Oxford Health Plans is a comprehensive health insurance organization that provides options for small and large groups. The company maintains an expanded network that offers a range of affordable plans. Founded in 1984, with corporate headquarters based in Trumbull, Connecticut, the majority of Oxford's approximately 1.6 million customer base resides in New Jersey, New York, Delaware, Pennsylvania, and Connecticut. Oxford Benefit Management falls under the Oxford Health umbrella and in 2004, the company merged with UnitedHealthcare. With the exception of Medicare supplemental policies, Oxford Health Plans does not provide family or individual health insurance plans.

Oxford Health Plans

As a managed care company, Oxford has earned a reputation for quality, flexibility, and consumer satisfaction. Health offerings range from Health Maintenance Organizations (HMO) to Preferred Provider Organizations (PPO) to Medigap insurance. Standard in-network benefits include non-referred OB/GYN access, fitness incentives and reimbursements, alternative medical visits, and low prescription co-payments.

• Freedom and Liberty Plans - The backbone of Oxford's HMO network, these are less-flexible programs that provide only in-network services and require Primary Care Physician (PCP) referral to specialists (excluding OB/GYN).
  
  
• Select/Freedom and Select/Liberty - These flexible plans do not require PCP referrals for specialist care.
  
  
• Freedom Plan Access and Liberty Plan Access - These adaptable plans allow for an even greater range of health care opportunities. Benefits include no referral needed for in-network specialists, option for out-of-network care, and multi-prescription drug availability.
  
  
• Oxford Consumer Options Suite - These plans provide fixed-fee benefits for employers while offering employees a customizable broad-based selection at different pricing levels to suit their needs. There are three Freedom categories: Access, Direct, and Classic.
  
  
• Oxford USA Program - 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. As part of Oxford USA enrollment, members outside the core benefit area receive guaranteed quality service and seamless transactions.
  
  
• Supplemental Insurance for Medicare - These plans include Oxford Medicare Advantage Essential, Oxford Medicare Advantage Signature, Oxford Medicare Advantage Balance, Oxford Medicare Advantage Mosaic, and Oxford Medicare Advantage Select. While the Medicare supplemental plans are not available in all of the core areas, they do provide varying levels of coverage that are directly suited to member needs.
  
  
• Medicare - Oxford's Medicare policies carry the basic benefits that are required by law. In addition, with the exception of the Essential level, these plans include Medicare Prescription Drug (Part D) coverage at no extra charge. All plans include dental and foot care, as well as free membership at fitness facilities.
  
  
• The Healthy Bonus Program - Featuring discounts and savings on senior- related products such as therapeutic equipment; health books and videos; and diabetic items, this program supplements Medicare coverage, and aims to promote healthy living and active preventive care.