See what's new with <b>FOCUS</b><em>fwd</em> in 2026 to help you earn more rewards.

Increased Rewards from $110 to $300

The FOCUSfwd Wellness Incentive Program is designed to help you lead a healthier lifestyle. Complete health-related activities and challenges earn up to $300 in rewards and increase your chances of winning one of the $1,000 quarterly and $5,000 annual cash rewards in our Sweepstakes!

FOCUS Points

You can earn a $150 reward and Sweepstakes entries by completing these essential health activities:
Personal Health Assessment
Annual Wellness Exam
Preventive Screening or Flu Vaccine

GET FIT

Start stepping to earn rewards with the GET FIT quarterly step challenge. With a new challenge every three months, it's never been easier to get started. You'll earn $25 in rewards and Sweepstakes entries for each challenge you complete, for a total of $100 in rewards.

Sweepstakes

You'll earn Sweepstakes entries as you increase your status level in FOCUS<em>fwd</em>, increasing your chances to win one of the $1,000 quarterly and $5,000 annual cash rewards. You even earn 25 Sweepstakes entries by simply signing up for FOCUS<em>fwd</em>!

New Program Enhancements!

  • Personal Health Goals and Tracking

    New in 2026 is the ability for participants to set and monitor personal health goals within the program platform. Whether focusing on weight loss, nutrition, mental well-being, increased physical activity, or other health priorities, users can now tailor their experience to reflect their unique aspirations. Progress tracking tools and tailored recommendations will further support sustained engagement and success.

  • Language Accessibility

    Recognizing the rich diversity of its participant base, the FOCUSfwd program is now accessible in more than ten major languages, including: English, Spanish, and French. This expansion ensures that more members can interact with the program in their preferred language, breaking down barriers and promoting inclusivity.

  • Personalized Wellness Experience

    The 2026 program introduces a truly personalized approach, leveraging user input to craft a unique wellness journey. From tailored goal suggestions to individualized communications and reminders, participants will benefit from an experience that adapts to their needs, history, and progress. This approach is designed to empower each individual, making wellness more attainable and meaningful.

To get started, you'll need to:

  • Log in to My Health Toolkit®.
  • Desktop and tablet users: Select the Health and Wellness tab. Mobile users: Select Benefits.
  • Select the FOCUSfwd Incentive Program link.
  • Enter your email address to be eligible.

Don't have a My Health Toolkit account? No problem. It only takes a few minutes to create one. Once logged in, you can choose which task you'd like to complete first. 

Get the FOCUSfwd App

You can also stay connected to your health and rewards with the FOCUSfwd app. To get started, you'll need to access FOCUSfwd from your mobile device. Then follow the prompts to download the app and link your account. 

Members are winning with FOCUS<em>fwd</em>!

See what our Sweepstakes winners have to say about the program.

monique

"By engaging in the FOCUSfwd Wellness Incentive Program, I’ve noticed that I’m more intentional about my health and wellness. So I am walking and exercising more…energized. It keeps me motivated to stay on top of preventive care, while also rewarding me for making positive lifestyle choices. I feel more accountable, and in return, I’m seeing the value both personally and financially."

$1,000 Sweepstakes Winner

2025, Quarter 2

Monique M.

tom winner

$5,000 Sweepstakes Winner

2024 Annual Winner

Tom M.

Callie winner

I've been far more motivated to keep up with my wellness checkups and achieving my daily step goal.

$1,000 Sweepstakes Winner

2024, Quarter 4

Callie D.

Glee winner

With the help of the program, I was able to lose 35 pounds which was just enough for me to stop having to give myself the injections for the diabetes that I’d developed from being inactive.

$5,000 Sweepstakes Winner

2024 Annual Winner

Glee H.

Andrew

"I have noticed that I am more "aware" of my health. The FOCUSfwd program has encouraged me to regularly monitor my health through its incentive program!"

$1,000 Sweepstakes Winner

2024, Quarter 1

Andrew M.