Offering health related rewards benefits two separate but closely related parts of the policy: the insurance companies and the employers. The insurance will benefit because they are encouraging everyone to be more accountable with regular routine exams that are 100% paid for by the company. The employer will benefit from less out of pocket expenses being incurred and everyone can have a piece of the money saving pie. Everyone will benefit from a healthier lifestyle. Regular and annual exams will no only reduce medical expenditures but will help catch medical issues and treat them much cheaper and more successful.
In addition to these benefits there may be other hidden gems in your health insurance plan. Some plans are offering reimbursement for gym memberships and joining organized sports such as softball, basketball, and soccer. In addition to this some health insurance plans are offering funding for additional supplements, healthier foods, and even diet plans.
In some cases health insurance plans and employers are even joining together to create quit smoking classes to help educate employees and get them to quit smoking and the health insurance plans are covering smoking cessation products and drugs to aid in the quitting process. These programs offer those who are interested in quitting an excellent benefit. Each insurance policy offers different things so the only way you will know for sure what if any additional benefits your insurance policy offers is to read through the policy documents. Looking at all the benefits before choosing a plan is the best way to ensure that you are making the right selection.
All the little extras that your health insurance policy contains are of no value unless you take advantage of them and get the most out of these employment benefits. Always read the entire insurance policy, ask questions and be clear on what you consider buying before you buy. This is true regardless if it is employer related or a independently sought plan. Some of the sweetest deals are buried in the fine print; but so are the devils. Just be cautious and use good ole common sense before you buy.