare Part B premium credit, dental, hearing, vision and SilverSneakers.

For most clients, the confusing part is that this plan is zero premium.  How is that possible? Because you paid into Medicare your whole life and also pay a premium every month for your Medicare Part B . Medicare pays Humana every month that you are enrolled in the plan. You are just deciding to receive your Medicare benefits with a company (Humana) that offers additional benefits that better fits your needs.

Humana Honor Plans and UnitedHealthcare Patriot Plans are specific Medicare Part C plans designed for veterans, which include benefits that Medicare Part A and B does not offer, such as SilverSneakers, dental coverage and a credit for a portion of your Medicare Part B premium. The credit amount varies from state to state, $50 a month ($600 year) is the most common. Your Medicare Part B premium is automatically deducted from your social security benefits each month. The premium for most clients is $144 a month. So your social security check INCREASES each month by the amount of the Medicare Part B credit. This credit is automatically credited to you each month, you do not have to submit any paperwork each month once you are enrolled in the plan.



TriCare for Life is, in my opinion, the most comprehensive medical coverage you can get because it pays all of the copays and coinsurance not covered by your Medicare plan (original Medicare Part A and B OR Medicare Part C) and includes drug coverage that is superior to regular Part D drug coverage.

TriCare for Life remains secondary, regardless if you stay on original Medicare A and B, or if you switch to Medicare Part C. TriCare for Life provides coverage in these ways:

Pays the 20% coinsurance and deductible, not covered by Medicare B  

Pays the Copays of Medicare Part C 

Provides excellent  prescription drug coverage


Humana Honor and UnitedHealthcare Patriot are a zero premium Medicare Part C plan without drug coverage in certain parts of the country, that is designed for TriCare for Life members, which includes SilverSneakers. It is important to enroll in a Medicare Part C plan WITHOUT drug coverage because you already have great drug coverage with Express Scripts.

The Humana Honor plan is not a HMO, but instead a PPO (Preferred Provider Organization) which means you do not need a referral to see a specialist, and you can see any doctor that accepts Humana nationwide. Most clients want to be able to continue to see their existing doctors. Most doctors that accept Medicare also accept Medicare Part C plans from the largest providers like Humana or UnitedHealthcare, but you should definitely check before enrolling.

Humana provides care for TriCare East members, and supports several Military groups including VFW and AMVETS. Enrolling in a Medicare Part C plan NEVER affects any care your receiving “on base” or at the VA.

Humana offers this plan in certain areas of the country with a high concentration of retired military such as Alabama, Arkansas, Arizona, Colorado, Texas, Oklahoma, Southern California, Florida, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, New Mexico, Nebraska, North Carolina, Ohio, Pennsylvania, South Carolina, Georgia, Tennessee, Virginia, West Virginia, Oregon and Washington. See the list below for more specifics

Humana offers a plan in these states, that includes SilverSneakers and these additional benefits:


Texas– $50 month Part B credit, vision and dental $2000 year

North Carolina– $50 month Part B credit, vision and dental

South Carolina– $50 month Part B credit, vision and dental $2000 year

Colorado– $50 month Part B credit, vision and dental $2000 year

Florida– $50-$144 month Medicare Part B credit (depending on your county), vision and dental.

Georgia- Humana available in the entire state with $50/month Medicare Part B credit, $2000 year dental benefit and vision.

Alabama/ Tennessee– Humana – $30/ Month credit and $2000 year dental coverage and vision.

Kentucky– $55/month Part B credit and dental.

LA- MS– $40 month Part B credit and $2000 dental and vision

Virginia– $50/ Part B credit, $1000 year dental benefit. .

Arizona/ New Mexico- $50/month Medicare Part B credit, $2000 year dental benefit and Acupuncture 0 copay 25 visits year.

Missouri- Oklahoma- Kansas- Arkansas- Humana available with a $40/month Medicare Part B credit, $1000 year dental benefit and vision.

Oregon– Humana plan available in these counties- Benton, Clackamas, Columbia, Crook, Deschutes, Hood River, Jefferson, Lincoln, Linn, Malheur, Multnomah and Washington.

Includes $1000 Dental benefit, Acupuncture 0 copay 25 visits a year

Washington– Humana plan available in these counties- Clark, Cowlitz, Island, King, Kitsap, Kittitas, Pierce, Skagit, Snohomish, Spokane, Thurston, Walla Walla and Whatcom.

Includes $1000 Dental benefit, Acupuncture 0 copay 25 visits a year

Ohio/ Indiana– $40/month Medicare Part B credit, $1000 year dental coverage and vision.

Idaho– Ada, Bannock, Bingham, Boise, Bonner, Bonneville, Canyon, Elmore, Gem, Kootenai, Owyhee, Payette and Washington counties. Includes $1000 dental benefit.

Iowa– Humana available in most of the state with $30/ month Medicare Part B credit, vision and $1000 year dental coverage

Michigan- $40/ month Medicare Part B credit, $1000 year dental coverage and vision.

Pennsylvania– $55 month Medicare Part B credit, $2500 dental and vision.

Nebraska– Omaha/ Lincoln metro- $30 month credit Part B, vision and dental $1000

West Virginia– $55/month Part B credit, $2000 dental and vision.


UnitedHealthcare offers the Patriot plan which includes RenewActive (similar to SilverSneakers) in the states listed below and these additional benefits.

California– $25 Part B credit

Colorado– $50 Part B credit, vision and dental

Arizona- $50 Part B credit, vision and dental

Florida– $50 Part B credit

Texas– $30 Part B credit

Oregon– $50 Part B credit and vision.


               Blue Sky Medicare Coverage map


My name is Steve Schrader, also known as “Medicare Steve”, I work exclusively in the Medicare market as an agent for Humana and UnitedHealthcare, and I am licensed in the red states in the map above. I am one of the few agents in the country that specializes in working with TriCare for Life members, helping them understand these type of plans. 

Give me a call at 303-501-3125 or I can email you more info about these plans by sending me an email that includes basic info about yourself = Name, Zip code, Email address and Phone number.

You can click on “Get 2021 Plan Info” tab above and I will email you the plan specifics in your area, typically within 5 minutes. I do not sell your info. If you you’d prefer not to provide your phone number, just enter 555-555-5555 in the phone field.

If I’m available at the time, you will see a “Chat Now” tab at the bottom of the screen, you can click on that to ask me any questions in real time. As an agent, I can enroll you in a plan if you decide to do so in the future and will always be available to you anytime you need me after enrollment.



Give me a call at 303-501-3125

or email