I am retired and live > 1 hour from Rochester. I have Medicare and additional coverage from Mayo. Imagine my surprise when I was told by Medica that there is no 'Silver Sneaker' coverage under our plan. In other words, in order for me to get any help with fitness costs, I guess I have the DAHLC as my only choice. I don't know of any seniors that don't have SS or Silver N Fit on their health plan. Apparently you can only retire to the Rochester area.