Getting Insurance

The university provides a rich selection of insurance programs to help you stay healthy and plan for the future. Review the information on these tabs to fully understand your options.

Deadlines: You have 31 days from your hire date to make your insurance choices. 
Coverage Start Date: Coverage begins on the first of the month after your hire date. 
Enroll: Use Employee Self-Service or the form you received at orientation.
Get Help: HR recommends that you attend MyOU New Employee Orientation and Benefits Orientation to get a fuller understanding of OU and your insurance options. Tulsa employees will receive an invitation to attend Orientation. All employees can enroll through the training calendar. You can also make an appointment for one-on-one help by contacting HR

Insurance Overview for New Employees

 

University Paid Insurance - Sooner Credits

The university pays a portion of the insurance premiums for benefits eligible employees as part of their total compensation package. These contributions are called "Sooner Credits" and are listed on the left side of your paycheck earnings statement. Sooner Credits are used for the core insurance programs: medical, dental, life insurance, and accidental death & dismemberment. 

Click on the Optional Insurance tab to review the insurance you may choose to enroll in and pay the entire premium as a payroll deduction.

Full and part-time employees classified to work between 20 and 40 hours per week are eligible for benefits. The Sooner Credit amount contributed for each employee is prorated based on their full-time equivalency (FTE) as shown below.

 FTE  % of Sooner Credits
 .5-.59  50%
 .6-.74  75%
 .75-1.0  100%

How to Enroll

Eligible employees have 31 days from the date of hire to choose their insurance benefits or they will be defaulted into the standard core benefits at the employee only coverage level. You may also cover your dependents. Eligible dependents are spouses, dependent children under age 26, or disabled dependent children of any age.

If full-time employees neglect to enroll in insurance during this time, they will be automatically enrolled only in the 4 core insurance programs described below at the Employee Only coverage level. If employees with .74 FTE or less neglect to enroll, they will not have coverage.  

Option to Waive Medical Insurance

Proof of other current medical insurance coverage is required to waive participation in the university-provided medical insurance plan for all employees at .75 FTE or above. An employee who waives insurance coverage provided by the university receives those credits as taxable income ($50 a month in the case of medical insurance). Those credits can then be used to purchase additional pre-tax or after-tax benefits, at the employee’s discretion. A part-time employee who elects to waive medical insurance coverage but does not provide proof of other medical coverage will not receive the credit. Part-time employees who do show proof of other coverage receive a prorated credit based on their FTE status. 

Enrollment Forms

  • Norman: You many enroll online through Employee Self-Service or use the form you receive at New Employee Orientation.
  • Health Sciences Center: Human Resources will send you a personalized enrollment form about a week after you're hired. You may complete this form or use it as a worksheet to help you enroll online through Employee Self-Service.
  • Tulsa: Human Resources or your department representative will provide personalized forms for enrollment.

Premium Rates

Your insurance premium rates are determined by two factors: how many hours you work and your income. Click on "Rates" in the right column of this page to review insurance premiums.

  1. Whether you are part-time or full-time impacts the amount of Sooner Credits the university contributes toward your benefits. Your FTE or full-time equivalent status is used to pro-rate the amount of Sooner Credits you will receive. A full-time employee has an FTE of 1.0 and receives the full amount of Sooner Credits they are eligible for. A half-time employee has an FTE of .5 and receives half the amount of Sooner Credits compared with a full-time employee.

  2. In addition to your full-time equivalent status, your income tier is also considered when determining your medical premium rates. There are six income tiers for medical premiums. Lower income tiers receive more Sooner Credits.  

 

Coverage Start Date

Coverage for you and your eligible dependents begins on the first day of the month following your date of hire.

Making Changes to Insurance

Once your first 31 days have passed, changes to your benefits can be made in only two ways.

  1. Each fall there is a benefits enrollment period during which you can change your benefits for the following year effective on January 1.
  2. Certain life events that occur during the year such as marriage, divorce, adoption, birth of a child, loss of other coverage, or death, are considered qualifying events by the IRS. Some insurance changes are allowed mid-plan year if you experience one of these qualifying events. Insurance changes must be made within 31 days of the event. Click here to find information about changing your benefits for qualifying events.

The university pays a portion of the premiums for these four core insurance benefits. These contributions are called Sooner Credits and are shown in the left column of your paycheck earnings statement.  

Medical Insurance

OU medical insurance is provided by BlueCross BlueShield of Oklahoma.Three plans are available: the BlueOptions PPO, BlueLincs HMO, and BlueEdge HCA. There are several things you should consider when choosing a medical insurance plan including premiums, networks, and covered services. Use the links in the right column to learn more about medical insurance.

Option to Waive Medical Insurance

Proof of other current medical insurance coverage is required to waive participation in the university-provided medical insurance plan for all employees at .75 FTE or above. 

Dental Insurance

OU offers you a choice of two dental plans from Delta Dental depending on the level of coverage you and your family may need: the Basic Plan and the Alternate Plan. Dental coverage for an employee in the Basic Plan is fully paid for by the university. 

Both plans cover preventive, basic, and major services, but they differ in how much they pay for covered services. Under each plan, you can visit any licensed dentist.

There are several Delta Dental highlights worth mentioning.

  1. There is large network coverage in the Delta Dental Premier Network.
  2. Orthodontia is covered up to $1500 lifetime maximum per individual participant (children and adults).
  3. Most implants can now be covered under either plan and are subject to the deductible and the annual maximum benefit payment that applies to the specific class of covered dental services. Due to the complexity of implant coverage, it is advised that implant coverage be discussed between your dental provider and Delta Dental.

Use the links in the right column to learn more about dental insurance.

Life Insurance

Basic life insurance for an employee is fully paid for by the university. In the case of your death, the policy pays a benefit that is one and a half times your annual salary. You will need to name at least one person as a beneficiary on this policy. Purchasing supplemental life insurance is described on the Optional Insurance tab above.

Use the links in the right column to learn more about life insurance.

Accidental Death & Dismemberment (AD&D) Insurance

AD&D coverage for an employee is fully paid for by the university. Accidental Death and Dismemberment insurance pays a benefit to your beneficiary if you were to die because of an accident whether at work or not. Also if you were to lose a limb because of an accident, you would receive a partial benefit with this policy. You will need to name at least one person as a beneficiary on this policy. Purchasing additional AD&D insurance is described on the Optional Insurance tab above.

Use the links in the right column to learn more about AD&D insurance.

Optional insurance is paid for by the employee as a payroll deduction. Optional insurance choices must also be made within 31 days from your hire date.

Flexible Spending Accounts (FSAs)

A Flexible Spending Account, also called an FSA, is an optional benefit that can help you save money on healthcare and dependent daycare. FSAs allow participants to set aside part of their pre-taxed wages to pay for out-of-pocket medical and daycare expenses. OU offers two kinds of FSAs administered by PayFlex: a healthcare FSA and a dependent daycare FSA. You can choose to be in one or both of them.

Use the links in the right column to learn more about FSAs.

Vision Insurance

Vision insurance is an optional benefit that the employee pays for through a pre-tax payroll deduction. You can choose from two plans provided by VSP: the Basic Plan and the Premium Plan. 

Both plans provide coverage for a regular visit to your eye doctor once every 12 months, frames, lenses, and contacts. The co-pays for these services and the frequency you can get them are determined by which plan you choose.

NOTE: One vision check-up every 24 months is covered by your medical insurance. This medical benefit covers only the exam and does not pay for contacts or glasses.

Use the links in the right column to learn more about vision insurance.

Supplemental & Dependent Life Insurance

 

Employees can purchase optional supplemental life insurance for themselves and optional life insurance for their spouses and children through a payroll deduction.

Supplemental Life Insurance

Supplemental life insurance can be purchased at different coverage levels. If you enroll now as a new employee, you may not be required to complete an evidence of insurability form depending on the coverage amount you choose. 

The beneficiary for Supplemental Life Insurance is the same person you chose as the beneficiary for Basic Life Insurance.

Use the links in the right column to learn more about supplemental life insurance.

Dependent Life Insurance

You can purchase dependent life insurance for your spouse or your children at different coverage levels. Dependent life insurance is a benefit that the employee pays for through an after-tax payroll deduction. 

You, as the employee, are named as the beneficiary on both spouse and child life insurance policies.

Use the links in the right column to learn more about dependent life insurance.

Additional & Dependent Accidental Death & Dismemberment (AD&D) Insurance

The university provides basic AD&D coverage for an employee. Accidental Death and Dismemberment insurance pays a benefit to the beneficiary if covered person were to die because of an accident whether at work or not. Also if the covered person were to lose a limb because of an accident, a partial benefit would be available with this policy. Use the links in the right column to learn more about AD&D insurance.

Additional Coverage

  • You can purchase additional AD&D coverage for yourself in $50,000 increments, up to $250,000.
  • OU also offers Dependent AD&D Insurance for your spouse in $10,000 increments, up to $40,000.
  • There is also Dependent AD&D Insurance for your eligible dependent children in a $5,000 or $10,000 option.

Beneficiaries

At least one beneficiary must be named for the employee policy. The employee is the beneficiary for dependent AD&D policies. 

Short Term Disability Insurance

Short-term disability insurance is an optional benefit paid for as an after-tax deduction from your paycheck. Participants in this plan who become ill or injured and are not able to work may be eligible to receive continued income. Because employees may customize a short-term disability plan to meet their unique needs, the plan will require employees to apply for coverage and provide medical information to determine eligibility. The plan pays up to 50% of your monthly income.

Premium rates are based on your salary, the options you select, and your age. Election of short-term disability insurance must be done within 30 days of your date of hire. To apply for coverage and for premium information, you must directly contact the plan administrator, Aflac. Use the links in the right column to learn more about short term disability insurance.

Long Term Disability Insurance

If there’s one thing you can expect, it’s the unexpected. Whether you’re responsible for a family or just yourself, you may have rent or mortgage payments, tuition, and regular monthly bills. If you’re unable to work, there’s an affordable way to help protect your lifestyle and the people who depend on you. Long Term Disability (LTD) insurance from The Standard fills the income gap between disability coverage you may already have and the income you had before you became disabled.

You may participate in optional long-term disability plans by paying the low monthly premium. You must be off work at least 180 days (6-months) and be approved before this benefit begins. Long-term disability insurance is an optional benefit offered by OU paid for by the employee through a payroll deduction. Use the link on the right to learn more about LTD. 

Long Term Care Insurance

Long-term care insurance is an optional benefit offered by OU. This is an employee-paid benefit and it is paid as an after-tax deduction from your paycheck.

Long-term care insurance provides coverage, with a $150 daily maximum benefit, for nursing home and community-based care (which includes home health care) in the event the participant becomes disabled and can no longer care for him or herself on a day-to-day basis.

Premiums are based on your age at the time of approval. A separate enrollment form must be completed and approved by the insurance carrier before coverage will begin. As long as the participant continues to make the scheduled payments and does not have a break in coverage, the premium will only go up if the participant's locked-in age group premium increases.

If you enroll in long-term care insurance when you first become a benefits-eligible employee, you are automatically accepted but will still need to complete an Evidence of Insurability application. If you wish to enroll at a later date, you can do so during the annual enrollment period, but you will be required to complete an Evidence of Insurability form and submit it for medical review by the insurance carrier before coverage can be considered. Once enrolled, you may continue coverage after termination by making payments directly to the insurance provider.

Spouses, retirees, retiree spouses, parents, in-laws, and grandparents can apply for long-term care insurance by completing and submitting a medical questionnaire. If approved, the premium for spouses may also be paid by the employee through after-tax payroll deduction. All others would be billed directly by the company.

Use the link in the right column to learn more about LTC.