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Health Insurance for Norman Campus Students

OU offers the Student Health Plan specifically for student health insurance. Enrollment is managed by Academic Health Plans (AHP) and the benefits and coverage are administered by BlueCross BlueShield.

Deadlines & Coverage Periods

2016-2017 Enrollment Calendar
Coverage Period Open Enrollment
Annual Coverage (8/19/2016 - 8/18/2017) 8/19/2016 - 9/02/2016
Fall Only (8/19/2016 - 1/16/2017) 8/19/2016 - 9/02/2016
*Spring Only (1/17/2017 - 5/12/2017) 1/17/2017 - 1/31/2017
Spring/Summer (1/17/2017 - 8/18/2017) 1/17/2017 - 1/31/2017
Summer Only (05/13/2017 - 8/18/2017) 5/13/2017 - 5/26/2017
*Spring Only Option is not available on-line. Students may select this option in person at the Student Health Plan Office, NEL 242.

Enrollment & Plan Details

The university pays for the Student Health Plan for qualified Graduate Teaching Assistants and Graduate Research Assistants.

Most Frequently Asked Question

Why is the enrollment system asking me to agree to pay for the Student Health Plan and sending me an email that confirms I'll be paying for it, when the university should be covering this cost? As in years past, the university continues to pay the full premium for the Student Health Plan of qualified GAs (see below). To complete enrollment, you must accept this charge and click through this section of the enrollment process. But, the $1640 cost of the Student Health Plan WILL NOT be charged to you or your Bursar account and it WILL NOT be deducted from your paycheck. If you choose coverage for dependents, the additional cost will be deducted from your paychecks throughout the year.

Eligibility

To be eligible for Student Health Plan coverage paid for by OU, a student must:

  1. Meet the enrollment requirements including enrolled in a minimum of 5 credit hours in the fall and spring semester or 3 credit hours in summer semester for summer only coverage. The minimum credit hour requirement will be waived if you are in your last semester before taking your thesis or dissertation and you need fewer than six hours to graduate.
  2. Be appointed to a 50% FTE or greater position.
  3. The appointment must be approved by the Graduate College.

Enrollment Options

The following enrollment options are available for eligible Graduate Assistants.

  • You will be automatically enrolled in the Student Health Plan. No action is required. Click here for Enrollment and Plan Details
  • Add your spouse or children for an additional cost. Dependents are not automatically re-enrolled at the end of their coverage period. You must re-enroll them to continue coverage. (Note: To change coverage after the enrollment period, you must go to the Student Health Plan Office, NEL Room 242 and complete a Change Form.)
  • Costs for additional insurance are deducted from each of your paychecks during the school year.

Dental Insurance Option

Qualified Graduate Teaching and Research Assistants may participate in a voluntary dental insurance plan offered through Delta Dental with the premium fully paid by the student.

Eligibility

Graduate assistants in positions with an FTE of .50 or greater may participate in voluntary dental insurance paid for by the graduate assistant. Eligible dependents (spouse and children under the age of 19) are also eligible to participate. This option is only available to graduate teaching assistants and research assistants whose appointment runs August through May.

Description

The voluntary dental program for graduate assistants is provided by Delta Dental. Click here to review plan information. The Delta Dental PPO gives you access to two Delta Dental networks—Delta Dental Premier and Delta Dental PPO. Your level of benefit depends on which network your chosen dentist belongs to. The coverage period is September 1 - August 31.

Rates

Coverage Type Monthly Rate
Graduate Assistant Only $33.60
Graduate Assistant + Spouse $67.18
Graduate Assistant + Child(ren) $77.26
Graduate Assistant + Family $110.86

Enrollment

Complete the Delta Dental Enrollment Packet and return the enrollment form directly to Delta Dental at P.O. Box 54709, Oklahoma City, OK 73154, or FAX 405-607-2139 Attention: Individual Department.

Payment

Delta Dental will draft the premium amount from your designated bank account each month. Your premium amount is determined by your level of coverage (Graduate Assistant Only, Graduate Assistant + Spouse, etc.). If you do not maintain a bank account, you may elect to pay the annual premium, in a lump sum, by cashier’s check or money order.

Participating Dentists

Find a list of dentists participating in the Delta Dental networks using Delta Dental of Oklahoma’s website.

Questions? 

Contact Delta Dental’s customer service department at 405-607-2100 (Oklahoma City metropolitan area) or toll-free at 800-522-0188.

Graduate Assistant FAQs

  1. Why is the enrollment system asking me to agree to pay for the Student Health Plan, when the university should be paying for this? You are correct. The university pays for your Student Health Plan. To complete the enrollment process you must accept this charge and click through this section of the enrollment process. But, the $1640 cost of the Student Health Plan WILL NOT be charged to you or your Bursar account and it WILL NOT be deducted from your paycheck. If you choose coverage for dependents, the additional cost will be deducted from your paychecks through the year.
  2. What kind of graduate assistant appointment allows me to get my medical insurance paid by the university? You must have a 0.5 FTE appointment. This usually means you work 20 hours per week in one position.
  3. My GA appointment includes medical insurance paid by the university. Do I need to enroll online? Only if you'd like to add coverage for your dependents. You will be automatically enrolled in the Student Health Plan at the beginning of the enrollment period.
  4. My GA appointment includes medical insurance paid by the university. However, according to my Bursar account, I still need to pay for health insurance. What should I do to get this corrected? Human Resources verifies your GA appointment before completing your insurance enrollment. Your graduate assistant appointment paperwork may be in process or not fully updated yet. We recommend that you check with your hiring department to make sure your employment paperwork has been completed. If the paperwork is complete and you still see a charge in your Bursar account, contact Human Resources to request a review of your appointment and student charges. Be sure to include your full name and student ID.
  5. In the fall, I enrolled in the annual Student Health Plan and paid the full premium. I have now been appointed as a GA for the spring. Will I get a refund for part of the insurance fee? Please notify the Student Health Plan Office (ohr@ou.edu, NEL 242, or 325-1826) of your new appointment. Remember to include your full name, student ID, and Employee ID if known. Your information will be verified and a credit applied to your Bursar account as necessary.
  6. How do I enroll in the Graduate Assistant dental plan? Can I do this at any time? OU's dental insurance is only available to students that are also qualified Graduate Assistants. Click on the section above to learn about the dental plan. The enrollment period is only at the beginning of each fall semester. GAs that are newly appointed in the Spring, may elect the dental coverage within the first 3 weeks of the semester.
International students and their families must have health insurance to remain in the United States. There are three ways to meet this requirement.
  1. Waive the OU Student Health Plan: Provide your own health insurance. See "Waiver Deadlines & Eligibility" below.
  2. Buy the OU Student Health Plan: See "Enrollment Options" below.
  3. Graduate Assistants: OU pays for your Student Health Plan. Click the tab above for "Graduate Assistant" information.

Enrollment Options

  • You will be automatically enrolled in the Student Health Plan and your Bursar account will be charged. See "Waiver Eligibility" below to learn about waiving insurance coverage.
  • Add your spouse or children for an additional cost. Dependents are not automatically re-enrolled at the end of their coverage period. You must re-enroll them to continue coverage. (Note: To change coverage after the enrollment period, you must go to the Student Health Plan Office, NEL Room 244 and complete a Change Form)
  • Cost for additional insurance is charged to your Bursar account at the beginning of each semester.

Waiver Eligibility

Introduction

The University of Oklahoma maintains a self-funded student health plan (SHP) for certain students enrolled in its Norman-based programs. Specific eligibility requirements for all student categories are found in the SHP plan document. All international students must enroll in the OU SHP, or provide evidence of suitable alternative health coverage to receive a waiver. Dependents of international students are currently eligible to enroll in the OU SHP, but students are not currently
required to enroll their dependents in the OU SHP as a condition to enroll as a student at OU.

The SHP has been approved by the Centers for Medicare and Medicaid Services (CMS) as Minimum Essential Coverage
(MEC). The CMS approval means that students (and their dependents) who are enrolled in the SHP will have met the Patient Protection and Affordable Care Act (ACA) shared responsibility rules for maintaining health coverage. Every US citizen, and persons living, working, or studying in the US under certain visas, are required to maintain MEC, or pay a tax penalty under the ACA shared responsibility (sometimes referred to as the individual mandate).

International Students

International Students are automatically enrolled in the SHP. All international students are required to maintain coverage that meets the minimum requirements of their visa, and also complies with requirements of the ACA. The OU SHP meets all of these requirements.

Health care coverage for International Students must meet the ACA requirements for MEC Coverage. Such coverage must provide, at a minimum:
  1. MEC as required by the ACA with no annual or lifetime limits,
  2. No exclusions for pre-existing conditions,
  3. Preventive care and women's health care as required by the ACA covered at 100%,
  4. An annual deductible not greater than $500, and
  5. Coinsurance that does not exceed 25% of allowable charges under the plan.

International Students must also maintain coverage for repatriation of remains to their home country and medical evacuation to their home country. The benefit for repatriation may not be less than $25,000 and the benefit for medical evacuation may not be less than $50,000.

Short-term Limited Duration plans (sometimes referred to as "travel plans"), or other similar health plans created for the purpose of providing coverage to International students or non-immigrant visa holders, do not meet the requirements for International Students health coverage.

When a Waiver for Coverage Under the SHP May be Granted

International Students may be granted a waiver from enrolling in the OU SHP for any semester that the student:

  1. Is eligible for, and enrolled in, the OU employee group health plan, or other employer sponsored ACA compliant group health plan,
  2. Provides evidence that the student is eligible for, and enrolled in, coverage that is backed by the full faith and credit of the government of the exchange visitor's home country and is provided through an ACA compliant plan or policy in writing in English,
  3. Is sponsored by the US government or other sponsoring entity that has guaranteed payment of all of the students medical expenses, and repatriation and evacuation expenses, in writing in English,
  4. Provides evidence that the student is eligible for, and enrolled in, health care and repatriation and evacuation coverage, that meets all of the requirements of section 2.4.1, or
  5. Is enrolled exclusively in distance learning classes at the university.

International Students who have been have been granted a waiver from coverage under the OU SHP and who lose coverage at any time during the semester for which the waiver has been granted must immediately report any loss of healthcare coverage to Academic Health Plans, ou.myahpcare.com. Failure of an International Student to maintain coverage as required under this policy is a violation of OU's student code of conduct and is grounds for disciplinary action.

Review the full Student Health Plan Coverage Requirements Policy.



Waiver Deadlines

Deadlines for Submitting a Waiver Application

Follow these instructions to request a waiver of the university insurance plan and fees:

  • You must meet the requirements described above in "Waiver Eligibility."
  • You must complete the waiver application on the Academic Health Plans website.
  • A university-approved committee will review your request and supporting documents. Waivers that meet minimum criteria will be approved, and the fee for the OU Student Health Plan will be credited to the student bursar account.
  • The waiver process must be completed for each semester in which you wish to waive the OU Student Health Insurance Plan.
  • Check your waiver status on the Academic Health Plans website by clicking the waiver link for your visa type.
Waiver Application Deadlines
Fall:
08/19/2016 - 09/09/2016
Spring/Summer:
01/17/2017 - 02/07/2017
Summer Only:
05/13/2017 - 05/26/2017

International Student FAQs

  1. I have my own insurance and do not wish to purchase OU's Student Health Plan. Do I have to purchase OU's coverage?All international students on a F-1 or J-1 Visa must buy OU's Student Health Plan unless they have coverage that meets one of the requirements below. If you have insurance that meets the requirements described above in the "Waiver Eligibility" section, you may apply for a waiver of the OU Student Health Plan. 
  2. Can I complete my waiver application outside of the enrollment period? No. If you missed the deadline for applying for a waiver, you must purchase OU's coverage for the current semester and then apply to waive the next semester at the beginning of the next semester.
  3. How do I find out if my waiver has been approved? You should receive an email from Academic Health Plans approximately 10 days after you submit your waiver application. It will state if your waiver was approved or denied. If denied, there will be a reason and a list of additional documentation that may be required. You can also go to the Academic Health Plans website and click either "J-1 International Waiver" or "F-1 International Waiver" depending on your type of visa.
  4. I was approved for a waiver of OU's Student Health Plan in the fall, do I need to reapply in the spring? Yes. You must apply for the insurance waiver during each fall and spring semester. Your waiver does not carry over from semester to semester.
  5. If I only want the Student Health Plan, do I need to enroll online? Yes. It is best to enroll online as early as possible so that your information is complete in case you need care before the end of the enrollment period. If you have not completed the online enrollment or received a waiver, then you will automatically be enrolled in the Student Health Plan at the end of the enrollment period. 
  6. I am going back to my home country before June. I want my summer health insurance fee refunded. What should I do? If you will leave the country before the start of the summer coverage AND will not return in the fall you may complete a request to remove the summer coverage and charges. You must complete the Change Form and return it to the Student Health Plan Office, NEL 244. You must notify International Student Services that you do not plan to return to the University of Oklahoma. The Student Health Plan Office will confirm with International Student Services that you plan to leave the US. Your insurance will be adjusted to end at the end of the spring period and a credit will be applied to your Bursar account.

Insurance for Undergraduate Students

Health Insurance

You must be enrolled for at least nine (9) credit hours during the fall or spring semesters or three (3) credit hours if you are enrolling for summer only coverage. Get information and enroll here.

Dental Insurance

Eligible undergraduate students can enroll in a dental insurance plan provided by Delta Dental. Find information about eligibility, enrollment, and payment provided directly by Delta Dental.

You must be enrolled for at least five (5) credit hours during the fall or spring semesters, three (3) credit hours if you are enrolling for summer only coverage, or two (2) thesis or dissertation credit hours. Get information and enroll here.

If you are not enrolled as a full-time student, but you have a documented disability and have successfully petitioned the university for full-time status, you may be eligible to enroll in the plan. Get information and enroll here.

  1. How do I enroll in the Student Health Plan? Enrollment must be done online. Click here for more information and to begin enrollment.
  2. I have already enrolled online in the Student Health Plan for this semester. I now wish to make a change, but the online system won't let me. What should I do? Once your online enrollment has been finalized, you cannot make changes online. You must complete a Change Form and return it to the Student Health Plan Office, NEL 244. The form must be received by the end of the open enrollment period.
  3. When does my insurance coverage begin? Your insurance is effective the day after you enroll online. If you make changes after your online enrollment, the effective date of the new coverage is the date your forms are received in the Student Health Plan Office, NEL 244.
  4. I am an online student with the College of Liberal Studies and I'm an Oklahoma resident. Do I qualify for the Student Health Plan? No, you are not eligible for student health insurance. Credit hours you earn for home study, correspondence, television or online classes do not apply toward the eligibility requirement.
  5. I have enrolled online and need to see a doctor soon. How can I get an insurance card? You will receive your insurance card in the mail, directly from BlueCross BlueShield. If you need a card before that time, you may print a temporary card by logging into Blue Access for Members (BAM) from the Academic Health Plans website.
  6. Can I buy insurance for my spouse and children also? You may insure dependents on your Student Health Plan. Eligible dependents are your legally married spouse and your unmarried children under age 26. Children are defined as children by birth, adoption, or legal guardianship.
  7. How do I pay for the insurance? The premium for your insurance will be charged to your Bursar account.
  8. If I elected annual coverage in the fall, may I make changes during the spring open enrollment period? The only changes allowed would be to add dependents to your plan. Any other changes would require a qualifying event, and our office must be notified within 31 days of the event. See Question #12 on this page: Help during the coverage period.

Contact

Enrollment

Academic Health Plans
888-924-7758
PO Box 1605
Colleyville, TX 76034

Benefits & Claims

BlueCross BlueShield of Oklahoma
Blue Access for Members
855-267-0214
P.O. Box 3283
Tulsa, OK 74102-3283

OU Health Clinic

OU Health Services-Goddard
(405) 325-4441
620 Elm Ave, Norman 73019

OU Student Health Plan Office

OU Human Resources
405-325-0775
ohr@ou.edu
905 Asp Ave. Rm 242
Norman, OK 73019

Help During the Coverage Period

Questions about doctors, claims, and coverage? Click here to get get help during the coverage period