Medical Insurance

OU offers two options for medical plans through Cigna to meet your needs and provide flexibility to you and your family, the PPO and the HDHP.

What to Expect in 2025

Premiums

Medical: In 2025, OU medical premiums will increase by 10%. Additionally, employees in Tiers 2 and 3 will see a 1% increase in cost sharing across all coverage levels.

Employees enrolled in the PPO plan will see their monthly contributions rise, ranging from $6.12 per month (employee only, Tier 1) to $96.42 (employee + family, Tier 3).
Participants in the HDHP will see monthly contribution increases ranging from $2.40 (employee only, Tier 1) to $67.46 (employee + family, Tier 3).

Dental: Employee rates will increase slightly, with monthly increases ranging from $1.34 to $3.84 on the basic plan, and $2.21 to $6.34 on the alternate plan.

Vision: Employee rates will increase or decrease slightly, depending on your plan and coverage level election.

Deductibles for 2025:

Cigna PPO Plan
Cigna PPO In-Network Deductible: $2,000 individual / $4,000 family

Cigna High Deductible Health Plan
HDHP In-Network Deductible: $4,300 individual / $8,600 family

Out of Pocket Maximums

Out-of-Pocket Maximums for 2025:

Cigna PPO Plan
Cigna PPO In-Network Out-of-Pocket Maximums: $6,000 individual / $12,000 family
Cigna PPO In-Network Pharmacy Out-of-Pocket Maximums: $3,200 individual / $6,400 family

Cigna High Deductible Health Plan
HDHP In-Network Out-of-Pocket Maximums: $7,750 individual / $15,500 family

HSA Contribution Maximum

Maximum annual HSA contribution is: $4,300 individual / $8,550 family.
Also, there is a $1,000 catch-up contribution for individuals 55 and older.

Co-Insurance & Co-Pays

In 2025:

Cigna PPO Plan
Cigna PPO In-Network Co-Pay: $25 Primary Care/ $35 Specialist/ $50 Urgent Care
Cigna PPO In-Network Co-Insurance: 85/15

Cigna High Deductible Health Plan
HDHP In-Network Co-Insurance: 85/15
Employees on the HDHP plan will continue to pay towards the deductible for urgent care visits.

Health Navigation

Garner Health: The University of Oklahoma has partnered with Garner to help you and your dependents find top doctors in your area and receive reimbursement* for eligible costs when you visit them. These doctors follow best practices to keep you healthier. Find out more on our Garner Health webpage.

*For those on the HDHP, the IRS minimum deductible for 2025 ($1,650 for individual coverage and $3,300 for family coverage) must be met before qualifying for reimbursement. Please note, expenses paid toward the IRS minimum deductible are not reimbursable.

ZERO Health: OU has partnered with ZERO to help alleviate the financial burdens of healthcare. Members on the University's medical plan can receive scheduled healthcare for $0* out of pocket. No copays. No deductibles. No coinsurance. Find out more on our ZERO Health webpage.

*Employees on the High Deductible Health Plan (HDHP) must meet the IRS minimum deductible for 2025 ($1,650 for individual coverage and $3,300 for family coverage) before becoming eligible to use ZERO.

Dental Insurance

BCBS Dental will continue to serve as your dental insurance for 2025. BlueCare Dental PPO offers you and your family access to one of the largest national dental PPO networks of providers.

As a reminder, impacted teeth will only be covered under the dental plan with Blue Cross Blue Shield. For employees who have OU health care coverage, the medical provider will cover impacted teeth only in the case of an emergency.

Finding a dentist is easy, for a list of in-network general and specialty dentists, go to bcbsok.com and use the Provider Finder® tool by clicking on “Find a Doctor or Hospital” and then on “Find a Dentist” on the left side of the page. Select your plan’s BlueCare Dental PPO network (Traditional National PPO). You can search for a dentist near your home, school, or office.

Virtual Care

In 2025:

Cigna PPO Plan
Cigna PPO In-Network Virtual Care Co-Pay: $25

Cigna High Deductible Health Plan
HDHP In-Network Virtual Care Cost: Deducible, then 85/15

Includes charges for the delivery of medical and health-related services and consultations by dedicated virtual providers as medically appropriate through audio, video, and secure internet-based technologies.

For more information about virtual visits, including behavioral health, read this flyer.

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 HAS GONE digital

Cigna has transitioned from physical ID cards to digital cards. 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.

Documents & Links

Contact

Cigna Medical Insurance

1 (800) 332-4462

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.

Spouses Working at OU

Medical yearly deductibles and out-of-pocket maximums can be linked on the PPO plan for families that have children and two spouses who both work at OU. Employees can do this after the plan year begins. Contact our onsite Cigna representative at myouinsurance@cigna.com for more information.

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.