The university offers two options for medical plans through Blue Cross and Blue Shield of Oklahoma to meet employees' needs and provide flexibility to you and your family.
Blue Cross and Blue Shield of Oklahoma have two networks, Blue Preferred and Blue Choice. Members in the Blue Options PPO plan have the option between the networks, while Blue Edge HSA plan uses the Blue Choice Plan. Depending on which network your provider is in will determine how much your out-of-pocket costs will be.
The Blue Preferred PPO network provides the biggest discount and pays your benefits at the highest level, which means you will have the lowest out-of-pocket costs when you use providers in the Blue Preferred PPO network. (note: OU Physicians are in the Blue Preferred Network).
Premiums (rates) are not the only thing to consider when choosing a medical plan. The two medical plan options available work in different ways – you should make your final enrollment decision based on your (and your family’s) needs. It’s important to have an understanding of how each plan works rather than making a decision based on cost alone. We want you to be well informed and confident through the medical carrier transition. Here are some helpful tips:
If you leave your health plan, change jobs or retire, you take your HSA with you.You can learn more by visiting the HSA Bank Website
Please refer to your summary of benefits
Blue Options PPO Plan:
Blue Options PPO plan gives you important choices. Each time you need care, you can choose your doctors, health care professionals and hospitals from our network, or you can choose to receive care and services from health care professionals outside of the network.
How the PPO plan works:
There are several online resources via Blue Access for Members available.
All BCBSOK members have nationwide access to contracting providers through the BlueCard® Program when you or your covered family members live, work, or travel anywhere in the country. Your benefits will generally be paid at the highest benefit level, since Blue Preferred PPO providers are mostly located in Oklahoma. You can search for BlueCard providers in the online provider directory at bcbsok.com.
University medical insurance plans do not have pre-existing condition restrictions.
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 HSA Bank's website to manage your account.