2024 Plan Highlights

Each year, the university reviews the insurance plans and premium rates to ensure that employees receive competitive, high quality benefits at the best possible rate for the upcoming year. Review the Insurance Programs pages for more information.

Deductibles

Deductibles for 2024: 

Cigna PPO Plan - No deductible change
Cigna PPO In-Network Deductible
: $1,000 individual / $2,000 family

Cigna High Deductible Health Plan
HDHP In-Network Deductible: $3,200 individual / $6,400 family  

Out of Pocket Maximums

No Changes to Out of Pocket maximums for 2024

Out of Pocket Maximums for 2024:
Cigna PPO Plan
Cigna PPO In-Network Out-of-Pocket Maximums:
$5,000 individual / $10,000 family

Cigna High Deductible Health Plan
HDHP In-Network Out of Pocket Maximums: $6,750 individual / $13,500 family
 

 

HSA Contribution Maximum

Maximum annual HSA contribution is: $4,150 individual / $8,300 family.

Also, there is a $1,000 catch-up contribution for individuals 55 and older. 

Co-Insurance & Co-Pays

In 2024:

Cigna PPO Plan
Cigna PPO In-Network Co-Pay
: $20 Primary Care/ $30 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.

Dental Insurance

BCBS Dental will continue to serve as your dental insurance for 2024. BlueCare Dental PPO offers you and your family access to one of the largest national dental PPO networks of providers.

For 2024, 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 2024:

Cigna PPO Plan
Cigna PPO In-Network Virtual Care Co-Pay
: $20 

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.