You do your best to keep yourself healthy – and keep your health insurance costs as low as possible. Well, it turns out that your insurance company may want exactly the same thing! That’s why many of them offer “wellness programs,” which are often collections of incentives to help you feeling your best.
Health and fitness
Many insurances offer wellness plan benefits through the workplace, although individual plans can offer them directly to enrollees as well. These benefits often take the form of discounts on premiums and gym memberships. They may even include cash rewards.
Who benefits from wellness programs?
Both the enrollee and the insurance company can benefit from wellness programs. Typically, the company pays out less in coverage because the enrollee needs fewer services. The enrollee benefits because their health is so good, fewer services are necessary. Wellness programs can be especially helpful to those looking for diabetes management, smoking cessation support, weight-loss programs and preventative screenings.
Does your health insurance offer a wellness plan?
If you’re not sure whether or not your health insurance benefits include a wellness plan, talk to your insurance company. If you’re trying to decide between different insurance plans, contact a broker who can tell you about the possible wellness plans offered by each.