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Health Insurance for Active Employees
Comprehensive Coverage for Your Health Needs
Access important information about health insurance options available to active employees. Learn about your benefits, coverage choices, and how to navigate your healthcare plan effectively.
Welcome to the City of Racine’s Benefits Information page! This page will have information you will find helpful throughout your employment at the City of Racine. As a Benefits Eligible employee you are entitled to participate in the City of Racine’s Health and Benefits Plan.
To view the benefits and premium rates for the current plan year, please see the Benefits Guide listed below.
2026 Centivo Insurance

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CVS Caremark

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MetLife Dental Insurance
Effective the first day of the month following your date of hire, you are eligible to be covered by the City of Racine’s dental insurance plan. The City of Racine has two plans which are administered by MetLife. They are a Basic Dental Plan and an Advanced Dental Plan. The links below will provide an explanation of both plans.
If you are enrolled in one of the health insurance plans, the City of Racine will pay for a Basic employee only plan for you. You can upgrade coverage to include your family members or to move to the Advanced plan. If you do not wish to enroll in a health insurance plan, you can still enroll in a dental plan, but the City of Racine will not make any contributions for you.

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MetLife Short-Term Disability Insurance

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Superior Vision Insurance

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Health Savings Account (H.S.A)
A Health Savings Account (H.S.A) is a tax beneficial savings account that can be used in conjunction with a qualified High – Deductible Health Plan. The funds put into an H.S.A. may be used on future, eligible health care expenses without any taxation. To learn more information about a Health Savings Account please visit the links below.
Note: To receive the Racine Resident H.S.A City contribution, you must complete the Residency Verification Form and submit two documentation to HR.

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Flexible Spending Account
The City of Racine offers a flexible spending account which is administered by United Healthcare. A flexible spending account (FSA) is a special account that lets you set aside money, before it is taxed, to help pay for eligible health care and/or dependent care expenses.
Note: You cannot have a Medical H.S.A and a Medical F.S.A.

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Pension
Effective your first date of hire, you will be enrolled into the Wisconsin Retirement System. The Contribution rate for 2024 is 13.80% of your salary. The City of Racine will contribute 6.90% and you will have a mandatory contribution of 6.90%.
Your Benefit Handbook – Information on the Pension
There is a Core and a Variable Trust Fund. You are automatically enrolled in the Core Fund. If you would like to find out more about how participation in the variable trust fund affects your pension, please see the link below.
How Participation in the Variable Trust Fund Affects Your WRS Benefits
If you would like to make additional contributions to your pension, please see the link below.

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Life Insurance

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Deferred Compensation

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Racine Employee Health & Wellness Center
The Employee Health and Wellness Center run by Ascension Wisconsin is available to you and your dependent(s) if enrolled in the medical insurance. The Employee Health and Wellness Center provides accessible health and wellness resources that improve the well-being of our employees and their dependent(s). It provides comprehensive services including clinic visits, health coaching, and preventative exams and health screenings. Each non-preventative office visit costs $25.00. For more information about the Employee Health and Wellness Center and the services that they provide, please see the fliers below.
Health and Wellness Center Phone Number: 262-687-5565

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Wellness Program

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Employee Assistance Program
The City of Racine offers an Employee Assistance Program (EAP). The EAP program provides free problem assessment, short term counseling referral and follow-up for you and your family. All contacts with the EAP are strictly confidential.
All employees (regardless if enrolled in City’s health insurance) are eligible to use the EAP starting in 2022.

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Student Loan Repayment Program

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Racine Financial Empowerment Center

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Edvest 529

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Aflac
The City of Racine partners with Aflac, who provides voluntary supplemental insurance to employees. Aflac helps with expenses health insurance does not cover, providing options such as Short-Term Disability and Accident insurance. Employees are responsible for the costs of any insurance(s) purchased through Aflac. To view Aflac’s website and to learn more information about what is offered, please see the links listed below.
When enrolling in benefits, you will be doing so through the end of the calendar year. You will only be allowed to make changes to your enrollment choices prior to December 31st if you have a “Qualifying Event”. In the fall, Human Resources will conduct an Open Enrollment for the next benefit year.

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Childcare Resources

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Compliance Notifications
Transparency in Coverage

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