Who can join?
OQHRA members and their families who buy their own coverage: owners, trainers, breeders, jockeys, exercise riders, grooms and farm staff, including people who are not eligible for an employer plan. This page and its pricing are here for the OQHRA community.
Is this an OQHRA group plan?
No. Coverage is individual. Each person joins on their own, picks their own plan, and pays their own monthly amount. OQHRA makes the program available to its members and does not sponsor or administer benefits.
When can I sign up?
Any month. Becoming a member is a qualifying event, so you don't have to wait for open enrollment. Most people are covered within a few days of signing up.
Can I add my spouse or kids?
Yes. Family pricing is shown at plan selection, based on each person's age.
Can I keep my doctor?
Most likely. Cigna PPO and PHCS are both national networks. You can search for your doctors during onboarding, before you pick a plan, and again any time in the app.
Can I use it when I am on the road at another track?
Yes. Cigna PPO and PHCS are national networks, so you can see an in-network doctor in any state without a referral, whether you are stabled at Remington Park, Will Rogers Downs or Fair Meadows or running out of state, and the app finds in-network care wherever you are. Use the Have questions button on this page and a real person from Molli will reply within one business day.
What does it actually cost?
Major medical is priced by age and ZIP code and shown before you commit. Click Calculate my rate, enter your ZIP and date of birth, and you see your real price in about a minute. MEC is $70 a month and MEC Plus is $125 a month at every age.
