Medical Insurance

PPO Plan

This open access plan features an extensive network of physicians and health care providers. Participants have access to any provider that is part of the networks without the need to select a primary care physician when enrolling. Any specialist within the plan networks can be seen without getting a referral from a primary care physician. The out-of-network benefit offers even more flexibility when selecting a provider. The Cigna plan has a deductible and co-insurance amounts.

There are no pre-existing condition limitations in this plan. 

HDHP Plan

The Cigna HDHP plan is a high deductible PPO-network plan with a health savings account (HSA) to which employees can contribute. The funds in the HSA can be used to pay for eligible medical expenses and gives members control over how their medical care dollars are spent. Reimbursement for eligible medical expenses are tax-free and unused funds roll over from year to year.

At the start of the year, the university allocates a fund to help the participant pay for medical expenses covered by the plan. The employee can also contribute to this fund through payroll deduction. NOTE: The Health Savings Account is not fully funded at the beginning of the year. These contributions are made on a prorated basis per pay period. 

The fund is used to pay for eligible medical care expenses up to the health savings account fund amount. Preventive care, such as routine physicals and immunizations, is covered at 100% and is not counted against the member’s fund. Fund money left at the end of the year is added to the next year’s fund balance. This allows members to plan for future expenses as long as they remain in the plan. Although this plan has a lower monthly premium, it does have a higher deductible and higher out-of-pocket expenses and may be best suited for individuals without a large amount of medical expense. 

The Cigna HDHP plan features an extensive national network of physicians and health care providers. A primary care physician does not have to be selected. Any specialist within the plan network can be seen without a referral. 

The Cigna HDHP does offer a limited list of generic preventive medications covered at no cost, including Asthma, Osteoporosis, Depression, Diabetes, Heart Disease, Stroke, Cholesterol, High Blood Pressure, Prenatal Vitamins. 

There are no pre-existing condition limitations in this plan.

Current participants can manage their Cigna HSA account online through myCigna.com. 

Cigna Vision Exam Coverage

The OU Medical plan covers one routine vision exam every 24 months.

• $30 copay on the PPO plan
• Covered at 100% on the HDHP plan

OU also offers a comprehensive vision plan with MetLife.