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Benefits FAQs


Oakland University is dedicated to providing a benefit program designed to keep employees and their families protected. We hope this information helps you understand the comprehensive benefits package the university offers. Medical coverage gives you financial protection against the high cost of treating a serious illness or medical condition. The OU plans also provide coverage for preventive services, including annual physicals and well child care.

When can I enroll in a benefit plan?
What are my medical options?
What if I do not need coverage through Oakland University?
How much do benefits cost?
Am I offered dental coverage?
Am I offered optical insurance?
How do I contact the Benefits Office?
How do I contact someone regarding a 403(b)?
Do you offer a legal plan?
Am I offered life insurance?
Can I purchase more life insurance than what is offered?
Can I purchase spouse life insurance?
Do I have any discounts offered to me?
What if I have a life-changing event in the middle of the year?
How is dependent eligibility determined?
When is open enrollment?
Do employees have access to the University's Recreation Center? 

When can I enroll in a benefit plan?

You will have a benefits orientation soon after the start of employment. Before that day, please review your benefit choices based on the classification of your new job. At orientation, University Human Resources benefits staff will be on hand to explain your choices, answer your questions and assist you with completing your forms, if necessary. You will have 30 days from your date of hire to return the completed forms to UHR, or you can turn them in right then at your orientation. Benefits will become effective on the first of the month following 30 days of employment.

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What are my medical options?

You will be able to choose from two PPO plans or three wellness-based HMOs:
PPO Plans:
A PPO plan offers a managed care environment with the flexibility of self-referrals within the plan, which means you are not required to have a primary care physician who must direct and approve all of your care. You have the ability to receive care both within and out of the network of physicians.

There is a significant difference in the coverage when you elect to receive care outside the network of PPO providers. Visit the BCBSM website at www.bcbsm.com for a list of PPO providers through the Community Blue PPO network.
HMO Plans:
The Outcomes Based HMO plans provide incentives for our members to practice healthy behaviors.

When you enroll in an HMO, you select a primary care physician who coordinates all aspects of your medical care, including specialist referrals (when required). If you enroll in an HMO plan, you must receive all medical care from HMO doctors and hospitals because out-of-network care is not covered except in extreme emergency situations.

Health Alliance Plan (HAP) — Achieve HMO
Blue Care Network (BCN) — Healthy Blue Living Rewards HMO
Priority Health — HealthbyChoice Achievement (HbCA) HMO

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What if I do not need coverage through Oakland University?

If you have group medical coverage through another source, such as your spouse’s employer, you can opt out of coverage under Oakland University’s sponsored medical and prescription drug plan. If you opt out, you will receive an additional $1,000 in taxable income over your normal pay cycle on an after-tax basis. Please note that in order to be eligible for this option, you must provide proof of coverage through another medical plan and complete a waiver form. The waiver form must be completed each year.

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How much do benefits cost?

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Am I offered dental coverage?

Yes, dental coverage helps with the cost of routine dental care and major services for you and your eligible family members. Coverage is provided through Delta Dental’s Point of Service Plan. Your dental coverage is provided to you and your family by Oakland University at no cost to you.

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Am I offered optical insurance?

Yes, The vision benefit includes coverage for exams, as well as glasses or contact lenses. Your two vision options are Davis Vision or BCBSM Vision.

You will be able to cover yourself and your family under either plan no cost to you. Other eligible adults are covered under the Davis Vision plan only.

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How do I contact the Benefits Office?

The Benefits Office is located at:

401 Wilson Hall
Phone: (248) 370-4207
Fax: (248) 370-4212
Email: benefits@oakland.edu

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How do I contact someone regarding a 403(b)?
Fidelity
Bethany L. Pagnani
Phone: 1-866-588-2621
Fax: 603-579-2874
bethany.pagnani@fmr.com
Website

TIAA-CREF
Edward M. Bolt
Phone: 1-800-842-2044 x1411
Fax: (248) 351-1495
ebolt@tiaa-cref.org
Website

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Do you offer a legal plan?

Yes, you can opt into MetLaw Pre-Paid Legal Services. This program offers you assistance in IRS Audits, Preventive Legal Services (including legal document review, will preparation and updates), and Motor Vehicle Legal Service. MetLaw requires a one year participant commitment.

The cost for this service is $21.55 (after tax) per month; premiums are paid on a calendar year basis. You must re-enroll during open enrollment each year to continue this benefit.

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Am I offered life insurance?

Yes, the University shall provide each full-time and part-time employee an amount of term life insurance equal to her/his base annual salary. If this insurance is not an even multiple of $1,000, it shall be raised to the next higher multiple of $1,000. There is a benefit reduction to 67% at age 65; to 45% at age 70; and to 30% at age 75. The University will provide this benefit at no cost to the employee.

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Can I purchase more life insurance than what is offered?

Yes, you can purchase additional life insurance in increments of $50,000 up to $200,000. As a new employee you have an opportunity to be guarantee issued up to $100,000 without completing an evidence of insurability (EOI). If you elect coverage at a later date you will be required to complete an EOI before any benefit is approved. The costs can be found in your new employee benefit summary book.

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Can I purchase spouse life insurance?

Yes, you can purchase spouse/dependent Voluntary Dependent Life insurance if you have coverage on yourself. The policy may cover the lives of your spouse and eligible dependent children. Benefits are paid to you if one of your insured dependents dies. Spouse benefits reduce to 67% of the principal amount at age 65 and terminate at age 70; benefits cease when employee retires.

Your spouse options are $5,000 or $20,000.

Your dependent child(ren) option is $4,000.

If you/your dependent do not enroll when you first become eligible but decide to enroll at a later date, you will be required to provide EOI for yourself/your spouse for any level of coverage.

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Do I have any discounts offered to me?

Yes! Please see our Employee Discount page for updated discounts that are available.

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What if I have a life-changing event in the middle of the year?

A life-changing event, such as birth, death, marriage, divorce, or adoption, can have an impact on your benefit coverage. You are responsible for notifying UHR of any status change within 30 days of the event in order to make a change to the current plan year elections.  You must provide appropriate documentation.  Please contact the Staff Benefits office if you are unsure if your life-changing event qualifies.

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How is dependent eligibility determined?

You can cover yourself and your eligible dependents under the benefits offered by Oakland University.

Your eligible dependents are:
  • Your legal spouse;
  • Your eligible children by birth, adoption or legal guardianship, until the end of the calendar year in which they turn 26 for medical, dental and vision coverage;
  • For dependent life insurance, dependent children are covered until they reach age 19, or 26 if a full-time student.
You may cover other eligible adults if the other adult satisfies all of the following:
  • Resides with the employee and has done so for 18 continuous months prior to the individual’s enrollment;
  • Is 26 years of age or older;
  • Is not a “dependent” of the employee as defined by the Internal Revenue Service;
  • Is not married to any other party;
  • Is not related by blood (child, grandchild, parent, grandparent, sibling, niece, nephew, aunt, uncle, cousin) or marriage;
  • Is not the employee’s landlord, tenant or boarder;
  • Is not an undocumented immigrant, and;
  • The employee and the other eligible adult are financially interdependent. Financial interdependence may be established by submission of proof of joint bank account, joint home ownership or some other specified documented proof.
The employee is required to submit a signed Affidavit of Other Eligible Adult.

The dependent child(ren) of the other eligible adult is (are) eligible for membership providing all of the eligibility requirements for dependent children are met.

Coverage for other eligible adults is available through HAP Achieve, BCN Healthy Blue Living Re-wards, Priority Health HealthbyChoice Achievements, Delta Dental and Davis Vision.

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When is Open Enrollment?

Open enrollment is typically the first two weeks in November.

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Do employees have access to the University's Recreation Center?

Yes. All benefits eligible employees receive access to the Recreation Center at no cost.

*These documents summarize your OU benefits. Official benefit documents govern your benefits. If there are any inconsistencies between the information in these reference pages and the benefit documents provided by our carriers, the carrier documents will prevail.