Originally Posted by Planetrain

For each insurance, you can submit sick/injured claims.Thats the primary design of the insurance. There’s also a benefit called a “well visit claim”: for each insurance, you get $100, spouse gets a $100. Each kid gets $50 per insurance.

So family of 4:
Employee: $100, $100
Spouse: $100, $100
Kid: $50, $50
Kid: $50, $50

A well visit is an incentive the insurance company gives the insured to at least be minimally healthy. All you do is submit proof you did 1 of the following for each person (each year) you want the free money:

“Health screening tests covered by the Wellness Benefit include, but are not limited to:

• Immunizations/Vaccinations (including COVID vaccines and screening tests)

• Annual physical exams

• Routine eye exams

• Routine dental exams

• Mammography

• Biometric screenings

• Colonoscopy

• Bone density screenings

• And more”

Edit: I just did the math and my free wellness money is about equal to premiums. Add 1 claim and it’s well over premiums. It looks like once your age is in the mid-50’s, premiums begin to increase beyond wellness free money.