2025 Annual Enrollment

OSU Annual Enrollment is October 28 - November 8, 2024 for changes effective January 1, 2025. Elections are made by clicking here and logging in using your O-Key credentials. 

---

What's new or different for 2025 benefits?

Due to medical cost inflation, increasing pharmacy utilization and higher claims costs, plan changes are slated for January 2025 as indicated below.

• 2025 BlueOptions PPO medical premiums:
  • Employee only - increase by $10
  • Employee and children - increase by $30
  • Employee and spouse - increase by $40
  • Family - increase by $50
• 2025 BlueEdge HDHP medical premiums:
  • Employee only - increase by $10
  • Employee and children - increase by $20
  • Employee and spouse- increase by $25
  • Family - increase by $30
• Increase in premiums for all dental plan tiers
• Increase in copay for pharmacy tiers 
• New pharmacy formulary
• Increase in BlueEdge HDHP deductible to $3,300 for individuals/$6,600 for family coverage.
• Health Flexible Spending Account maximum of $640 unused 2024 funds will carry over into the 2025 plan year. 
• Increase in FSA contribution maximum to $3,300.  
• Increase in the Health Savings Account (HSA) employee contribution maximum.
  • 2025 maximum contributions, including employer contributions:
    • Individual - $4,300; with the employer contribution employee maximum is $3,550.
    • Family - $8,550; with the employer contribution employee maximum is $7,300.
    • Age 55 and older, can contribute an additional $1,000.
• New Roth 457(b) 

---

Enrollment

To review your current benefits and make Annual Enrollment elections click here and log in using your O-Key credentials.

 

Or, use the Benefitplace App which can be installed from Google Play or the Apple App Store.

• Enter the Company ID, OSUAM
• Log into your benefits using your campus login credentials

---

Expand the sections below to learn more.

• Enrollment Guide
  Click here to view the 2025 Benefits Enrollment Guide!
• Eligibility

  Eligibility:

  Be sure to review the information regarding eligibility to determine who can be covered on your plan(s).

• Health Plan Premiums

  BlueOptions	Total Premium	Institution	Employee	With Credit*
  Employee Only	$654.46	$514.46	$140.00	$110.00
  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	Total Premium	Institution	Employee	With Credit*
  Employee Only	$647.02	$527.02	$120	$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	$1590.60	$360.44	$330.44

  *Employees will 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.

• Pharmacy Copay 

  Tier	Retail	Mail Order
  Tier 1: Preferred Generics	$10	$25
  Tier 2: Non-Preferred Generics	$40	$100
  Tier 3: Preferred Name Brand	$75	$187.50
  Tier 4: Non-Preferred Name Brand	$150	$375
  Tier 5: Preferred Specialty	$225	N/A
  Tier 6: Non-Preferred Specialty	$225	N/A

• Dental

  3 plans from which to choose:

  • Low
  • High
  • Platinum
    • Platinum covers adult orthodontia, in-office teeth whitening, extra cleanings, nitrous oxide, $3,000 annual benefit

  OSU Delta Dental Plans

  Monthly Dental Premiums

  2025	Low Plan	High Plan	Platinum Plan
  Employee	$46.42	$60.86	$93.90
  Employee + Spouse	$91.96	$120.78	$186.88
  Employee + Children	$105.62	$177.10	$278.56
  Family	$163.32	$229.20	$361.14

• Vision

  2 plans from which to choose:

  • Basic and Buy-Up
  • Buy-up plan has higher allowances and choice between:
    1. Additional $70 frame allowance, or
    2. Additional $50 contact lens allowance, or
    3. Covered-in-full anti-reflective coating, or
    4. Covered-in-full progressives

   

  OSU VSP Vision Plans 

  2025	Basic	Buy-Up
  Employee	$7.74	$15.94
  Employee + Spouse	$15.50	$31.92
  Employee + Children	$16.58	$34.16
  Family	$26.52	$54.58

• Short-Term Disability Benefit

  Lincoln Financial Group Short Term Disability

  • 100% employee paid
  • Covers employee only
  • Sick leave bank must be exhausted
  • 14 week benefit (15 day elimination period/12 week payout)
  • Benefit availability and rates are based upon participation (15% of benefits eligible employees must elect benefit to offer)
  • EOI will be required during 2024 Annual Enrollment if coverage was previously declined. EOI not required during new hire benefit elections.
  • Premiums are age banded

   

  Short Term Disability Benefit Flyer

• Life Insurance

  OSU provides Basic Life and Accidental Death and Dismemberment (AD&D) coverage to continuous, regular employees who work at least 30 hours a week or 0.75 FTE or greater. The coverage for Basic Life and AD&D provided by OSU is two-times the employee’s annual salary up to $100,000 maximum coverage.

   

  OSU also offers you the opportunity to purchase additional insurance for yourself and your family provided by Lincoln Financial. During open enrollment, employees may elect to enroll or increase coverage in the supplemental, employee-paid, Voluntary Group Life Insurance by up to $40,000 (in $10,000 increments), so long as the employee is not at their guaranteed issue amount or has not had a prior evidence of insurability denial.

  • Employee Supplemental Guaranteed Issue is two-times annual salary in $10,000 increments not to exceed $300,000.
  • Employee Supplemental with Evidence of Insurability is five-times annual salary in $10,000 increments not to exceed $750,000.

  Supplemental Spouse life can be increased by one ($10,000) increment during annual enrollment, without Evidence of Insurability if not already at guaranteed issue (GI) for spouse life. Additional coverage subject to limitations and requires Evidence of Insurability.

  • Spouse Supplemental Guaranteed Issue is 1 x employee salary in $10,000 increments not to exceed $130,000.
  • Spouse Supplemental with Evidence of Insurability is 100% of employee’s basic and supplemental life not to exceed $380,000.

  For more details regarding the Basic Life and AD&D as well as the supplemental, employee-paid, Voluntary Group Life, please visit the OSU Benefits Life Insurance site.

• MASA Ambulance
  • MASA Ambulance (pdf)
  • 100% employee paid and covers entire family (must select all dependents at enrollment)
  • Covers what insurance doesn’t
  • Works with all Ground and Air ambulance carriers
  • $14 per month pre-tax plan provides coverage in U.S. and Canada
  • $39 per month pre-tax plan provides coverage Internationally as well as U.S. and Canada

  For more information visit the OSU Benefits MASA site.

• Health Savings Accounts
  • Must be enrolled in the BlueEdge High Deductible Health Plan
  • Cannot have an HSA and Health FSA within the same household
  • Cannot be covered on another health plan that is not high deductible
  • Cannot be enrolled in Medicare A and/or B
  • 2025 maximum contributions, including employer contributions:
    • Individual - $4,300; with the employer contribution of $750, your maximum is $3,550.
    • Family - $8,550; with the employer contribution of $1,250, your maximum is $7,300.
    • Age 55 and older can contribute an additional $1,000
• Flexible Spending Accounts

  FSA limit – $3,300. 

   

  A maximum of $640.00 of unused 2024 funds will carryover into the 2025 plan year. See below for election information.

  • Health Flexible Spending Account (FSA)
    • Maximum contribution for 2025 is $3,300.
    • Can be used for your household out-of-pocket health care expenses
  • Dependent Care Flexible Spending Account (DCA)
    • Maximum contribution is $5,000 per household. 
    • Can be used for childcare expenses of your dependent children under age 13 and mentally or physically adults with disabilities.
• Voluntary Retirement Plans (403(b) and 457(b) and Roth 457(b))
  • New for 2025 is the addition of the Roth 457(b), after tax.
  • Contribution limit for those under the age of 50 is $23,000 per plan for 2025.
  • Contribution limit for those age 50 and older is $30,500 for 2025.
  • The 403(b) contribution limit is combined if you contribute to both the pre-tax and after-tax options. 
  • The 457(b) contribution limit is combined if you contribute to both the pre-tax  after-tax options. 

 

Important Information

Make Annual Enrollment Elections October 28 - November 8

• Must complete your annual Catapult Health screening to receive the $30 health insurance premium credit. 
• Must make new elections each year for your Health Flexible Spending, Dependent Care Flexible Spending and/or Health Savings accounts.
• Must ensure dependents are added to each plan for which you wish to cover your dependents.
• Confirm your elections once complete.