Health insurance is a vital part of staying healthy, and Oxford United Healthcare offers robust options for residents in select states. As a subsidiary of UnitedHealth Group, Oxford provides a range of plans tailored to individuals, families, and businesses.
This article explores Oxford United Healthcare’s plans, benefits, and unique features in 2025, using simple language. Whether you’re in New York, New Jersey, or Connecticut, we’ll help you understand what Oxford offers.
What Is Oxford United Healthcare?
Oxford United Healthcare is a division of UnitedHealth Group, focusing on health insurance in New York, New Jersey, and Connecticut. Founded in 1984, Oxford merged with UnitedHealthcare in 2004, combining local expertise with national resources. It serves about 1.6 million members with a network of over 73,000 physicians and 104,000 care locations. Oxford is known for flexible plans and no-referral specialist access.
Oxford offers various plan types, including HMO, PPO, EPO, and POS plans. These cater to small businesses, individuals, and families, with options like Medicare and Medicaid. The company emphasizes quality care and affordability. Its plans are designed to meet diverse healthcare needs.
Types of Oxford United Healthcare Plans
Oxford United Healthcare provides several plan types to suit different needs. Health Maintenance Organization (HMO) plans require in-network providers and a primary care physician (PCP).
Preferred Provider Organization (PPO) plans offer more flexibility, covering out-of-network care at a higher cost. Exclusive Provider Organization (EPO) plans are similar to HMOs but don’t require referrals.
Point of Service (POS) plans, like Freedom and Liberty, blend HMO and PPO features. Oxford also offers Health Savings Account (HSA) plans for tax advantages. Each plan type balances cost, flexibility, and access to care.
Network Options: Freedom, Liberty, and Metro
Oxford United Healthcare operates three main networks: Freedom, Liberty, and Metro. The Freedom Network is the largest, offering access to the UnitedHealthcare Choice Plus network nationwide. The Liberty Network provides regional coverage in the tri-state area with national access via UnitedHealthcare Core. The Metro Network, introduced in 2016, is the smallest and most affordable, covering New York and New Jersey.
Each network varies in provider participation and cost. Freedom plans are the most comprehensive but expensive, while Metro plans are budget-friendly. Members can check network providers on myuhc.com or oxhp.com.
Key Features of Oxford Plans
Oxford United Healthcare plans are designed for flexibility and member convenience. A standout feature is no requirement for referrals to see specialists, unlike many HMOs. Plans cover essential benefits like preventive care, prescription drugs, and mental health services. In 2025, all plans include virtual primary care visits at no cost.
Oxford emphasizes preventive care, covering annual checkups and screenings at 100%. Many plans offer $0 copays for preferred prescriptions, like insulin. Members also get access to wellness programs, such as UnitedHealthcare Rewards.
Here are some key features:
- No specialist referrals needed
- $0 copays for select prescriptions
- Virtual primary care included
- Access to wellness and fitness programs
Oxford Benefit Management (OBM)
Oxford Benefit Management (OBM) bundles specialty benefits like dental, vision, and life insurance. These are separate from medical plans and available to employers in select states. OBM plans cover preventive dental care at 100%, with basic and major services at 50-80%. Vision plans include eye exams and glasses discounts.
OBM simplifies benefits for small businesses, offering customizable packages. However, not all plans are available in every state. Check with Oxford Client Services at 1-888-201-4216 for availability.
Medicare and Medicaid Options
Oxford United Healthcare offers Medicare Advantage plans in the tri-state area. These plans combine Medicare Parts A and B, often including dental, vision, and prescription drug coverage.
In 2025, Oxford’s Medicare plans cover 96% of eligible counties, with extras like Renew Active fitness memberships. Medicaid plans are available in select regions, focusing on low-income individuals and families.
Medicare Advantage plans feature low copays and no deductibles for many services. Members can access a large network of providers, including NYC Health + Hospitals. Always confirm coverage details with your plan’s Summary of Benefits.
Coverage Areas and Provider Network
Oxford United Healthcare primarily serves New York, New Jersey, and Connecticut. Downstate New York coverage includes Manhattan, Brooklyn, and Long Island. Upstate areas like Westchester and Orange County are also covered.
The Freedom and Liberty networks extend nationally via UnitedHealthcare’s Choice Plus and Core networks.
The provider network includes over 73,000 physicians and 104,000 care locations, such as NYC Health + Hospitals and Stony Brook Medicine. Use oxhp.com to find in-network providers. In 2025, some contracts, like Stony Brook Medicine’s, may expire, so check provider status.
Costs and Premiums in 2025
Oxford United Healthcare plan costs vary by type and network. Metro plans have the lowest premiums, starting around $400 monthly for individuals, while Freedom plans can exceed $600. Copays range from $5 for dependent children’s PCP visits to $50 for specialists. Many plans have no deductibles for in-network care.
Prescription drug coverage uses the Standard Select Pharmacy Network, including major chains like Walgreens. Out-of-pocket maximums, typically $7,000-$9,000, protect against high costs. Contact Oxford Client Services for exact pricing.
Here’s a sample cost breakdown for a 2025 Oxford Metro EPO plan:
| Service | Cost | Details |
|---|---|---|
| Primary Care Visit | $15-$25 copay | No deductible, in-network only |
| Specialist Visit | $40-$50 copay | No referral needed, in-network only |
| Preventive Care | $0 | Includes checkups, screenings |
| Prescription Drugs | $5-$50 copay | Varies by tier, Standard Select Network |
Enrollment Process
Enrolling in Oxford United Healthcare plans is straightforward. Individuals can sign up through HealthCare.gov during Open Enrollment (November 1-January 15). Small businesses can contact a broker or call Oxford Client Services at 1-888-201-4216. Medicare Advantage enrollment occurs during Medicare’s Open Enrollment (October 15-December 7).
Check your plan’s network and service area before enrolling. Use myuhc.com to compare plans and estimate costs. Employers can access quoting tools on uhceservices.com for group plans.
Managing Your Oxford Plan
Once enrolled, members receive an ID card with either the UnitedHealthcare Choice Plus or Core logo. Use myuhc.com or oxhp.com to manage your plan, find providers, or check claims. The UnitedHealthcare app offers virtual visits and 24/7 support. Update your contact details to receive important documents.
For issues like pre-authorizations or claims, contact United Healthcare at 1-800-273-8115. Some services, like addiction treatment, require pre-authorization. Keep your member ID handy for faster service.
Wellness and Fitness Benefits
Oxford United Healthcare plans include wellness programs to promote health. UnitedHealthcare Rewards lets members earn up to $300 annually for activities like walking or wellness visits. Some plans offer a one-year Peloton App membership through June 2025. Renew Active, for Medicare members, provides free gym access and online workouts.
These programs encourage physical and mental health. Members can track activities via fitness devices integrated with the UnitedHealthcare app. Check your plan for specific wellness benefits.
Challenges and Considerations
Oxford plans have limitations. The Metro Network, while affordable, has fewer providers than Freedom or Liberty. In 2025, some providers, like Stony Brook Medicine, may become out-of-network after June 1, affecting coverage. Out-of-network care is costly unless your plan includes such benefits.
Some members report high premiums compared to competitors. A 2025 review noted Oxford’s single-digit rate increases but cited affordability concerns. Always review your Certificate of Coverage for exclusions and limits.
Recent Updates for 2025
In 2025, Oxford United Healthcare introduced several updates. All small group plans include vision benefits and $0 copays for preferred prescriptions, like insulin. Behavioral health services now have PCP-level copays, reducing costs. The Metro Network expanded in New Jersey, adding more providers.
However, contract expirations, like with Stony Brook Medicine, may disrupt access. Check provider status on oxhp.com before scheduling care. Oxford extended some contracts to July 7, 2025, to finalize new agreements.
Why Choose Oxford United Healthcare?
Oxford United Healthcare stands out for its large network and flexible plans. The no-referral policy for specialists saves time and hassle. With 1.6 million members and a 4.5/5 NCQA rating for Connecticut plans, Oxford is a trusted choice. Its integration with UnitedHealthcare’s resources ensures broad access.
The focus on preventive care and wellness programs supports long-term health. Tools like myuhc.com and the UnitedHealthcare app make plan management easy. Oxford is ideal for those in the tri-state area seeking comprehensive coverage.
Summary
Oxford United Healthcare, a UnitedHealth Group subsidiary, offers HMO, PPO, EPO, and POS plans in New York, New Jersey, and Connecticut.
With networks like Freedom, Liberty, and Metro, it serves 1.6 million members with access to 73,000 providers. Plans feature no-referral specialist visits, $0 copays for preventive care, and wellness programs like UnitedHealthcare Rewards.
Medicare Advantage and OBM plans add dental and vision benefits. While affordable, network limitations and potential provider contract expirations in 2025 require careful planning. Use myuhc.com to maximize your benefits.
FAQ
What is Oxford United Healthcare?
Oxford United Healthcare is a division of UnitedHealth Group offering health insurance in New York, New Jersey, and Connecticut. It provides HMO, PPO, EPO, and POS plans with a network of 73,000 providers. Plans include wellness benefits and no-referral specialist access.
What networks does Oxford United Healthcare offer?
Oxford offers three networks: Freedom (largest, national access), Liberty (regional with national coverage), and Metro (smallest, most affordable). Each varies in provider participation and cost. Check providers on myuhc.com or oxhp.com.
Does Oxford United Healthcare cover dental and vision?
Yes, through Oxford Benefit Management (OBM), which bundles dental, vision, and life insurance. Preventive dental care is covered at 100%, and vision plans include eye exams. Not all plans offer OBM, so confirm availability.
How do I enroll in an Oxford United Healthcare plan?
Enroll through HealthCare.gov for individual plans, a broker for small business plans, or during Medicare Open Enrollment for Advantage plans. Call 1-888-201-4216 for assistance. Check plan details on myuhc.com before signing up.
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