Will your insurance cover the cost of your smartwatch?

Among the fine-print details: Monthly out-of-pocket payments are based on the number of standard workouts (10,000 to 14,999 steps) and advanced workouts (15,000 steps) or applicable active

calorie thresholds. The required step counts are reduced for members who are 71 and older. A onetime upgrade fee applies if you choose a pricier GPS + Cellular version of the Apple Watch,

larger watch-case sizes, and certain bands and case materials. The plan is not available in New York and certain other locations, and at the outset you will have to complete a Vitality

health review. Under Vitality Plus, you also may earn other reward points by biking, running, swimming or walking, and capturing metrics via mobile apps, a heart rate monitor, pedometer or

other device. The plan isn’t limited to Apple Watch. You can earn free Fitbits, too, or a complimentary Amazon Halo fitness band, along with three years of Halo membership. UNITEDHEALTHCARE

HAS SEVERAL PROGRAMS Multiple offerings can help customers spring for a wearable. Those enrolled in the UnitedHealthcare Motion program can earn more than $1,000 a year by meeting daily

activity targets, based on cycling, running, strength training, swimming, walking and more. A UHC Motion app is available for iOS and Android. UnitedHealthcare says engagement rates exceed

other employer-sponsored wellness programs. Participants walk an average of 11,000 steps daily — more than twice the 5,200 steps logged by the average American adult. UnitedHealthcare also

says the plan tends to appeal to members with chronic conditions, such as diabetics, who are 40 percent more likely to participate than other people. If you are in a UnitedHealthcare

Medicare Advantage plan, you may be eligible to receive a Fitbit Charge 5, Inspire 2 or Luxe device at no cost and connect socially by joining an online Fitbit Community for Renew Active

program. Participants can access thousands of on-demand videos, including livestreamed fitness classes and AARP’s Staying Sharp online brain health program. (UnitedHealthcare offers several

AARP-branded Medicare Advantage plans in most states for AARP members.) As an added benefit, members who use their Fitbit or another activity tracker to report that they’ve walked at least

7,500 steps for 10 days in a month can earn monthly discounts of $10. As of November 2021, UnitedHealthcare plans come with a free one-year subscription to the Apple Fitness+ studio-style

workout program, which requires an Apple Watch. Existing members can visit their myuhc.com account to check their eligibility.