CommunityCare Group Health Plans for Oklahoma Employers
CommunityCare writes employer group coverage for Oklahoma small businesses. It is the only group medical carrier in the state that is both headquartered here and owned by the health systems its members actually use - Saint Francis Health System and Ascension St. John.
Who it fits
CommunityCare focuses on small group employers, generally those with 50 or fewer enrolled employees. It is a strong fit for a Tulsa-area business whose people already use Saint Francis or Ascension St. John, and whose owner would rather deal with an Oklahoma-based service team than a national call center.
It is a weaker fit if your workforce is spread across several states, or if you have employees in western Oklahoma outside the service area. In those cases a national carrier or a level funded arrangement usually prices and networks better.
What to weigh
- Service area. CommunityCare files a county-level network concentrated in northeastern Oklahoma. Employee home ZIP codes drive whether this works.
- Network depth vs breadth. Coordination inside Saint Francis and Ascension St. John is the selling point. Statewide and out-of-state breadth is not.
- Funding type. CommunityCare small group is fully insured. If you want claims transparency or a surplus-sharing arrangement, compare it against level funded options before deciding.
- Group size. Small group rules and rating differ meaningfully from large group. We will confirm which set applies to you.
Fully insured, and what that means for you
With a fully insured plan the carrier takes the claims risk and you pay a fixed monthly premium. Your cost is predictable and your administrative burden is low. What you give up is visibility - you do not see claims detail, and a good year does not come back to you. Employers who want that visibility should look at level funded plans alongside this.
Common Questions
What size groups does CommunityCare write?
CommunityCare's employer group focus is small group, generally 50 or fewer enrolled employees. Tell us your enrolled headcount and we will confirm eligibility.
Is CommunityCare available statewide for groups?
No. The network is county-level and centered on Tulsa and northeastern Oklahoma. Employees outside the service area are the usual reason a group does not fit.
How does it compare to a level funded plan?
CommunityCare small group is fully insured, so it trades claims transparency for predictability. See our level funded and fully insured comparisons for the detail.
Does CommunityCare offer individual and Medicare plans too?
Yes. See CommunityCare individual and family plans and CommunityCare Medicare Advantage.