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Does TriCare for Life include Silver Sneakers in Texas?




Neither Medicare, nor TriCare for Life include SilverSneakers. However, depending on where you live, there might be options for you to enroll in a zero premium Medicare Part C plan, also called Medicare Advantage plans, designed for veterans that includes SilverSneakers.   


TriCare for Life is, in my opinion, the most comprehensive coverage available because it pays 100% of all co-pays and coinsurance, not covered by your Medicare plan (original Medicare or Medicare Part C).  TriCare for Life also includes drug coverage that is superior to Medicare Part D. TriCare for Life remains secondary, regardless if you stay on original Medicare, or enroll in a Medicare Part C plan. Also, enrolling in a Medicare Advantage plan will never interfere with medical care you receive “on base” or at the VA.

The Humana Honor Plan is a zero premium Medicare Part C plan designed for Veterans and TriCare for Life members that includes SilverSneakers, vision, dental and includes a monthly credit for some of your Part B premium every month.  These plans are not a HMO, but instead are a PPO (Preferred Provider Organizations) which means you do not need a referral to see a specialist and you can see any doctor that accepts Humana, nationwide. The Humana Honor Plan also does NOT include Part D drug coverage because you already have great drug coverage with Express Scripts.


In 2020, there are over 22 million clients on Medicare Advantage Plans. Medicare Part C Plans (Medicare Advantage plans) are required to provide the same level of coverage as original Medicare Part A and B, but can also include additional benefits like dental, vision, hearing and SilverSneakers. Basically they give clients another option. The Humana plan is a zero premium plan which means you can enroll without any additional premium.  How is that possible?  Because you are just choosing another way to receive your Medicare benefits and Medicare pays Humana every month that you are enrolled in the plan.



SilverSneakers gym membership allows you unlimited access to over 16,000 locations nationwide including 24 Hour Fitness, LA Fitness, YMCA, Golds Gym, Anytime Fitness, Curves, local recreation centers and many others. Some clients go to several clubs, not just one. For instance, my mom goes to one club for water aerobics and another gym because she likes to walk on the track. You can go to and click on “Find Locations” tab, then enter your zip code and it will list all of the gyms closest to your home that accept SilverSneakers.



Humana – Texas- Includes $30/month Medicare Part B credit- 

Available in these counties- Anderson, Aransas, Armstrong, Atascosa, Bandera, Bastrop, Bee, Bell, Bexar, Bosque, Brazoria, Brazos, Brooks, Burleson, Burnet, Caldwell, Calhoun, Callahan, Cameron, Camp, Carson, Chambers, Cherokee, Coleman, Collin, Colorado, Comal, Comanche, Cooke, Coryell, Dallas, Dawson, Deaf Smith, Delta, Denton, Dimmit, Eastland, Ector, Edwards, El Paso, Ellis, Erath, Falls, Fannin, Fayette, Fort Bend, Franklin, Frio, Galveston, Gray, Grayson, Gregg, Grimes, Guadalupe, Hamilton, Hardin, Harris, Harrison, Hays, Henderson, Hidalgo, Hill, Hood, Howard, Hudspeth, Hunt, Jefferson, Jim Wells, Johnson, Jones, Karnes, Kaufman, Kendall, Kenedy, Kerr, Kinney, Kleberg, Lampasas, Lee, Leon, Liberty, Live Oak, Llano,Lubbock, Marion, Martin, Matagorda, Maverick, McLennan, Medina, Midland, Milam, Montgomery, Morris, Navarro, Nueces, Orange, Palo Pinto, Panola, Parker, Polk, Potter, Randall, Real, Refugio, Robertson, Rockwall, Rusk, San Jacinto, San Patricia, Shackelford, Shelby, Smith, Tarrant, Taylor, Tom Green, Travis, Trinity, Tyler, Upshur, Uvalde, Van Zandt, Victoria, Walker, Waller, Washington, Webb, Wharton, Williamson, Wilson, Wise, Wood and Zavala.

DALLAS– UnitedHealthcare Patriot available in these counties.

Collin, Cooke, Dallas, Denton, Ellis, Fannin, Grayson, Hood, Hunt, Johnson, Kaufman, Parker, Rockwall, Tarrant, Van Zandt and Wise.


SAN ANTONIO – UnitedHealthcare Patriot- $50 Part B credit, dental and vision

Atascosa, Bandera, Bexar, Comal, Guadalupe, Kendall, Medina and Wilson counties.


REST OF TEXAS – UnitedHealthcare Patriot- Includes $250/year Vision Benefit for glasses

Aransas, Bastrop, Bell, Cameron, El Paso, Falls, Hays, Hidalgo, Hill, Kleberg, Maverick, McLennon, Nueces, San Patricio, Starr, Travis, Victoria, Webb, Willacy, Williamson and Zavala counties.



COLORADO- UnitedHealthcare Patriot- Includes $50/month Medicare Part B credit and dental $1000

Denver– Adams, Arapahoe, Boulder, Broomfield, Denver, Douglas, Jefferson

Colorado Springs– El Paso, Fremont, Larimer, Pueblo, Teller and Weld. $30/month Medicare Part B credit. 

Humana– $50/month Medicare Part B credit, vision and dental $2000.


UnitedHealthcare Patriot $25/month Part B credit– Kern, Los Angeles, Orange, Riverside, San Bernardino and San Diego

In Southern California, here are some of the Gyms you have access:

24 HR Fitness, LA Fitness, EOS, Crunch Fitness, Blink Fitness, YMCA, Golds Gym, Fitness 19, Chuze, Crunch Fitness, In-Shape, Curves, Anytime Fitness, Local Rec centers and more.

Nevada– Patriot Plan- $100 Part B credit and dental coverage $1000 year

NORTH CAROLINA – UnitedHealthcare Patriot- Includes $40/month Part B credit, Dental with $1000 year benefit.

Alamance, Alexander, Avery, Buncombe, Burke, Cabarrus, Caldwell, Caswell, Catawba, Chatham, Cherokee, Clay, Cleveland, Cumberland, Davidson, Davie, Durham, Forsyth, Franklin, Gaston, Graham, Granville, Guilford, Harnett, Haywood, Henderson, Iredell, Jackson, Johnston, Lee, Lincoln, Macon, Madison, McDowell, Mecklenburg, Mitchell, Nash, Orange, Person, Polk, Randolph, Richmond, Rockingham, Rowan, Rutherford, Sampson, Stokes, Swain, Transylvania, Union, Vance, Wake, Wayne, Wilkes, Wilson, Yadkin and Yancey counties.

Humana– available in the entire state of North Carolina. $50/month Part B credit


SOUTH CAROLINA- UnitedHealthcare Patriot-$30/month Part B credit 

Aiken, Beaufort, Berkeley, Calhoun, Charleston, Clarendon, Colleton, Dorchester, Georgetown, Horry, Lexington, Newberry, Orangeburg, Pickens, Richland, Sumter and Williamsburg

Humana– Available in the entire state of South Carolina and includes $50/month Part B premium credit and Dental.

Florida- Humana offers several plans depending on your county. $70-$144 Medicare Part B credit and dental.

Missouri/ Oklahoma – Humana offers a zero premium plan with a $40/month Medicare Part B credit, $2000 year dental coverage and vision.

Georgia- Humana offers a zero premium plan with a $50/month Medicare Part B credit, $2000 year dental coverage and vision.

Alabama/ Tennessee– Humana has a zero premium plan with $30/month Medicare Part B credit, $2000 year dental coverage and vision.

Virginia– Humana has a zero premium plan that includes $50/month Part B credit $2000 year dental coverage.

Arizona– Humana offers a zero premium plan with a $50/month Medicare Part B credit and $2000 year dental coverage.

New Mexico– Humana plan includes $50/ month Medicare Part B credit and $2000 dental coverage. 

Ohio/ Indiana– Humana has a zero premium plan with a $40/month Medicare Part B credit, $1000 year dental coverage and vision.

Michigan– Humana has a plan with $40/ month Medicare Part B credit,$1000 year dental coverage and vision.

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

Oregon/ ID/ WA-  Includes $1000 year dental coverage and vision.

Wisconsin- $30 Part B credit, vision and dental

Kentucky– Humana offers a plan that includes $55/ month Partr B credit, $2000 dental and vision.

West Virginia– Humana offers a plan that includes $55/ month Part B credit, $2000 dental and vision.

All Humana plans listed above are a PPO (Preferred Provider Organization) which means that you do NOT need a referral to see a specialist. The plans above that include a Medicare Part B credit means you’ll get that amount more a month in your Social security check.



              Blue Sky Medicare coverage map

My name is Steve Schrader, also known as “Medicare Steve”, I am a licensed agent for UnitedHealthcare and Humana Medicare Advantage plans in the states listed in red.

Call me anytime so that I can answer any questions you have about plans in your area. I can also email you more details about the plan if you’d prefer by calling or emailing me with your basic info= Name, Zip code, Email and phone number.

I can email you plan specifics if you click “Get 2021 Plan Info“. If you don’t want me to call you, 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 page, click on that to ask me any questions in real time. As an agent, I can also enroll you in a plan online if you decide to do so in the future and I’m available to you anytime you need me after enrollment.