Table of Content

  1. Header
  2. Your 2024 JMA Energy Benefits
    1. Open Enrollment Window: [insert date range]
    2. How to Enroll
    3. Eligibility & Qualifying Events
  3. Medical & RX
    1. Summary of Benefits and Coverage (SBC)
    2. Prescriptions
    3. Virtual Visits
    4. Blue Cross Blue Shield of Oklahoma Resources
    5. Anthem Resources
    6. UnitedHealthcare Resources
    7. Cigna Resources
  4. HSA
    1. HSA Forms and Resources
  5. FSA
    1. FSA Forms and Resources
  6. Dental
    1. Dental Summary
    2. Dental Enrollment and Change Forms
  7. Vision
    1. Vision Summary
    2. Vision Enrollment and Change Forms
  8. Basic Life and Voluntary Life
  9. Disability
  10. Cancer Insurance
  11. Page
    1. Open Enrollment Window: November 21st - December 21st
    2. How To Enroll
    3. Benefits Overview
    4. Medical
    5. Dental
    6. Vision
    7. Life & AD&D
    8. Disability
    9. American Benefits Group (ABG)
    10. Cancer Policy
    11. Enrollment and Beneficiary Forms
    12. Helpful Benefit Videos
    13. Contact Us
  12. Footer

JMA Energy offers Medical Plans through Blue Cross Blue Shield of Oklahoma.

PPO Plan options offers the freedom to see any provider when you need care. When you use providers from within the PPO network, you receive benefits at the discounted network cost. Most expenses, such as office visits, emergency room and prescription drugs are covered by a copay. Other expenses are subject to a deductible and coinsurance.

A HDHP is similar to the PPO Plan in that you have the option to choose any provider when you need care. However, in exchange for a lower per-paycheck cost, you must satisfy a higher deductible that applies to almost all health care expenses, including those for prescription drugs. ​ All expenses are your responsibility until the deductible is reached, with the exception of preventive care, which is covered at 100% when you visit a physician in the network. Once the deductible is met, you are responsible for coinsurance for medical expenses and a copay for prescription drug expenses.

Utilizing In-Network providers will allow for the highest level of coverage. In-Network providers agree to accept Blue Cross Blue Shield of Oklahoma's contract rate as the final charge and the member is not balanced billed.

What is a PPO?

What is a PPO?

What is an HDHP with HSA?

What is an HDHP with HSA?



Medical Summary

Blue Cross Blue Shield of Oklahoma Resources

Medical Extras

My Health Plan: Access your BCBSOK information 24/7.

A secure website specifically for Blue Cross Blue Shield of OK members, BCBSOK makes it easy and convenient to manage your plan and your health online. 

  • Search for In-Network doctors, hospitals, and facilities. For example, a less expensive MRI location
  • View your EOB (Explanation of benefits)
  • View plan documents
  • Members that are located outside of Oklahoma please visit website to find a provider or call the member services number on the back of your card, and member services will help you search for in-network providers by your current location.
  • and so much more!!

Blue Access for Members App or (BAM app)

With the Mobile App, you can get access to vital information when you are away from a computer. You can Track Claims and Spending Information, Estimate Costs, Find a Provider, and Access your Member ID Card. Download the BCBSOK app on the Apple Store or Google Play.

Chronic Management Program

If you suffer from one of the conditions below, this program may be right for you:

  • Asthma
  • Heart Failure
  • COPD
  • Diabetes
  • Hypertension

Call (800) 942-5837 to learn more or enroll in the Chronic Management Program.


A Health Savings Account (HSA) is a tax-free savings account that is owned by you, it is 100% vested from day one, and lets you build up savings for future needs. The funds may be used to pay for qualifying healthcare expenses not covered by insurance or any other plan for yourself, your spouse, or tax dependents. You decide how much you would like to contribute, when and how to spend the money on eligible expenses, and how to invest the balance. If you currently have an HSA your contributions and current fund will rollover to 2024.

To be eligible for an HSA, you must be enrolled in a High Deductible Health Plan (HDHP).


  • Pre-tax contributions are deducted through payroll and deposited into your HSA account
  • You can use your HSA available funds to pay for qualified medical expenses tax-free
  • HSA funds can be used for non-eligible expenses but will be subject to regular income taxes and a 20% excise tax penalty
  • Unused funds remain in your account for future use and roll over each calendar year
  • HSAs remain with you even if you change health plans or companies. If you open an HSA and later become ineligible to make contributions, you can still use your remaining funds
  • You can change your HSA contribution at any time during the plan year for any reason.


To protect yourself in the event that you are audited by the IRS, keep records of all HSA documentation and itemized receipts for at least as long as your income tax return is considered open (subject to an audit), or as long as you maintain the account, whichever is longer. HSA funds may be used for non-eligible expenses but will be subject to regular income taxes and a 20% excise tax penalty.

Health Savings Account (HSA) Overview

Health Savings Account (HSA) Overview

HSA Contribution Limits


The Health Care and Dependent Care Flexible Spending Accounts (FSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to one or both of the Flexible Spending Accounts you reduce your taxable income, so you pay less in taxes — which saves you money. The IRS requires you to make new elections every year, so you’ll need to make sure to download the FSA or Limited Purpose FSA form to make your 2024 contributions to those accounts.


The election you make during enrollment is your election for the entire plan year. You may change it only if you have a qualifying life event and the change request must be consistent with the event. Plan ahead! At the end of the year or grace period, you lose any money left over in your FSA. Don’t put more money in your FSA than you think you'll spend within a year on things like copayments, coinsurance, drugs, and other allowed health care costs.

You may contribute as follows:

Health Care FSA

  • Up to $3,200 annually
  • All benefit eligible can participate unless you or your spouse are contributing to an HSA.
  • Reimbursements allowed for unreimbursed medical, prescription, dental, and vision expenses

Dependent Care FSA

  • Up to $5,000 annually
  • Limited to $2,500 if you are married and file separate tax returns

The Dependent Care FSA

Allows you to pay for eligible dependent care expenses with tax-free dollars so that you and your spouse can work or attend school Full-time.

Funds in a Dependent Care FSA are only available once they have been deposited into your account and you cannot use the funds ahead of time.

  • You may set aside up to $5,000 annually in pre-tax dollars, or $2,500 if you are married and file taxes separately from your spouse.
  • If you participate in a Dependent Care FSA, you cannot apply the same expenses for a dependent care tax credit when you file your income taxes.

How the Plan Works

You must incur your eligible expenses during the plan year — January 1st to December 31st. An expense is considered to be incurred when the service is performed, not when you are billed or pay for the service. You do, however, have until March 31st annually to file your claims. Any unclaimed funds after March 31st, will be forfeited.

What is an FSA?

What is an FSA?

What is a Dependent Care FSA?

What is a Dependent Care FSA?

Dental Summary

Ameritas Dental Summary

Vision Summary

Vision Benefit Summary

Enrollment and Beneficiary Forms

Required - Spousal Other Coverage Form (JMA)

2024 Plan Year