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Employee Benefits

Health insurance plans

Medical Plan highlights

PlanBase PlanBuy-Up Plan
Deductible Individual/Family$2,500/$7,500$1,250/$3,750
Office Visit Copays- PCP$30$20
Office Visit Copays - Specialist$50$40
Office Visit - Preventive CarePlan pays 100%Plan pays 100%
Urgent Care Visit$30 copay$20 copay
  • University pays 70 percent of employee premium and 52 percent of total family coverage
  • Preventive annual eye exam with no out-of-pocket cost
  • The FHCMEC location on campus waives the copay to be seen
  • Pharmacy
    • Four tier plan

$20 copay for generic drugs unless it’s a drug that costs less than $20

  • $40 copay for preferred drugs
  • $60 copay for nonpreferred drugs
  • $125 copay for specialty drugs

        Supplemental plans medical plan members are automatically enrolled


        • Additional prescription plan for some preferred and non-preferred drugs
        • No cost to medical plan members for any drugs they are able to provide
        • Enroll when you’re ready to fill a prescription for the first time
        • Services Zero is able to cover have no cost to members
        • No emergency services are covered
        • Imaging (CT scans, MRI, ultrasound, X-ray, etc)
        • Physical therapy
        • Some surgeries (knee arthroscopy, knee replacement, heart valve, cataract, etc.

        Campus Clinic

        • Plan members and dependents may visit the university’s onsite clinic, FHCMEC at OCU, (as well as two additional locations in the metro area) for acute care, primary care, and other routine services at no cost

        Dental plan highlights

        • Dental coverage is offered through Delta Dental
        • Preventive coverage – 2 visits annually
        • Covers exam, x-rays, cleaning
        • Additional services covered after a $100 annual deductible
        • Basic services covered at 80% such as amalgam and composite fillings
        • Major services covered at 50% such as crowns, dentures, and implants\
        • Maximum annual benefit - $2,000

        Vision plan highlights

        • Vision coverage is offered through VSP
        • Annual eye exam copay $10
        • Copay for glasses $25
          • $130 allowance for frames with basic lenses
          • 20-25% discount on lens enhancements


        Medical, dental and vision plans are standalone so you may select the ideal mix of plans for your needs

        Leave Programs

        Staff and 12-month faculty accrue 10 sick days annually as well as vacation (based on years of service and position). In addition to vacation and sick leave, employees receive paid time off for a range of situations to promote and support work-life balance including approximately 14 paid holidays, time of for civic activities including voting and jury duty, and bereavement leave. Currently, the university observes a summer schedule program allowing a reduced work week during the summer terms without a change in employee pay.

        Nine-month faculty do not accrue sick or vacation leave and instead are covered by the university’s current faculty short leave disability and parental leave programs for time away from campus in certain circumstances.

          Additional Programs and Benefits

          Flexible Spending Accounts

          Medical and dependent care flexible spending accounts as well as flex spending debit card are available with Advantage Benefits Plus

          Life and Long Term Disability Insurance

          • Basic Life and AD&D Insurance - Basic life insurance and accidental death and dismemberment coverage is provided to all employees at no cost with a benefit of two times an employee’s salary up to $100,000
          • Long Term Disability Insurance – After one year of service, long term disability is covered 100% by the university and provides income replacement up to 60% of pre-disability earnings not to exceed $15,000 monthly in the event of a qualifying disability
          • Supplemental Life Insurance - Employees may purchase additional group supplemental life insurance policies for themselves and dependents at group rates

          Retirement Plan

          The university’s retirement plans offer several opportunities for retirement savings via recordkeeper TIAA

            • 403b Group Plan with Employer Match - Employees may contribute up to 5% of base pay to the 403b group retirement plan to receive a matching contribution of up to 5%
            • Additional Contributions – Employees may elect to contribute additional amounts (pre-tax or Roth) up to annual IRS limits
            • 457 Plan - Employees earning $100,000 or more may participate in the university’s 457b plan subject to annual IRS limits
            • Participation and Vesting – Employees may begin participating immediately and are vested at 20% per year until five full years of service

            Tuition Remission and Exchange Programs

            After four months of service, employees and qualifying dependents are eligible for tuition remission to cover all or some of university tuition and fees (for the employee only) for undergraduate, graduate, and professional-level degree programs. Additionally, the university participates in two tuition exchange programs offering the opportunity for scholarship awards at participating institutions. Additional program materials are available via SharePoint.

            • Employee Assistance Program (EAP) – This confidential resource is available to employees and family members to assist with a wide range of work/life balance issues
            • Voluntary Benefits – The university offers several payroll deducted voluntary plans including reduced gym membership at Gold’s Gym, accidental injury and critical illness policies, auto insurance through Liberty Mutual, and other offers that vary by plan year
            • Fitness Center Access – Employees may use the on-campus fitness center at no cost.
            • Free and/or Discounted Event Admission – Employees may attend athletic events at no cost. Other event tickets such as music, theatre, and dance performances may be discounted.
            • Wellness Time – Employees receive one hour of wellness time weekly to engage in on-campus wellness activities as schedules permit
            • Discounted Meals – Employees pay a reduced rate for meals in the cafeteria.

            Benefits Resources:

            • 2021 Employee Benefits Guide – The guide provides an overview of the university’s benefit programs and more.
            • OCU Employees: bswift
            • OCU Employees: SharePoint