Your Health
COMPREHENSIVE HEALTH COVERAGE FOR YOU AND YOUR FAMILY: MEDICAL, DENTAL, AND VISION PLANS OVERVIEW
OU Health benefits are designed to support your overall wellbeing, adapt to your evolving needs and provide cost savings and convenience when using OU Health (OUH) Custom Network – ensuring your family’s health is protected every step of the way.
- Medical: Choose from three medical plans through BlueCross BlueShield: PPO, HDHP 1 or HDHP 2. Each plan offers access to the OU Health Custom Network, as well as in-network physicians, pharmacies and hospitals. Using OU Health providers can lead to substantial savings.
- Employees who work from home outside of Oklahoma will have access to a separate high-deductible plan.
- Dental: Select from three dental coverage options through Delta Dental: PPO Choice Advantage, PPO Basic or PPO Plus Premier Premium.
- Vision: Choose between two vision plans through the VSP Choice Network: Basic Plan or Enhanced Plan.
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 1 and HDHP 2 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 out-of-pocket maximum, the plan pays 100% of covered expenses for all family members.
Save the Most With OU Health (OUH) Custom Network
The greatest cost savings come from using the OU Health Custom Network (Tier 1), which includes OU Health facilities and select community partners such as Norman Regional.
To find Tier 1 providers and facilities near you, visit BCBSOK.com and search for the OU Health (OUH) Custom Network.
*Deductible does not apply. ** After deductible.
*Deductible does not apply. ** After deductible.
Applies to facility charges only.
*Deductible does not apply. ** After deductible.
*Deductible does not apply. ** After deductible.
*Deductible does not apply. ** After deductible.
2026 Prescription Benefits
YOUR SMARTEST RX CHOICE: OU HEALTH PHARMACY
Your health and peace of mind start with easy access to the medication you need. When you enroll in an OU Health medical plan, you receive comprehensive prescription drug coverage through Rightway, with retail and home delivery pharmacy options. For maximum convenience and savings, choose OU Health Pharmacy — offering the complete range of pharmacy services from everyday prescriptions to specialty medication. Switching to an OU Health Pharmacy means more than just filling a prescription — you’re saving time, money and hassle while supporting your wellbeing.
WHAT YOU’LL APPRECIATE ABOUT OU HEALTH PHARMACY
Real Savings: Our pharmacies are in-network and offer better cost savings than outside pharmacies, which means lower copays and more cash in your pocket.
Specialty Services (Made Simple): From specialty medication to on-site immunizations, we’ve got you covered. Our team is an expert in simplifying the prior authorization process for you.
Convenience at Your Fingertips: Use your MyChart app to request refills and easily transfer your medication, ask questions and manage your family’s prescriptions from anywhere, 24/7.
Free Home Delivery: Skip the trip! Campus Central Pharmacy mails your medication to your home, FREE of charge, anywhere in Oklahoma. Time frames may vary.
Flexible Pickup Options: Prefer to pick up in person? On-site pickup is available at Campus Central and other OU Health Pharmacy locations.
*Deductible does not apply. ** After deductible.
*Deductible does not apply. ** After deductible.
Tax-Advantage Spending Accounts
WHY THEY MATTER FOR YOUR FINANCIAL WELLBEING
Every dollar you save on healthcare costs is a dollar you can invest in your future. Tax-advantage accounts are one of the smartest ways to reduce your expenses and build financial security. By using pre-tax dollars for eligible healthcare and dependent care expenses, you can save on costs you’re already paying — money that stays in your pocket for what matters most to you and your family.
HOW OU HEALTH SUPPORTS YOUR SAVINGS
OU Health offers several tax-advantage accounts — managed by Optum Financial — designed to help you maximize your savings and plan for both expected and unexpected healthcare expenses. These accounts give you control over
your healthcare dollars while reducing your tax burden.
CHOOSE THE ACCOUNT THAT FITS YOUR NEEDS:
- Health Savings Account (HSA): Available if you enroll in a HDHP. Enjoy triple tax advantages — pre-tax contributions, tax-free growth and tax-free withdrawals for healthcare expenses. Your HSA balance rolls over year after year, building long-term savings. Your HSA is fully portable and belongs to you. You can take it with you if you change health plans, jobs or retire.
- Flexible Spending Account (FSA): Set aside pre-tax funds for eligible healthcare expenses throughout the year. What you save on taxes stays in your budget for other priorities.
- Limited Purpose FSA (LPFSA): Available to HDHP participants for dental and vision expenses only. Maximize your savings by pairing this with your HSA.
- Dependent Care FSA (DCFSA): Use pre-tax dollars for child and/or elder care expenses while you work. This helps you balance your family responsibilities while reducing your tax burden. The IRS sets annual contribution limits. For 2026, the maximum is $3,750 for individuals and $5,000 for families. (Highly compensated employees may be ineligible or limited to participate in this program.)
Taking advantage of these accounts is an investment in your financial wellbeing — helping you manage today’s expenses while building security for tomorrow.
The above chart compares and contrasts key features of the accounts available with OU Health’s medical plan options. Keep in mind, you can enroll in FSA even if you do not enroll in OU Health medical, dental or vision coverage.
The tax-advantage accounts are governed by Internal Revenue Service (IRS) rules, regulations and guidelines, which are subject to change by the IRS.
*Exception: Up to $640 of any funds that remain in your FSA or LPFSA as of the deadline for submitting 2026 reimbursement claims (March 31, 2027) will be rolled over into a 2027 FSA for you. Any amount above $640 will be forfeited.
HEALTH SAVINGS ACCOUNTS (HSA)
Build your financial future while protecting your health.
- An HSA is an individually owned, tax-free (federal) savings account used to pay for eligible health expenses, now or in retirement. It’s one of the most powerful tools for long-term financial wellbeing, with triple tax advantages.
- OU Health invests in your future: We contribute to your HSA quarterly. One-fourth of the annual company contribution is deposited with the first paycheck of each quarter, real money to boost your health and financial security.
- Your money, your future: The money in your HSA is always yours to keep and rolls over year after year. You can take your unused balance with you when you leave or retire, building a safety net for healthcare expenses throughout your life.
- Catch-up contributions for added security: If you turn 55 in 2026 or earlier, you’re eligible to make an additional “catch-up” contribution to accelerate your savings as you approach retirement.
IMPORTANT: TAX-ADVANTAGE ACCOUNTS INFORMATION
Upon enrolling, you will receive a debit card from Optum Financial. To access your contributed funds, you must activate the card before use.
Benefits to Help You Thrive
ADDITIONAL BENEFITS FOR MEDICAL PLAN MEMBERS
Your health matters — you deserve support every step of the way. Employees enrolled in OU Health’s medical plan receive access to additional benefits that go beyond coverage, giving you the tools, guidance and expertise to thrive.
These resources are your partners in health, helping you manage chronic conditions with confidence, pursue personal health goals that matter to you, and navigate the complexities of the healthcare system without stress and confusion. Whether you’re dealing with a new diagnosis, working to improve your overall wellness or simply need guidance finding the right care, these benefits remove barriers and put expert support at your fingertips.
By leveraging these resources, you can take proactive steps to maintain your health, prevent future complications and maximize the value of your medical plan throughout the year — giving you more time and energy for what matters most: living your best life.
A HEALTHY SMILE. A HEALTHIER YOU.
Your oral health is also connected to your overall wellbeing — affecting everything from heart health to confidence. There’s nothing like a great smile — taking care of your teeth is an important investment in your long-term health. OU Health offers three dental plans through Delta Dental of Oklahoma, giving you flexibility to choose coverage that fits your needs and budget. While all three plans cover the same services, premiums and coverage levels vary.
*Employees in the PPO Choice Advantage dental plan will receive a schedule of coverage that lists the pricing and copays per service. Benefits shown are for in-network providers and are based on negotiated fees. Out-of-network coverage is based on reasonable and customary (R&C) charges.
DELTA DENTAL’S HOW® PROGRAM: PERSONALIZED CARE FOR YOUR ORAL HEALTH
Delta Dental’s HOW® Program (Health through Oral Wellness®): Your oral health needs are unique, and this innovative program offers enhanced benefits for individuals at higher risk of cavities or periodontal disease. Giving you the extra support you need to protect your teeth and overall health. After your dental office completes a simple HOW assessment, you may qualify for additional annual benefits designed specifically for you, including:
- Up to four free cleanings — more frequent care means better prevention.
- Fluoride treatments — strengthen your teeth and prevent decay.
- Sealants — protect vulnerable areas before problems start.
- Personalized oral hygiene instruction — expert guidance tailored to your needs.
Taking proactive steps to protect your oral health today prevents painful, costly problems tomorrow — and supports your overall wellbeing for years to come.
CLARITY FOR LIFE
Good vision is essential to your wellbeing — it impacts your work performance, safety and ability to fully engage with life’s moments. Regular eye exams detect serious health conditions early, protecting your overall health. OU Health offers vision coverage through VSP with two flexible options and access to a network of quality providers. Both plans offer the same core services — annual exams, frames, lenses and more — giving you the clarity you need. Take a closer look below:
The vision plan also offers additional benefits and discounts, as well as out-of-network allowances.
LONG-TERM DISABILITY (LTD): PROTECT YOUR INCOME AND YOUR FUTURE
An unexpected illness or injury shouldn’t derail your financial stability. OU Health offers long-term disability insurance options to full-time employees to help protect your income and maintain your quality of life if you’re unable to work.
- Full-time employees may elect LTD insurance coverage of 50%, 60% or 66 2/3% of their base annual salary.
- Part-time employees are not eligible to elect LTD insurance.
- LTD benefits begin after the elimination period has been met.
LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT (AD&D): SECURITY FOR YOUR LOVED ONES:
BASIC LIFE AND AD&D COVERAGE
OU Health provides benefit-eligible employees with basic life insurance equal to 1.5* times their annual base salary at no cost to you. This coverage gives you immediate financial protection for your family.
Eligible employees will be auto-enrolled.
*Two (2) times base annual salary for director level and above.
SUPPLEMENTAL LIFE INSURANCE COVERAGE
For additional peace of mind, OU Health offers supplemental life insurance options for you and your dependents on an after-tax basis. You pay the full cost of elected supplemental coverage.
Employee Coverage:
- Full-time employees may elect additional life insurance coverage up to five times their base annual salary, with a maximum coverage of $6,000,000.
- Part-time employees may elect a flat $15,000 in coverage.
- Age-based benefit reductions begin at age 65.
Dependent Coverage:
Child(ren): Coverage up to $10,000.
- For full-time employees.
- Children six months or younger, are limited to $5,000.
- Part-time employees may elect up to $5,000.
Spouse:
- Coverage up to 50% of the employee’s life insurance amount, with a maximum of $75,000.
- If the spouse is age 70 or older, the maximum coverage is $10,000.
- For part-time employees, the maximum benefit is $7,500.
SUPPLEMENTAL AD&D COVERAGE
Full-time employees may elect additional AD&D insurance coverage up to five times their base annual salary. AD&D benefits are paid if you become seriously injured or physically disabled due to an accident. Depending on the type of loss, the benefit amount ranges from 50% to 100% of the elected coverage. These benefits are paid in addition to any life insurance coverage.
For all Life & AD&D policies, reduction in coverage begins at age 65.
UNDERSTANDING EVIDENCE OF INSURABILITY (EOI)
Employees who elect supplemental insurance coverage exceeding one times their base salary may be required to submit an EOI. An EOI is information requested by the insurance company about your past and current health to verify whether you meet the definition of good health. This is a standard process to help you access the additional coverage you need.
Additional Financial Security
SAFEGUARDING YOUR FUTURE
At OU Health, we invest in your health and your future, including your financial security when the unexpected happens. When an accident, critical illness or hospital stay occurs, lost wages and everyday expenses add stress during an already challenging time.
The Hartford’s voluntary benefits pay cash directly to you, helping cover deductibles, copays, household bills, childcare and more. This financial safety net lets you focus on what matters most to you.
HOW IT WORKS
Rates: Premiums for additional voluntary benefits are based on your age and/or the coverage amount you elect. You’ll see your personalized rates in Workday during the enrollment process, making it easy to choose the coverage that fits your budget.
When You Can Enroll: Enrollment in these plans is available:
- Within 30 days of your hire date.
- During annual open enrollment.
- Within 30 days of a qualified life event.
Cost: These voluntary cash benefits are paid for by you through after-tax premiums deducted from your paycheck. You have full control over the coverage you choose and the investment you make in your financial security.
Fidelity Medicare Services
Provides complimentary guidance, enrollment assistance, and year-over-year support, so you can make Medicare decisions with confidence. Fidelity Medicare Services helps you balance your health care needs, lifestyle, and financial goals—today and throughout your Medicare years.
Key features
Whether enrolling in Medicare coverage for the first time or considering changes to your current coverage, Fidelity Medicare Services is here for you.
- Fidelity’s licensed insurance agents specialize in Medicare.
- Plans from health insurance companies vetted by Fidelity:
- Medicare Advantage (Part C)
- Medicare Supplement (Medigap)
- Stand-alone prescription drug (Part D)
- Stand-alone dental, vision, and travel health insurance
- Education and advice to help you balance cost and coverage,
understand enrollment timelines, and avoid penalties. - Online Learning Center with tools and educational resources.
Visit medicare.fidelity.com anytime to learn more about the offering and to access tools and educational resources.
When you (or a loved one) are ready to enroll in coverage or want to make a change to existing coverage, schedule an appointment with a member of the Fidelity Medicare Services team.
- Call 833-886-0033 (TTY: 711) Monday–Friday, 8:30 am–8:00 pm ET.
- Schedule a time to talk.
- Share this information with a friend or relative who may benefit from help with Medicare decisions
