Oxford Health Plans

Oxford Health Plans Reviews

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About Oxford Health Plans

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As part of the UnitedHealthcare network, Oxford Health Plans offers health insurance options backed by a rich tradition of industry success. Employers and brokers can choose from four network options to find their best-fit plans. Additional benefits, like its unique Oxford Benefit Management system and fitness reimbursements, are also available.

Pros & Cons

Pros
  • Simple packages
  • Many options
  • Vast provider network
  • Additional benefits
Cons
  • Limited availability
  • Confusing information

What is Oxford Health Plans?

Oxford Health Plans is a part of the UnitedHealthcare network, offering the expertise of UHC in a more simplified and streamlined way to brokers and employers. Its plans include health insurance plans, Medicare, Medicaid and specialty benefits, like dental, vision and life insurance, in a simplified package. These plans are primarily available to employers in New York, New Jersey and Connecticut.

How do Oxford Health Plans work?

Oxford Health Plans works just like any other insurance, where individuals, brokers or employers can choose to add the company’s coverage to their benefits packages. For brokers, this makes selling specialty packages easier. For employers, it simplifies management of multiple options and claims. For members, it stops the headache of juggling several different insurance companies and remembering all their policy information.

Each plan utilizes a network of doctors, hospitals and providers and only pays eligible expenses through these providers. Customers can use their online portal to view local providers that work with their plan.

Oxford health insurance plans

Oxford Health Plans breaks down insurance by type and network. Here are its four main networks:

  • Metro: This plan is available to New York employers and residents and includes 10 plan designs. These are the lowest-price plans available to New York residents.
  • Freedom: This plan is available to New York employers and residents and includes 18 plan designs. It offers the highest level of access to different care across the area.
  • Liberty: This plan is available to New York employers and residents and includes over 12 plan designs. This plan combines the accessibility of a Freedom plan with the lower pricing of a Metro plan.
  • Garden State: This plan is available to New Jersey employers and residents and includes access to over 44,500 physicians and 85 hospitals through the Oxford Metro Network.

Oxford also offers a few additional options for customers, including:

  • Oxford Benefit Management: Oxford Health Plans also has its OBM offerings, which include five types of plans ranging in benefits from Basic to Premier. These plans cover dental, vision and employee life insurance at certain levels.
  • Medicare Advantage: Oxford Medicare Advantage is a Medicare Advantage plan offered by Oxford Health Plans.
  • Medicaid: Oxford Health Plans offers Medicaid plans through AmeriChoice insurance.
  • Additional benefits: Plans may also include additional benefits like online health and wellness tools, fitness reimbursement, health discount programs and more.

How much is Oxford health insurance?

The cost of a health care plan can vary greatly depending on how you receive coverage. For example, if your employer provides it, it may subsidize some of the cost for you in order to make it more affordable. Or, you may have older or more sick individuals on your group plan that make it more expensive. If you are an individual seeking coverage, you can contact Oxford Health Plans for pricing information.

Oxford Health Plans FAQ

Are Oxford and UnitedHealthcare the same?

Oxford Health Plans is a part of the UnitedHealthcare network. While they’re not the same, they do offer very similar benefits and services.

Where is Oxford Health Plans available?

Oxford Health Plans is available in Connecticut, New Jersey and New York. While the coverage area is limited, there are many providers, hospitals and doctors included in the network.

Is Oxford Health Plans Medicaid?

No, but Oxford Health does offer Medicaid plans through AmeriChoice.

Is Oxford Health Plans HMO or PPO?

Oxford Health Plans offers both HMO and PPO insurance options. It also offers dental insurance, Medicare and Medicaid plans.

Is Oxford health insurance good?

As part of the UnitedHealthcare umbrella of providers, which has a long-standing reputation in the health care industry, Oxford Health Plans has good backing. But reviews are mixed, and information about the company is limited. As part of your search for coverage, be sure to get quotes from multiple insurers and read details about individual plans and companies.

Oxford Health Plans Reviews

Stars Rating

  • 18%
  • 16%
  • 7%
  • 47%
  • 12%

Popular Mentions

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    How do I know I can trust these reviews about Oxford Health Plans?
    • 4,464,082 reviews on ConsumerAffairs are verified.
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    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 10
    CoveragePriceOnline & App

    Reviewed June 14, 2024

    I'm on the Oxford Liberty POS through an employer.

    Pros:
    1. The POS plan does not require any pre-authorizations or referrals for preventative and diagnostic care. As long as the service is covered under your plan, some level of coverage is available and getting an appointment.
    2. Out of network coverage. There is some level of reimbursement or coverage for out of network care but it's variable depending on the service, provider, and location.

    3. Inexpensive or no-cost virtual visits (depends on the service provider and what you need).

    Cons:
    1. The UHC website is poorly designed and ~1/3 of the information listed on the website is incorrect such as practices that have gone out of businesses and providers who no longer take the insurance being listed as in-network.

    2. Outside of large metropolitans, few providers in the suburbs and rural parts of the Mid-Atlantic/NE states accept this insurance. Be prepared to venture out 45 minutes to 2 hours to find care if you don't live in Philadelphia, NYC, Albany, Pittsburgh, Boston, Springfield, Newark, Hartford, Utica, Buffalo, Harrisburg, etc.

    3. Outside of diagnostic and preventative care, the plan offers little in terms of medication and treatment coverage. If you need to take medications regularly, physical or occupational therapy, or surgery, be prepared to pay a lot out of pocket. The plan documents even state that it will not cover a variety of services if even they are the only treatment available to keep you alive.

    CoveragePriceStaff

    Reviewed Sept. 9, 2023

    They never stand on the side of the patient. You have to pay everything. They don't prioritize generic medicine. You have to pay for what they choose for you and of course it's branded drugs that cost a lot! It's really the worst health insurance I have had so far!

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      Reviewed Dec. 20, 2019

      I am writing to express my frustration and dismay with how Oxford Health recently handled the care for my daughter, J*. J* has suffered from many breaks to her nose in the past 8 years. Due to this damage, she required a full Septoplasty to correct the structure of her nose and facial bones. Julia suffers from intense headaches, eye pain, facial pain, difficulty breathing and sleep issues. Recently, she has developed throat, ear and neck complications resulting from this damage requiring an ultrasound on her Thyroid, lymph nodes and a plethora of blood tests.

      She visited Dr. ** who established that she had suffered dramatic permanent damage and would require a 4-5 hour surgery to reconstruct the damaged portions of her face. This would also require cadaver rib and cartilage components as hers are nonexistent. We filed the paperwork and it was denied. Further documentation and updates were sent including photos and a letter written by the physician. These were mailed in Monday, December 16 and 17th as they were requested by the insurance. The file was in process for over a month.

      Once all documents were obtained (a second time), the file was put into appeal. The physician requested it be expedited due to the date of surgery being December 23, 2019. This was denied. They requested a peer to peer review. Also denied. This date chosen as J* will need to be monitored for 2 weeks. Time out of work was needed not only for her but for her caregivers as well. Choosing to operate two days before Christmas is certainly not ideal; however, it ensured that Julia would be cared for appropriately. Compounding the situation, J*is a new college graduate with limited time off.

      Both the doctor’s office and I called Oxford daily. We begged that the file simply be reviewed to no avail. There was no concern for not only her pain but also for the time of the professionals who were prepared to care for her medically or those of us who would need to care for her after surgery. The financial constraints were also not a concern. I requested to speak to anyone who could simply review the file so we can move on.

      So, now at 1:30 on December 20, 2019 we have been forced to cancel the surgery and postpone it until Jan simply because Oxford would not even attempt to meet the needs of the patient. This will result in two weeks of unpaid time not only for J* but for her father or me in addition to the cancellation of all medical professionals involved. The added stress and lack of income could have been avoided if Oxford Health had any concern or care for the people who pay for their services.

      This is very disheartening and not acceptable. Your procedures are needed to process claims, this I understand, but to tie the hands of patients and medical teams while not having any process in place to meet their needs is negligent. Perhaps Oxford would like to support our family as we attempt to care for Julia while being unpaid. As part of the ***, I will be sure to elaborate on our situation during negotiations as well as send this letter to every federal, state and local agency involved with the insurance industry. Sincerely, Lauren **.

      PriceStaff

      Reviewed Oct. 2, 2019

      I am an elder on a fixed income... Oxford has become so expensive, when the time comes to renew, I WILL have to look elsewhere. For the most part, I have been pleased with this company, and especially the agent who has been diligent and seems to care about his clients.

      Customer ServiceStaff

      Reviewed May 24, 2019

      I'm paying over $1,000 out of pocket after my doctor called and faxed them herself several times. It's an endurance test with this company. As a member when you call they transfer you from person to another and you spend hours getting nowhere. Worst health insurance company I've ever used. I'm on their best plan and still get treated like garbage. Go back to Blue Cross.

      Price

      Reviewed April 17, 2019

      I signed on United Health/Oxford about 6 months ago. The Pharma part of the plan is Optum/Rx. In going to the pharmacy to fill a script for medication, I found I was only limited to 4 pills, whether generic or brand. My doctor has for the last several years had prescribed 18. All I got was, sorry that is the allowance. I also found that Optum charges more for the pills, whether generic or brand, than the pharmacy did. I also found out there is a class action lawsuit against them for this very reason. It. Is very upsetting to know I am paying premiums and getting ripped off.

      Coverage

      Reviewed May 7, 2017

      This health insurance is the worst... I have type one and they use to allow me my insulin, now they want document of having allergy to **. I have to use **, I had reactions to all of insulin. Today I still can't get approval for ** even though I use to get it from them. Today I need blood sticks to check my sugar. I can't have them. I have to wait until Monday. They are playing with someone life. They refuse to continue my Dexcom meter even though I've had it and it's made for type one. Now I am back to old days of setting alarm couple times a night to check my sugar levels. This needs to stop, we need to make drug companies need to be cap. Not having CEO make million and half while deny us medicine. This is sick.

      Reviewed March 13, 2010

      I obtained health coverage on May 22, 2009, Insurance coverage started as of June 1, 2009. Shortly after coverage started, I made a doctor appointment to look into birth control and was informed at that time that I was already in the first stages of pregnancy. On June 22, 2009, I received a letter of approval for my cesarean delivery at Newton Memorial Hospital from Oxford.

      In October 2009, my doctor informed me that as of January 1, 2010, she would no longer be delivering babies. I was therefore forced to find another doctor for the delivery. On January 16, 2010, two days prior to my scheduled delivery, I received a letter from Oxford informing me I was not covered due to a pre-existing condition. Oxford's own information on coverage states that "A pre existing condition is one that has been previously given advice, diagnosis, care or treatment was recommended or received within the six months prior to your ‘enrollment date’, as defined in your certificate of coverage."

      I have already filled an appeal with them that was denied, I am sending a second appeal. I do not know how they can approve the treatment and lead me to believe that everything is covered and then right before I have the child, tell me that I’m not covered. I need help to know what I can do from here to get this rectified. Please help. I now have approx $65,000 in medical bills. I am concerned about this going on to my credit report because I am trying to look for a house and if these bill show up on my credit report, I will not be able to qualify for a mortgage. This whole situation has caused much stress and aggravation for me and my children. I believe Oxford is just trying to get out of paying for the medical bills. I have documentation for everything that I have stated here.

      Reviewed March 8, 2010

      My mother was ill. She was three years post breast cancer, stage 3. She developed complications which lead all her doctors to believe she had lung cancer. Several tests were ordered by her thoracic surgeon Eric Presser, one of them a PET scan of the Brain. These tests were ordered with supporting documentation for medical necessity. All were approved with the exception of the brain scan. It was concluded my mother had lung cancer and a lower right lung lobectomy was scheduled and performed.

      As a result of the surgery my mother developed DVTs, which traveled to her lungs, compromising her heart. She also developed neuropathy in her right leg, which led to a return through the ER to Mort Short University in Manhasset. Where a scan of her brain was performed and a brain tumor and a "bleed" were found. This brain tumor did not developed as per the doctors in two weeks. After a long struggle on March 3rd, my mother passed away from complications of the results of the surgery, combined with the cancer.

      My mother was my two sisters surviving parent. We completely understand the unpredictability of cancer and its effects on the human body, however, if our mother was aware of the brain tumor which caused the quality of her last days on this earth to be unnecessarily compromised, as we understand she still had the cancer, we believe her choice of care and the quality of her last days would have been just that, her choice, not the medical community's choice. And she would not have suffered, unnecessarily the way she did.

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      Oxford Health Plans Company Information

      Company Name:
      Oxford Health Plans
      Website:
      www.oxhp.com