The Silver Sneakers program and Silver & Fit are for Medicare eligible people currently signed up with certain insurance companies. These insurance plans will typically carry the cost of your membership. We do, however, invite all members of 65 over and under to participate in these program. In other words, you may join the program if you feel it suits your particular needs and you are a member of the club. Also, if you are signed up with these programs, the whole club is at your disposal. We encourage you to exercise every day.