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Wellness Pays

Get rewarded for your commitment to healthy living with tools and incentives that make it easy and fun to live healthier.

Congratulations! As a GEHA Elevate or Elevate Plus member, your healthy behaviors automatically earn financial rewards through the Wellness Pays rewards program.

When you complete your first rewardable activity, you will receive a Wellness Pays rewards card in the mail. This card can be used during checkout for qualified medical expenses such as copays, medical, dental and vision expenses at many major retailers. As you continue completing rewardable activities, funds will be loaded onto your rewards card.

Your account balance rolls over from year to year, and you can earn up to $500 annually [or $1,000 annually for two eligible adult (18+) family members*] up to a maximum balance of $2,500 or $5,000 respectively.

Download our Wellness Pays QuickStart Guide (PDF) to learn more.

Register with Rally

Register on our digital health platform, powered by Rally®, to self-manage your health goals, earn rewards, enroll with a wellness coach and more.

Register with HealthEquity

Once you have completed your first rewardable activity, you'll receive an envelope in the mail containing your card and activation instructions. After you activate your account, you'll be able to check your rewards balance, view account activity and more.

Earning rewards

The Wellness Pays rewards program was designed to be simple by rewarding you for activities you're probably already doing. When you complete a healthy behavior like your annual physical, you'll automatically receive a rewards card deposit about 10 business days after GEHA receives notification of your activity. Beyond this, our digital platform hosted by Rally gives you even more ways to earn rewards, including the Rally Health Survey, coaching and missions.

Healthy activity Reward Healthy activity Reward
Achieve your Stride step goal ­­$10 per month Annual physical2,3 ­­$100
Use of the medical cost estimate tool ­­$10 per month, $30 max Breast cancer screening (mammogram) (50-74 years old)1, 2, 3 ­$100
Rally Missions $50 Cervical cancer screening (Pap) (21-65 years old)1, 2, 3 ­$100
Wellness quizzes ­$50 Colorectal cancer screening (colonoscopy) (45-75 years old)1, 2, 3 ­$100
Get a flu shot4 ­$50 Digital wellness coaching ­­$100
MDLIVE telehealth visit3 ­$50 First trimester prenatal appointment4 ­­$100
MDLIVE mental health visit3 ­$50 Complete Real Appeal or Quit for Life $200
Complete Rally Health Survey ­­$75

1 Restrictions may apply
2 $0 out-of-pocket for care coded as preventive with in-network providers
3 Rewards distributed once claim received from provider (about 4 weeks).
4 Activity must be self-reported in Rally before 12/31/23 to earn rewards

Spending rewards

You can spend your available rewards on all 213(d) qualified medical expenses — such as eyeglasses or contacts, orthodontics, doctor visits and dental care — using your Wellness Pays Rewards card. Use your rewards card to pay at health care providers for eligible services as well as at stores and pharmacies with an industry standard (IIAS) checkout system that automatically verifies if an item is a qualified medical expense. For the latest list of IIAS approved merchants, visit

See popular ways to spend Wellness Pays rewards

You can also download our list of 213(d) qualified medical expenses to better understand the many ways you can use your rewards.


Q: What is a Wellness Pays rewards card?
A: Your Wellness Pays rewards card lets you pay for qualified medical expenses using funds from your Wellness Pays rewards account. HealthEquity will mail your rewards card about two weeks after GEHA receives notification that you've completed your first rewardable activity. As you continue completing rewardable activities, funds will be loaded onto your rewards card.

Q: Who do I contact for information about my Wellness Pays account?
A: Visit and register to check your balance, view account activity and more. For other questions, call HealthEquity Customer Service at 844.768.5644.

Q: How long will it take for rewards to show up in my Wellness Pays account?
A: Rewards will appear in your account about 10 business days after we receive notification that you have completed a rewardable activity.

Q: Where can I use my Wellness Pays rewards card?
A: Use your card for qualified medical expenses at the doctor, pharmacy, dentist, optician, orthodontist and most general merchandise stores. Transactions are usually verified automatically, but you may need to submit a receipt to verify that the transaction was for an eligible expense or service.

Q: What would cause a termination to my Wellness Pays account?
A:  This can happen in three ways:
1. Change in health plan from Elevate or Elevate Plus (Wellness Pays) to Standard, High or HDHP (Health Rewards) or vice versa.
2. Change in enrollment status from subscriber to dependent or vice versa.
3. Termination of your underlying medical coverage.

Q: Can I spend my rewards balance after termination of my Wellness Pays account?
A:  Yes, you can continue to access your Wellness Pays account for six months following the termination. Your available balance can be applied to reimbursements for qualified expenses that occurred during your effective medical plan coverage (first day of plan eligibility through the day before plan termination). Please note: Wellness Pays debit cards will become inactive and can no longer be used upon the termination date.
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Are you a current GEHA member?
Medical questions: 800.821.6136
Dental questions: 877.434.2336