Tag Archives: reimbursements

Fitness Reimbursement Program: Aetna

Aetna is now one of many insurance companies that offer fitness reimbursement programs. In other words, they help employers give discounts (and in some cases straight cash) to employees for getting their fitness on. If this sounds too good to be true, you can read more about how fitness reimbursement programs work here. Otherwise, continue on for how you can take advantage of Aetna’s program!

Aetna-alcohol-rehabAetna fitness reimbursement plans are open to a number of employer-sponsored programs. In addition to gym memberships, plan members can receive reimbursements for purchasing at-home equipment, group classes and wellness counseling. Employers are able to customize the program and decide how much money their employees are eligible to be reimbursed for their fitness-related expenses. [Insurance Quotes]

An example of a plan you might see with your employer:

  • Employees who complete a minimum of 50 visits per six-month period at a qualified health club can receive up to $200 cash, or $100 per spouse.
  • A qualified health club will be specific to your employer, but it is typically one that offers a variety of cardiovascular and strength-training exercise equipment. (These can include traditional health clubs, YMCAs, etc.)

Want to see if you’re eligible? Take 2 minutes to fill out this form and we’ll take care of all the paperwork for you, no strings attached. Note that responses can take 1-2 weeks.

While you wait, get stoked for your cash rewards by checking out these 13 benefits of gym reimbursements.

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Spott3r helps people get people paid for their workouts. Click here to see if you’re eligible for a free gym reimbursement check!

 

 

10 Ways to Save Money at the Gym

We hear it all the time: “I can’t afford to go to the gym”. While it is true that gym memberships aren’t free, there is no reason cost should hold you back from a healthy lifestyle. In fact, if you work it right, you may be able to break even or better yet, MAKE money by going to the gym! With all the health incentive programs entering the industry right now, there has never been a better (or cheaper) time to focus on your fitness. Here are 10 creative ways for you to save money at the gym:

1. Research daily deals in your area

Flash sales offer a great way to get a deep discount on a regularly high-ticket classes. Better yet, you can shop around before committing to your favorite. Try Groupon, LivingSocial, or Zozi to find some local deals.

2. Commit at the right time

You can usually get the best deals around the end of the year holidays (Christmas, New Year’s Eve) or during the slower summers. Gyms have financial goals they have to hit and will likely offer the best discounts to prospect members during this time.

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3. Walk to the gym

Obviously, this one depends how far you live from your gym, but if it’s manageable, you should always walk! Not only do you save money on gas or parking, you get the benefit of that warm up and cool down time.

4. Bring your own supplies

This includes things that you spend money on at the gym, such as:

  • Locks
  • Water bottles
  • Protein shakes
  • Post-workout snacks

These things tend to add up!

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5. Refer friends!

Most gyms have referral programs and will give you all kinds of incentives for bringing in prospective members. The perks range from gift cards to membership credits to cold hard cash!

6. Utilize the free personal training session

Before you decide to splurge on a trendy fitness class, remember that many gyms offer a free personal training session with your yearly membership. Take advantage of this free pass, at the very least, and keep an eye out for package deals or group rates with your favorite trainer!

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7. Check your insurance

Many health insurance companies offer gym reimbursements to members who workout regularly. For example, UnitedHealthcare gives $20 to every member who goes to the gym 12 times or more a month. That adds up to $240 a year! Find out if you’re eligible for cash reimbursements here, or simply fill your info into the form below:

8. Prepay upfront

You can save a ton of cash by paying for 12 or 24 months upfront. For example, you can buy a 2-year membership certificate for 24 Hour Fitness at Costco for $369.99. That works out to $15 a month!

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9. Two words: corporate discounts

Ask your employer if your company offers any corporate discounts. The savings are usually pretty steep (20-30%) and chances are, the gyms in the program are close to your office.

10. Wear your FitBit and cash out

Who knew that you could earn money for using your FitBit? Rewards include things like Walgreen’s Balance Reward points, perks from AchieveMint, or donations to charity. (You can see a full list of awesome incentives here.)

gym reimbursements

Spott3r helps people get people paid for their workouts. Click here to see if you’re eligible for a free gym reimbursement check!

Photo cred: YMCA Twin Citiesnotyourgoodfatty.com, picturecorrect.com, worldfitnesscertification.com

Important Health Insurance Marketplace Dates

Open enrollment is in full swing, and for those new to the health insurance marketplace, or reassessing their options for 2015, there can be a lot to learn!

Most importantly, there are several very important deadlines. And pushing off a decision, such as your 2015 insurance plan, until the last minute is never a good idea. Here is a full list of deadlines so you can set your self up for a healthy 2015 with time to spare!

(Friendly reminder: If you pick a plan with a fitness reimbursement program, you can cover most if not all of your gym costs! Learn more here.)

  • November 15, 2014: 2015 Open Enrollment starts
  • December 31, 2014: Coverage ends for all 2014 Marketplace plans
  • January 1, 2015: 2015 coverage can begin
  • February 15, 2015: 2015 Open Enrollment ends

During 2015 Open Enrollment, if you enroll or change plans:

  • Between the 1st and 15th days of the month, your coverage starts the first day of the next month.
  • Between the 16th and the last day of the month, your coverage starts the first day of the second following month. So if you enroll on January 16, your coverage starts on March 1.
  • Between February 1, 2015 and the deadline of February 15, 2015, your 2015 coverage begins March 1, 2015.

Note that you can enroll in the Medicaid or the Children’s Health Insurance Program (CHIP) any time of the year.

More information can be found here.

gym reimbursements

Spott3r helps people get people paid for their workouts. Click here to learn more about how you can earn cash reimbursements for your gym visits! Ready to sign up for your free eligibility check? You can do that too, here.

I’m not eligible for a gym reimbursement, what does that mean?

As we know, many insurance companies now offer gym reimbursements for employees who workout regularly. This typically comes with a lot of paperwork, which is where spott3r comes in! Simply enter your information, and we handle all of the logistics for you.

There are instances, however, where someone may not be eligible for a gym reimbursement. Has this happened to you? Chances are its due to one of these reasons:

1. You don’t have a gym membership. 

While all fitness reimbursements are different, most require you to attend a gym or organization that they partner with. Not sure which ones qualify? Take a look at the insurance company’s website! (For example, UnitedHealthcare has a full list of the gyms they partner with here.)

2. Your employer doesn’t currently offer a reimbursement

Not all employers have jumped on the fitness train yet. Consider reaching out to your HR department and encouraging them to find a plan that offers reimbursements! After all, a healthy employee is generally less expensive. (See how one company saved $280,000 by implementing fitness into their work culture here.)

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3. Your current plan with your insurance company doesn’t offer a reimbursement

While many insurance companies offer health incentives, not all of them are there yet. Ask your insurance company to consider adding reimbursements to their fitness programs, and remind them that healthier members will cost less in the long run!

Alternatively, you can consider switching health care providers! Spott3r Founder, Rami Rafeh, recommends the following: Oxford, United Healthcare, Meritain Health, Harvard Pilgrims, Blue Cross Blue Shield.

4. You don’t go to the gym enough

Keep in mind that most fitness reimbursement programs require a minimum activity in order to get your reimbursement for the month. ​For example, Blue Cross Blue Shield and UnitedHealthcare require that you go to the gym 12 times a month in order to receive the reimbursement ($20).

More answers to frequently asked questions here.

gym reimbursements

Spott3r helps people get people paid for their workouts. Click here to learn more about how you can earn cash reimbursements for your gym visits! Ready to sign up for your free eligibility check? You can do that too, here.

 Image via All Around Fitness

Get to know spott3r founder, Rami Rafeh

Spott3r Founder, Rami Rafeh, was recently featured in Entrepreneur Magazine! If you’re unfamiliar with spott3r, or have ever wondered what a fitness reimbursement is – you can find all your answers here.

How I Launched My Health-Care Startup

By Paula Andruss of Entrepreneur Magazine

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“With the Affordable Care Act in full swing, more entrepreneurs are trying to get a piece of the $2.8 trillion health-care pie.

Rami Rafeh worked in business development and innovation at Pfizer before launching New York-based spott3r, which enables employees to earn gym reimbursements or insurance wellness credits for exercising. As a professional who has worked on the established and startup sides of the health-care industry, he gave us his insights on how to operate in a sector where the only constant is change.”

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Our favorite excerpt:

“I remembered a gym reimbursement credit I used to file several years ago with New York Sports Clubs, and thought about how many steps there were in that reimbursement process. We realized that even if a person knew about it, they probably weren’t claiming it, because there were so many steps involved. So we decided to use that as our business entry point and build from there.” – Rami Rafeh

Read the full article here.

Photography by Emmet Malstrom.

gym reimbursements

Spott3r helps people get people paid for their workouts. Click here to learn more about how you can earn cash reimbursements for your gym visits! Ready to sign up for your free eligibility check? You can do that too, here.

How Companies Can Save Money With Fitness Programs

Companies are hopping on the fitness bandwagon and it’s paying off. Thanks to provisions in the Affordable Care Act, which offers companies incentives for implementing wellness programs, there are more reasons than ever for companies to take social responsibility (and save money while they’re at it!).

One such success story begins with Appirio, who managed to shave $280,000 off their insurance premiums through their program CloudFit. The program got started when Appirio signed up with Anthem, which offered the company $20,000 to start a wellness program. They used this to purchase and distribute Fitbits to their employees. Data from these devises were used to shave 5% off their premiums the following year – how’s that for a chunk of Change!

Want to get in on the action? There are a lot of ways for companies to take advantage of these savings.

Many insurance companies offer cash reimbursements to those that regularly visit the gym. Spott3r makes it super easy to take advantage of this insurance perk. All you have to do is fill out this form to get your free eligibility check. Spott3r member, Lindsay, just got her first gym reimbursement check of $20. That adds up to a yearly $240 cash in! Learn more here.

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Gym reimbursements. Seriously.

Did you know that you can earn cash for working out? If you’re a gym regular and have health insurance, it’s your lucky day.

It is a fact that many insurance companies have programs to pay members who go to the gym on a regular basis. Why do they offer this benefit? There’s a ton of literature on adverse selection, moral hazard and all that good health economics stuff but in a nutshell, chances are that if you stay in good shape, you’ll dramatically lower your risk of chronic conditions and therefore reduce overall healthcare spend.

Taking advantage of this perk is a no brainer. However, filling out the paperwork can be time consuming – which is where we come in. Spott3r is a New York based healthcare startup that is dedicated to paying people to work out. You create the profile, we handle the logistics. Get your free eligibility check here.