Is there a contract? And how much do you pay a monthly?

No contract. Pay in full or monthly or EFT.

I go on Silver Sneakers, most insurance plans. No charge if its on insurance...

There is a contract. There are multiple options, monthly and annual, as well as NRH resident and non-resident rates. My rate may not be what you are looking for. I suggest you see the website as rates are posted there.

Check their web site or if you go by pick up a folder which also has prices and events.

I'm on Medicare and Silver Sneakers allows free access under my policy. That said I would pay to go in tghe event my insurance discontinued paying.

There is a contract, they'll work out a payment plan. Amount depends on they event and how many attending.