Table of Content
- Header
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Page
- Open Enrollment
- Changes This Year
- Benefits Overview
- How To Enroll and Forms
- BCBS of Oklahoma
- Mutual of Omaha
- 5Star Life Insurance
- Allstate
- EBC BESTflex
- HSA Bank
- Contact Us
- Additional Resources
- Footer
Open Enrollment
Open Enrollment is your opportunity to evaluate your current benefit elections and make changes for the new plan year. You are given an Open Enrollment opportunity each year for a January 1 renewal.
Changes This Year
OCCU is committed to offering a comprehensive employee benefits program that helps our employees stay healthy, feel secure and maintain a work-life balance.
Medical: We’re excited to introduce a new High-Deductible Health Plan (HDHP) that is HSA qualified. A Health Savings Account, or HSA, is a tax-advantaged savings account you can use for healthcare expenses. Along with saving you money on taxes, HSAs can help you grow your nest egg for retirement. Please refer to your benefits guide and summaries of benefits and coverage for more detail.
Major Medical Complement GAP Plan: Beginning January 1, 2026, Amwins will administer our GAP plan. As a result, Amwins will send out new ID cards along with a welcome email that will provide a link to access your member portal.
Flexible Spending Account (FSA): For 2026, the annual maximum amount each participant may contribute to a Health Care FSA is $3,400 and the rollover max is $680. In addition, the Dependent Care FSA maximum is increasing to $7,500.
Health Savings Account (HSA): The Credit Union will make an initial deposit of $1,000 to your HSA account if you enroll in the BCBS HDHP. The Credit Union will contribute $500 each year thereafter.
Your Cost Per Paycheck: We are thrilled to announce a new contribution strategy that is based on tenure. The credit union will increase our contributions to your medical premiums by 5% every five years, beginning after your fourth year of employment. We are also transitioning to a four-tier rate, rather than based on age, which eliminates a rate per person. Please refer to your Benefits Guide for your cost per pay.
Our medical and dental premiums are increasing slightly, so you will see a change to your payroll deductions for these benefits. No other benefit incurred a rate increase.
Benefits Overview
As a full-time employee, you are eligible for the comprehensive benefits available to you and your family.
Resources Available
This Benefits Open Enrollment Microsite contains all the necessary benefit summaries and forms required to enroll or make changes to your current elections.
Please be sure to:
- Review your benefits open enrollment guide, which highlights the comprehensive coverage available to you and your family.
- Refer to your Summaries of Benefits and Coverage, for more benefit details.
How To Enroll and Forms
Action Required:
For currently enrolled Employees: If you are an active employee and don’t enroll or make any changes to your benefit elections during the Annual Open Enrollment period, your current benefit elections will automatically carry over to the next plan year, with the exception of our FSA. An FSA application is required if you wish to participate in the new plan year.
For newly benefit eligible Employees: If you are a new hire or become eligible for benefits due to a qualifying event, and do not enroll when you are first eligible, you must wait until the next Annual Open Enrollment period to enroll for the coverage you want and need. Note: late enrollees may be denied coverage for some benefits.
Open Enrollment paperwork must be submitted to AnnDee by December 19th.
BCBS of Oklahoma
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 Blue Cross & Blue Shield of Oklahoma (BCBS).
Mutual of Omaha
5Star Life Insurance
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.
Allstate
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.
EBC BESTflex
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.
HSA Bank
Fortunately, good health can actually cost less. Over the long-term, if our health benefits program can help you maintain or improve your health, we all win. That’s why we are excited to offer a Health Savings Account (HSA), Administered by HSA Bank. An HSA is an example of a consumer-driven health plan that is designed to empower you to take control of your health and the dollars you spend on your care.
An HSA is an account that accumulates funds to cover your health care expenses. It comes with a high-deductible health plan that protects you from large health care expenses.
If you choose to enroll in the HSA Qualified High-Deductible Health Plan (HDHP) with BCBS, you can elect to participate, and specify your annual contribution, on your Application/Change form.
Contact Us
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.
OCCU Contacts
AnnDee Turner
aturner@okcommunitycu.com
(405) 533-5152
NFP Broker Contacts
Danielle Verdin
Account Manager
danielle.verdin@nfp.com
405-513-8941