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Oxford Health Plans

Founded in1984, Oxford Health Plans, Inc. has its corporate headquarters based in Trumbull, Connecticut. It is a comprehensive health insurance organization, which provides attractive plans for both large and small groups. The company boasts of about 1.6 million customers who live in New Jersey, New York, Delaware, Pennsylvania, and Connecticut. Under the umbrella of Oxford Health is Oxford Benefit Management. The organization in 2004 also merged with UnitedHealthcare. It is the usual practice for Oxford Health Plans not to offer family or individual health insurance. However, the company makes an exception in the case of Medicare supplemental policies. It has already made a name for itself as a managed care company as far as quality, flexibility, and consumer satisfaction are concerned.

Oxford offers a number of health plans ranging from health maintenance organizations (HMOs) to preferred provider organizations (PPOs) to Medigap insurance. The company’s standard in-network benefits include non-referred OB/GYN access, fitness incentives and reimbursements, alternative medical visits, and low prescription co-payments. Let us have a look at some of these plans.

Freedom and Liberty plans: These plans form the backbone of Oxford's HMO network. Along with HMO Laurel, that is offered in Connecticut only, these plans provide: in-network services only, required co-payments, and primary-physician referral to specialists (excluding OB/GYN). The Select/Freedom and Select/Liberty plans, however, offer more flexibility. You do not need any referral if you want to see a specialist. In Connecticut, one does not have to sign up with a primary care doctor. Oxford’s “Freedom Plan Access” and “Liberty Plan Access” offer a wider range of health care opportunities. Among their benefits are no need for referral for in-network specialists, option for out-of-network care, and multi-prescription drug availability.

Oxford Consumer Options Suite: With this option, employees can choose and customize individual plans to suit their requirements. These can be divided into three Freedom categories: Access, Direct, and Classic. This provides fixed-fee benefits for an employer while giving employees a broad-based selection at different pricing levels.

Oxford USA Program: Suitable for large employers with multiple operations outside of the network, the program allows coverage for all employees, regardless of their location through a nationwide affiliation with First Health Group Corporation. Members outside the core benefit area can still get guaranteed quality service and seamless transactions including the coast-to-coast provider network through brokers and the Oxford Web site.

Supplemental Insurance for Medicare: These supplemental plans include Oxford Medicare Advantage Essential, Oxford Medicare Advantage Signature, Oxford Medicare Advantage Balance, Oxford Medicare Advantage Mosaic, and Oxford Medicare Advantage Select. Although the Medicare supplemental plans are not available in every core area, one can still get varying levels of coverage that are directly suited to his or her needs.

Medicare: These plans offer the basic benefits that are required by law. Excluding the Essential level, they also include Medicare Prescription Drug (Part D) coverage at no extra charge. Included in all plans are dental and foot care, as well as free membership at fitness facilities.

The Healthy Bonus Program: It features discounts and savings on senior-related products such as therapeutic equipment, health books and videos, and diabetic items. Its objective is to promote healthy living and active preventative care. These benefits are available in addition to Medicare coverage.


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