My experiences - I have Aetna Medical Insurance thru my pension plan. Aetna pays for "Silver Sneakers" membership for me regardless of what fitness center I sign up and go too.

I'm currently a member of Snap 24/7, Chuz, LA Fitness and Platnum fitness center.

I may have to pay a few bucks for a door pass but memberships are free thru Silver Sneakers once I show the downloaded form from the Insurance company.

Another free membership is thru "Silver and Fit".