Choose the Health Plan That Fits
You have choices at ONEOK when it comes to health care coverage for you and your family. You can choose from two medical plans — the Preferred Provider Organization (PPO) Plan and the High Deductible Health Plan (HDHP). Both are administered by UnitedHealthcare (UHC), cover the same services and have the same network. They differ in how and what you pay when you need care.
Overview
Covered Care
Both medical plans cover preventive care 100%. They also cover in- and out-of-network care, but you’ll pay less when you use an in-network provider.
Cost for Care
With the HDHP (High Deductible Health Plan), you’ll have lower monthly premiums but a higher annual deductible. You also get money from ONEOK ($500 single coverage and $1,000 family coverage) put into a health savings account (HSA) to help offset some of your out-of-pocket costs. You pay for services until your annual deductible is met. Once you meet the annual deductible, the plan starts sharing the cost of care with you and you’ll pay 15% when you receive care and the plan pays 85% up to your annual out-of-pocket maximum.
With the PPO, you’ll have a lower deductible but higher monthly premiums. This plan has copays for some services, like office visits, and coinsurance for other services, like inpatient hospital care. You’ll pay 20% after reaching your annual deductible for non-copay services and the plan pays 80% up to your annual out-of-pocket maximum. This plan does not come with an HSA but you may elect a Healthcare Flexible Spending Account (HCFSA).
Medical
What You Pay
PPO
HDHP
Annual Deductible
Per Person
$5005
You+Spouse/Domestic Partner or You+Child(ren)
$1,0005
You+Family
$1,5005
Single Coverage
Family Coverage
ONEOK Contribution to HSA
$1,000 family coverage
prorated based upon date of hire
Member Coinsurance
Out-of-Pocket Maximum
Per Person
You+Spouse/Domestic Partner or You+Child(ren)
You+Family
Single Coverage
Family Coverage
Preventative Care (Nondiagnostic)
Includes Immunizations/Well-Child Care, Routine Physical, Prostate Cancer Screening, Mammogram Screening, Colonoscopy/Cologuard, Annual Wellness Exams, etc.
Common Services
CareATC Health Services
24/7 Virtual Visit
copay5,8
15%5
after deductible
Primary Care Office Visit
$30
copay5,7,8
15%5
after deductible
Specialist Office Visit
$50
copay5,8
15%5
after deductible
Urgent Care Visit
copay5,8
15%5
after deductible
Diagnostic X-ray/Lab
after deductible
after deductible
Emergency Room
$300 copay,8
waived if admitted,
deductible + 20%5 after deductible
15%5
after deductible
Inpatient Hospital
20%3,4,5
after deductible
15%3,4,5
after deductible
All Other Covered Services
after deductible
after deductible
Travel and Lodging Benefit Allowance
Reimbursement up to
$2,000 max after deductible
Reimbursement up to
$2,000 max after deductible
Maternity Services12
Routine Preventative Prenatal Care
Other Prenatal Care
after deductible
after deductible
Fertility
Benefits only available
through Progyny
Benefits only available
through Progyny
Delivery
after deductible
after deductible
Newborn Charges
No automatic coverage --
newborn must be added to plan within 90 days of birth
No automatic coverage --
newborn must be added to plan within 90 days of birth
PPO
HDHP
Annual Deductible
Per Person
$1,5005
You+Spouse/Domestic Partner or You+Child(ren)
$3,0005
You+Family
$4,5005
Single Coverage
$3,4005
Family Coverage
$6,6005,10
ONEOK Contribution to HSA
N/A
$1,000 family coverage
prorated based upon date of hire
Member Coinsurance
40%
40%
Out-of-Pocket Maximum
Per Person
$6,0002
You+Spouse/Domestic Partner or You+Child(ren)
$12,0002
You+Family
$18,0002
Single Coverage
$9,0002
Family Coverage
$18,0002,11
Preventative Care (Nondiagnostic)
Includes immunizations/Well-Child Care, Routine Physical, Prostate Cancer Screening, Mammogram Screening, Colonoscopy/Cologuard, Annual Wellness Exams, etc.
Not covered
Not covered
Common Services
CareATC Health Services
Not covered
Not covered
Virtual Visit
Not covered
Not covered
Primary Care Office Visit
40%5
after deductible
40%5
after deductible
Specialist Office Visit
40%5
after deductible
40%5
after deductible
Urgent Care Visit
40%5
after deductible
40%5
after deductible
Diagnostic X-ray/Lab
40%5
after deductible
40%5
after deductible
Emergency Room
$300 copay,8
waived if admitted,
deductible + 20%5 after deductible
15%5
after deductible
Inpatient Hospital
40%3,4,5
after deductible
40%3,4,5
after deductible
All Other Covered Services
after deductible
40%5
after deductible
Travel and Lodging Benefit Allowance
Reimbursement up to
$2,000 max after deductible
Reimbursement up to
$2,000 max after deductible
Maternity Services12
Routine Preventative Prenatal Care
Not covered
Not covered
Other Prenatal Care
40%3,4,5
after deductible
40%3,4,5
after deductible
Fertility
Benefits only available
through Progyny
Benefits only available
through Progyny
Delivery
40%3,4,5,9
after deductible
40%3,4,5,9
after deductible
Newborn Charges
No automatic coverage --
newborn must be added to plan within 90 days of birth
No automatic coverage --
newborn must be added to plan within 90 days of birth
-
Does not apply to annual deductible or out-of-pocket maximum.
-
If provider is not contracted with UHC, the patient is responsible for amounts in excess of eligible expenses, which will not apply to the annual deductible or out-of-pocket maximum.
-
Requires preauthorization in network: provider responsibility; out of network: patient responsibility.
-
Precertification required within 48 hours of admission.
-
Applies to out-of-pocket maximum.
-
100% coverage is based on age and health condition with respect to health care reform guidelines.
-
Family practitioner, general practitioner, internal medicine, pediatrician and mental health visits.
-
Does not apply to annual deductible.
-
Requires the newborn be added to the health plan for coverage.
-
The entire family deductible must be met before coinsurance will be applied, regardless of how many individuals are covered.
-
The entire family out-of-pocket maximum must be met before the out-of-pocket maximum has been satisfied, even if only one family member is using the plan; provided, however, that the out-of-pocket maximum for any individual shall not exceed the limit established by the IRS for the year under applicable health care reform guidelines.
-
Fertility coverage and newborn charges do not apply to childbearing dependents.
prescription drugs
what you pay
PPO
HDHP
Select Preventative Drugs
Tier 1 Drugs
The lesser of the cost of the drug or $7.502,3
15%2
after deductible
Tier 2 Drugs
30%2,3
$25 minimum;
$75 maximum
15%2
after deductible
Tier 3 Drugs
40%2,3
$50 minimum;
$150 maximum
15%2
after deductible
Specialty Drugs
30%2,3
$100 minimum;
$300 maximum
15%2
after deductible
Mail Order
For a list of covered prescription drugs, visit myUHC.
-
Does not apply to annual deductible or out-of-pocket maximum.
-
Applies to out-of-pocket maximum.
-
Does not apply to annual deductible.
your cost per pay period
Deductions taken from the first two pay periods per month
PPO
HDHP
You Only
You + Spouse/Domestic Partner
You + Child(ren)/Domestic Partner Child(ren)
You + Family
Per-Pay-Period Premiums
Lower
Deductibles and Out-of-Pocket Maximums
Lower
Higher
Extended Coverage
Even if you live far away from network care, we've got you covered. Take a look at the extended coverage options available to you.