Compare Your Health Plan Options Carefully

OU Health offers a range of medical, dental and vision plans so you can choose the coverage that best fits your needs and budget. Get to know all your options here.

Your health plan options include:

  • Three medical plans (PPO, HDHP 1, HDHP 2)
  • HDHP 1 and HDHP 2 are High Deductible Health Plans (HDHPs). Each can be paired with a health savings account (HSA). The HSA is funded with tax-free company contributions ($600 Individual/$1,200 Family for 2025). You can make tax-free contributions, too.
  • Three dental plans through Delta Dental (PPO Choice Advantage, PPO Basic and PPO Premier)
  • Two vision plans through VSP Choice Network (Basic Plan and Enhanced Plan)

Medical Plan Comparison

All three medical plans:

  • Have per-paycheck premium deductions to give you coverage (26 pay periods).
  • Offer coverage for the same services and prescription drugs.
  • Pay 100% of eligible preventive care if from OUH Custom Network* or BCBS In-Network providers/facilities (even if you have not yet met the annual deductible).
  • Save you the most money when you receive care from providers/facilities in the OUH Custom Network* and get your prescriptions filled at an OU Health pharmacy.
  • Protect you with an annual out-of-pocket maximum
  • Can be paired with eligible tax-advantaged account(s) to help you pay for qualified healthcare expenses

*The OUH Custom Network includes OU Health facilities and providers plus selected community partners such as Norman Regional. Learn more at bcbsok.com.

However, the premiums, coverage levels and eligible tax-advantaged account(s) are different for each plan. Review the charts below for 2025 medical plan details. There’s also a snapshot of the tax-advantaged accounts that are available with each plan.

Dental Plan Comparison

All three dental plans offer coverage for the same services, including basic, major and orthodontia benefits for covered adults and children. However, the premiums and coverage levels are different for each plan. Review the charts below for 2025 dental plan details.

Vision Plan Comparison

Both vision plans offer coverage for the same services. However, the premiums and coverage levels are different for each plan. Review the charts below for 2025 vision plan details.

How Do You Choose?

The right medical, dental and vision plan choices depend on your personal situation: your budget and how much/what kinds of care and prescriptions you expect to need.

For help with your medical plan choice, the Flimp Decisions tool makes it easy for you:

  • Answer four simple multiple-choice questions and instantly see which plan is likely to offer the highest value for healthcare services you expect to need.
  • Click a few more times to see your estimated annual costs and how you could make the most of a tax-advantaged account (FSA and/or HSA) with each plan option.

To get the most from Flimp Decisions:

It’s a good idea to run at least three scenarios:

  • Realistic Case: your best guess at what care and prescriptions you expect to need next year
  • Best Case: What you would need if you and your family stay healthy next year
  • Worst Case: You reach your out-of-pocket maximum
Visit Flimp Decisions now

Check out Wellbeing360

  • Be sure to secure $650 in annual Wellbeing360 savings on your 2026 OU Health medical plan coverage. Complete wellbeing steps by Sept. 30, 2025, to receive the $25 per paycheck ($650 annual) savings on your 2026 OU Health medical plan premiums.
  • You can also earn reward points worth up to $200 per year to redeem for gift cards and merchandise.
  • Learn more about Wellbeging360 here.

Medical/Prescription ID Card

  • You receive a combined medical/prescription drug ID card when you enroll in OU Health medical coverage.
  • Your ID card will include your annual deductible, coinsurance and copay amounts.
  • Watch for your ID card in your home mail so you will have it when you need care.
  • Be sure to show your card to your medical and prescription providers.

Back to new hire enrollment checklist

NEW HIRE ENROLLMENT CHECKLIST

  • Get a quick Benefits Overview
  • Compare your health plan options carefully
  • Consider your tax-advantaged account options
  • See how voluntary benefits could save you money
  • Think about your disability and life insurance needs
  • Enroll now (or within 30 days of your hire date)*

*You must enroll by 5 p.m. CT on the 30th day following your date of hire for coverage in a health plan, FSA, HSA, legal services plan, and/or supplemental, critical illness, hospital indemnity and/or accident insurance plan to take effect on your hire date. Otherwise, you waive coverage in these plans until the next Open Enrollment (or until you have a qualifying life event, if sooner).

Check out Wellbeing360

  • Be sure to secure $650 in annual Wellbeing360 savings on your 2026 OU Health medical plan coverage. Complete wellbeing steps by Sept. 30, 2025, to receive the $25 per paycheck ($650 annual) savings on your 2026 OU Health medical plan premiums.
  • You can also earn reward points worth up to $200 per year to redeem for gift cards and merchandise.
  • Learn more about Wellbeging360 here.

Medical/Prescription ID Card

  • You receive a combined medical/prescription drug ID card when you enroll in OU Health medical coverage.
  • Your ID card will include your annual deductible, coinsurance and copay amounts.
  • Watch for your ID card in your home mail so you will have it when you need care.
  • Be sure to show your card to your medical and prescription providers.