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As a first step to finding out if youre eligible for free gym membership, review your health insurance plans benefits. Typically, you can log into your account through your insurers website to review what is included in your plan.
General liability insurance covers a wide range of personal trainer accidents and basic risks. Youll have financial protection if someone gets hurt in a training session or you are held responsible for damaging property that doesnt belong to you.
Does Blue Cross Blue Shield cover personal training? Blue Cross Blue Shield typically does not cover personal training. However, some BCBS plans offer wellness benefits, such as gym memberships or discounts on fitness services.
In general, for most people, the answer is no. There may be rare exceptions, such as a company that self-insures and sets its own criteria as to what is covered. Its possible that it might include costs for a personal trainer. More likely is it would cover all or part of the cost of belonging to a gym or health club.
Conclusions: Physical therapy is a covered benefit in a typical BCBS PPO health insurance plan. Physical therapy most often is combined with other therapy disciplines, and the number of covered visits is limited in two thirds of plans.

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Blue Cross Blue Shield typically does not cover personal training. However, some BCBS plans offer wellness benefits, such as gym memberships or discounts on fitness services. Personal training is considered an out-of-pocket expense in most cases.

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