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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, 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.

Humana offers a zero premium Medicare Part C plan in certain areas of the country designed for TriCare for Life members that includes SilverSneakers.  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.

In 2019, 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 $40/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 Essential 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 Essential- Includes $250/year Vision benefit for glasses

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


REST OF TEXAS – UnitedHealthcare Essential- 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 Essential- Includes $50/month Medicare Part B credit.

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– Available in the entire state and includes $50/month Medicare Part B credit.


UnitedHealthcare Essential– 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.

NORTH CAROLINA – UnitedHealthcare Essential- Includes 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


SOUTH CAROLINA- UnitedHealthcare Essential 

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.

Florida- Humana offers a zero premium Medicare Advantage plan without drug coverage that includes SilverSneakers in the entire state of Florida.

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 $20/month Medicare Part B credit, $2000 year dental coverage and vision.

Virginia– Humana has a zero premium plan that includes $1000 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. Available in Bernalillo, Catron, Chaves, Cibola, Colfax, Curry, Dona Ana, Eddy, Grant, Grant, Lea, Lincoln, Los Alamas, Luna, McKinley, Otero, Rio Arriba, San Juan, San Miguel, Sandoval, Sante Fe, Sierra, Taos, Torrance and Valencia counties.

Ohio/ Indiana– Humana has a zero premium plan with a $40/month Medicare Part B credit, $2000 year dental coverage and vision.

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

Iowa– Humana available in most of the state with $20 month credit for Medicare Part B premium, vision and $1000 year dental coverage.

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

Oregon– Humana plan available in these counties- Benton, Clackamas, Columbia, Crook, Deschutes, Hood River, Jefferson, Lincoln, Linn, Malheur, Multnomah and Washington. Includes $1000 year dental coverage and vision.

Washington– Humana plan available in these counties- Clark, Cowlitz, Island, King, Kitsap, Kittitas, Pierce, Skagit, Snohomish, Spokane, Thurston, Walla Walla and Whatcom. Includes $1000 year dental coverage and vision.

Kentucky– Humana offers a plan that includes $2000 dental and vision.

West Virginia– Humana offers a plan that includes $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 Alabama, Arkansas, Arizona, Florida, California, Colorado, Georgia, Kansas, Kentucky, Idaho, Indiana, Iowa, Louisiana, Pennsylvania, Oklahoma, Michigan, Missouri, New Mexico, North Carolina, Ohio, Oregon, South Carolina, Tennessee, Texas, Virginia, West Virginia and Washington.

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.

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You can also use the “Live Chat” at the bottom of the page, 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.