Health Insurance & Medical Costs · Surprise rank #148
Check Your Health Plan: Some NY Plans Reimburse Hundreds for Gym Memberships or Wellness
Fitness reimbursement and wellness rewards are plan-specific benefits offered by some New York health plans, so members can sometimes recover part of gym or fitness costs.
Who
Members of health plans that specifically include a fitness reimbursement or wellness-rewards benefit.
Where: New York health plans that offer the benefit
What to do
Start here: Search the member portal or Evidence of Coverage for 'fitness reimbursement' and 'wellness rewards' before assuming the plan has no benefit.
Eligibility: The exact plan, member status, qualifying fitness facility/activity and documentation rules control eligibility.
What you get
Depending on the plan, members may submit qualifying fitness costs for reimbursement or earn wellness rewards.
Benefit: Plan-specific reimbursement. As one current example, eligible Fidelis/Ambetter members can receive up to $200 per six-month period for the member, with additional spouse reimbursement in qualifying plan types.
Possible value: Varies by plan. Fidelis currently lists up to $400 per plan year for an eligible member, with plan-specific spouse rules.
Good to know
Important: This is not a universal New York benefit. Amounts and eligible expenses vary by insurer and product and can change each plan year.
Availability: Plan-specific; current 2026 examples active
Why people miss it: These extras are often buried in member portals and separate rewards pages rather than shown prominently with core medical benefits.
Sources reviewed: Aug 10, 2026