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ACA Wellness Programs

Health insurance companies are increasingly offering incentive programs for individual/family enrollees, but you might not know about them unless you ask. These rewards programs are fairly new in the ACA-compliant individual market, with most debuting in just the last year or so.

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We put together a list for you here!

What does each insurer offer?

1

Ambetter

  • With Ambetter’s My Health Pays program, plan enrollees earn points for certain actions, including an annual wellness exam and preventive screenings, disease management, online surveys, and various healthy activities. Members who complete all of the available activities can earn enough points to receive $500 in rewards – and those rewards can be redeemed to cover out-of-pocket health care costs, utilities and other monthly bills, and various other everyday financial needs.

2

Anthem

With Anthem’s Smart Rewards program, enrollees can earn $25 when they see their doctor for a well-check within 90 days of the date their plan takes effect. Policyholders can also earn $20 for completing a health assessment

3

Cigna

  • With Cigna’s Take Control Rewards program, plan buyers can earn up to $275 that can be used to cover healthcare costs or purchase a variety of merchandise, including tech gadgets and sporting equipment. After enrollment in the rewards program, members complete a brief health assessment and then start earning rewards for actions such as getting an annual physical and flu shot, and participating in online wellness activities.

4

Molina

  • With Molina’s My Health Perks program, members can earn a $50 gift card if they see their primary care provider for an annual wellness exam and complete a Health Risk Assessment on the My Molina portal.

5

Oscar

  • With Oscar’s Step Rewards program, members can earn up to $100 per year by syncing a step tracker with the Oscar app, and hitting daily step goals. Members can earn $1/day when they meet step goals, up to $100/year, redeemable for an Amazon gift card.

6

United Health Care

  • Enrollees can receive one year of free access to the Peloton app, plus discounts for certain health clubs and online coaching programs. Enrollees who complete an annual visit with their primary care provider can get a $25 gift card to Walmart, Walgreens, or Amazon.

Making Your Selection

While these programs are a nice perk they should not be the main deciding factor in selecting a plan that is right for you.  The plan cost, our of pocket expenses, deductible, and overall coverage should play the largest factor in your plan selection.

But getting a some nice perks doesn't hurt!

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