How to know if your health insurance covers the cost of exercise equipment

One thing that many people don’t realize is that their health insurance may actually cover the cost of some of this equipment. Most policies will at least partially reimburse you for the cost of a gym membership, and some will even cover the purchase of exercise equipment.

If you’re not sure whether or not your policy covers these costs, the best thing to do is to contact your insurance company directly and ask. They should be able to give you a clear answer as to what exercise equipment is and isn’t covered under your policy.

In general, it’s always a good idea to be as proactive as possible when it comes to your health and fitness. By taking the time to research your options and find out what’s covered under your health insurance, you can make sure that you’re making the most of your policy and getting the coverage that you need.

What types of exercise equipment are typically covered by insurance

what exercise machines are covered by insurance

If you’re like most people, you probably have some sort of health insurance coverage. And if you have health insurance, chances are that your policy covers some type of exercise equipment.

But what exactly is covered? And how do you go about getting coverage for your equipment? I have the summary of the answer for you right here in this article.

Generally speaking, most health insurance policies will cover some type of exercise equipment. This can include exercise machines like pedal and shoulder exercisers, recumbent exercise bikes, upright bikes, rowing machines, and even ellipticals.

However, there are usually some limits to what is covered. For instance, many policies will only cover equipment that is considered ” medically necessary.”

This means that if you’re looking to get coverage for a luxury item like a rowing machine, you might be out of luck.

Additionally, many policies will only cover equipment that is used for a specific purpose – such as those exercise equipment made by HCI for physical therapy or rehabilitation.

So if you’re looking to get coverage for a piece of equipment that you’ll use for general fitness, you might also be out of luck.

If you’re interested in getting coverage for your exercise equipment, your best bet is to check with your health insurance provider.

They should be able to give you a list of the types of equipment that are typically covered by your policy. From there, you can work

How do you go about filing a claim for reimbursement

Many insurance plans will reimburse you for a portion of your health care expenses if you submit a claim form. The first step is to gather all of the necessary documentation, including receipts, bills, and any other documentation that will support your claim.

Once you have assembled all of the required paperwork, you will need to fill out the claim form. Be sure to include all of the relevant information, such as dates of service, provider information, and the amount of the expenses.

Once the form is complete, you will need to submit it to your insurance company. They will review the claim and determine whether or not you are eligible for reimbursement. If everything is in order, they will issue a check for the approved amount.

If there are any questions about your claim, they will contact you for additional information. Filing a claim can be a simple process as long as you have all of the required documentation. By following these steps, you can be sure that your claim will be processed quickly and efficiently.

What are the most common reasons why people’s claims are denied

One of the most common reasons people’s claims are denied when asking insurance companies for exercise equipment reimbursement is because they don’t have a hospital or doctor’s prescription.

While some health insurance companies may cover the cost of fitness equipment with a doctor’s note, most will not. This is because there is no guarantee that the person will use the equipment as prescribed, or that it will even be effective for them.

Another common reason for denial is if the person requesting reimbursement has a pre-existing condition that may be aggravated by exercise.

In this case, the insurance company may be concerned about liability and will not approve the claim. Plus, many insurance companies will only reimburse claimants for a portion of the cost of the equipment, and some have limits on how much they will pay out per year.

Finally, some insurance companies simply do not offer this type of reimbursement, so it is important to check with your provider before making a purchase.

By understanding the most common reasons claims are denied, you can be better prepared to get the coverage you need.

How to find the best deal on exercise equipment that is covered by your insurance plan

If you are looking for ways to get active and improve your health, you may be considering investing in some exercise equipment. If you have insurance, you may be able to get a discount on an equipment.

Most insurance plans cover some type of fitness equipment, so it is worth checking with your provider to see what is available. You can usually find a list of covered items on your insurer’s website.

Once you know what is covered, you can start shopping around for the best deals. There are a few things to keep in mind when searching for exercise equipment that is covered by your insurance plan.

First, make sure that the equipment is eligible for coverage. Some items, such as treadmills and ellipticals, may have special requirements in order to be covered.

Second, check the price of the equipment. You may be able to find discounts or rebates from the manufacturer if you purchase through an authorized dealer.

Finally, ask about any installation or delivery fees that may be associated with the purchase of the equipment. Following these tips might help you find the best deal on exercise equipment that is covered by your insurance plan.

Is exercise equipment covered by health insurance?

Health insurance policies vary greatly in terms of what types of expenses they cover. That said, it is generally speaking unlikely that health insurance will cover the cost of exercise equipment, as it is often viewed as a discretionary purchase.

There are a few exceptions that could make exercise equipment covered by health insurance. First, if a doctor prescribes exercise equipment for a specific medical condition, it may be covered.

Second, if the exercise equipment is considered medically necessary (such as an electric wheelchair or pedal exerciser), it may also be covered.

However, these scenarios are relatively rare, so it’s generally safe to assume that health insurance will not cover the cost of Exercise Equipment.

Does Blue Cross cover exercise equipment?

Blue Cross expanded its fitness reimbursement program last year to include virtual fitness expenses, and this year it has gone one step further by expanding the program to include home fitness equipment.

The program reimburses policyholders up to $200 per year for health club membership fees, personal training sessions, and virtual fitness classes.

Now, with the expansion to home fitness equipment, policy holders can also receive up to $200 per year for the purchase of ellipticals, treadmills, and other exercise equipment.

This is great news for those who want to get fit, but find it difficult or expensive to join a gym. With the Blue Cross fitness reimbursement program, getting healthy is more affordable than ever.

Many health insurance policies offer coverage for preventive measures such as gym memberships and exercise equipment. To find out if your policy offers this type of coverage, you can contact your insurance provider or review your policy documents. Some policies may even provide a reimbursement for a portion of the cost of an exercise program.

Does Medicaid cover exercise equipment?

As anyone who has ever dealt with a major illness knows, medical expenses can quickly become overwhelming. For many people, Medicaid provides vital financial assistance that helps to cover the cost of medical care.

However, Medicaid is a government program with strict eligibility requirements, and it is not always clear what types of expenses will be covered.

In general, Medicaid will pay for medical equipment when it is determined to be medically necessary, cost effective and meet their strict definition of what is durable medical equipment.

However, there are many different sets of rules and regulations governing Medicaid, so it is always best to check with your case worker or doctor to find out if your particular situation will qualify for coverage.


If you’re looking to add some new workout equipment to your home gym, you may be wondering if your health insurance will cover the cost. The good news is that many health insurance plans do offer some coverage for exercise equipment.

However, there are a few things to keep in mind before you make your purchase. First, check with your insurance company to see if there are any specific guidelines or exclusion.

Some plans may only cover certain types of equipment, so it’s important to know what your plan covers. You should also be aware that most health insurance plans have a maximum dollar amount that they will reimburse for exercise equipment.

This means that you’ll need to pay the difference if the equipment you’re interested in is more expensive than your insurance plan allows. Finally, remember that even if your health insurance covers the cost of new exercise equipment, you’ll still need to meet your deductible before your coverage kicks in.

With these things in mind, you can be sure that you’re getting the most out of your health insurance coverage when it comes to exercise equipment.


Hi there, I'm Sayed Hamed Hosseiny, the founder and one of the authors at (YEB). I am a former indoor cycling instructor and personal trainer with nearly 20 years of experience. With a passion for indoor cycling, I have spent years designing cycling parts, repairing, and importing exercise bikes. All the articles, tips, guides, reviews, and comparisons on (YEB) reflect my personal opinion and expertise in the field. I'm excited to share my knowledge with fellow exercise bike enthusiasts and help people find reliable indoor cycling information and the best exercise bike for their needs. If you have any questions or suggestion, you can contact me at

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