All Digital Rewards has outlined how gift card delivery and recordkeeping can be organized within health and wellness incentive programs. Its July 2025 guidance compares merchant cards, prepaid cards and reloadable products.

The company describes merchant-specific rewards as a way to offer a curated selection. Reloadable cards can support repeated awards when a participant reaches additional program milestones.

For distribution, ADR lists bulk uploads and API-triggered delivery by email or text. It also describes tracking recipients, awards and redemption information through a central dashboard.

Those records can help program managers administer budgets and prepare information for finance and compliance teams. The applicable reporting treatment depends on the recipient and the program arrangement.

Privacy obligations also depend on structure. HHS explains that HIPAA applies to covered entities and their business associates. Health information collected through a covered group health plan’s wellness program is protected, while information an employer collects through a directly operated program outside a group health plan is not covered by HIPAA on that basis; other laws may apply.

ADR’s operational guidance links reward choice with distribution and recordkeeping. The program’s legal and data-handling requirements need to be determined for the actual arrangement.