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Health Risk Assessment
What is the Health Risk Assessment?
The City's Health Risk assessment (HRA) is a program to encourage benefit-eligible employees to take control of their wellness by incentivizing yearly wellness checkups. By participating, employees can receive a reduced health insurance premium (see the following charts for details). The City's benefits plan year runs from March 1 through February 29. To receive the premium discount, all required parts of the HRA must be completed between March 1 and December 15 annually.
| Health Insurance Premiums for Eligible Full-Time Employees in the PPO Plan | ||||
|---|---|---|---|---|
| Total Monthly Premium | Employee Share | |||
| Without HRA (20% share) | Represented w/ HRA (15% share) | Non-Represented w/ HRA (12% share) | ||
| Employee Only | $815 | $163.00 | $122.25 | $97.80 |
| Employee +1 | $1,596 | $319.20 | $239.40 | $191.52 |
| Family | $2,339 | $467.80 | $350.85 | $280.68 |
| Health Insurance Premiums for Eligible Full-Time Employees in the High Deductible Health Plan (HDHP) | ||||
|---|---|---|---|---|
| Total Monthly Premium | Employee Share | |||
| Without HRA (20% share) | Represented w/ HRA (15% share) | Non-Represented w/ HRA (12% share) | ||
| Employee Only | $1,041 | $208.20 | $156.15 | $124.92 |
| Employee +1 | $2,042 | $408.40 | $306.30 | $245.04 |
| Family | $2,987 | $597.40 | $448.05 | $358.44 |
How do I complete the HRA?
Represented Employees
For represented employees (members of the Fire Local 342 Union and members of the Professional Police Association), the HRA consists of a biometric screening performed at your annual preventive care (wellness) exam with your Primary Care Provider (PCP). For more information on how represented employees can complete the HRA, visit the "HRA for Represented Employees" webpage.
Non-Represented Employees
For all other (non-represented) employees, the HRA consists of two parts:
- A biometric screening performed at your annual preventive care (wellness) exam with your Primary Care Provider (PCP), and
- A six-part health assessment survey completed via Go365
For more information on how non-represented employees complete the HRA, visit the "HRA for Non-Represented Employees" webpage.
Frequently Asked Questions
- Is participation mandatory? No. Your participation in the City's HRA is completely voluntary. However, if you wish to receive a discount on your health insurance premium for the 2023-2024 plan year, you (and your spouse, if applicable) must complete all parts of the HRA before December 15, 2022.
- Which Primary Care Provider do I visit? You may visit the doctor’s office, clinic, or health facility of your choice.
- What does the HRA cost? There are no out-of-pocket costs to employees and covered spouses for in-network preventive care (wellness) exams and related clinical laboratory tests. However, if during your wellness examination your provider orders additional labs based on your conversation and health history, these additional labs might not be covered as preventative. Employees may be responsible for out-of-pocket expenses related to these additional labs, as provided in their health care coverage plan. See the summary on page 13 of the Employee Benefits Guide for details.
- What is the biometric screening? The Biometric Screening consists of the following measurements: height, weight, waist circumference, blood glucose, total cholesterol, and blood pressure. In essence, the Biometric Screening provides you with a snapshot of your health.
- Can I get an HRA if I am not on the City’s Health Plan and have no intention of participating? Only those who are currently on the health plan or who intend to participate in 2023/24 are eligible to participate in the HRA.
- To receive the premium discount, who needs to complete the HRA? If you and your spouse are both covered by the City’s health insurance, you and your spouse must each complete all required parts of the HRA to be eligible for the reduced premium contribution. If you are covered by the City's health insurance, but your spouse is not, only you need to complete the HRA to receive the premium discount. Other dependents on your plan (children, for example) do not need to complete the HRA to receive the premium discount.
- Do new health insurance enrollees need to participate in the HRA to receive a premium discount for the current plan year? No. Persons added to the City’s health plan mid-year automatically receive the reduced premium for the remainder of the current plan year. However, if they wish to receive the reduced premium for the following plan year, they must participate in the HRA by the December 15 deadline. Persons added to the City’s health plan between September 1 and February 29 will receive the reduced premium for the current plan year and the following plan year.
- If I am currently on my spouse’s plan and participating in the Family Savings Plan, should I complete the HRA? The employee's premium share for City's health insurance is used to calculate the "premium differential reimbursement" you may receive by participating in the Family Savings Plan. Not participating in the HRA would increase your premium share - see table above - thereby reducing your premium differential reimbursement. See page 17 of the Employee Benefits Guide for more information.
Still have questions? Contact Human Resources at HR@westalliswi.gov or 414-302-8270.