Funny thing about seniors... they seem to like knowing they have something like that even if they never use it. Sorry to hear that they are dropping it. Years ago when I was selling Humana, it was a great selling point.
While I agree there are many are like that
I do have enough that verify specific gyms that I know the utilization number is not as low as 4%
If they said 15% or so I would more agree based on that logic
but 4% no way
Honestly I think they just want to justify the change