Blue rewards

Click on one of the categories below for more information about Blue Rewards:

How Blue Rewards Works

Earn incentives for taking steps to get and stay healthy. Both you and your spouse/domestic partner can earn rewards for completing one, all or any combination of the activities listed in the boxes below. (Please note, members with a high-deductible plan must reach their deductible before they can use their Blue Rewards incentive card).

Online tools icon

Earn $50

Consent to receive wellness emails and take the RealAge® assessment.

The RealAge assessment is a simple questionnaire that will help you determine the physical age of your body compared to the calendar age.

Must complete within 180 days of your effective date.

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Earn $100

Select a primary care provider (PCP) and complete a health screening.

You can visit your PCP or a CVS MinuteClinic to complete the screening.

Must complete within 180 days of your effective date.

Online tools icon

Earn $200

Participate in health coaching

  • Session 1 = $30
  • Session 2 = $70
  • Session 3 = $100

Sessions must be held 2–60 days apart and must be completed before end of benefit period.

Real Age Icon

Earn $25

Retake the RealAge® assessment.

If you earned the reward for taking the assessment initially, you can earn an additional reward for retaking it after 90 days.

RealAge answers must be updated or confirmed no earlier than 90 days after the original assessment, and before the end of the benefit period.


Choosing a PCP is key to maintaining good health.

Whether you’re young and healthy or older in age, regular visits to a primary care physician (PCP) are crucial to maintaining your health and well-being. They’ll help you make positive lifestyle choices to maintain or improve your quality of life over the long run by:

  • Helping you keep on top of preventive care like annual exams
  • Coordinating the care you receive from other providers
  • Providing quick and easy access to the care you need
  • Getting to know you, your medical history, your habits and any concerns

To choose a PCP, use our Find a Doctor tool.

Blue Rewards Incentive Card

After you complete one or more of the activities, you’ll receive your incentive card reward in about 10–14 days.

If you are enrolled in a health plan with a Health Savings Account (HSA) option: Members in an HSA-compliant health plan may be eligible to receive an incentive card prior to meeting their plan deductible if certain requirements are met. If you have an HSA plan, the health insurance policyholder will need to sign in to their CareFirst WellBeingSM account and agree to the HSA Agreement Terms before rewards can be earned. If the policyholder does not agree with the terms, Blue Reward incentive activities may be completed but no reward will be earned.

Your incentive card can be used toward your annual deductible or other out-of-pocket expenses related to eyeglasses, contact lenses and dental procedures covered by your CareFirst health plan. Make sure to always save your receipts as proof of your expense.

Keep the card as long as you are a CareFirst member as any future incentives you earn will be automatically added to the same card.

Please note: Only one card is issued to the policyholder, but it can be used by everyone covered under your policy (including dependent children).

You have until the end of your benefit period to use your reward, plus an additional 90 days to reimburse yourself for any eligible expense that occurred within that benefit period.

To take advantage of our Wellness programs, please register with CareFirst WellBeing and enter your CareFirst My Account username and password. Complete the one-time registration with CareFirst WellBeing to link your CareFirst My Account information. This will help personalize your experience.