YMCA Memberships from Insurance & Employer Partners
Through our partnerships with Medicare and employer-sponsored insurance programs, you can enjoy a Base Membership at no cost—with $0 set-up fees—bringing the Y’s mission of health, wellness, and community within reach for everyone. Plus, you have the option to upgrade to a Plus or Max Membership at significant discounts to access additional amenities, classes, and privileges.
Staying active supports your mind, body, and spirit, helping reduce stress, boost brain health, prevent chronic disease, and maintain a healthy weight—all while connecting you to a community that cares.
Ready to thrive? Stop by or contact your local YMCA Family Center to learn more about memberships and programs designed to help you move, connect, and grow.
Active & Fit / Silver & Fit
Active & Fit and Silver & Fit programs at the YMCA make it easier than ever for eligible members to stay active, healthy, and connected. Through these Medicare and employer-sponsored partnerships, qualifying adults can enjoy a YMCA Base Membership at no cost — with $0 enrollment fees — gaining access to group exercise classes, wellness programs, and fitness amenities across YMCA of Central Florida locations.
Eligible participants simply enroll through their insurance program’s member portal, then bring their confirmation or Member ID to any YMCA front desk to activate their membership. Once enrolled, they can take advantage of strength training, cardio equipment, group fitness classes, aquatics, and senior-focused wellness offerings designed to support long-term health and vitality.
Your Health Savings Account (HSA)
or Flexible Spending Account (FSA) and Doctor B
The YMCA of Central Florida now makes it easier and more affordable to invest in your health by partnering with Dr. B, an online telehealth service that helps members access Letters of Medical Necessity (LMNs)—a key requirement for using HSA or FSA funds on certain fitness expenses.
One Pass Select™ (or Aaptiv Access) program
The YMCA partners with the One Pass Select™ and Aaptiv Access programs to provide eligible members with convenient, no‑cost access to YMCA facilities and wellness offerings. These programs are typically included in certain employer‑sponsored or Medicare‑related fitness benefits and are designed to make staying active easier and more affordable.
Renew Active
Renew Active is a fitness benefit offered through select Medicare plans that provides eligible adults with no‑cost access to the YMCA of Central Florida. It’s designed to support healthy aging, physical activity, and community engagement.
SilverSneakers
Stay active, strong, and connected with the YMCA’s SilverSneakers® program — a nationally recognized fitness initiative designed specifically for adults 55+. Offering classes that support balance, strength, mobility, and overall well‑being, SilverSneakers® provides older adults with a fun and social way to stay healthy. Many Medicare plans include SilverSneakers at no additional cost, giving eligible seniors access to a wide range of YMCA classes, wellness programs, and amenities throughout Central Florida.
Sunshine Health
The YMCA partners with Sunshine Health to provide qualifying Medicaid members with a completely free YMCA membership for individuals or entire families. This partnership is designed to remove financial barriers and ensure that more people can access the health, wellness, and community resources offered at the Y.
Wellhub
Wellhub (formerly Gympass) is a corporate wellness benefit that gives eligible employees access to thousands of fitness facilities—including many YMCA locations—through a single, flexible subscription offered by their employer. The YMCA participates in the Wellhub network, allowing employees who receive Wellhub as a workplace benefit to use the Y for fitness, classes, and wellness support.
Provided by: Active & Fit / Silver & Fit
How to Access the YMCA: Eligible Active & Fit or Silver & Fit members can select and enroll in the YMCA through their program’s member portal. Once enrolled, bring your membership confirmation or Member ID to the front desk at any YMCA of Central Florida location and complete a YMCA membership form to gain access.
Provided by: Your Health Savings Account (HSA) or Flexible Spending Account (FSA)
How to Use HSA / FSA Dollars: Contact your primary care physician to see if your medical history qualifies you for a Letter of Medical Necessity. If you don’t have a primary care physician, Dr. B, a medical telehealth organization, can help determine if you qualify.
If approved, submit your Letter of Medical Necessity along with your YMCA membership or personal training receipts to your HSA or FSA plan administrator for reimbursement.
Using HSA or FSA dollars makes it easy to invest in your health and wellness. You can apply your account funds toward YMCA memberships, personal training sessions, and other eligible wellness services—helping you stay active, healthy, and connected at the Y.
Provided by: OnePass Select™
How to Access the YMCA: Eligible members of the One Pass Select™ (or Aaptiv Access) program must first activate their membership on the One Pass Select or Aaptiv Access website and select a membership tier. Once enrolled, bring your Member Code to the front desk at any YMCA of Central Florida location and complete a membership form to gain access to your benefits.
Questions about eligibility or enrollment?
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One Pass Select Customer Service: 877-515-9364 (Mon–Fri, 8 AM–9 PM CT)
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Aaptiv Access Customer Service: 877-290-2815 (Mon–Fri, 5 AM–5 PM CT)
Provided by: UnitedHealthcare Medicare Plan
How to Access the YMCA: Bring your Renew Active identification number to the front desk and complete a YMCA membership form.
With Renew Active, it’s easy to keep your fitness routine fresh and fun. More than a gym membership, Renew Active provides standard membership access to YMCA of Central Florida Family Centers, digital brain exercises, and the opportunity to earn rewards for completing certain health care activities (available with select plans). It’s designed to help members live their healthiest, most active lives.
Your membership provides access to: Enjoy unlimited monthly visits, perfect for building strength, boosting cardio, and creating sustainable wellness habits.
Provided by: Tivity Health (SilverSneakers®)
How to Sign Up: Bring your SilverSneakers® card or 16-digit identification number to the front desk and complete a YMCA membership form.
SilverSneakers® is a leading exercise program that combines physical activity with socially engaging programming, empowering you to take greater control of your health. It reduces barriers to exercise, promotes social interaction, and encourages a healthier lifestyle. If you’re eligible for Medicare or select Medicare Advantage plans (including certain Medicare supplemental insurance), you can enroll in SilverSneakers® at any YMCA of Central Florida Family Center.
Participants enjoy access to SilverSneakers® Group Exercise classes, fitness equipment, gymnasiums, and a complimentary orientation scheduled on the day of sign-up!
Provided by: Sunshine Health
How to Access the YMCA: If you’re a Sunshine Health member with YMCA benefits included in your plan, bring your Sunshine Health ID to the front desk at a participating YMCA location and complete a membership form. Your eligibility will be verified, and you’ll gain access to your membership benefits.
Provided by: Wellhub Corporate Wellness
How to Access the YMCA: Employees of Wellhub client companies receive a Max Membership at participating YMCA locations. Upon your first visit, check in using the Wellhub app, register at the front desk, and complete a liability waiver. For all subsequent visits, simply check in on the Wellhub app and scan your barcode to access the facility.
Your membership provides access to: Enjoy everything the Y has to offer with a Max Membership! Plus perks like 4-day advanced class booking, aqua fitness, two guest passes per month, pool and splash pad access, early camp registration, and more.