Insurance Plans with YMCA Benefits

Do you want to enjoy the benefits of a YMCA membership without paying out of pocket? If you have an insurance plan that includes monthly fitness club membership dues, you may be eligible for a third-party payor insurance plan at the YMCA.

With a third-party payor plan, your insurance covers the cost of your YMCA membership fees. This gives access the YMCA's fitness centers, pools, group exercise classes, virtual fitness, and more. All you need to do is scan in monthly to keep your membership benefits.

Which Insurance Providers Offer Third-Party Payor Plans?

The YMCA of Southeastern North Carolina partners with the following third-party insurance providers for membership benefits:

Each of these options provides full access to all programs and services at multiple YMCA locations including Midtown YMCA, Nir Family YMCA, and Sampson County YMCA.

Some plans and supplements require fees and annual enrollment.

Contact your insurance broker or provider for details.

How Do I Sign Up for a Third-Party Payor Plan?

To sign up for a third-party payor plan:

  • Call your insurance provider and select a plan that includes a YMCA membership.
  • When your plan is active, ask your provider for your fitness ID eligibility number.
  • Bring that number to your local YMCA.

If you don’t have your fitness ID eligibility number, our staff can search for it to verify your insurance information and check for eligibility. 

Once your information is confirmed, you will have membership access for that calendar year.

What are the Terms and Conditions of a Third-Party Payor Plan?

Each insurance provider may have different terms and conditions for their third-party payor plans. Some common ones are:

  • During your plan’s designated renewal period, you need to update your information with the YMCA to ensure billing accuracy and eligibility.
  • It’s important to use your YMCA membership and scan in each month or risk losing your membership benefits.
  • You need to inform the YMCA immediately if your insurance changes throughout the year.
  • You cannot add adult or youth members to your third-party payor plan. They need to sign up for a regular membership separately.
  • Third-party plans are not eligible for Nationwide Membership reciprocity.

Why join the YMCA with a third-party payor plan?

Joining the YMCA with a third-party payor plan is a great way to improve your health and well-being, connect with friends, pursue your interests and support your community.

Our programs for active older adults help you stay active, improve health, and maintain community connections.

The YMCA offers:

  • A wide range of fitness programs and equipment for all ages and abilities
  • Indoor and outdoor pools for lap swimming, water aerobics, and family fun
  • Group fitness classes such as yoga, Zumba, cycling, Pilates, Les Mills BODYPUMP, and more
  • Pickleball on indoor courts
  • Virtual fitness access with YMCA360, an online platform that offers hundreds of videos on demand
  • Social gatherings, interest clubs, and special activities planned for older adults
  • Programs to help you manage arthritis, prevent falls, prevent and control diabetes, regain strength after cancer, improve Parkinson's symptoms, and more.
  • A safe, positive and welcoming environment where you can be yourself and meet new people
  • A cause-driven organization that focuses on developing the potential of kids and teens, improving individual health and well-being, and giving back and supporting our neighbors

Don't miss this opportunity to join the YMCA with a third-party payor insurance plan. Visit your local Y today and start your journey to a healthier and happier life.

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Frequently Asked Questions

What are the benefits of YMCA membership through a Medicare Advantage plan?

Membership through partner Medicare Advantage plans provides full access to both our Midtown and Nir Family YMCA branches. Our Healthy Aging programs help older adults stay active, improve health, and maintain community connections. We offer unlimited group exercise and water fitness classes, as well as programs for chronic condition support, falls prevention, cancer survivorship, diabetes prevention and management, and arthritis management. Clubs, group outings, and volunteer opportunities are also available.

How do I know if my plan works with the YMCA?

Contact your insurer about the wellness benefit for your Medicare Advantage or Supplement plan. We work with FirstMedicare Direct Healthy State, RenewActive by UnitedHealthcare®, the AARP Medicare Supplement Program (BeWell Program) and plans that include Silver & Fit.

How do I contact these plans to learn more?

How do I get set up?

When you sign on to one of these plans, your insurer will advise you on next steps. Next, bring your proof of eligibility to the membership desk. Some plans require fees and annual enrollment. We’ll enter your information and issue your YMCA membership card, and you can begin enjoying the Y right away. All new members have access to free wellness coaching sessions, which are a great way to get started.

Is there a catch?

No, just visit one of our facilities and scan your YMCA membership card each time you visit. Your insurance coverage includes unlimited use of our facilities, access to helpful programs, and support from wellness coaches. You’ll get the most out of your membership if you visit often. Be sure to scan in each time you visit to maintain your membership through your insurer.

Will I be able to use another Y when I travel?

FirstMedicare Direct Healthy State, Silver & Fit, and RenewActive members are members of the YMCA of Southeastern NC and have access to both of our facilities in New Hanover County. These memberships are not transferrable to or reciprocal with other YMCAs across the country. The AARP’s Medicare Supplement Program (BeWell Program) is part of a national agreement with YMCAs and does offer the benefit of Nationwide Membership access to participating YMCAs. If your plan does not offer this benefit and you are interested in having the flexibility of using any Y in the nation, we suggest you consider our Senior or Senior Household membership options.

I would like a Y membership, but I’m on a fixed income. What can the Y do for me?

The YMCA is committed to helping people reach their full potential through programs that build healthy spirit, mind, and body. We serve people of all ages, backgrounds, abilities, and incomes. It is our belief that no one should be turned away for their inability to pay. Through the application-based Pathways program, we offer sliding-scale fees designed to fit each individual’s or family’s financial situation.

Why don’t you offer Silver Sneakers or work with other plans?

Silver Sneakers doesn’t offer the same benefits as a YMCA membership or a membership through the AARP Medicare Supplement Program, FirstMedicare Direct Healthy State, RenewActive, or Silver & Fit. Members of the YMCA of SENC have full access to several indoor pools, hundreds of group exercise classes, a host of health education and wellness offerings and much more. The YMCA is committed to increasing access to our facilities for those in need in our community and will continue to work with Medicare partners to expand these benefits when possible.

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