Cigna is going digital

Cigna is transitioning from physical ID cards to digital cards effective January 1, 2024. You can access your cards via myCigna.com or the Cigna app. Learn more here. 


Physical ID cards may also be requested on myCigna.com

Medical Insurance

The university offers two options for medical plans through Cigna to meet employees' needs and provide flexibility to you and your family.

Cigna Medical Plan Overview

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.

Cigna Transparency in Coverage Website

These links lead to the machine readable files that are made available in response to the federal Transparency in Coverage Rule and include negotiated service rates and out-of-network allowed- amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data. 

OUHSC Link: https://www.ticmrf.com/73-1563627

OU Link: https://www.ticmrf.com/73-1377584/

For Assistance

  • Questions? Need help? You can schedule a meeting with OU's Cigna representative, Sarah Vaughn, here.
  • Click here to learn how to find a provider.
  • Call: 800-332-4462. 
  • Via the myCigna app, available 24/7.
  • OU Goddard Clinic and most OU Health providers are in-network. 

Spouses Working at OU

Medical yearly deductibles and out-of-pocket maximums can be linked for families that have children and two spouses who both work at OU. Employees can do this after the plan year begins. Contact OU's Cigna representative, Sarah Vaughn for more information.

Protect Your SSN with Health ID

Because keeping your personal identity safe is a top priority at the university, you will use your Health ID instead of your Social Security number for all medical and dental transactions at the doctor's office and with insurance providers. Click here to learn more about your Health ID Number.

Health Savings Account

Members enrolled the HSA medical insurance plan will have a health saving account to which employees and employers can contribute pre-tax money. Employees will receive a debit card to use on healthcare costs not covered by your insurance plan. You can visit the myCigna.com website to manage your account.

Retirees

  • Retirees under age 65 have the same Cigna medical insurance options as active employees.
  • Retirees age 65 and over are covered by UnitedHealthcare . 

Flexible Spending Accounts

Did you know that health care and dependent care reimbursement accounts can decrease the amount of taxes you pay on your income? OU and Optum Financial (formerly ConnectYourCare) offer a debit card with the healthcare reimbursement Flexible Spending Account (FSA). Get more information on the Flexible Spending Accounts page.

ACA Marketplace

The federal Affordable Care Act (ACA) continues to provide the Health Insurance Marketplace. Find information about how the ACA Health Insurance Marketplace may affect OU employees here.