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.
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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).
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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 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
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.
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.
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.
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.
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.