The Best Medicare Supplement Insurance for Healthy Seniors
Our research team chose Humana as the top carrier of Medigap plans for healthy seniors thanks to their widespread availability, high enrollment discounts, and ample health and wellness perks.
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- Free SilverSneakers fitness membership
- Availability in 48 states
- Up to 6 percent online enrollment discount
- Free SilverSneakers fitness membership
- Availability in 14 states
- Up to 5 percent household discount
- Silver & Fit Exercise and Healthy Aging programs
- Availability in all 50 states
- Up to 5 percent household discount
- Up to 7 percent household discount
- Excellent customer service
- 24/7 customer service
- 5 percent household discount offered in most states
- Variety of plans available
- Health and wellness benefits
Our experts researched the industry’s leading Medigap plans and narrowed down the list to our top picks for healthy seniors and other Medicare beneficiaries.
Our experts researched the industry’s leading Medigap plans and narrowed down the list to our top picks for healthy seniors and other Medicare beneficiaries.
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Although you may be in excellent health now (keep up the great work!), your future health care needs must also be considered. That’s where Medicare supplement insurance — also called Medigap — plays an important role, since the plans can fill in the gaps that Medicare Part A and Part B don’t cover.
Our team spent 75 hours researching and comparing Medigap plans for healthy seniors. We chose Humana as the best Medigap carrier because they offer a seamless online enrollment experience (with premium discounts), nationwide availability and plenty of additional benefits for healthy and active adults. We’ll take a closer look at Humana and the rest of our top picks for Medigap plans for healthy seniors.
Top Medicare Supplement Insurance for Healthy People
Our Methodology
How We Researched the Best Medigap Plans for Healthy Adults
Here’s how we evaluated each Medigap carrier:
- Our team visited each carrier’s website to see what they offered. We gave priority to Medigap carriers that made it easy to see which plans were available in our area and provided instant quotes. We also looked for plans that specifically mention health and wellness benefits that go beyond what’s offered with Original Medicare.
- We read through each plan carefully (including the fine print) to weed out plans that don’t offer as much coverage for adults who live an active or healthy lifestyle.
- We spoke to representatives from each carrier on the phone to ask questions about pricing and coverage, particularly for carriers that did not offer as much information on their websites. That also gave us useful information about the quality of each carrier’s customer support team.
- We compared notes and narrowed down our list to the top Medigap carriers and plans for healthy Medicare beneficiaries.
How We Chose the Best Medigap Plans for Healthy Adults
Here are the most important factors we considered for Medicare beneficiaries shopping for a Medigap plan that suits their health and lifestyle:
- Medigap plans offered: There are 10 Medigap plans on the market, four of which are no longer offered to new Medicare beneficiaries. Insurance carriers also vary in the number and type of plans they offer. We looked for carriers that offer more plans, giving consumers more options to choose a plan within their price range.
- Health and wellness benefits: We wanted to make sure the carriers we chose would help healthy adults stay healthy. Nearly every carrier on our list has options for adults to get discounts or coverage for wellness products, including gym memberships, healthy diet plans, massages, OTC and prescription medications, and more.
- Plan premiums and deductibles: Medigap plans are designed to reduce out-of-pocket Medicare costs such as deductibles, coinsurance, and copays. If a Medigap plan has a deductible and a high premium, however, beneficiaries may not save as much on out-of-pocket costs. We looked for carriers that offer plans with low premiums and low or no deductibles.
- Cost transparency: We appreciate transparency when it comes to monthly premiums and deductibles, as well as coverage for Medicare deductibles, copays, and coinsurance. We primarily focused on carriers with websites that offered fast quotes and price-comparison tools.
- Plan availability: Not all Medigap plans are available in every state, and some carriers don’t operate in all 50 states. We looked for carriers that offer a wide network. Keep in mind that even if a carrier offers Medigap in your state, they may not offer plans in your ZIP code.
- Customer service: Since Medigap is offered only through private insurance companies, it’s important to consider their customer service. We contacted each carrier and spoke with representatives to ensure that they offer helpful and friendly customer service. We also read through reviews of each carrier to see what real customers had to say.
- Carrier reputation: We considered the carrier’s reputation as a dependable insurance company. We researched their ratings from trusted organizations such as the Better Business Bureau, AM Best, and S&P Global.
Why Trust Us?
Our experts have spent hundreds of hours reviewing and evaluating Medicare Advantage and Medigap plans for eligible beneficiaries. We also consulted with healthy Medicare beneficiaries and households to learn about their personal experiences with different carriers and gain better insights into their advantages and disadvantages.
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1. Humana - Best Online Enrollment Experience
See Pricing Links to HumanaWhat we like most
- Free SilverSneakers fitness membership
- Availability in 48 states
- Up to 6 percent online enrollment discount
HumanaSee Pricing Links to HumanaOverview:Finding the best Medigap plan to support your health and well-being can be tedious. Humana comes to the rescue by making online research and enrollment easy. The provider offers eight of the 10 Medigap plans, so you’ll have plenty of Medicare supplement options. With Humana, you can see an outline of coverage, compare plans, and receive an instant quote. Humana’s no-cost extras — including fitness club service, a 24/7 nurse advice hotline, and discounts for hearing, prescription, and vision — are a win in our book.
» Learn About: Senior Discounts in 2025
Humana’s customer base (over 17 million members) has plenty of resources to support and maintain their healthy lifestyle, including a valuable free gym membership. We’re also big fans of Humana’s transparency in how they rate their plans (attained age, community-rated, or issue-age-related) and set their prices for gender-based, preferred, and standard premiums.
» Our Take: Humana Medigap Plans Review
Humana Medigap plans*
- Plan A
- Plan B
- Plan D
- Plan G
- High-Deductible Plan G
- Plan K
- Plan L
- Plan N
*For individuals first eligible for Medicare before 2020, Plan C, Plan F and High-Deductible Plan F are also available.
Pros & Cons:Pros About Humana
- User-friendly website and mobile app
- Complimentary SilverSneakers fitness program membership
- 24/7 registered nurse hotline
- Three Medicare Part D drug plans
- 6 percent discount for applying online
- Electronic payment and household discount
- Instant online quote
Cons About Humana
- Medigap plans vary by ZIP code
- Premiums can be a little high for certain plans
Summary:Plans and Pricing
We researched Humana Medigap plans and pricing available to 65-year-old applicants in Henderson, Nevada. Here’s what we found.
*Plan Monthly premium (male) Monthly premium (female) Annual deductible Part A coinsurance and hospital coverage Part B coinsurance or copay coverage Part A deductible coverage Part B deductible coverage Plan G High Deductible $50.26 $44.70 $2,870 Yes Yes Yes No Plan N $128.96 $114.34 $0 Yes Yes (up to $20 for office visits; $50 for ER) Yes No Plan A $201.48 $178.52 $0 Yes Yes No No Plan G $183.34 $162.46 $0 Yes Yes Yes No *Plan availability and monthly premiums will vary based on your age, gender, and location.
Since Humana offers eight of the 10 Medigap plans, we were a little disappointed to see that seniors and other Medicare beneficiaries in Henderson, Nevada, had access to only four of them. Aside from High Deductible Plan G, the premiums are high compared to carriers such as AARP and Cigna.
FYI: If you’re considering an alternative to Medigap, check out the latest review of Humana Medicare Advantage plans.
What really makes Humana a great option for healthy adults is the extra wellness benefits and perks. You can get all of the following with Humana Medigap, regardless of the plan you choose:
- Fitness club membership
- Hearing discount
- Prescription discount
- Vision discount
- 24/7 nurse advice line
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2. Anthem - Best Add-On Benefits
See Pricing Links to AnthemWhat we like most
- Free SilverSneakers fitness membership
- Availability in 14 states
- Up to 5 percent household discount
AnthemSee Pricing Links to AnthemOverview:Anthem is the largest for-profit managed health-care company in the Blue Cross Blue Shield Association. Anthem’s over 78 million members have access to valuable add-on benefits built to support healthy lifestyles. In addition to Medigap, Anthem’s whole-health approach offers supplemental prescription, dental, vision, and hearing plans. Customers also have access to a free fitness membership, online wellness tools, weight-management resources, and personalized coaching.
» Choosing a Plan: Is It Better to Have Medicare Advantage or Medigap?
Anthem’s one-stop health care shop is an attractive option for older adults looking to maximize their wellness benefits. Staying active is key to maintaining a healthy lifestyle, and we were impressed with Anthem’s no-cost SilverSneakers membership and enhanced personal health care. Their website is easy to navigate and packed with resources to keep you focused on living your best life. For individuals looking to add a Part D plan, Anthem’s wallet-friendly MediBlue Rx Standard prescription plan is a solid choice for people taking minimal prescriptions.
» Our Take: Anthem\ Medicare Advantage Review
Anthem Medigap plans*
- Plan A
- Plan G
- Plan N
*For individuals first eligible for Medicare before 2020, Plan F is also available.
Pros & Cons:Pros About Anthem
- Dental, vision, and hearing plans available
- Part D prescription drug plan coverage
- Free SilverSneakers fitness membership
- All Medigap plans cover 100 percent of Part A and Part B coinsurance
- ScriptSave/WellRx prescription savings program
- SpecialOffers program provides discounts on health-related products
Cons About Anthem
- Coverage region limited to 14 states
- Vision, hearing, and dental add-ons only available in certain states
Summary:Plans and Pricing
We researched Humana Medigap plans and pricing available to 65-year-old applicants in Henderson, Nevada. Here’s what we found.
*Plan Monthly premium (male) Monthly premium (female) Annual deductible Part A coinsurance and hospital coverage Part B coinsurance or copay coverage Part A deductible coverage Part B deductible coverage Plan N $244.40 $226.98 $0 Yes Yes (up to $20 for office visits; $50 for ER) Yes No Innovative Plan N $166.74 $154.87 $0 Yes Yes (up to $20 for office visits; $50 for ER) Yes No Plan A $188.21 $174.61 $0 Yes Yes No No Innovative Plan G $197 $182.20 $0 Yes Yes Yes No *Plan availability and monthly premiums will vary based on your age, gender, and location.
Like Humana, Anthem offers only four Medigap plans to eligible applicants in Henderson, Nevada. We would’ve liked to see a few more choices, especially considering that two of the plans are just slight variations of the standard Plan N and Plan G options. In some states, such as California and Nevada, Anthem offers “Innovative” Medigap plans. That means the plan has a few extra benefits — most often vision and hearing coverage, plus a 24/7 nurse advice line.
» You Might Like: Best Hearing Aids for Active Lifestyles
The biggest downside to Anthem is that they’re simply not available in many states. Most Medicare beneficiaries won’t have access to their plans. Anthem doesn’t offer the lowest premiums on this list either; that honor goes to AARP. Policyholders, however, can reduce their monthly premiums by paying annually (saving up to $48 per year) and earn an additional $2 per month in savings for enrolling in automatic payments. Households with multiple policyholders may be eligible for a 5 percent household discount.
Many of Anthem’s Medigap plans include some excellent benefits for healthy and active adults, such as:
- Fitness club membership
- Vision coverage
- Hearing coverage
- Dental coverage
- Prescription savings
- 24/7 nurse advice line
- Discounts on health products
- Foreign travel emergency coverage
» Learn About: Senior Travel and Vacations
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3. Blue Cross Blue Shield - Best Nationwide Plans
See Pricing Links to Medicaresupplement.comWhat we like most
- Silver & Fit Exercise and Healthy Aging programs
- Availability in all 50 states
- Up to 5 percent household discount
Blue Cross Blue ShieldSee Pricing Links to Medicaresupplement.comOverview:For close to a century, Blue Cross Blue Shield (BCBS) has supplied health-care coverage. With an extensive provider network and Medigap plans in all 50 states, the District of Columbia, and Puerto Rico, BCBS stands out. The company makes it easy for older adults to live well for less with the Blue365, Silver & Fit Exercise, and Healthy Aging programs.
Did You Know? Adults who engage in regular physical activity could extend their lives by an average of more than four years.1
With exclusive BCBS member-only savings, Medigap enrollees can take advantage of a range of fitness and wellness tools, from activity trackers and walking shoes to nutrition and weight-loss programs. The option to bundle dental, vision, and prescription plans makes BCBS an excellent one-stop shop for insurance coverage.
» Our Take: Blue Cross Blue Shield Medicare Supplement Plans
Blue Cross Blue Shield Medigap Plans*
- Plan A
- Plan B
- Plan D
- Plan G
- Plan K
- Plan L
- Plan M
- Plan N
- *For individuals first eligible for Medicare before 2020, Plan C and Plan F are also available.
Pros & Cons:Pros About Blue Cross Blue Shield
- Plans offered in all 50 states
- Instant plan pricing available
- In addition to Medigap plans, BCBS offers dental, vision, and prescription plans.
- 5 percent household discount
- Silver & Fit Exercise and Healthy Aging programs
- 24/7/365 nurse helpline
- Exclusive member perks through the Blue365 program
- Extensive provider network
Cons About Blue Cross Blue Shield
- BCBS is not one company; 33 independent health insurance companies make up BCBS
- The BCBS carrier in your state may not offer every plan
- Silver & Fit Exercise and Healthy Aging programs aren’t offered in all areas
Summary:Plans and Pricing
Anthem falls under the umbrella of BCBS, and it is the only BCBS carrier available in Henderson, Nevada. As a result, older adults and other Medicare beneficiaries will have access to the same Anthem plans whether they go through Anthem directly or enroll through BCBS.
*Plan Monthly premium (male) Monthly premium (female) Annual deductible Part A coinsurance and hospital coverage Part B coinsurance or copay coverage Part A deductible coverage Part B deductible coverage Plan N $244.40 $226.98 $0 Yes Yes (up to $20 for office visits; $50 for ER) Yes No Innovative Plan N $166.74 $154.87 $0 Yes Yes (up to $20 for office visits; $50 for ER) Yes No Plan A $188.21 $174.61 $0 Yes Yes No No Innovative Plan G $197 $182.20 $0 Yes Yes Yes No *Plan availability and monthly premiums will vary based on your age, gender, and location.
BCBS offers as many as eight of the 10 Medigap plans in certain states and ZIP codes, so the availability of four plans in Henderson felt pretty limited. Nonetheless, the plan options are still good for active, healthy adults who want to take advantage of all the wellness benefits. Some of the best additional benefits include:
- Fitness club membership
- Vision coverage
- Hearing coverage
- Dental coverage
- Prescription savings
- 24/7 nurse advice line
- Discounts on health products
- Foreign travel emergency coverage
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4. Cigna - Best Customer Service
See Pricing Links to CignaWhat we like most
- Up to 7 percent household discount
- Excellent customer service
- 24/7 customer service
CignaSee Pricing Links to CignaOverview:Cigna has played an important role in the insurance industry for more than 225 years and now serves 182 million customers across the globe.2 Cigna’s commitment to assisting older adults and other Medicare beneficiaries in living their healthiest lives is impressive. Members enjoy health and wellness savings on gym memberships, vision and hearing care, alternative medicine, and weight management through Cigna’s Healthy Rewards program. Offering competitive pricing, top-notch perks, and enrollment discounts, Cigna remains a front-runner for older adults.
FYI: Cigna Healthy Rewards offers substantial discounts on health-related products and services ranging from healthy meal plans to acupuncture3
The company’s website is stocked with Medigap resources to take the confusion out of shopping for a plan. We were impressed with Cigna’s stellar 24/7/365 customer support and health information line, along with their competitive premium discount. With a robust rewards program, Cigna doesn’t skimp on healthy lifestyle perks.
» Our Take: Cigna Medicare Supplement Plans
Cigna Medigap Plans Offered*
- Plan A
- Plan D
- Plan G
- Plan N
*For individuals first eligible for Medicare before 2020, Plan F and High-Deductible Plan F are also available.
Pros & Cons:Pros About Cigna
- 24/7 health information line operated by registered nurses
- 24/7 customer service support
- Instant plan pricing available
- Wide range of health and wellness savings
- Guaranteed renewal (apart from nonpayment or misrepresentation)
- Dental and prescription plans
- 7 percent household discount and 5 percent online application discount
Cons About Cigna
- Medigap plans are available in only 38 states, not nationwide
Summary:Plans and Pricing
We received quotes for Cigna Medigap plans available to 65-year-old applicants in Henderson, Nevada.
*Plan Monthly premium (male) Monthly premium (female) Annual deductible Part A coinsurance and hospital coverage Part B coinsurance or copay coverage Part A deductible coverage Part B deductible coverage Plan G High Deductible $61.24 $53.25 $2,870 Yes Yes Yes No Plan N $120.28 $104.59 $0 Yes Yes (up to $20 for office visits; $50 for ER) Yes No Plan A $149.84 $130.29 $0 Yes Yes No No Plan G $157.72 $137.15 $0 Yes Yes Yes No *Plan availability and monthly premiums will vary based on your age, gender and location. The monthly premiums above include 16 percent in discounts available through Cigna.
Cigna goes above and beyond to offer discounts to healthy adults. All of the premiums above include a 5 percent online enrollment discount and a 6 percent discount for living in a household with a spouse or partner over the age of 50, as well as another 7 percent discount if a second member of the household is also enrolled in a Cigna Medigap plan. That means some older adults could save up to 16 percent on their Medigap coverage.
Cigna and Humana offer the same plans in Henderson, but the two vary in pricing. Even with all of the discounts, Cigna can’t compete with the low premiums of Humana’s High Deductible Plan G offerings. For every other plan, however, you could potentially pay less for your monthly premium with Cigna — if you’re eligible for at least two of the three enrollment discounts. With some plans and locations, applicants could get combined discounts as high as 25 percent. Even if you’re not eligible for a full 25 percent discount, Cigna offers better discounts than carriers such as Humana and Anthem — although not quite as good as AARP.
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Cigna also offers solid programs for healthy adults. Here are a few that caught our attention:
- Cigna Healthy Rewards
- 24/7 health advocate line
- Foreign travel emergency coverage
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5. AARP - Best Healthy Living Perks
See Pricing Links to AARPWhat we like most
- 5 percent household discount offered in most states
- Variety of plans available
- Health and wellness benefits
AARPSee Pricing Links to AARPOverview:Focusing on total body health, AARP offers an impressive range of healthy living programs, discounts, and options to combine insurance plans, such as prescription and dental. AARP Medigap plans from UnitedHealthcare are a strong contender for healthy older adults.
» Also Check Out: UnitedHealthcare Dental Insurance for Seniors
AARP Medigap plans from UnitedHealthcare offer much more than Medicare Supplement Insurance. The powerhouse combination of AARP and UnitedHealthcare makes it easy for members to take full advantage of quality health care and substantial savings. From health and wellness to travel and banking, enrollees have a wide range of benefits to enhance their golden years.
» Our Take: UnitedHealthcare and Senior Care Coverage
AARP Medigap Plans from UnitedHealthcare*
- Plan A
- Plan B
- Plan D
- Plan G
- Plan K
- Plan L
- Plan N
*For individuals first eligible for Medicare before 2020, Plan C and Plan F are also available.
Pros & Cons:Pros About AARP
- Significant healthy living discounts, including savings on hearing, vision, and in-home care
- Renew Active fitness membership
- Enrollment discount up to 39 percent
- UnitedHealthcare has the only Medicare Supplement plans endorsed by AARP
- Members-only access to life, and housing resources tailored for older adults
- Short-term and long-term care insurance, prescription, dental, vision, and life insurance
Cons About AARP
- AARP membership is required with a $20 annual membership fee
- Must provide email and residential address to get a free quote online
Summary:Plans and Pricing
We researched AARP Medigap plans and pricing available to 65-year-old applicants in Henderson, Nevada.
*Plan Monthly premium (male) Monthly premium (female) Annual deductible Part A coinsurance and hospital coverage Part B coinsurance or copay coverage Part A deductible coverage Part B deductible coverage Plan N $148.38 $131.38 $0 Yes Yes (up to $20 for office visits; $50 for ER) Yes No Plan A $132.05 $116.93 $0 Yes Yes No No Plan G $172.55 $152.83 $0 Yes Yes Yes No Plan K $66.58 $58.74 $0 Yes Yes Yes No Plan B $193.52 $169.31 $0 Yes Yes Yes No Plan L $118.79 $103.15 $0 Yes Yes Yes No *Plan availability and monthly premiums will vary based on your age, gender, and location. All premiums above include discounts of up to 39 percent.
Not only does AARP offer more plans than any other carrier we researched in Henderson, Nevada, but they also offer some of the most affordable premiums. Like Anthem, AARP, and UnitedHealthcare don’t base the initial quote on gender, so you may find that the final quote is a little higher or lower once you go through the enrollment process. The premiums above include all of AARP’s discounts, which are substantial. None of the premiums are over $200, which is not something we could say for Anthem, BCBS, or Humana. Plus, when displaying Medigap plans, AARP has a helpful option to highlight differences. This is especially useful, since they offer more plans than any other carrier on our list.
» More From AARP: AARP Medicare Advantage Plans Review
One potential downside to choosing Medigap through AARP and UnitedHealthcare is that you must be an AARP member, which adds $20 per year in membership fees to the cost of having a plan. However, that may be worth it, depending on the plan you need.
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We would be remiss if we didn’t mention all of the great wellness perks that come with most Medigap plans offered by AARP. Here are a few of our favorites for healthy adults:
- Dental discounts
- Vision discounts
- Hearing discounts
- Brain health programs and activities
- Free gym membership (as well as workout videos to exercise at home)
- 24/7 nurse help line
Popular Medigap Coverage for Healthy Seniors
Medicare has a total of 10 Medigap plans. New enrollees can choose from eight of the 10 standardized plans: A, B, D, G, K, L, M, and N. As of Jan. 1, 2020, Plans C and F are not available to newly eligible customers.
Keep in mind that the standardized plans vary in the amount of gap coverage provided, so it’s vital to compare plan benefits. Deductibles, out-of-pocket limits, copayments, and coinsurance are not the same across the board. Below is a look at some of the most popular Medigap plans for healthy older adults and the types of seniors and other Medicare beneficiaries we’d recommend them for.
Healthy Seniors Who Want Basic Coverage With Low Premiums
Healthy older adults without chronic medical conditions or who will rarely use their Medicare benefits may not want to pay for benefits they don’t need. Plans with higher deductibles, such as Plan K and High-Deductible Plan G, offer lower premiums than most other supplemental plans. It’s important to remember that unexpected out-of-pocket expenses can wreak havoc on your wallet if your health condition changes and you require services.
Money Tip: Need help controlling your finances in retirement? Check out our guide to the best budgeting apps for seniors.
Active Seniors Who Love to Travel Internationally
Is traveling abroad on your post-retirement bucket list? Without the proper Medigap plan, experiencing a medical emergency while out of the country can be costly. Explore Medigap plans C, D, F, G, M, or N, because those six plans include 80 percent coverage of qualifying foreign travel emergency care costs.
» Related Reading: Best Travel Insurance for Seniors
Seniors Who Want Comprehensive Coverage Without Paying Full Price
Many healthy seniors want the peace of mind that comes from having a comprehensive Medigap plan. Medigap Plan N offers similar coverage to higher-premium Plan G. Plan N comes in at a lower cost, however, because you’ll be responsible for some office and emergency room visits ($20 and $50 copays, respectively).
How Do I Buy Medigap Insurance?
Medigap insurance is sold through private insurance companies such as the ones we detailed above, along with numerous others, including Aetna and Colonial Penn. Buying Medigap insurance is like purchasing auto or home insurance; you want to shop around and obtain at least three quotes from carriers.
Did You Know? If you’re a Massachusetts, Minnesota, or Wisconsin resident, your state offers different standardized Medigap plans. Enter your ZIP code on the Medicare.gov website to explore the policies offered in your state.
Medigap plan options vary from state to state, but the plan coverage is standardized. That means each Medigap plan remains the same, no matter which company you decide to enroll with. Plan N from Blue Cross Blue Shield, for example, has exactly the same coverage as Plan N from UnitedHealthcare.
Once you’ve decided on the best Medigap plan for your needs and thoroughly compared quotes, purchasing a plan is fairly simple. You can enroll online with most insurance companies, as well as over the phone or via a mail-in application.
When Should I Enroll in a Medicare Supplement Plan?
The best time to enroll in a Medigap plan is during your six-month initial enrollment period. Initial enrollment automatically begins the month you turn 65 and have enrolled in Medicare. During that six-month period, healthcare companies are federally required to provide Medigap plans with no questions asked. You cannot be denied a policy or charged a higher rate due to preexisting health conditions.
Plan options and pricing premiums are best during your six-month Medigap initial enrollment. You can enroll in your state’s Medigap benefits at any time, but you may not be able to buy a policy after the initial six-month period. If you can buy one, it may cost more due to past or present health problems.
FYI: Many Medigap beneficiaries also have a Part D drug plan to help with prescription drug coverage.
Five Ways Older Adults Can Stay Healthy
Choosing the right health insurance is just one part of staying on top of your health as you age. It’s important to prioritize taking care of our bodies and minds. If you maintain a healthy lifestyle, you can fully enjoy your hard-earned years of retirement.
The Centers for Disease Control and Prevention recommends older adults get moderate-intensity aerobic activity, such as brisk walking, for 30 minutes a day, five days a week. They also recommend muscle-strengthening activities on two or more days each week that work your major muscle groups, including your legs, hips, back and arms. 4
Boost your quality of life by including these actions in your daily routine:
- Move your body. Getting a daily dose of exercise helps older adults reduce the risk of chronic conditions such as diabetes, heart disease, dementia, memory loss, and some cancers.5 Physical activity boosts your mood, releasing endorphins to relieve stress, combat depression, and help you sleep soundly.
- Boost your brain. Along with your body, your brain needs routine exercise! Keeping your mind sharp with mentally stimulating activities helps prevent cognitive impairment. Brain games such as playing chess, video games, and memory games keep your mind engaged and activated.
- Eat smart. As you grow older, your metabolism (how your body gets energy from food) can slow down, and your body composition (the amount of fat and muscle) may be different from when you were younger. Fuel your body with nutrient-rich fruits, veggies, and lean proteins.
- Embrace a hobby. Whether you’re tending your garden, teaming up with a tennis partner, or working on your latest quilt, hobbies are an important part of self-care. Consider what you’re passionate about or interested in exploring, and go for it!
- Build strength and balance. As we age, our muscles lose elasticity. Keeping balance is an important part of fall prevention. Millions of people ages 65 and older fall each year. More than 1 out of 4 older people fall annually. Fall prevention and educating yourself on fall safety tips can protect you in the future.
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National Library of Medicine. (2012). Does Physical Activity Increase Life Expectancy? A Review of the Literature.
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Cigna. (2025). The Cigna Group Reports Fourth Quarter and Full Year 2024 Results, Establishes 2025 Outlook and Increases Dividend.
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Cigna. (2025). Member Discounts.
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CDC. (2025). Older Adult Activity: An Overview.
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National Institute on Aging. (2025). Exercising With Chronic Conditions.