How I got a FREE Apple Watch and Other Benefits Your Health Plan May Offer
If you have a health insurance plan most likely you have free wellness benefits that you either aren’t aware of or aren’t taking advantage of.
So, how did I get a FREE Apple watch? I bought an Apple Watch and submitted the receipt to my insurance company as part of their “Wellness Wallet” program and they reimbursed me for the cost. Now, not every insurance company will offer this specific benefit but most of them offer some program that pays you for keeping up with your health.
Some plans give you a set dollar amount as part of your plan and some will pay you for completing wellness activities.
Here are some of the major health insurance providers and a sampling of the benefits that they offer – keep in mind that your specific health plan rewards may vary.
Ambetter – “My Health Pays”
The My Health Pays program pays you for the healthy decisions you make. Earn reward dollars for doing things like completing your annual wellness screening or learning new ways to be healthy. You can earn up to $500 annually that you can use for things like:
- Monthly premium payments
- Doctor Copays
- Deductibles
- Coinsurance
- Utilities (Gas, Water, Electric)
- Telecommunications (Cell Phone Bill)
- Transportation, Education, Rent, Childcare
AmeriHealth – Rewards and Extra Benefits
- “Care Card” – Receive rewards (up to $250 annually) for completing health related activities. Activities include:
- Complete a Health Risk Assessment
- Get a Flu Shot
- Tobacco Cessation
- Care Management
- No cost car seats and booster seats (up to $129)
- WW (formerly Weight Watchers) Membership (up to 6 months, up to $250)
Anthem/BCBS – “My Rewards”
Get rewarded for the effort you put into boosting your health.
Earn rewards dollars for completing certain activities. Here is a sampling of the rewards you can earn:
- Complete your annual wellness exam ($25)
- Complete your health profile by answering questions overall health, medical history, diet, and exercise ($20)
- Receive a flu shot ($20)
- Complete your annual eye exam ($25)
- Receive rewards for completing a telephonic weight management and/or smoking cessation program ($25 each)
- Connect a fitness app or device ($5) and track active minutes ($2/50K steps – $60 annual maximum)
- …and more
Silver Sneakers program for seniors offers free to low cost gym memberships (available with select plans)
Harvard Pilgrim Health Care – “Living Well Everyday”
Earn rewards for participating in a variety of informative, fun and interactive activities including:
- Healthy eating
- Physical activity
- Financial wellness
- Volunteerism
- Health plan literacy
- Mindfulness and meditation
- Self-care
- Stress management
- Environmental wellness
- $150 Reimbursement for Fitness Membership (some family plans will reimburse up to 2 Members ($300) per plan)
Martin’s Point – “Wellness Wallet”
Your flexible Wellness Wallet benefit reimburses up to your plan’s annual amount ($200 – $450 annually depending on your plan) for a wide range of eligible gear, fees, and services that help keep you moving, indoors and out!
Here are some examples of reimbursable goods/services (this in not a complete list – check your plan for full details):
- Membership Fees and Day/Season Passes:
- Bowling
- Golf/Mini Golf
- Skiing
- YMCA
- Classes/Lessons:
- Dance
- Horseback Riding
- Martial Arts
- Yoga
- Equipment:
- Bicycles/Bicycle Helmets
- Fishing Rod and Tackle
- Fitness Sneakers
- Fitness Trackers (Including Apple Watches and other Smart Watches)
- Eyewear (note: some plans include a separate eyewear benefit so eyewear would not be eligible for those plans)
- Prescription Lenses
- Contact Lenses
- Frames
- Fitness
- Personal Trainer at a facility
- Workout Videos, Streaming Apps, and Subscriptions
- Nutrition/Dietary
- Nutrition/Dietary Classes
- Nutrition/Dietary Counseling
- Weight Management Program
- Weight Watchers (Food not reimbursable)
New Hampshire Healthy Families – “My Health Pays”
Get rewarded for focusing on your health
Use Your My Health Pays® rewards to help pay for:
- Rent
- Cell phone bill
- Utilities
- Transportation
- Telecommunications
- Childcare services
- Education
- Expenses for dental, chiropractic, and other medical services
Or, you can use them to:
- Shop at Walmart for everyday items (may not be used for tobacco, alcohol, or firearms)
Earn rewards for the following:
- $15 to $30 – Health Risk Assessment Screening.
- $20 – Infant and Well Child Visits
- $20 – Child Well Visit (Ages 2-21)
- $20 – Adult Well Visit (Ages 21 and up)
- $20 – Prostate Exam / Prostate Cancer Screening (Ages 50 and up. One per calendar year.)
- $20 – Breast Cancer Screening (Ages 40-74. One per calendar year)
- $20 – Cervical Cancer Screening (Ages 18-65)
- $20 – Flu Vaccine (September – April; ages 6 months and up. One per flu season)
- $30 – Diabetes Care: HbA1c Test (Ages 18-75)
- $30 – Diabetes Care: Retinopathy Screening (Ages 18-75. One per calendar year)
- $20 – Cigarettes, Smokeless Tobacco or Vaping Cessation (Must complete 6 health coaching sessions. Ages 12 and up.)
- $115 in the first year – Ready for my Recovery Program (Ages 12 and up.)
$25 – One month of continuous engagement in one billable recovery service
$30 – Six months of continuous engagement in two or more billable services
$30 – One year of continuous engagement in two or more billable services
$30 – My Recovery Journey Backpack including backpack, water bottle, self-
care kit, journal, pen, and Behavioral Health information and resources - $100 – Notification of Pregnancy Form for Expectant Mothers (if filled out within the first trimester.)
- $50 – Notification of Pregnancy Form for Expectant Mothers (if filled out within the second trimester.)
- $50 – Mental Health Champion (Ages 12-20)
Keep in mind that your benefits can vary by plan so be sure to check the benefits for your specific insurance plan
What is your favorite wellness perk offered by your insurance company?
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