Medical Plan Comparisons

The University of Oklahoma offers a choice of two medical plan options through Cigna so you can choose the plan that best meets the needs of you and your family. Your medical plan options are:

• Cigna PPO Plan.
• Cigna HSA Plan.

Each plan includes comprehensive health care benefits, including free preventive care services and coverage for prescription drugs. The plans also include in- and out-of-network coverage; individual and family deductibles; coinsurance; and out-of-pocket maximums. Note: The Cigna PPO Plan includes copays for physician visits and prescription drugs.

You must meet the annual deductible before the medical plan begins to cover your health care expenses; however, once the deductible is met, the medical plan begins to pay for a percentage of covered expenses (coinsurance), up to the out-of-pocket maximum. 

Out-of-pocket maximums apply to both of the plans. This is the maximum amount you will pay for health care costs in a calendar year. Once you have paid the out-of-pocket maximum, the plan will cover your eligible medical expenses at 100% for the remainder of the plan year. If out-of-network providers are used, then you are responsible for charges that are above “reasonable and customary.” 

Again, it is up to you to decide which plan will work best for you and the needs of your family. When making your decision, keep these few things in mind:

• Monthly cost of coverage,
• Annual deductibles, and
• Annual out-of-pocket maximums.