Health Credit Premium Program:  Frequently Asked Questions

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What is a Health Risk Assessment ("HRA")?
The HRA is a confidential, free questionnaire about your health. The HRA is designed to give you information and resources to improve your health and well-being.

Is the information I provide on the HRA kept confidential?
Yes. Your personal health information will not be shared with the State of Maine, your department or the Division of Employee Health and Benefits.

How long does it take the complete the HRA?
The HRA will take about 15 minutes to complete and is available 24 hours a day, 7 days a week.

Do I have to take the Aetna HRA this year if I already took the StayWell HRA last year?
Yes. The Health Credit Premium Program does not roll from year to year.

Once I earn the premium credit how long do I have it?
The premium credit resets at the start of every fiscal year or July 1st. You will continue to receive the 5% premium discount for the entire fiscal year (July 1 - June 30).

How do I know if I have the credit now?
Take a look at your pay stub to see how much you have deducted for your health insurance. For full-time employees you can then look at the Health Premium Rate Sheet and locate your salary category and coverage level.  The premium amount will be listed for employees with and without the credit.  Part-time employees can call Employee Health & Benefits to inquire (207) 624-7380.

If I have the credit today but do not complete the requirements for July 1st of this year, will I lose the credit?
Yes; the credit will be removed effective July 1st. Your individual premium will increase by 5%.

How much is the credit worth?
You will save 5% off of the individual health insurance premium.  This could be a savings of over $400 per year for employees who work year round!

I have taken an HRA for another program; will that HRA qualify me for the health credit?
No. The Aetna HRA is the only assessment that, if completed by the deadline, will count towards the program requirements.

What can I expect when taking the HRA?
The Aetna HRA consists of various health-related questions which fall into five sections:  Health & Lifestyle, Health History, Health Screenings, Work & Daily Life and Barriers & Support.  Once complete, you will instantly be provided with several reports showing you your survey results.

Why is my phone number required?
You will see a request for your phone number during the registration process. If provided, it will only be used if an Aetna case manager needs to reach you. Your phone number will not be used for any other purposes or shared with anyone. If you do not wish to provide your number, you can just enter the Aetna Member Services number in that field instead.  That number is 855-850-0039.

What type of information will I need before taking the HRA?
In addition to answering general health questions, you will also be asked for your weight, height, blood pressure, cholesterol, triglycerides and glucose results. If you don't have this information available, you can answer "not sure" from the drop down menu. Remember, under your health plan, many of your preventive services are covered at 100%. See your benefit overview for more details.

Do I need to have a physical exam before taking the HRA?
No.

If I start filling out my HRA and don't have time to complete it, can I finish it later?
Yes. Once a page of the HRA is complete and the ‘continue’ button is selected, those answers are automatically saved.  You can then log off the system (in the upper, right-hand corner) and return to complete the survey at a later time.  Please note, a partially completed survey will not qualify you for the health credit.  The HRA must be completed in full by midnight on May 2, 2014.

Am I eligible for the health premium credit if I am covered under the State of Maine health insurance plan as a retiree or as a retired teacher?
No. This program applies to active State of Maine employees only. If you are unsure which plan you are on, please call Employee Health & Benefits at 1-800-422-4503.

I have a question about taking the HRA; who should I call?
Aetna Member Services at 1-855-850-0039

Who needs to complete the HRA?
You and all adult covered dependents on your health insurance policy as of April 1, 2014.

What is considered an "adult covered dependent?"
Examples of dependents include but not limited to: spouse, domestic partner, children, etc. who are at least 18 years or older as of April 1, 2014.

Does each of my adult dependents need to create their own Aetna Navigator account to take the HRA?
Yes.

I only see one Aetna ID number on my card; do all of the covered adults have the same ID number?
Yes. All members share the same ID number. For State of Maine Members this is the number right above the subscriber's name and begins with a "W."

I plan to drop my adult dependent from my health insurance during open enrollment; does he/she still need to take the HRA and name a PCP with Aetna for the credit?
Yes.

If I complete the HRA and my adult dependent does not, will I receive any part of the credit?
No. In addition to having name a Primary Care Physician (PCP) under the health plan, you and your adult dependents must each complete the Aetna HRA to receive the health credit.

If my adult dependent(s) or I have not named a PCP within the health plan, am I still eligible to receive a health credit?
No. You and your adult dependents are required to meet both of the eligibility criteria: having a named PCP and completing the HRA.

I don't see my doctor's name on my Aetna ID card; what should I do?
Call Aetna Member Services at 1-855-850-0039 and ask if they have your PCP on file.  Doctors in the Aetna Network can be found in the DocFind Tool.  If you have named a doctor that is outside the Aetna network, their name will not appear on your ID card. 

Can I change my PCP on line?
Yes. Once you have logged into Aetna Navigator, select ‘Coverage & Benefits’ from the top, left-hand side of your screen.  You will see your doctor’s information listed here if you currently have a doctor in the Aetna network.  Then select ‘change’ next to Primary Care Doctor.  You will need to call Aetna Member Services at 1-855-850-0039 if naming a doctor outside the Aetna network.

I usually see the Physician's Assistant (PA) or Nurse Practioner (NP) when visiting my doctor's office; is that who I should name as my doctor?
No. The actual doctor's name must be provided. If you need help finding a doctor, check out Aetna's DocFind Tool for a list of network providers.