{"id":249,"date":"2026-06-24T16:51:17","date_gmt":"2026-06-24T16:51:17","guid":{"rendered":"https:\/\/www.coveragefox.com\/knowledge-center\/?p=249"},"modified":"2026-06-24T16:54:21","modified_gmt":"2026-06-24T16:54:21","slug":"wellness-benefits-through-insurance","status":"publish","type":"post","link":"https:\/\/www.coveragefox.com\/knowledge-center\/wellness-benefits-through-insurance\/","title":{"rendered":"Health Insurance Wellness Benefits You Might Already Have Through Your Plan"},"content":{"rendered":"\n<div class=\"c-section c-section--not-top-padding  \" >\n    <div class=\"o-wrapper o-wrapper--small\">\n        <div class=\"c-section__content\">\n\n\n        <div class=\"o-component s-cms-content \" id=\"acf-cms-content-block_c543794b2a0c0f53f0113279cdcb2fdd\">\n                                      <p>Many <a href=\"https:\/\/www.coveragefox.com\/health-insurance-plans\/\">health insurance plans<\/a> now bundle wellness benefits like gym access, nutrition counseling, and wellness apps alongside traditional medical coverage. These valuable perks are designed to help you stay healthy and prevent illness, not just treat it when it occurs. By promoting proactive health management, these wellness benefits support your overall well-being and can help reduce long-term healthcare costs.<\/p>\n                   <\/div>\n\n\n        <div class=\"o-component s-cms-content \" id=\"acf-cms-content-block_ae6e276fb4f77a2dc413a3dc6678c3f9\">\n                            <h2 >Key Takeaways<\/h2>                                      <ul>\n<li>Health insurance wellness benefits can include gym memberships, fitness reimbursements, dietitian visits, wellness apps, wearable device discounts, smoking-cessation support, and mental health tools.<\/li>\n<li>What\u2019s covered and what you pay varies widely by insurer, metal tier, and state\u2014especially across ACA Marketplace plans, Medicare Advantage, and employer plans.<\/li>\n<li>Coverage Fox helps individuals and families compare ACA health plans and clearly see which wellness benefits are included before enrollment.<\/li>\n<li>Wellness rewards typically come as gift cards or credits, not direct premium reductions, though they can offset out-of-pocket costs significantly.<\/li>\n<\/ul>\n                   <\/div>\n\n\n        <div class=\"o-component s-cms-content \" id=\"acf-cms-content-block_1da26a43694e3b4eb3f724645eefe497\">\n                            <h2 >What Are Health Insurance Wellness Benefits?<\/h2>                                      <p>Wellness benefits are extras or built-in programs health plans offer to help members stay healthy by supporting overall well-being, including both physical and mental health rather than simply treating illness. Think of them as preventive investments your insurer makes in your well being\u2014from fitness incentives to nutrition resources and digital coaching tools.<\/p>\n<p>In the U.S., wellness benefits increasingly show up in ACA Marketplace plans, job-based coverage, and Medicare Advantage plans. Since around 2020, insurers have pushed harder toward preventive care as chronic conditions now account for 90% of the $4.1 trillion in annual healthcare spending.<\/p>\n<p>These benefits are typically optional add-ons or embedded features:<\/p>\n<ul>\n<li>Fitness programs and gym reimbursements<\/li>\n<li>Preventive screenings at $0 when in-network<\/li>\n<li>Nutrition counseling and dietitian access<\/li>\n<li>Mental health support and telehealth<\/li>\n<li>Digital health tools and wellness apps<\/li>\n<\/ul>\n<p>Coverage Fox, as a licensed broker, does not run these wellness programs itself but helps consumers compare which plans offer which wellness perks. Some programs even let you earn rewards\u2014gift cards, statement credits, or health savings\u2014for completing activities like annual checkups or reaching step goals.<\/p>\n                   <\/div>\n\n\n        <div class=\"o-component s-cms-content \" id=\"acf-cms-content-block_6f91569366235295a2da1dfbf5fad47a\">\n                            <h2 >Common Types of Wellness Benefits in Health Insurance Plans<\/h2>                                      <p>Specific wellness benefits vary, but most fall into a few major categories:<\/p>\n                   <\/div>\n\n\n\n<div class=\"o-component c-simple-table js-simple-table js-expandable-content\" id=\"acf-general-simple-table-block_c2a265c70595c18dc1d282c547246be2\">\n    <div class=\"c-simple-table__indicator js-simple-table-indicator\">\n        Scroll for more \n        <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.coveragefox.com\/knowledge-center\/wp-content\/themes\/coveragefox\/assets\/images\/components\/simple-table\/icon-scroll.svg\" alt=\"\" aria-hidden=\"true\" width=\"30\" height=\"30\">\n    <\/div>\n    <div class=\"c-simple-table__content\">\n    <table class=\"c-simple-table__table\"><thead><tr><th>Category<\/th><th>Examples<\/th><\/tr><\/thead><tbody><tr><td>Preventive Care<\/td><td>Annual wellness visits, screenings, immunizations<\/td><\/tr><tr><td>Fitness<\/td><td>Gym memberships, home workout access, senior programs<\/td><\/tr><tr><td>Nutrition<\/td><td>Dietitian visits, weight management, meal planning<\/td><\/tr><tr><td>Digital Tools<\/td><td>Wellness apps, telehealth, coaching platforms<\/td><\/tr><tr><td>Lifestyle Programs<\/td><td>Smoking cessation, pregnancy support, chronic care<\/td><\/tr><tr><td>Rewards<\/td><td>Points for checkups, gift cards for meeting goals<\/td><\/tr><\/tbody><\/table>    <\/div>\n    <\/div>\n<div class=\"o-component s-cms-content\">\n    <p>Many ACA Marketplace plans for 2026 still include $0 preventive services when using in-network providers, and some add separate wellness perks at no extra premium. However, coverage for preventive services may depend on individual cases and provider circumstances, so it\u2019s important to check your plan details. Short-term health insurance plans often have fewer or no wellness benefits compared with standard ACA-compliant coverage.<\/p>\n<\/div>\n\n        <div class=\"o-component s-cms-content \" id=\"acf-cms-content-block_cf5e1f640eca67353a79668d65bdaac5\">\n                            <h2 >Preventive Health &amp; Screening Benefits<\/h2>                                      <p>Most ACA-compliant health plans must cover a list of preventive services at $0 when using in-network providers. These form the foundation of your plan\u2019s health and wellness offerings.<\/p>\n<p><strong>Examples of covered preventive services include:<\/strong><\/p>\n<ul>\n<li>Annual wellness visits<\/li>\n<li>Blood pressure and cholesterol screenings<\/li>\n<li>Diabetes screenings<\/li>\n<li>Childhood immunizations and flu shots<\/li>\n<li>Cancer screenings (mammograms, colonoscopies)<\/li>\n<li>Certain pregnancy-related services for women<\/li>\n<\/ul>\n<p>While these aren\u2019t \u201cgym perks,\u201d they\u2019re core wellness benefits built into nearly all Marketplace plans and many employer plans. Members usually pay no copay or coinsurance for recommended preventive services, even before meeting their deductible.<\/p>\n<p>Coverage can vary by age and risk factors. Approximately 75% of Marketplace enrollees utilize preventive services annually, which helps prevent costly complications. For official lists, visit <a href=\"https:\/\/www.healthcare.gov\/coverage\/preventive-care-benefits\/\" rel=\"noopener\">Healthcare.gov\u2019s preventive services page<\/a> and confirm details with your insurer.<\/p>\n                   <\/div>\n\n\n        <div class=\"o-component s-cms-content \" id=\"acf-cms-content-block_08d76c5a2c673d6b2cba17c5f38211dc\">\n                            <h2 >Fitness Benefits: Gym Memberships, Home Workouts &amp; Senior Programs<\/h2>                                      <p>Many insurers now partner with national gym networks or fitness platforms to encourage regular exercise as part of your wellness journey.<\/p>\n<p><strong>How fitness benefits typically work<\/strong>:<\/p>\n<ul>\n<li><strong>Gym reimbursements<\/strong>: Some employer and ACA plans offer partial reimbursement when members meet the minimum number of monthly gym visits required for the benefit. Submit proof of 8\u201312 visits per month to receive $15\u2013$40 in credits.<\/li>\n<li><strong>Discounted access<\/strong>: Plans may provide discounted or included access to gym networks, virtual fitness classes, yoga and Pilates studios, and at-home workout platforms through a wellness portal.<\/li>\n<li><strong>Senior programs<\/strong>: Medicare Advantage plans frequently include senior-focused fitness programs at no additional premium, with access to over 15,000 community centers and online classes.<\/li>\n<\/ul>\n<p>Some participatory programs in health insurance allow individuals to earn rewards or receive gym membership discounts just for signing up, without needing to meet specific health goals.<\/p>\n<p>Important: Basic Medicare (Part A and B) generally does not cover gym memberships. Fitness benefits usually come from Medicare Advantage plans or private insurance.<\/p>\n<p>Coverage Fox can help shoppers compare which ACA Marketplace plans in their state advertise gym reimbursement, fitness discounts, or bundled fitness apps as part of their 2026 offerings.<\/p>\n                   <\/div>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"720\" height=\"320\" src=\"https:\/\/www.coveragefox.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2026\/06\/image-01.png\" alt=\"Active mature women enjoying training in dance studio, dance class for adults\" class=\"wp-image-254\" srcset=\"https:\/\/www.coveragefox.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2026\/06\/image-01.png 720w, https:\/\/www.coveragefox.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2026\/06\/image-01-300x133.png 300w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" \/><\/figure>\n<\/div>\n\n        <div class=\"o-component s-cms-content \" id=\"acf-cms-content-block_c9d56a78d223b1dd2ee81a4197ef2f17\">\n                            <h2 >Nutrition Support: Dietitians, Weight-Management &amp; Wellness Coaching<\/h2>                                      <p>Nutrition is a major pillar of wellness benefits, supporting both mind and body by promoting mental clarity, emotional well-being, and physical health. Especially for weight management, diabetes, heart disease, pregnancy, and digestive issues, many people looking to lose weight or improve mindful eating habits can access professional support through their insurance.<\/p>\n<p><strong>What nutrition coverage typically includes<\/strong>:<\/p>\n<ul>\n<li>Visits with registered dietitians when medically necessary (for diabetes, chronic kidney disease, obesity, or post-bariatric surgery)<\/li>\n<li>Telehealth nutrition visits for little or no out-of-pocket cost<\/li>\n<li>Structured weight-management or healthy eating programs<\/li>\n<li>Personalized meal plans and group coaching<\/li>\n<li>Rewards for meeting health goals like reducing A1C readings<\/li>\n<\/ul>\n<p>Data shows 40% of silver\/gold Marketplace plans include nutrition support, compared to just 15% of bronze plans. Some platforms offer incentives when members attend nutrition coaching sessions or track their meals.<\/p>\n<p>Before scheduling sessions, verify if dietitian visits are covered under preventive benefits, mental health benefits, or a disease management program. Ask about preauthorization or referral requirements from your provider.<\/p>\n                   <\/div>\n\n\n        <div class=\"o-component s-cms-content \" id=\"acf-cms-content-block_f08359915a68e5fff028e380796482dd\">\n                            <h2 >Wellness Apps, Telehealth &amp; Digital Coaching Tools<\/h2>                                      <p>Many health plans now include app-based wellness tools for 24\/7 support, habit tracking, and remote care. About 70% of major plans offer free access to these digital resources.<\/p>\n<p><strong>Common digital wellness features:<\/strong><\/p>\n<ul>\n<li>Free meditation, stress-management, or sleep apps (similar to Headspace or Calm)<\/li>\n<li>Proprietary wellness apps tracking steps, nutrition, and mood<\/li>\n<li>Structured coaching programs for weight loss, better sleep, or smoking cessation<\/li>\n<li>Gamified engagement with badges, streaks, and progress levels<\/li>\n<li>$0 or low-cost telehealth visits with doctors, therapists, and dietitians<\/li>\n<\/ul>\n<p>To activate these tools, members typically download the insurer\u2019s app, create an online account, or enter their member ID inside a partner app. Coverage Fox can help shoppers identify ACA Marketplace plans where virtual primary care, mental health teletherapy, or digital wellness tools are highlighted as major features.<\/p>\n                   <\/div>\n\n\n        <div class=\"o-component s-cms-content \" id=\"acf-cms-content-block_6fe7ff8a8055d116e554c91134bddc03\">\n                            <h2 >Wearable Devices, Discounts &amp; Activity Tracking<\/h2>                                      <p>Some wellness programs connect to wearable devices like Apple Watch, Fitbit, or Garmin to measure steps, heart rate, and activity minutes.<\/p>\n<p><strong>How wearable benefits work:<\/strong><\/p>\n<ul>\n<li>Discounts on devices or \u201cearn down\u201d programs where you lower cost by meeting activity targets<\/li>\n<li>Points or dollars for meeting weekly step goals or completing verified workouts<\/li>\n<li>Motivation to reach new milestones or activity goals, with rewards redeemable for gift cards, premium credits, or wellness products<\/li>\n<\/ul>\n<p>Members meeting activity targets can earn $100\u2013$300 per year in rewards. Before connecting your wearable to an insurer\u2019s portal, review data-sharing policies and opt-in settings.<\/p>\n<p>Wearable integrations are more common in employer plans and Medicare Advantage, though some ACA Marketplace plans also highlight step-based rewards in their 2025 materials.<\/p>\n                   <\/div>\n\n\n        <div class=\"o-component s-cms-content \" id=\"acf-cms-content-block_b4a315bbe6b9f217854e53e74f72d569\">\n                            <h2 >Lifestyle, Behavioral &amp; Condition-Specific Wellness Programs<\/h2>                                      <p>Beyond fitness and nutrition, many plans offer targeted wellness programs for specific lifestyles, life stages, and chronic conditions. These programs are designed to hold members accountable and provide empathetic support throughout their health journey, ensuring a supportive environment as they work toward sustainable health goals.<\/p>\n<p><strong>Common program types<\/strong>:<\/p>\n                   <\/div>\n\n\n\n<div class=\"o-component c-simple-table js-simple-table js-expandable-content\" id=\"acf-general-simple-table-block_9bf64a8b838b45a75c9f2c53132976ef\">\n    <div class=\"c-simple-table__indicator js-simple-table-indicator\">\n        Scroll for more \n        <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.coveragefox.com\/knowledge-center\/wp-content\/themes\/coveragefox\/assets\/images\/components\/simple-table\/icon-scroll.svg\" alt=\"\" aria-hidden=\"true\" width=\"30\" height=\"30\">\n    <\/div>\n    <div class=\"c-simple-table__content\">\n    <table class=\"c-simple-table__table\"><thead><tr><th>Program Type<\/th><th>What\u2019s Included<\/th><\/tr><\/thead><tbody><tr><td>Smoking\/Vaping Cessation<\/td><td>Counseling, nicotine-replacement therapy coverage<\/td><\/tr><tr><td>Alcohol-Use Support<\/td><td>Counseling and resources<\/td><\/tr><tr><td>Maternity\/Postpartum<\/td><td>Pregnancy education, virtual doulas, breastfeeding support<\/td><\/tr><tr><td>Chronic Condition Management<\/td><td>Education, coaching, remote monitoring for diabetes, hypertension, heart disease, asthma<\/td><\/tr><tr><td>Specialized Support<\/td><td>LGBTQ+ health needs, caregiver stress, mental health resilience<\/td><\/tr><\/tbody><\/table>    <\/div>\n    <\/div>\n<div class=\"o-component s-cms-content\">\n    <p>If you manage chronic health issues, ask prospective insurers about condition-specific wellness programs before choosing a plan.<\/p>\n<\/div>\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"720\" height=\"320\" src=\"https:\/\/www.coveragefox.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2026\/06\/image-02.png\" alt=\"Baby movement class. Parents helping babies to improve motor skills, proper movement on fitball. Pediatric physical therapist leading class. Mothers exercising with babies.\" class=\"wp-image-255\" srcset=\"https:\/\/www.coveragefox.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2026\/06\/image-02.png 720w, https:\/\/www.coveragefox.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2026\/06\/image-02-300x133.png 300w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" \/><\/figure>\n<\/div>\n\n        <div class=\"o-component s-cms-content \" id=\"acf-cms-content-block_414c32292681dcf2b4a24d5ea1fe6d60\">\n                            <h2 >Rewards, Incentives &amp; Wellness Discounts<\/h2>                                      <p>Many wellness programs use financial incentives to motivate healthy behaviors and engagement in preventive care.<\/p>\n<p><strong>Typical reward structures<\/strong>:<\/p>\n<ul>\n<li>Points or dollars for completing health assessments, annual physicals, or vaccinations.<\/li>\n<li>\u201cHealth perks\u201d or \u201cwellness dollars\u201d ($200\u2013$300 per year) for linking accounts or completing challenges.<\/li>\n<li>Discounts on over-the-counter wellness products, vitamins, vision and dental services, or hearing aids.<\/li>\n<li>Some employer plans offer small premium credits for program participation.<\/li>\n<\/ul>\n<p>Members can spend their earned rewards on food, groceries, or other wellness-related activities, depending on the plan\u2019s specific offerings.<\/p>\n<p>All rewards and discounts are subject to change each plan year, and availability varies by state and plan type. Coverage Fox can help consumers compare ACA plans that feature robust rewards, especially for people ready to take advantage of wellness activities.<\/p>\n                   <\/div>\n\n\n        <div class=\"o-component s-cms-content \" id=\"acf-cms-content-block_9d5cce9da92e3007203305947456d66e\">\n                            <h2 >How to Check Which Wellness Benefits Your Plan Offers<\/h2>                                      <p>Wellness benefits are not standardized. Two bronze or silver ACA plans in the same county can have very different wellness perks.<\/p>\n<p><strong>Step-by-step guidance<\/strong>:<\/p>\n<ol>\n<li>Review your Summary of Benefits and Coverage (SBC)<\/li>\n<li>Read the plan\u2019s Evidence of Coverage or Certificate of Coverage<\/li>\n<li>Visit the insurer\u2019s member portal or mobile app after enrollment<\/li>\n<li>Look for sections labeled \u201cWellness &amp; Rewards,\u201d \u201cFitness Programs,\u201d \u201cCare Management,\u201d or \u201cValue-Added Services\u201d<\/li>\n<\/ol>\n<p><strong>Questions to ask your insurer or broker<\/strong>:<\/p>\n<ul>\n<li>Is there a gym reimbursement program?<\/li>\n<li>Are dietitian visits covered, and under what conditions?<\/li>\n<li>Are wellness apps or mental health tools included at no extra cost?<\/li>\n<li>Are there rewards for annual checkups or meeting activity goals?<\/li>\n<\/ul>\n<p>Coverage Fox\u2019s licensed agents can walk consumers through side-by-side comparisons of Marketplace plans and highlight which wellness benefits matter most given your age, health status, and family needs.<\/p>\n                   <\/div>\n\n\n        <div class=\"o-component s-cms-content \" id=\"acf-cms-content-block_135d6dd27b7d7910b9026f00557f4194\">\n                            <h2 >Choosing a Plan Based on Wellness Benefits with Coverage Fox<\/h2>                                      <p>Coverage Fox helps individuals and families find ACA Marketplace plans that support both treatment and prevention.<\/p>\n<p>During Open Enrollment and Special Enrollment Periods, Coverage Fox helps shoppers see premiums, deductibles, and non-monetary perks like fitness programs, apps, and wellness rewards.<\/p>\n<p><strong>How an agent might help<\/strong>:<\/p>\n<ul>\n<li>A fitness-focused person might prioritize plans with robust gym perks and wearable rewards<\/li>\n<li>Someone with diabetes might focus on strong nutrition counseling and disease management programs<\/li>\n<li>A family with young children might value pregnancy and maternity support<\/li>\n<\/ul>\n<p>Coverage Fox is an independent broker, so guidance focuses on matching consumers with suitable plans\u2014not pushing a single insurer\u2019s wellness program. Before calling or chatting with a Coverage Fox agent, prepare a short wish list of wellness benefits you want to achieve your health goals.<\/p>\n                   <\/div>\n\n\n\n        <div class=\"c-cta-widget\">\n            <div class=\"c-cta-widget__content\">\n                                    <h2 class=\"c-cta-widget__title\">Ready to Compare Wellness-Focused Health Plans?<\/h2>\n                                                    <div class=\"s-cms-content\">\n                        <p>Talk with a licensed Coverage Fox agent to explore ACA Marketplace plans in your area and find coverage that fits both your healthcare needs and wellness goals. Use our <a href=\"https:\/\/www.coveragefox.com\/plan-comparison-overview\/\">health plan comparison guide<\/a> to better understand premiums, deductibles, provider networks, and wellness benefits before enrolling.<\/p>\n<p>Coverage Fox can help you <a href=\"https:\/\/www.coveragefox.com\/plan-comparison-overview\/\">compare plans online<\/a> or call <a href=\"tel:888-676-4710\">888-676-4710<\/a> to get started.<\/p>\n                    <\/div>\n                                <div class=\"c-form-field c-form-field__wrapper\" id=\"cta-widget\"><\/div>\n            <\/div>\n            <picture class=\"c-cta-widget__pic\">\n              <source media=\"(min-width: 43.75em)\" \n              srcset=\"https:\/\/www.coveragefox.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2026\/01\/Ima-family-lg.webp, \n              https:\/\/www.coveragefox.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2026\/01\/Ima-family-lg_2x-746x688.webp 2x\">\n              <img decoding=\"async\" class=\"c-cta-widget__img\" \n              src=\"https:\/\/www.coveragefox.com\/knowledge-center\/wp-content\/themes\/coveragefox\/assets\/images\/components\/hero\/ima-main-banner-lg.webp\" \n              srcset=\"https:\/\/www.coveragefox.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2026\/01\/Ima-family-lg.webp 2x\" \n              alt=\"\" loading=\"lazy\" width=\"280\" height=\"266\">\n            <\/picture>\n        <\/div>\n        \n\n                        <\/div>\n            <\/div>\n<\/div>\n\n\n\n    <div class=\"c-section c-section--bg-white c-section--not-top-padding\" id=\"acf-general-faqs-block_0baffd08e78c7e3bfd52a88ad1d2cd4e\">\n        <div class=\" o-wrapper o-wrapper--small c-section__content\">\n        <div class=\"c-section-header\">\n            <div class=\"c-section-header__content\">\n                <h2 class=\"c-section-header__title c-section-header__title--medium c-section-header__title--centered\">Frequently Asked Questions About Health Insurance Wellness Benefits<\/h2>\n            <\/div>\n        <\/div>\n        <div class=\"c-faqs\">\n                                                <details class=\"c-faqs__details\" open>\n                        <summary class=\"c-faqs__summary\">\n                            <h3 class=\"c-faqs__question\">Do ACA Marketplace plans include wellness benefits beyond preventive care?<\/h3>\n                        <\/summary>\n                        <div class=\"c-faqs__answer\">\n                            <div class=\"s-cms-content\">\n                                <p>ACA Marketplace plans cover certain preventive services at $0 in-network, but extra wellness benefits like gym memberships, apps, or rewards vary by insurer and metal level. Use Coverage Fox or a licensed agent to compare which plans offer wellness extras.<\/p>\n                            <\/div>\n                        <\/div>\n                    <\/details>\n                                        <details class=\"c-faqs__details\" >\n                        <summary class=\"c-faqs__summary\">\n                            <h3 class=\"c-faqs__question\">Are dietitian visits always covered, or only for certain conditions?<\/h3>\n                        <\/summary>\n                        <div class=\"c-faqs__answer\">\n                            <div class=\"s-cms-content\">\n                                <p>Coverage for dietitian visits depends on the plan and condition. Many cover nutrition counseling for diabetes, kidney disease, obesity, or pregnancy. Some require referrals or prior authorization. Check your plan for \u201cmedical nutrition therapy\u201d benefits.<\/p>\n                            <\/div>\n                        <\/div>\n                    <\/details>\n                                        <details class=\"c-faqs__details\" >\n                        <summary class=\"c-faqs__summary\">\n                            <h3 class=\"c-faqs__question\">Can wellness rewards lower my monthly premium?<\/h3>\n                        <\/summary>\n                        <div class=\"c-faqs__answer\">\n                            <div class=\"s-cms-content\">\n                                <p>Wellness rewards usually come as gift cards or points, not premium reductions. Some employers may offer small premium credits. Rewards can offset costs for groceries, fitness gear, or medicine.<\/p>\n                            <\/div>\n                        <\/div>\n                    <\/details>\n                                        <details class=\"c-faqs__details\" >\n                        <summary class=\"c-faqs__summary\">\n                            <h3 class=\"c-faqs__question\">Do short-term health insurance plans offer wellness benefits?<\/h3>\n                        <\/summary>\n                        <div class=\"c-faqs__answer\">\n                            <div class=\"s-cms-content\">\n                                <p>Short-term plans mainly cover catastrophic events and often lack wellness benefits like gym reimbursements or nutrition coaching. Preventive services may not be $0 covered. For wellness perks, choose ACA Marketplace plans and compare with Coverage Fox.<\/p>\n                            <\/div>\n                        <\/div>\n                    <\/details>\n                                        <details class=\"c-faqs__details\" >\n                        <summary class=\"c-faqs__summary\">\n                            <h3 class=\"c-faqs__question\">What happens to my wellness benefits if I switch plans or move states?<\/h3>\n                        <\/summary>\n                        <div class=\"c-faqs__answer\">\n                            <div class=\"s-cms-content\">\n                                <p>Wellness benefits are tied to your specific plan and insurer. Changing plans or states usually ends old benefits and starts new ones. Rewards may expire or not transfer, so redeem them before coverage ends. Consult a Coverage Fox agent before changes.<\/p>\n                            <\/div>\n                        <\/div>\n                    <\/details>\n                                        <\/div>\n                \n        <\/div>\n    <\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":13,"featured_media":253,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7],"tags":[],"class_list":["post-249","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-wellness"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.coveragefox.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/249","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.coveragefox.com\/knowledge-center\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.coveragefox.com\/knowledge-center\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.coveragefox.com\/knowledge-center\/wp-json\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/www.coveragefox.com\/knowledge-center\/wp-json\/wp\/v2\/comments?post=249"}],"version-history":[{"count":3,"href":"https:\/\/www.coveragefox.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/249\/revisions"}],"predecessor-version":[{"id":256,"href":"https:\/\/www.coveragefox.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/249\/revisions\/256"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.coveragefox.com\/knowledge-center\/wp-json\/wp\/v2\/media\/253"}],"wp:attachment":[{"href":"https:\/\/www.coveragefox.com\/knowledge-center\/wp-json\/wp\/v2\/media?parent=249"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.coveragefox.com\/knowledge-center\/wp-json\/wp\/v2\/categories?post=249"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.coveragefox.com\/knowledge-center\/wp-json\/wp\/v2\/tags?post=249"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}