2026 Out-of-State Information

Understanding Your 2026 Medical Plan Choices

OU Health continues to find innovative ways to help you manage rising healthcare costs. You can save significantly by using the OU Health Custom Network and by participating in the Wellbeing360 savings program.

Below is an overview of medical plan coverage, including paycheck premiums and treatment costs for the OU Health Custom Network, in-network and out-of-network providers.

Employees who fulfill the requirements for Wellbeing360 savings will receive a $25 reduction in medical premium rates per paycheck.

*Generally, you pay the full cost of covered services until you meet the annual deductible. After that, you and the plan share costs through copays and/or coinsurance.

** PPO Plan Family Coverage: Each family member has an individual deductible. Once a member meets their deductible, the plan begins paying its share for that individual. When the combined total reaches the family deductible limit, the plan begins paying its share for all family members.

*** HDHP Family Coverage: The family deductible applies collectively. As family members receive services, their expenses count toward the total. Once the combined total reaches the family deductible limit, the plan begins paying its share.

**** Out-of-Pocket Maximum: The annual out-of-pocket maximum is the most you’ll pay for covered services, including medical, prescription drug and behavioral health, within the plan year. With family coverage under all three plans, each member has an individual out-of-pocket maximum. Once a member reaches the limit, the plan pays 100% of the member’s covered expenses. When the combined total reaches the family’s out-of-pocket maximum, the plan pays 100% of covered expenses for all family members.