No, Blue Cross Blue Shield of Texas does not cover gym membership as a standard health insurance benefit. No BCBSTX medical plan pays for a gym the way it pays for an office visit or a prescription. What the insurer offers instead is a separate, member-paid discount program called Well onTarget, plus a stronger fitness benefit built into its Medicare Advantage plans and a free discount marketplace called Blue365.
The Well onTarget Fitness Program
Well onTarget is the main fitness offering for most BCBSTX members. It’s a discounted gym membership program, not insurance. The costs do not count toward your deductible, copay, or any benefit maximum, and joining does not affect your premium.1HealthSelect BCBSTX. Fitness Program Presentation You pay the full fee yourself.
The program is open to members with an HMO, point-of-service, or PPO plan, including marketplace enrollees, along with covered dependents aged 16 and up.2BCBSTX Connect. Reasons Why You Should Choose Blue3BCBSTX Connect. Blue Points for Marketplace Members Dependents aged 16 or 17 must go with a parent or guardian who is also enrolled.4BCBSTX. Fitness Program Flier The network is run by Tivity Health and covers more than 12,000 participating locations, including select Planet Fitness, 24 Hour Fitness, Crunch, EoS, Snap, Workout Anytime, and YMCA sites. Not every location of every chain is in the network.5Blue365 Deals. Tivity Health Gym Membership
What It Costs
Memberships are month-to-month. There’s a one-time $19 enrollment fee, waived for the digital-only option. Monthly rates by tier:4BCBSTX. Fitness Program Flier
- Digital Only: $10
- Base: $19
- Core: $29
- Power: $39
- Elite: $99
Pro, Signature, and Premier tiers run higher, up to $239 per month.6BCBSTX Connect. Well onTarget FAQ A 12% family bundle discount applies when more than one household member enrolls, and sales tax is added where applicable.7HealthSelect BCBSTX. Fitness Program Payment comes out automatically by credit card or bank withdrawal.
Base, Core, and Power members can visit any gym at their tier or any lower tier. Elite and above work differently: you pick one home gym at your tier, and you also keep access to the Base, Core, and Power locations.7HealthSelect BCBSTX. Fitness Program Every tier, including the $10 digital-only option, comes with unlimited on-demand and live virtual classes through BurnAlong.8Texas Association of Counties. Well onTarget
Enrolling and Canceling
Sign up online by logging into Blue Access for Members at bcbstx.com, going to Quick Links, and choosing Fitness Program. You can also enroll by phone at 888-762-BLUE (2583), Monday through Friday, 7 a.m. to 7 p.m. CT.4BCBSTX. Fitness Program Flier Once enrolled you can print your membership ID card and use a participating gym the same day. Cancel any time by calling the same number.7HealthSelect BCBSTX. Fitness Program
SilverSneakers for Medicare Advantage Members
If you have a BCBSTX Medicare Advantage plan, the picture is different. SilverSneakers is included as a plan benefit, with no separate premium or copay listed for the fitness component.9City of Austin Employees’ Retirement System. Maximizing Retiree Resources10BCBSTX. Fitness Program – Retiree Medicare11SilverSneakers. Blue Cross Blue Shield To confirm eligibility and find a participating gym, call SilverSneakers at 1-888-423-4632.
Blue365 Discounts for Everyone Else
All BCBSTX members, regardless of plan, have free access to Blue365, a discount marketplace. Current fitness offers include savings of up to 60% at more than 20,000 gyms and studios, discounts on Garmin and Fitbit devices, and a waived online signup fee at Life Time Fitness, where a $35 administrative fee and monthly dues still apply.12Blue365 Deals. BCBSTX Deals Sign up free at blue365deals.com using your BCBSTX member ID. Blue365 is not insurance, and anything you buy through it does not count toward deductibles or benefit maximums.13BCBSTX. Blue365 Discount Program
Can You Pay With an HSA or FSA?
Usually no. Under IRS rules, a gym membership does not qualify for HSA or FSA reimbursement unless a licensed medical provider documents that exercise is part of a treatment plan for a specific diagnosed condition such as obesity, type 2 diabetes, or cardiovascular disease. You need a Letter of Medical Necessity, and you should get it before buying the membership.14WithFlex. HSA FSA Eligible Gym Membership
Check What Your Specific Plan Includes
Access to Well onTarget features can vary by employer. BCBSTX markets the Fitness Program and related wellness tools as optional components for group health coverage, and some pieces, such as one-on-one coaching, are only included if the employer buys them.6BCBSTX Connect. Well onTarget FAQ If you’re not sure what’s available on your plan, log into Blue Access for Members or call the number on the back of your member ID card.