Blue Cross Blue Shield (BCBS) offers gym reimbursement programs that can save members up to $300 per year on fitness expenses, including gym memberships, fitness classes, and even home equipment. If you’re a BCBS policyholder, taking advantage of this benefit is straightforward—and can help you stay healthy while reducing your fitness costs.
Understanding the Blue Cross Blue Shield gym reimbursement program is important because rules, coverage, and amounts vary by state and specific BCBS company. This guide will show you how to claim your fitness reimbursement, what’s covered, and how to get started, with real examples and the latest updates for 2025. Most BCBS plans include steps like enrolling in an eligible gym, keeping receipts, and submitting a simple claim online or by mail. You’ll find everything you need to know here, plus official links for each region.
How Does Blue Cross Blue Shield Gym Reimbursement Work?
What Is the BCBS Gym Reimbursement Program?
Many BCBS companies offer a yearly reimbursement—ranging from $150 to $300—for gym memberships, fitness classes, online subscriptions, or home fitness equipment.
The program’s aim is to make fitness more affordable and encourage a healthier lifestyle.
- Available to both individuals and families (limits may differ).
- Reimbursement typically covers a wide variety of fitness services and products.
- You must submit proof of purchase and/or attendance.
- Each BCBS company sets its own deadlines and process.
For the most accurate details, always check with your local BCBS company. See BCBS.com for a state-by-state directory.
What’s Covered Under BCBS Gym Reimbursement?
Common Eligible Expenses
Most BCBS plans reimburse:
- Gym and health club memberships (traditional and boutique studios)
- Fitness class packages (yoga, pilates, cycling, martial arts, etc.)
- Online fitness programs and virtual classes (e.g., Peloton, Apple Fitness+)
- Home exercise equipment (e.g., treadmills, stationary bikes)
- Weight loss program memberships (Weight Watchers, Noom, etc. — check your plan)
Example:
Blue Cross Blue Shield of Massachusetts covers up to $300 per family annually for health club fees, virtual classes, or equipment (BlueCrossMA – Fitness Reimbursement).
Note: Some plans only cover in-person gyms or require a minimum number of visits. Always review your Summary of Benefits.
State-by-State & Plan Comparison
Sample BCBS Gym Reimbursement Programs (2025)
| BCBS Company | Max Reimbursement | Covered Items | Deadline | Link |
|---|---|---|---|---|
| BCBS Massachusetts | $300/family, $150/individual | Gyms, virtual fitness, classes, equipment | March 31 (next year) | bluecrossma.org |
| Anthem Blue Cross (CA) | $200/year | Gym memberships (visit requirement) | Varies | anthembluecross.com |
| Highmark BCBS (NY/PA) | $200/year | Gym memberships, classes | 120 days post year | mybcbswny.com |
| Blue365 Nationwide Discount | N/A (discounts) | Discounted gym memberships ($19/month) | N/A | fepblue.org/blue365 |
Important: Not all states or employer plans offer gym reimbursement. Use your local BCBS website or call member support for details.
How to File a Blue Cross Blue Shield Gym Reimbursement Claim
Step-by-Step Claim Process
- Check Eligibility
Log in to your local BCBS member portal or call customer support to confirm you’re eligible for the fitness reimbursement benefit. - Keep Documentation
Collect receipts for gym membership payments, class fees, or equipment purchases.
If required, get a signed attendance log from your gym or studio. - Download and Complete the Form
Find the fitness reimbursement claim form on your BCBS company’s website.
Example: Blue Cross Blue Shield MA Reimbursement Form (PDF) - Submit Your Claim
- Online: Log into your BCBS portal, upload receipts, and submit the form.
- By Mail: Send your form and supporting documents to the address on the claim form.
- Track Your Claim
Processing typically takes 30 days. You’ll receive reimbursement by check or direct deposit.
Pro Tip: Most BCBS plans have a deadline (e.g., March 31 of the following year). Late claims are usually denied.
Blue365 and Other Fitness Discounts
What Is Blue365?
Blue365 is a nationwide BCBS program offering deep discounts on gyms, fitness classes, and wellness products.
- No reimbursement paperwork: Pay just $19/month at participating gyms (like Anytime Fitness, Curves, and more).
- Offers on fitness gear, online classes, and nutrition plans.
- Available to all BCBS members, regardless of gym reimbursement eligibility.
See all current deals at Blue365Deals.com.
Frequently Asked Questions
Is gym reimbursement automatic with every BCBS plan?
No. Not every BCBS plan offers this benefit. Check your Summary of Benefits or call the number on your insurance card.
What documentation is required?
Typically, receipts showing payment, proof of gym/studio attendance (for usage-based plans), and sometimes a claim form.
Can I get reimbursed for online fitness subscriptions?
In many states, yes—especially post-pandemic. Plans like Blue Cross Blue Shield of Massachusetts allow reimbursement for virtual classes and online programs (source).
Can families get more?
Family plans often have higher maximum reimbursements than individual plans. Check your plan’s Summary of Benefits.
Recent Policy Updates (2025)
- Many BCBS companies expanded virtual fitness and home equipment coverage.
- Some plans raised their annual caps for fitness reimbursement (example: BCBSMA increased to $300/family).
- Processing times and submission deadlines remain strict—file early.
Conclusion
Blue Cross Blue Shield gym reimbursement is a valuable, often underused benefit that can save you hundreds every year on your fitness journey. Don’t miss out—review your plan, keep your receipts, and submit your claim before the deadline!
For more info or to get started, log into your local BCBS member portal or contact customer service.
Ready to save? Start your claim today and get rewarded for living healthier!