Health & Prescription Coverage
All benefit-eligible employees and OSU retirees may participate in an OSU health plan. The plan is administered by BlueCross BlueShield of Oklahoma (BCBS). Your monthly cost for coverage depends on the plan you choose, your level of coverage and your salary tier. Health plan premiums are tiered based on salary to support affordability across the workforce.
If you are a benefit-eligible employee and wish to waive health coverage, due to having other verifiable group coverage, you have 30 days from your hire date to do so.
If you do not complete enrollment, you will be automatically enrolled in the Blue Options employee-only medical plan. Changes to these elections will not be permitted until the next open enrollment period, unless you experience a qualifying life event.
You Have a Choice
Benefit-eligible employees have two medical plan options which offer different benefits and coverage options. BlueOptionsis the most popular plan with the option to utilize two networks of providers with set copays and an annual deductible. BlueEdge HDHP is the high deductible medical option. This plan offers lower premiums, but higher out of pocket costs until you reach your annual deductible. Refer to the Benefit Enrollment Guide for details on pharmacy benefits.
Both plans offer nationwide coverage to members along with the added benefits through the BlueCard travel program, BlueAccess for Members website and tools, and a dedicated OSU customer care team.
Plan Premiums
2026 Health Plan Premiums
Health plan premiums are based on plan selected and salary tier.
Learn more about salary tiers and calculating your salary
Employees enrolled in an OSU health plan are eligible to earn a $30 monthly insurance premium credit by completing a biometric wellness screenings. Learn more about the screening and credit here.
- Monthly Paid, Blue Options PPO Plan
Salary up to $39,999 Employee Pays Institution Pays Total Premium Employee Only $140.00 $585.80 $725.80 Employee + Spouse $475.64 $1,048.50 $1,524.14 Employee + Children $345.30 $961.10 $1,306.40 Family $592.54 $1,729.98 $2,322.52 Salary ranging from $40,000 to $74,999 Employee Pays Institution Pays Total Premium Employee Only $155.00 $570.80 $725.80 Employee + Spouse $520.64 $1,003.50 $1,524.14 Employee + Children $375.30 $931.10 $1,306.40 Family $652.54 $1,669.98 $2,322.52 Salary ranging from $75,000 to $149,999 Employee Pays Institution Pays Total Premium Employee Only $170.00 $555.80 $725.80 Employee + Spouse $565.64 $958.50 $1,524.14 Employee + Children $405.30 $901.10 $1,306.40 Family $712.54 $1,609.98 $2,322.52 Salary of $150,000+ Employee Pays Institution Pays Total Premium Employee Only $185.00 $540.80 $725.80 Employee + Spouse $610.64 $913.50 $1,524.14 Employee + Children $435.30 $871.10 $1,306.40 Family $772.54 $1,549.98 $2,322.52 - Monthly Paid, BlueEdge High Deductible Health Plan
Salary up to $39,999 Employee Pays Institution Pays Total Premium Employee Only $120.00 $597.54 $717.54 Employee + Spouse $307.24 $1,162.14 $1,469.38 Employee + Children $220.40 $1,059.64 $1,280.04 Family $360.44 $1,803.26 $2,163.70 Salary ranging from $40,000 to $74,999 Employee Pays Institution Pays Total Premium Employee Only $135.00 $582.54 $717.54 Employee + Spouse $352.24 $1,117.14 $1,469.38 Employee + Children $250.40 $1,029.64 $1,280.04 Family $420.44 $1,743.26 $2,163.70 Salary ranging from $75,000 to $149,999 Employee Pays Institution Pays Total Premium Employee Only $150.00 $567.54 $717.54 Employee + Spouse $397.24 $1,072.14 $1,469.38 Employee + Children $280.40 $999.64 $1,280.04 Family $480.44 $1,683.26 $2,163.70 Salary of $150,000+ Employee Pays Institution Pays Total Premium Employee Only $165.00 $552.54 $717.54 Employee + Spouse $442.24 $1,027.14 $1,469.38 Employee + Children $310.40 $969.64 $1,280.04 Family $540.44 $1,623.26 $2,163.70 - Biweekly Paid, Blue Options PPO Plan
Salary up to $39,999 Employee Pays (per pay period) Institution Pays (per pay period) Total Premium Employee Only $70.00 $292.90 $362.90 Employee + Spouse $237.82 $524.25 $762.07 Employee + Children $172.65 $480.55 $653.20 Family $296.27 $864.99 $1,161.26 Salary ranging from $40,000 to $74,999 Employee Pays (per pay period) Institution Pays (per pay period) Total Premium Employee Only $77.50 $285.40 $362.90 Employee + Spouse $260.32 $501.75 $762.07 Employee + Children $187.65 $465.55 $653.20 Family $326.27 $834.99 $1,161.26 Salary ranging from $75,000 to $149,999 Employee Pays (per pay period) Institution Pays (per pay period) Total Premium Employee Only $85.00 $277.90 $362.90 Employee + Spouse $282.82 $479.25 $762.07 Employee + Children $202.65 $450.55 $653.20 Family $356.27 $804.99 $1,161.26 Salary of $150,000+ Employee Pays (per pay period) Institution Pays (per pay period) Total Premium Employee Only $92.50 $270.40 $362.90 Employee + Spouse $305.32 $456.75 $762.07 Employee + Children $217.65 $435.55 $653.20 Family $386.27 $774.99 $1,161.26 - Biweekly Paid, Blue Edge High Deductible Health Plan
Salary up to $39,999 Employee Pays (per pay period) Institution Pays (per pay period) Total Premium Employee Only $60.00 $298.77 $358.77 Employee + Spouse $153.62 $581.07 $734.69 Employee + Children $110.20 $529.82 $640.02 Family $180.22 $901.63 $1,081.85 Salary ranging from $40,000 to $74,999 Employee Pays (per pay period) Institution Pays (per pay period) Total Premium Employee Only $67.50 $291.27 $358.77 Employee + Spouse $176.12 $558.57 $734.69 Employee + Children $125.20 $514.82 $640.02 Family $210.22 $871.63 $1,081.85 Salary ranging from $75,000 to $149,999 Employee Pays (per pay period) Institution Pays (per pay period) Total Premium Employee Only $75.00 $283.77 $358.77 Employee + Spouse $198.62 $536.07 $734.69 Employee + Children $140.20 $499.82 $640.02 Family $240.22 $841.63 $1,081.85 Salary of $150,000+ Employee Pays (per pay period) Institution Pays (per pay period) Total Premium Employee Only $82.50 $276.27 $358.77 Employee + Spouse $221.12 $513.57 $734.69 Employee + Children $155.20 $484.82 $640.02 Family $270.22 $811.63 $1,081.85
Additional Information and Programs
- Benefit Enrollment Guide
An overview of current OSU Benefits including your pharmacy benefits under each medical plan.
2026
- BlueOptions
BlueOptions offers a variety of incentives and programs to help decrease your out of pocket expenses. If you are enrolled in BlueOptions you may be eligible to receive pharmacy discounts and assistance by enrolling in programs that may not only prove to be money saving, but life changing. Learn more about available programs:
BlueOptions members are also eligible to enroll in the Well on Target Self-Management Program for Healthy Pregnancy or Women's and Family Health programs. Visit wellontarget.com to explore online courses. You may enroll by calling 888.421.7781.
Materials to review:
- BlueEdge HDHP
The BlueEdge HDHP has lower premiums, but great benefits to offer. BlueEdge is helping members contain medical spending and enabling members to make better medical decisions. BlueEdge encourages engagement, which leads to positive behavior change.
OSU employees who choose this plan are planning ahead by taking a good look at premium expenses vs. actual provider and pharmacy expenses. Making this comparison allows the employee to decide on the right medical plan for their situation.
BlueEdge is a qualified high deductible medical plan which allows BlueEdge members the option to participate in aHealth Savings Account (HSA). Health Savings Accounts are a great partner for your BlueEdge medical care plan because they allow you to plan for future medical related expenses.
Materials to review:
- BlueCross BlueShield
The BlueCross Blueshield website offers many resources to help you with claims, provider searches, and tools to help you with your health and wellness goals.
BlueCross BlueShield Website Tutorial (pdf)
- BCBS Virtual Visits
Virtual visits through MDLive allow you to speak with board-certified providers with an average of fifteen years of experience over the phone, through online video or mobile app. You can utilize the service 24 hours a day, 7 days a week, 365 days a year. Private, secure and confidential appointments and prescriptions will be sent to your pharmacy of choice. Average wait time for a virtual visit is 20 minutes.
Accessing MDLive:
Visit BlueAccess for Members
Log In or Register Now
Click Virtual Visits under Quick Links
or
Visit MDLIVE.com/BCBSOK
Sign In or Activate Now
- Benefit Value Advisor
Participants in the OSU/A&M medical plan have the valuable resource of the Blue Cross Blue Shield of Oklahoma (BCBSOK) Benefits Value Advisor (BVA).
BVA serves as a helpful guide for members to better understand your benefits, compare costs, and find in-network providers for planned, “shoppable” services before you schedule care.
When you call BVA, you can get cost estimates, compare in-network options, and in some cases qualify for Member Rewards for choosing lower-cost facilities.
Services that require a BVA call include (not all-inclusive):
- Non-emergent MRI or CT scans
- Certain diagnostic imaging
- Joint replacement and select orthopedic procedures
- Bariatric surgery and other scheduled surgical procedures
Important: For certain non-emergent services, calling BVA is not optional. If you do not contact BVA before receiving these services, a $100 charge will be applied to your claim. This is reflected on your Explanation of Benefits (EOB) as a “BVA Penalty.” Even if your provider verifies benefits or helps with scheduling, the BVA requirement is only met when the member personally calls BVA.
Call 877-258-6781 (also located on the back of your BCBSOK ID card) and ask for “Benefit Value Advisor.”
- Blue Distinction® Specialty Care Services
Under your plan, you have access to designated specialty care facilities that have met national measures for quality and cost-efficient care. When you use a Blue Distinction® Center (BDC) doctor or hospital, you will receive the most from your benefits and know that the doctor or hospital has a record of providing proven effective specialty care.
Blue Distinction® Specialty Care services include:
- Blue Distinction® Centers for Bariatric Surgery
- Blue Distinction® Centers for Cardiac Care
- Blue Distinction® Centers for Knee and Hip Replacement
- Blue Distinction® Centers for Spine Surgery
At a BDC or a BDC+ facility, you may get a better outcome and may have lower out-of-pocket costs,* depending on your plan. Although your plan may require you to get treatment at a BDC or BDC+ facility, you may still be covered at a non-BDC facility, but your out-of-pocket costs will usually be higher. Blue Distinction Centers can be located through Provider Finder® in Oklahoma. Learn more about Blue Distinction - Visit bcbs.com/blue-distinction-center or call the customer service number on the back of your member ID card.
- Hinge Health
Discover Hinge Health's program for back or joint pain.
Hinge Health (pdf)
- Wondr Weight Management
Learn more about the Wondr Weight Management Program.
Wondr (pdf)
- Eligibility
Be sure to review the information regarding eligibility to determine who can be covered on your plan(s).