How to Get a Free Fitbit Through Insurance

  1. Check with United Healthcare: Enroll in their “Motion” program if you’re a member. This may come with a complimentary fitness tracker.
  2. Understand ‘Motion’ Program Requirements: You might need to earn credits through workouts to qualify for a free Fitbit or Apple Watch with the United Healthcare Motion program.
  3. Look into Aetna’s Attain Program: If you’re an Aetna customer, consider using the Attain by Aetna app. This requires an Apple Watch and works best for those who are already active or looking to become active.
  4. Review Aetna’s Apple Watch ‘Payment’ Plan: You pay for the Apple Watch over 24 months with workout points. If you don’t meet your activity goals, you may have to pay the difference.
  5. Investigate Cigna’s Active&Fit Offer: Save on an Active&Fit subscription as a Cigna customer. A subscription may include a promo for a free Fitbit or Apple Watch.
  6. Check Anthem Blue Cross Blue Shield’s Discount: Through their “Blue365” program, get 22% off a new Fitbit, plus a complimentary year of Fitbit Premium.
  7. Consider Humana’s Go365 Program: Enroll in Humana’s Go365 program to earn credits through workouts, which you may be able to exchange for a Fitbit or a Garmin.
  8. Privacy Policy Review: Be aware that by participating, you may be consenting to your insurer collecting health and activity data. Examine the privacy policy of the specific program for details.
  9. Adhere to Program Requirements: Maintain any required activity levels or participate in health assessments as dictated by the program to retain your device or avoid charges.
  10. Stay Updated with Offers: Insurance providers frequently change their offers. Keep in touch with your insurer for the latest information on wellness programs and related benefits.

Remember, not all insurance members will qualify for a free device. Members should fully understand the terms and conditions, any potential costs, and the data privacy implications before joining such a program. Reach out to your insurance company for the most current offers and details on how to participate successfully.

In today’s health-conscious society, wearable technology such as Fitbit devices have become pivotal in monitoring and promoting an active lifestyle. Insurance companies, recognizing the potential of these devices to improve customer health outcomes, have begun partnering with tech firms to offer them as part of their health incentives programs.

For consumers, the appeal of obtaining a Fitbit at no direct cost is considerable, but the process to secure such a perk through insurance is not always straightforward. It involves navigating through various eligibility criteria, understanding the nuances of insurance plans, and often engaging in a meticulous claim process.

While some policyholders may have a seamless experience, others might encounter obstacles that can be surmounted with the right approach. As we explore the intricacies of this benefit, it is essential to discern the various avenues through which one can enhance their chances of successfully integrating a Fitbit into their wellness routine, courtesy of their insurance provider.

Key Takeaways

  • Insurance companies offer wellness programs with free or discounted fitness trackers to promote healthy lifestyles.
  • Eligibility for a free fitness tracker is restricted to certain insurance plans and may require specific wellness activities.
  • Policyholders must meet specific criteria outlined by their insurance provider to qualify for these benefits.
  • Consumers should review their plans or contact their insurers to understand participation requirements.

Understanding Insurance Perks

Many modern insurance companies are enhancing their customer offerings by providing wellness programs that include free or discounted fitness trackers, such as Fitbits, to promote healthier lifestyle choices among their members. These initiatives are designed to incentivize physical activity and overall well-being, which can lead to reduced healthcare costs for both insurers and the insured.

To further motivate members, some programs allow individuals to accumulate points through regular workouts, which can be redeemed for a free fitness tracker or smartwatch.

However, the integration of technology with health monitoring raises privacy concerns, as sensitive health and activity data are collected and potentially accessed by insurance providers. Users must be aware of data sharing agreements embedded within the fine print of their insurance policies. Understanding the specifics of these agreements is crucial for maintaining control over personal information.

Eligibility for receiving a free fitness tracker is typically restricted to members enrolled in certain insurance plans and may necessitate engagement in specific wellness activities. As such, members are advised to thoroughly review their insurance policy details and comprehend the terms and conditions associated with such perks to fully benefit from these offerings while maintaining their privacy.

Eligible Insurance Providers

Several health insurers are now offering incentives that integrate wellness technology, such as Fitbits, into their coverage plans. To qualify for these benefits, policyholders must often meet specific criteria outlined by their insurance provider.

It is essential for consumers to review their plans or contact their insurers to understand the participation requirements for receiving a subsidized fitness tracker.

Participating Health Insurers

Participating health insurers offer various programs and incentives to promote physical activity, including providing free or discounted fitness trackers to policyholders. These initiatives are designed to encourage healthier lifestyles, which can lead to reduced healthcare costs and improved wellbeing for members. Insurers recognize that by offering such benefits, they not only foster customer loyalty but also invest in the long-term health of their clientele.

United Healthcare: Policyholders can obtain a complimentary fitness tracker through the Motion app, available on both iPhone and Android devices.

Aetna: Offers a mostly free Apple Watch through the Attain app, where workouts earn points to pay for the device.

Cigna: Provides a promo code for a free Fitbit or Apple Watch to subscribers of their Active&Fit program.

Coverage Qualification Criteria

To qualify for a complimentary Fitbit from an insurance provider, policyholders must typically meet specific criteria that demonstrate an active commitment to their health and wellness. Often, these criteria may include a history of regular physical activity, participation in a wellness program, or the completion of certain health assessments.

Eligible insurance providers generally require policyholders to be enrolled in a plan that includes wellness benefits or to be part of a group that offers incentives for maintaining a healthy lifestyle.

Insurance companies may also set age restrictions, with some offering the benefit only to adults, while others may extend it to all age groups. The exact qualification requirements can vary significantly between insurers, hence it is crucial to consult with your specific provider for their particular guidelines.

Finding Participating Plans

Understanding the coverage qualification criteria is a necessary step; the next one is identifying insurance providers that offer plans inclusive of a free Fitbit benefit. After determining your eligibility, it’s essential to find insurers that partner with Fitbit or health and wellness programs. Here’s a concise guide to help you navigate this:

  1. Check Insurance Websites: Many insurers clearly list their wellness offerings on their websites. Look for sections dedicated to member benefits or wellness incentives.
  2. Contact Customer Service: If the information isn’t readily available online, call the insurer’s customer service for direct inquiries about Fitbit partnerships.
  3. Review Employer-Sponsored Plans: Some employers negotiate wellness benefits, including fitness trackers, into their group insurance plans. Review your employee benefits package or speak with your HR department.

Navigating the Claim Process

Successfully claiming a free Fitbit from your insurance company requires a clear understanding of their claim process and adherence to their specific guidelines and deadlines. Knowing the details of the insurance company’s offerings is fundamental, including the eligibility criteria for obtaining a free or discounted fitness tracker. To ensure compliance, review the insurance provider’s privacy policy, which outlines how your data will be used and protected. This is a crucial step, considering that your fitness activity data may be shared with the insurer as part of the program.

To qualify for a free Fitbit, you might need to participate in health and wellness activities that earn you credits or points. It’s important to actively engage in these programs and accurately report your progress as per the insurance company’s requirements. Before initiating a claim, verify the specifics of the fitness tracker deal, such as potential additional costs or commitments that could be involved.

Furthermore, look into any alternative wellness programs or discounts that the insurance company may offer. These could provide additional opportunities to obtain a fitness tracker or related products.

Overcoming Claim Denials

While meticulous adherence to your insurance company’s process is key for claiming a free Fitbit, it’s equally important to know how to address potential claim denials effectively. Should you face a denial, your response must be informed, systematic, and timely. Understanding your insurance policy’s specifics regarding fitness tracker benefits can provide clarity on whether your claim should have been approved.

If a claim denial occurs, consider the following steps to address the situation:

  1. Review and Respond:
  • Carefully examine the denial letter for the reason your claim was rejected.
  • Contact your insurance company to get a detailed explanation and ask for the specific documentation or information needed for reconsideration.
  1. Compile Documentation:
  • Gather all relevant documents, such as receipts and medical records that justify the need for a fitness tracker.
  • Submit these documents promptly if they were missing from your initial claim or provide additional information if requested.
  1. Appeal the Decision:
  • If the denial seems unjustified, file a formal appeal with your insurance company.
  • Seek the assistance of a legal or insurance expert if needed, especially if the appeal process is complex or if your initial appeal is unsuccessful.

Navigating claim denials can be challenging, but with persistence and the right information, you can improve the chances of having your claim accepted and obtaining a free Fitbit.

Maximizing Health Incentives

Leveraging health incentives effectively can lead to significant savings and benefits, including obtaining a free Fitbit through your insurance plan. To maximize health incentives, it is crucial to understand the specifics of your insurance policy and the wellness programs it offers.

Many insurance companies partner with wellness initiatives that provide rewards for maintaining a healthy lifestyle, such as engaging in regular physical activity tracked by devices like Fitbits.

When aiming to qualify for a free Fitbit, actively participate in your insurer’s wellness challenges or programs. These might include routine health check-ups, fitness assessments, or online health education modules. By completing these activities, you can accumulate points or meet criteria that make you eligible for rewards.

It’s also beneficial to stay informed about any changes to your insurance plan’s wellness incentives. Insurance providers periodically update their programs to enhance member participation and outcomes. By keeping abreast of these updates, you can take advantage of new opportunities as they arise.

Remember to document and report your participation in wellness activities as required by your insurance provider. Proper documentation ensures that your efforts are recognized, helping you to redeem your incentives without delay.

Additional Savings Opportunities

identifying money saving options

Beyond securing a free Fitbit, insurance members can explore a variety of discounts on fitness trackers as part of their provider’s health and wellness initiatives. These programs are designed to encourage a healthy lifestyle, which can potentially reduce healthcare costs for both insurers and members. By staying active and monitoring their health with fitness trackers, members not only improve their wellbeing but may also realize financial benefits.

To help you navigate these savings opportunities, consider the following:

  1. Partner Deals: Some insurers have partnerships with fitness tracker companies like Fitbit and Garmin, offering devices at reduced prices. Members should check with their insurance provider for any exclusive deals or partner discounts.
  2. Wellness Program Rewards: Participating in your insurance’s wellness program can often lead to earning points or rewards that can be redeemed for fitness trackers. Engage in the program’s health challenges and activities to maximize your potential savings.
  3. Annual Incentives: Insurers may offer annual incentives for maintaining a healthy lifestyle. These could include discounts on various health-related products, including fitness trackers. Regularly review your insurance benefits to stay updated on available offers.

Utilizing these opportunities not only supports your health goals but also makes adopting a tech-assisted healthy lifestyle more affordable. Always consult with your insurance provider to understand the full extent of benefits and savings you are entitled to.

Maintaining Your Fitbit Benefits

To ensure continued access to your insurance-provided Fitbit benefits, it is critical to regularly monitor your usage and meet any necessary program requirements.

Understanding the renewal process for these benefits can help prevent any lapse in service or coverage.

Let’s explore strategies for tracking benefit usage and the steps involved in renewing these valuable fitness incentives.

Tracking Benefit Usage

Maintaining your Fitbit benefits requires diligent tracking of your insurance’s wellness program utilization. To ensure you are maximizing the value of your Fitbit and the associated insurance benefits, consider the following steps:

  1. Record Activity: Regularly log your physical activities through the Fitbit app to guarantee the insurance program accurately reflects your effort.
  2. Monitor Progress: Check your insurance wellness account periodically to confirm that your Fitbit usage is being properly credited towards any incentives or discounts.
  3. Engage with Wellness Challenges: Participate in any insurer-sponsored fitness challenges or goals to stay active within the program and to continue reaping the rewards.

Benefit Renewal Process

Ensuring the continuation of your complimentary Fitbit or similar wellness device hinges on understanding the renewal process stipulated by your insurance provider.

It is vital to familiarize yourself with the terms of your insurance plan regarding wellness benefits. Typically, this may involve participating in specific programs, using certain apps, or achieving set health goals.

You must meet these criteria consistently to remain eligible for the free or discounted device. To avoid any lapse in benefits, proactively check your insurance plan’s requirements and keep up to date with any changes that could affect your eligibility.

For precise details on maintaining your Fitbit benefits, contact your insurance provider directly or visit their website, where renewal procedures and eligibility guidelines are outlined.


In conclusion, obtaining a complimentary Fitbit through insurance involves several key steps:

  1. Being informed about the various programs offered by insurers.
  2. Understanding eligibility criteria.
  3. Adeptly navigating the claims process.

Overcoming potential denials is part of the journey to maximize health incentives. Beyond the initial acquisition, there are additional savings opportunities that can be explored to enhance the value received.

It is imperative to maintain awareness of the benefits to ensure continued access to the health-tracking advantages provided by a Fitbit device.