So people have discussed this here before. Ambetter will give you rewards on a "MyHealthPays Rewards" debit card in exchange for completing certain health-related tasks. But I quickly discovered that the card doesn't work at about 99% of places. People have tried to pay bills, purchase food, treat themselves, you name it, and the card gets declined every time. I don't know how Ambetter does it. But I was excited to use it the very day I got it, and it got declined at two different stores. Googled it and found multiple complaints on Reddit.

But, true to form, I found a workaround, and now I can use the rewards card anywhere I please. It's kind of convoluted, but do not be defeated! As the title states, you'll need a PayPal account and a linked bank account. Here's what I did:

1. Add the rewards card to your PayPal wallet. Select this card as the preferred card.

2. Transfer the card value FROM your PayPal account TO your linked bank account. The transfer might take a few days. Keep checking your bank activity each day.

3. Once the amount is in your bank account, you can use your bank's debit card anywhere that card is accepted.

And *voila!* Now you can use the reward money anywhere you want to.

Hope this helps someone!

Edit: I don't think this is relevant, but age is 41, state is Georgia, and income varies.