At ONEOK, we've got you covered even if you live far away from network care.

Gap Exception

When a network specialist isn’t available within a 30-mile radius of your home ZIP code, you can see a non-network specialist (paid at the network level). UnitedHealthcare (UHC) must approve benefits payable under this exception before receiving care.

Out of Area

If you live in an area with limited access to in-network medical or dental providers and have been classified as "out of area," you’re eligible to enroll in the ONEOK Health Plan or the ONEOK Dental Plan and receive in-network benefits, regardless of the provider you choose. If you choose an out-of-network provider who charges more than the reasonable and customary rate, as determined by UHC or Delta Dental, you may be responsible for the additional charges, plus your share of eligible expenses. Being classified as "out of area" for the ONEOK Health Plan doesn’t automatically classify you as "out of area" for the ONEOK Dental Plan or vice versa.

Travel and Lodging Benefit

As a ONEOK Health Plan member, you have an allowance of $2,000 per year for travel and lodging related to approved covered health services when you travel more than 100 miles from your home address, as reflected in our records. This is for incurred reasonable travel and lodging expenses only and is independent of any existing medical coverage available. You must pay for travel and lodging out of pocket and then submit receipts for reimbursement. Coverage is for transportation by plane (economy ticket), train, bus, ferry, taxi, Uber/Lyft, fuel and tolls/parking. Lodging expenses are further limited to $50 per night or $100 per night when a travel companion is medically necessary. Meals, medical supplies, noncovered services, emergency room and urgent care visits are not eligible for reimbursement. Submit your reimbursements at myUHC.

Open Enrollment

Explore now

Ready to enroll?

Need Help?

QUICK LINKS

CONTACTS

IMPORTANT DOCUMENTS

ENROLL

Enrollment

Health

Money

Protection

Resources