Oxford – Health Insurance Overview
Oxford Health is one of the many companies under the United Healthcare umbrella. This company offers health insurance to individuals and employers in several states, including New York, New Jersey, Pennsylvania, Connecticut, and Delaware. Options include traditional indemnity plans, an HMO, and a PPO. Each type has advantages and disadvantages that you will need to look at before making your decision. Oxford has a reputation for superior customer service and complete health coverage. The company also offers a large network within its service area. If you decide that Oxford is right for you, visit the website or contact an insurance agent.
The Individual Liberty PPO is the best choice for those who want to take advantage of the many benefits offered by a Preferred Provider Organization. If you enroll in this type of plan, you will not need to choose a Primary Care Physician. You will not need a referral to see a specialist, and you can visit hospitals and doctors outside the network without losing your coverage. PPOs do have some drawbacks, however. Their freedom is balanced by higher deductibles and maximum out-of-pocket expenses. You might also have to pay a high co-insurance depending on which type you choose. Oxford offers several different choices to fit your medical needs.
Oxford's Liberty Personal HMO costs much less than the Liberty PPO plan. An HMO, or health maintenance organization, provides low-cost healthcare to members by restricting access to doctors and limiting coverage outside the network. You will need to choose a Primary Care Physician. He or she will oversee your medical needs and act as a gatekeeper. If you need to see a specialist, you will need to get a referral from your doctor first. This can be frustrating for those who are used to the greater freedom offered by other types of health insurance plans. The low cost is often worth the loss of autonomy, however.
Oxford also offers several other plans including Medicare and POS (Point of Service) options. You will need to talk to an Oxford agent or insurance broker to decide which plan is best for you. In general, if you only care about cost, an HMO is the better choice. Similarly, if you can not stand the inability to see a specialist without consulting your doctor, choose a PPO instead. Neither choice is truly better than the other. The only difference is which type is best suited to your medical situation and personal preferences.
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