Medical Insurance Contribution Tiers FAQs

For the purpose of these FAQs, the following acronyms are used:
  • MCC - Medical Contribution Compensation (the employee's compensation level used to determine medical contributions made by the employer)
  • OTRS - Oklahoma Teachers' Retirement System

How is my MCC calculated?

Your MCC is defined as your annual base pay rate that you are appointed to receive through the university or affiliated organizations.

The MCC does not include the following.

  • Overtime payments
  • Compensation for adjunct teaching by benefits eligible employees
  • Compensation received for summer session or other vacation period employment in excess of regular salary
  • Any remuneration received which is in excess of 100% of full-time equivalent for your regular position
  • Any perquisites or bonuses or other special compensation which occur on an irregular basis

How is my employer contribution for medical insurance determined?

Your medical plan monthly cost depends on the plan and coverage you choose, as well as your MCC. Medical plan rates are tiered based on your MCC, so that contribution rates are related to your level of university compensation. The compensation-based contribution system is part of the university’s strategy to maintain choice and make medical insurance more affordable for employees who wish to cover eligible dependents.

How are tiers and rates for part-time employees be determined?

Salary tiers and rates calculated for part-time employees can be found by choosing the appropriate rate table at benefitsenrollment.ou.edu/rates.

What happens if my salary changes during the year?

If, after the salary increase, your MCC still fits within the range of your existing contribution tier, there will be no change in contribution rates. However, if the salary increase or reduction causes your MCC to fall within a different contribution tier, the coinciding rates will be adjusted on the next payroll.

How do the additional university contributions toward dependent coverage affect my OTRS contributions?

Any additional credits an employee receives to offset dependent coverage would be considered in their total compensation. Employee and employer contributions to OTRS are based on total compensation.