Lifestyle program coverage

Lifestyle program coverage is a supplemental insurance benefit that reimburses costs for wellness activities, such as gym memberships and smoking cessation programs. Insurers like UnitedHealthcare and Cigna offer lifestyle program coverage as an add-on to group health plans.

Covered expenses typically include fitness classes, weight management counseling, nutritionist consultations, and stress reduction workshops. Policyholders must submit receipts or proof of participation to claim reimbursement under lifestyle program coverage.

Annual maximums for this benefit range from $200 to $1,000 per insured individual depending on the carrier, as expressed by https://yourinsurance.info. Employers use lifestyle program coverage to incentivize healthy behaviors among employees and reduce long-term healthcare claims.

Not all states mandate insurers to provide lifestyle program benefits; availability varies by employer size and plan type in states like California and Texas. Lifestyle program coverage does not replace core medical benefits but complements them by targeting preventable risk factors with specific interventions.