Introduction

Welcome to your 2021 Benefits Open Enrollment!


Open enrollment is a short period each year when you can make changes to your benefits. Your Open Enrollment Guide outlines all of the different benefits Oklahoma Community Credit Union offers, so you can identify which offerings are best for you and your family.


Elections you make during open enrollment will become effective on October 1. If you have questions about any of the benefits mentioned in your guide, please don’t hesitate to reach out to HR.

Benefits Overview

Your Benefits Open Enrollment Guide has been created to help you understand the benefits that are being offered to you. Our benefits program is designed to offer employees substantial coverage to meet both individual and family needs. Please take the time to review the information in your guide and this microsite.


2021 Benefit Changes:


Medical Benefits

UnitedHealthcare has discontinued our current plans; however, we have chosen some great alternative plans for you to choose from.


If you are currently enrolled in our Base Plan, you will automatically be enrolled in our new Base Plan (CD1B/E82). If you are currently enrolled in our Buy-down Plan, you will automatically be enrolled in our new Buy-up Plan (CDZ8/E82).


Plan changes can be made during open enrollment. 

Open Enrollment Cover

Open Enrollment Instructions

Open Enrollment Cover

Open Enrollment Instructions

Open Enrollment Guide

Open Enrollment Guide

How To Enroll and Forms

If you are enrolling in our benefits for the first time, or making a benefit election change, follow these simple steps:

  • Download the enrollment/change form(s) below.
  • Read your Open Enrollment guide and the instructions on your enrollment form(s).These contain important information about your benefit options.
  • Complete the enrollment form(s) by making your benefit elections and sign; and
  • Submit the enrollment form(s) to Human Resources by the enrollment deadline.


Paperwork is due to HR, no later than September 17th.

UHC Application

Application for Medical Coverage

UHC Application

Application for Medical Covera ...

MetLife Appplication

Application for Dental, Vision, Life and Disability

MetLife Appplication

Application for Dental, Vision ...

Allstate Application

Application for New Employees Only

Allstate Application

Application for New Employees ...

Allstate Application and EOI

Application for Late Enrollees with Evidence of Insurability

Allstate Application and EOI

Application for Late Enrollees ...

Allstate Application - GAP

Application for Major Medical Complement Policy

Allstate Application - GAP

Application for Major Medical ...

5Star Life Application

Application for Family Protection Plan

5Star Life Application

Application for Family Protect ...

BESTflex FSA Application

Application for Flexible Spending Accounts

BESTflex FSA Application

Application for Flexible Spend ...

UnitedHealthcare

Medical Benefits

Having access to high quality, affordable health care is a great concern for most people. That’s why we are pleased to offer employees and their families comprehensive medical coverage administered by UnitedHealthcare.


You can choose between two medical plans. Note: Plan changes can only be made during open enrollment.


Base Plan - Choice Plus PPO Plan CD1B/E82

Richer Benefits

Lower Deductible/Copay Plan


Buy-up Plan - Choice Plus PPO Plan CDZ8/E82

Higher Deductible Plan

Lower Out-of-pocket


These plans give you the freedom to self-direct your care without having to select a primary care physician or obtain a referral for specialist care. 


UHC Medical

Base Plan

UHC Medical

Base Plan

UHC Medical

Buy-up Plan

UHC Medical

Buy-up Plan

MetLife

Dental, Vision, Life and Disability Benefits
MetLife Dental

Dental Benefits

MetLife Dental

Dental Benefits

MetLife Vision

Vision Benefits

MetLife Vision

Vision Benefits

MetLife Basic Life

Basic Life Benefits

MetLife Basic Life

Basic Life Benefits

MetLife STD

Short-term Disability Benefits

MetLife STD

Short-term Disability Benefits

MetLife LTD

Long-term Disability Benefits

MetLife LTD

Long-term Disability Benefits

MetLife Grief Counseling

MetLife Grief Counseling

5Star Life Insurance

Family Protection Plan (FPP)

Nearly 85% of Americans say most people need life insurance; unfortunately only 62% have coverage and a staggering 33% say they don’t have enough life insurance, including one-fourth who already have life insurance coverage. Nobody wants to be a statistic - especially during a period of grief. That’s why 5Star Life Insurance Company developed its Family Protection Plan (FPP) policy - to ensure you and your loved ones are covered during a period of loss.

5Star Life

Family Protection Plan

5Star Life

Family Protection Plan

Allstate

Accident, Cancer, Major Medical Complement

If you want additional protection beyond the medical benefits provided by Oklahoma Community Credit Union, you can enroll in the supplemental policies offered through Allstate. 


Allstate GAP

Major Medical Complement

Allstate GAP

Major Medical Complement

Allstate Accident

Protection for accidental off-the-job injuries

Allstate Accident

Protection for accidental off- ...

Allstate Cancer

Protection for the treatment of cancer and 29 specified diseases

Allstate Cancer

Protection for the treatment o ...

Allstate GAP FAQ

Major Medical Complement FAQ

Allstate GAP FAQ

Major Medical Complement FAQ

Allstate My Benefits

Online access to your benefit info

Allstate My Benefits

Online access to your benefit ...

BESTflex

Flexible Spending Account (FSA)

Our Flexible Spending Account (FSA) allows you save money on eligible health care and dependent care expenses because you are paying with pre-tax dollars. The money is withdrawn from your paycheck (and placed in your account) before taxes are calculated. The result? You have more take-home pay and money to cover your out-of-pocket health care bills.


Our FSA renews in January, so you will be notified of your open enrollment opportunity for this benefit in December.


FSA SPD

Summary Plan Description

FSA SPD

Summary Plan Description

FSA Enrollment Guide

FSA Enrollment Guide

FSA Eligible Expenses

Eligible Expenses for Health Care FSAs

FSA Eligible Expenses

Eligible Expenses for Health C ...

FSA Benefits Card

FSA Benefits Debit Card

FSA Benefits Card

FSA Benefits Debit Card

My Account Assistant

Online Quick Reference Guide

My Account Assistant

Online Quick Reference Guide

Health Plan Compliance Notices

Please review these notices to learn about your rights pertaining to your benefits. 

Health Plan Compliance Notices

Learn about your rights pertaining to your benefits

Health Plan Compliance Notices

Learn about your rights pertai ...

Contact NFP

While we are interested and concerned about the health of our employees and their dependents, we have HIPAA Privacy Compliance obligations which limit the information shared with us. NFP is available to assist you with claims issues or any other issues you have concerning our benefits. If you are experiencing a claim issue, please contact Customer Service with the appropriate insurance company first to see if you can resolve it on your own. If not, then you need to contact our broker for further assistance.  


Account Team Contacts

ContactImage

Danielle Verdin

Account Manager

danielle.verdin@nfp.com

(405) 359-0594