Which medical insurance firms supply reductions on health trackers and smartwatches?
Best reply: Blue Cross Blue Shield and Kaiser supply normal reductions on Fitbit, Garmin, and different health manufacturers. Aetna, Cigna, Humana, and United Health will allow you to earn a “free” health tracker by finishing and logging tracked exercises. Most manufacturers supply discounted health club memberships or reimbursements as nicely.
Why do well being insurers supply reductions on health tech?
It’s not shocking that medical insurance firms would give you free health tech, tons of off your medical payments, or sponsored health club memberships. The more healthy you might be, the much less your insurer must pay on medical prices in the long term.
For these insurers that ask you to earn factors by way of exercises — Aetna, Cigna, Humana, and United Health — you will be requested to finish an annual well being work-up to personalize your health targets. This additionally incentivizes getting sufferers into the physician’s workplace to catch another points early.
So whilst you would possibly doubt that your insurer would supply discounted fitness trackers or invoice discount with no catch, it is a real supply that you need to reap the benefits of if you wish to get healthier this year.
We’ve checked the most well-liked U.S. medical insurance suppliers by market share and have discovered as many medical insurance health reductions on trackers and health club memberships as attainable. If your insurer is not listed beneath, search your member web site or do some Google looking out to examine for your self!
Aetna
Attain by Aetna (opens in new tab) enables you to slowly earn a free Apple Watch by finishing each day and weekly exercise targets primarily based in your weight, intercourse, and private well being historical past. Aetna will ship you the Apple Watch immediately, at which level you both have to complete your wellness targets each month for 2 years or ship in a month-to-month cost if you happen to slack off. If you have already got one, you possibly can earn factors in direction of a brand new watch or present playing cards. Unfortunately, it is particular to iOS customers solely.
Aetna additionally affords members health club membership financial savings for members or {couples}, letting you save probably tons of over every six-month interval.
Anthem Blue Cross Blue Shield
Blue365 (opens in new tab) is a devoted spot for all BCBS and HCSC members providing well being, health, and diet reductions, together with 25% off Garmin merchandise, as much as 32% off a Fitbit with a health club move membership, reductions on numerous wireless earbuds from Jabra, Aftershokz, and others, or 20% off a Withings Body Cardio scale or Withings Move.
BCBS additionally affords a $25 per 30 days health club move to 10,000 U.S. areas, whereas Anthem appears to supply a reimbursement type for attending the health club a sure variety of occasions per yr.
Cigna
The Cigna Healthy Rewards program affords 25% off numerous well being and wellness services and products, together with Active & Fit Direct (opens in new tab) — a program that ships “Stay Fit Kits” to eligible members, with a promotional code for a “free” Fitbit or Garmin tracker. It’ll additionally give you health club reductions at 11,000 areas nationwide. Unfortunately, you’ll have to pay for this system along with your insurance coverage.
You may log accomplishments by way of myCigna.com (opens in new tab), finishing weekly step targets to earn as much as $50 per 1,000 factors or as much as $500 per yr. If you purchase a health tracker to finish these targets, you will simply reimburse the worth over time, which is its personal form of low cost.
Humana
If your office enrolls in Go365 (opens in new tab), you possibly can take part within the wellness incentive program and earn factors for understanding. You merely hyperlink your favorite fitness app to the Go365 app and full beneficial actions (together with non-fitness actions like dental cleanings) to construct up factors. You can then convert these factors right into a free Fitbit or Garmin watch, e-gift playing cards for well-liked storefronts, or out of doors recreation equipment.
While Humana participates within the Silver Sneakers (opens in new tab) program for Medicare customers, we did not see another health club reimbursement plans with this insurance coverage.
Kaiser Permanente
If your group opted into the Kaiser ChooseHealthy (opens in new tab) program, you possibly can obtain some first rate medical insurance health reductions: 20% off the best Fitbit or Garmin trackers, 20% off Fitbit Premium, and 15% off Polar trackers. You’ll additionally discover 30-55% off exercise attire or train tools, amongst different offers.
Register an account, and you will find a variety of low cost affords. All it’s important to do is solely copy the supplied promo code, click on Redeem Offer, and soar to the related web page to obtain your low cost.
Like Cigna, Kaiser additionally enables you to enroll at a reduction to the Active&Fit (opens in new tab) program, that means you possibly can pay month-to-month for a less expensive health club membership and get a free Garmin or Fitbit equipment as a part of the bundle.
United Health
United Health (UH) has a Motion app (opens in new tab) that incentivizes getting hitting each day FIT targets (Frequency, Intensity, Tenacity) like shifting six occasions a day, doing a tough 30-minute exercise, or getting 10,000 steps in. Basically, eligible members can obtain a free Fitbit Charge 5 or Apple Watch and earn a number of {dollars} per day for finishing these targets. You can obtain a brand new machine each couple of years and should obtain a free Apple Fitness+ membership.
Otherwise, UH has a Sweat Equity Program that reimburses you as much as $200 in a six-month interval for finishing 50 tracked health club exercises; and it has a Medicare Renew Active program that gives a free health club membership, amongst different perks.
Ensuring your insurance coverage will get you wholesome
Not each medical insurance affords these sorts of perks, and a few insurances will differ primarily based on which state you reside in. But even when your supplier is not listed right here, you need to undoubtedly examine and see what your insurer affords
Discounts on health trackers will make it extra reasonably priced to trace your well being and bodily progress over time. And with the appropriate insurer, you need to use this knowledge as proof that you simply’re getting more healthy, with some discounted insurance coverage funds or free goodies to incentivize your health journey.
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