Health
Who is eligible?
When can you enroll or make changes in your coverage?
When does coverage end?
Coverage ends at 11:59 p.m. on:
Click the boxes to learn more about each of your HEALTH resources, including:
OU Health offers three medical plans: PPO, HDHP 1 and HDHP 2. All three plans cover the same healthcare services. All use Blue Cross/Blue Shield of Oklahoma’s extensive network of providers and our own OU Health providers. The main difference is in each plan’s coverage levels—which in turn affects the amounts you pay for coverage and services under each plan.
Your Medical Plan Options
You have three medical plan options (PPO, HDHP 1 or HDHP2).
Medical Plan Comparison
All three medical plans:
*The OUH Custom Network includes OU Health facilities and providers plus selected community partners such as Norman Regional. Login to your account at bcbsok.com to find all providers/facilities in the OUH Custom Network (Tier 1).
What’s different:
The premiums, coverage levels and eligible tax-advantaged accounts differ from plan to plan.
Medical Plan Premiums, Coverage Levels and Costs
Check out these 2025 medical plan charts to learn more about the similarities and differences between all three medical plans. There’s also a snapshot of the tax-advantaged accounts available with each plan.
If you earned the Wellbeing360 Discount for 2025, congratulations and thank you for participating. Visit Wellbeing360 to learn how you can earn the discount on OU Health medical plan premiums for 2026.
Prescription Drug Benefits
To understand how your prescription drugs are covered, you need to know whether each is:
To find out which category a specific prescription is in, visit www.myprime.com.
*The IRS states that “drugs or medications are preventive care when taken by a person who has developed risk factors for a disease that has not yet manifested itself or not yet become clinically apparent (i.e. asymptomatic), or to prevent the re-occurrence of a disease from which a person has yet recovered.”
Save Time and Money on Your Prescriptions
Here are some simple steps you can take to get the most from your prescription drug benefit.
Visit myprime.com to find an in-network pharmacy and see lists of generic and preferred brand-name drugs. Or call PRIME at 877-546-2779.
OU Health Pharmacy Services
By using an OU Health pharmacy, you don’t just save money. You also receive advantages such as:
MTM pharmacist consultation services are also available. These services include comprehensive medication review and targeted medication education. You can ask an MTM pharmacist any medication-related question; for example, medication administration or side effect management. Email our MTM pharmacists at MTM@ouhealth.com.
All five pharmacy locations on OU Health campus offer the complete range of general pharmacy and retail services. OUH Edmond Medical Center employees also have on-campus and/or mail-to-home delivery options. For the OU Health Pharmacy locations and hours, see this chart:
Get the Most from Your Medical Coverage
Your total annual costs for medical/prescription drug coverage and services will depend on which plan you are enrolled in, the types and number of services you and your family use, and where you receive the services. That’s why it’s important to use your medical plan in the most effective way possible.
Use the OUH Custom Network (Tier 1) whenever possible…
You’ll get the most savings when you use providers and facilities in the OU Health Custom Network (Tier 1). These extra savings are built into all three medical plans.
The OUH Custom Network includes OU Health facilities and providers plus selected community partners such as Norman Regional. Login to your account at bcbsok.com to find all providers/facilities in the OUH Custom Network (Tier 1).
More tips:
Medical/Prescription ID Card
Specialty Care Programs
Have a condition that needs extra support? Check out these specialty care programs. All are available to you and eligible family members at no cost (if enrolled in OU Health medical coverage).
Blue Cross/Blue Shield of Oklahoma’s Empower+ is a member-centered approach to care management that gives you:
To learn more:
Blue Cross/Blue Shield of Oklahoma’s Well onTarget program supports your wellbeing journey. The program is available to those enrolled in an OU Health medical plan and offers all this and more:
To learn more:
Hinge Health offers pain relief through convenient virtual physical therapy and more. Employees and dependents age 18 and older who are enrolled for OU Health medical coverage are eligible. Programs include:
Back, knee and other joint and muscle pain support:
Women’s pelvic health program:
To learn more:
Teladoc Health gives you personalized support to help you manage pre-diabetes, diabetes and/or hypertension. Employees and dependents age 18 and older who are enrolled for OU Health medical coverage may participate if diagnosed with an eligible condition. Here are the highlights:
To learn more:
You have a choice of three dental plans through Delta Dental of Oklahoma. This choice gives you the flexibility to meet your needs and budget.
Dental Plan Comparison
All three dental plans offer coverage for the same services: basic, major and orthodontia benefits for covered adults and children. However, the premiums and coverage levels are different for each plan. Take a closer look here:
Delta Dental’s Health through Oral Wellness® (HOW)
All three dental plans offer the HOW program, which enhances benefits for those with a higher risk for cavities and/or periodontal disease.
After your dental office uses the HOW assessment, you could get approved for additional benefits each year to help improve your oral health. The additional annual benefits include up to four free cleanings, as well as fluoride treatments, sealants and additional oral hygiene instruction.
To learn more, visit DeltaDentalOK.org/HOW
Remember Your Tax Advantaged Accounts
You have a choice of two vision plans from VSP. This choice gives you the flexibility to meet your needs and budget.
Vision Plan Comparison
Both vision plans offer coverage for the same services: annual exams, frames, lenses and more. However, the premiums and coverage levels are different for each plan. Take a closer look here:
Remember Your Tax Advantaged Accounts
You can open a health savings account (HSA) when you enroll in HDHP 1 or HDHP 2. The HSA offers a triple tax advantage: all contributions, withdrawals and investment income are tax free.
How the HSA Works
Your HSA is a special bank account opened in your name with Optum Financial. You can use your HSA money to pay for eligible healthcare expenses incurred after opening the account.
Tax-Free Contributions
When you’re enrolled in HDHP 1 or HDHP 2:
Tax-Free Withdrawals
When it’s time to pay for eligible healthcare expenses for yourself and/or covered dependents, you can:
You can only use the funds that have been deposited in your HSA. There’s no “advancing of funds” based on the total amount that is scheduled to be deposited for the year.
Eligible healthcare expenses are defined by IRS rules. These expenses generally include costs you pay for medical, dental and vision care for yourself, your spouse and dependent(s) you claim on your income tax return. For more details, see IRS Publication 502.
Tax-Free Investment Income
Any investment income your HSA earns is tax free while it remains In your account and as part of any funds you withdraw to pay eligible healthcare expenses.
No “use it or lose it” rule
HSA eligibility… the details
To be eligible to set up and contribute to an HSA in 2025, you:
*You can be enrolled in a “limited purpose” FSA in 2025 if you have an HSA.
Flexible spending accounts (FSAs) help you pay for eligible healthcare and dependent care expenses each year on a pre-tax basis. The money you contribute to these accounts comes out of your paycheck before most taxes are deducted (federal income tax, Social Security, Medicare and most state taxes). You withdraw it tax-free when you pay for eligible healthcare and dependent care expenses.
How the FSAs Work
With an FSA, you elect your annual contribution amount when you enroll. The IRS sets a cap on how much you can contribute each year and what types of expenses you can use your FSA funds to pay.
Your FSA contributions go into your account biweekly, through convenient paycheck deductions. Your total annual contribution is pro-rated into 26 per-paycheck before-tax contributions.
Healthcare FSA
Limited Purpose FSA
Dependent Care FSA
Tax-Free Reimbursements
When it’s time to pay for eligible FSA expenses for yourself and/or covered dependents, you can:
Generally you can only use the funds that have been deposited in your FSA. In certain life event situations, you can use “fund advances” based on the total amount that will be deposited for the year.
The withdrawals are not taxed, as long as you use the money to pay for eligible expenses.
To submit FSA claims…
Annual “Use-it-or-Lose-it” Rule
For all three types of FSAs, you have until March 31, 2026 to submit any eligible expenses you incurred from Jan. 1 through Dec. 31, 2025.
In April 2026:
Keep in mind…
The FSA annual limits and eligible expenses are subject to change based on IRS guidelines.
Detailed explanations of eligible expenses can be found in IRS Publications:
Our short- and long-term disability insurance options offer you and your family protection from loss of your income.
Short-Term Disability Insurance
If you can’t work due to a covered illness or disability, your short-term disability benefit continues to pay all or a part of your salary for up to 26 weeks. There is a one-week waiting period before your salary continuation payments begin.*
*Staff below Director level may choose to use paid time off (PTO) during the waiting period (first seven calendar days). However, PTO cannot be used to supplement pay when you are receiving less than a 100% benefit. Also, new employees have a 90-day waiting period before short-term disability benefits may begin.
Long-Term Disability Insurance
Full-time employees may elect long-term disability (LTD) insurance of 50%, 60% or 66-2⁄3% of base annual salary.* If you become disabled, LTD benefit payments would begin 180 days after the date you became disabled. (Short-term disability benefits are available for the first 180 days.) LTD payments would continue until you are no longer disabled or until you reach normal retirement age (if earlier). The maximum monthly LTD payment is $25,000.
*Part-time employees are not eligible to elect long-term disability insurance. Executives receive company-paid LTD insurance coverage equal to 66-⅔% of base salary, up to a maximum monthly benefit of $25,000 in 2025.
When an accident, critical illness or unplanned hospital stay happens, you may need additional financial assistance. Enrolling in one of these plans could give you and your family the peace of mind that extra protection can bring.
Accident, Critical Illness, Hospital Indemnity Insurance
These voluntary benefit policies from The Hartford pay cash benefits. There are no restrictions on how you use the money. For example, you might use the cash to pay for medical expenses like deductibles and copays, household bills, housekeeping and/or child care. The cash benefits will help you get through a difficult period.
You pay for the coverage through convenient after-tax paycheck deductions.
You can enroll in accident, critical illness and/or hospital indemnity insurance during annual Open Enrollment, within 30 days following your hire date or within 30 days of a qualifying life event. “Qualifying life events” include a legal marriage or domestic partnership, birth or adoption of a child, death of a spouse or dependent, a change in the employment status of you, your spouse/domestic partner or dependent that affects benefits eligibility, and a dependent’s gain or loss of coverage from another source. (See Mid-Year Election Changes for more details.)