Medical Insurance

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

Changes in 2018

Urgent Care Copay for the PPO Plan

Last year, employees on the PPO plan paid towards their deductible for urgent care visits. We understand how inconvenient that was, and have negotiated a $60 copay for in-network urgent care centers to save you time and money.

Or, if you don't feel like leaving the house, you can take advantage of Cigna Telehealth for an even lower cost ($25 copay on the PPO plan, $42 surcharge on the HSA plan) and get the care you need right from your home.

Employees on the HSA plan will continue to pay towards the deductible for urgent care visits.

Bariatric Surgery

In 2017, the medical plan started covering follow-up care for bariatric patients.

In 2018, the medical plan will add coverage for the bariatric surgery.

Deductibles Changing

New PPO Deductible: $600 individual / $1,200 family

New HSA Deductible: $1,750 individual / $3,500 family

PPO Out of Pocket Maximum

The PPO plan’s out-of-pocket maximums for prescriptions and medical expenses will be combined in 2018. This means the money you spend on prescriptions and medical services will now go towards one out-of-pocket maximum: $3,500 individual / $7,000 family.

HSA Out of Pocket Maximum

New HSA in-network out of pocket maximum: $3,500 individual / $7,000 family

HSA Contribution Maximum

In 2017, the maximum amount you could contribute in a year to your HSA was $3400 individual / $6750 family. In 2018, the maximum annual contribution is increasing to $3450 individual / $6,900 family.

Cigna Gym Memberships

Cigna now offers a gym membership for $25 per month, with an extensive list of participating gyms. That means you can take a class at one gym, and lift weights at another gym, all for the same price. Read more about Cigna Active and Fit.

Cigna Plan Overview

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 PPO plan has a deductible and co-insurance amounts.

There are no pre-existing condition limitations in this plan.

HSA Plan

The Choice Fund HSA plan is a high deductible PPO-network plan with a health savings account (HSA) that employees can contribute to. 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 Choice Fund PPO HSA 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. 

There are no pre-existing condition limitations in this plan.

Current participants can manage their HSA account online through See the HSA plan documents in the Plan & Rx Information box for a helpful website guide.

Choosing a Plan

What should I consider when choosing between the PPO and HSA plan options? Premium rates are not the only things to consider when choosing a medical plan. Review the details below to understand the differences between the plans and how to be a wise healthcare consumer.

1. How to Choose a Plan

What should I consider when choosing between the PPO Plan and HSA Plan options? 
Premiums (rates) are not the only thing to consider when choosing a medical plan. The two medical plan options available in 2018 work in different ways – you should make your final enrollment decision based on your (and your family’s) needs. It’s important to have an understanding of how each plan works rather than making a decision based on cost alone.  We want you to be well informed and confident through benefits open enrollment.  Here are some helpful tips:
  • Reach out to the Cigna OneGuide (pre-enrollment line) customer service representatives – they are there for you and can explain the differences between the PPO and HSA plans as well as help with any additional questions you might have.  
  • Check the PPO Provider Network – See if your doctor(s) or hospital(s) are in the network. Remember, out-of-network equals higher costs. Be proactive and help yourself stay healthy with preventive care services – covered at 100% on either plan option!
  • Budget Accordingly – Anticipate costs for the coming year.  If you are considering the HSA, contact the One Guide Pre-enrollment hotline to speak with a Cigna representative about cost estimates for doctors, hospitals and procedures. When budgeting, remember to compare your current premium costs to the 2018 premium cost. There could be a savings there and if so, you might be able to set aside the savings in your HSA.  
  • Choose Convenience – If you have a non-emergency common illness, utilize Cigna Telehealth.  If you have non-emergency injuries, use an in-network urgent care (new $60 copay!) rather than an emergency room.

2. Plan Design

Cigna Choice Fund HSA: Learn more about HSA plans with these educational videos!
Cigna Choice Fund HSA is a plan that features higher deductibles than traditional insurance. This plan is combined with a Health Savings Account to allow you to pay for qualified out-of-pocket medical expenses with pre-tax savings. The Cigna Health Savings Account (HSA) combines a health care plan (utilizing Cigna's PPO Network) with a tax-advantaged health savings account set up on your behalf when you enroll. Use the money in your account to pay for eligible health care expenses for you and your eligible dependents, or save it for future health costs.

How your plan and HSA work: 

Here is a basic summary of how an HSA works:
  • As part of enrolling in the Cigna Choice Fund® HSA, you open a health savings account.
  • You and/or your employer can contribute pre-tax dollars to your account. 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. 
  • You can use the money in your HSA to pay for qualified health care expenses (including your deductible and coinsurance) for yourself and your eligible dependents. You can also use it to pay for qualified medical expenses that may not be covered under your medical plan, including dental and vision expenses.
  • The HSA dollars you use go toward paying your annual deductible. Dollars you don’t use remain in your account and earn interest.

If you leave your health plan, change jobs or retire, you take your HSA with you. Learn more about a Cigna HSA and other account-based plan: Watch Videos

Please refer to your plan documents, including specific information on your HSA, or contact your employer for more information on what’s covered and not covered by your plan. 

HSA contributions and earnings are not subject to federal taxes and not subject to state taxes in most states. A few states do not allow pretax treatment of contributions or earnings. Contact a tax professional for information about your state.

Cigna Preferred Provider Organization (PPO) Plan

Cigna’s Preferred Provider Organization (PPO) plan gives you important choices. Each time you need care, you can choose your doctors, health care professionals and hospitals from our network, or you can choose to receive care and services from health care professionals outside of the network.

How the PPO plan works:
Here's a basic summary of how the PPO plan works and how to arrange for care:

  • Primary care physician (PCP): You don’t need to designate a PCP with Cigna, but it's a good idea to have a PCP who can care for your overall health. Cigna will work closely with you and any doctor you choose to help coordinate your care. Make sure you check for in-network providers and facilities.
  • In-network: Choose to see in-network doctors or other health care professionals to keep your costs lower and eliminate paperwork.
  • No-referral specialist care: If you need to see a specialist, you do not need a referral—just make the appointment and go. Pre-certification may be necessary for hospitalizations and some types of outpatient care.
  • Out-of-network: You also have the freedom to visit doctors or use hospitals that are not part of the Cigna network, but your costs will be higher, and you may need to file a claim.
  • Emergency and urgent care:  When you need care, you have coverage, 24-hours a day, worldwide.
  • Copays, deductible, and more: Please refer to your plan documents, including specific information on your PPO, or contact your employer for more information on what’s covered and not covered by your plan. 

3. Cost & Care Comparisons: Become a Smart Consumer

If you're enrolled in a Cigna plan, you can use the price estimator tools on

4. Out-of-State Coverage

PPO and HSA members have nationwide access to contracting providers when you or your covered family members live, work, or travel anywhere in the country. 

5. Pre-existing Conditions

OU's medical insurance plans do not have pre-existing condition restrictions.

Cigna Vision Exam Coverage

The OU Medical plan covers one routine vision exam every 24 months.

  • $35 copay on the PPO plan
  • Covered at 100% on the HSA plan
Learn more about Cigna's vision exam coverage.

OU also offers a comprehensive vision plan with VSP.

New Medical ID Cards

Have you moved this year?

Cigna will mail updated insurance cards for 2018 to the home address you have on file in Self-Service. Additional copies or temporary cards can be requested at


MyCigna Web Portal

(800) CIGNA-24 (244-6224)

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 for families that have children and two spouses who both work at OU. Employees can do this after the plan year begins. Contact OU's dedicated Cigna representative at 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 ConnectYourCare offer a debit card with the healthcare reimbursement Flexible Spending Account (FSA). Get more information on the Flexible Spending Accounts page.