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 and your level of coverage. Review the Health Benefit Rates for details. 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.
You Have a Choice
Benefit-eligible employees have two medical plan options which offer different benefits and coverage options. BlueOptions is 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.
- Benefit Enrollment Guide
An overview of current OSU Benefits including your pharmacy benefits under each medical plan.
2024
2025
- 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 a Women's & Family Health Pregnancy & Parent Support program and receive a $250.00 deductible credit. Download any of the Ovia Health apps from the Apple App Store or Google Play. During sign-up, make sure to choose “I have Ovia Health as a benefit.” Then select BCBSOK as your health plan and enter your employer name. Also, visit wellontarget.com to explore our 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 a Health 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:
- Current Health Benefit Rates
BlueOptions 2025 Total Premium Institution Employee With Credit* Employee Only $654.46 $514.46 $140 $110 Employee + Children $1,178.00 $832.70 $345.30 $315.30 Employee + Spouse $1,374.34 $898.70 $475.64 $445.64 Family $2,094.26 $1,501.72 $592.54 $562.54 BlueEdge HDHP 2025 Total Premium Institution Employee With Credit* Employee Only $647.02 $527.02 $120.00 $90 Employee + Children $1,154.24 $933.84 $220.40 $190.40 Employee + Spouse $1,324.96 $1,017.72 $307.24 $277.24 Family $1,951.04 $1,590.60 $360.44 $330.44 BlueOptions 2024 Total Premium Institution Employee With Credit* Employee Only $594.96 $464.96 $130.00 $100.00 Employee + Children $1,070.90 $755.60 $315.30 $285.30 Employee + Spouse $1,249.40 $813.76 $435.64 $405.64 Family $1,903.86 $1,361.32 $542.54 $512.54 BlueEdge HDHP 2024 Total Premium Institution Employee With Credit* Employee Only $588.20 $478.20 $110.00 $80.00 Employee + Children $1,049.30 $848.90 $200.40 $170.40 Employee + Spouse $1,204.50 $922.26 $282.24 $252.24 Family $1,773.66 $1,443.22 $330.44 $300.44 *Employees will also receive a $30 monthly premium credit when they complete a biometric screening with Catapult Health.
Schedule a screening at http://timeconfirm.com/okstate or call 877.803.2447.
- 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). Your BVA can be reached by calling the customer service number found on the back of your insurance card 877.258.6781. When prompted for your call, please state, “Benefit Value Advisor."
The BVA serves as a helpful guide for members, assisting in the scheduling of appointments and providing a curated list of in-network providers in their vicinity. The BVA can also facilitate the appointment scheduling process. Moreover, the BVA possesses the capability to review claims and statements, empowering members to seek clarity and pose questions about how their benefits are being utilized.
This ensures members have a thorough understanding of how their benefits are actively working for their well-being. Please remember to contact your Benefit Value Advisor (BVA) before proceeding with non-emergent MRI/CT scans, diagnostic radiology, joint replacement, bariatric surgery, musculoskeletal in-patient/out-patient procedures, or reduction mammoplasty. This precautionary measure can save you an additional charge of $100.00.
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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
- Eligibility
Be sure to review the information regarding eligibility to determine who can be covered on your plan(s).