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ARTICLE New Jersey


Small Business Plan Guide

Groups of 1 to 50

Medical

  • Oxford® PPO Flex (Freedom Network/Liberty Network)
    Our Oxford PPO Flex products offer combined in- and out-of-network coverage and do not require a referral for specialist visits. These plans are offered with both the Freedom Network and the Liberty Network but also provide access to the national UnitedHealthcare Choice Plus Network when outside the Oxford service area.
  • Oxford® EPO (Freedom Network/Liberty Network)
    The Oxford EPO is an in-network only product and can be purchased with either the Freedom Network or the Liberty Network. These plans do not require a referral for specialist visits and provide access to the national UnitedHealthcare Choice Plus Network when outside the Oxford service area.
  • Oxford® PPO HSA (Freedom Network/Liberty Network)
    The Oxford PPO HSA is a consumer-driven health plan that is made up of two parts: a high deductible health plan and a Health Savings Account (HSA). With this plan, members can open and deposit money, before taxes, into an HSA, which is their own personal savings account. Members can use the money to pay for eligible medical and pharmacy expenses, including their deductible, or save it for future expenses. This plan also gives members the choice to go in- or out-of-network for care, and referrals are not required for specialist visits.
  • Oxford® Gated EPO (Freedom Network/Liberty Network)
    The Oxford Gated EPO is an in-network only product and can be purchased with either the Freedom Network or the Liberty Network. These plans do not require a referral for specialist visits and provide access to the national UnitedHealthcare Choice Plus Network when outside the Oxford service area.
  • Primary AdvantageSM (Liberty Network)
    Primary Advantage is an in-network only product that puts an emphasis on benefits where health care encounters are most prevalent: preventive care, services provided by a primary care physician (PCP) or OB/GYN, and Tier 1 prescription drugs, which are available through low copayments and not subject to a deductible. If a higher level of care is required, Primary Advantage provides members access to comprehensive coverage through a vast network of specialists and hospitals. These services are subject to a deductible; however, once the deductible has been met, benefits are covered through clearly defined copayments, a feature designed to add predictability to health care spending.
  • Oxford® EPO HSA (Freedom Network/Liberty Network)
    The Oxford EPO HSA is an in-network only consumer-driven health plan that is made up of two parts: a high deductible health plan and a Health Savings Account (HSA). With this plan, members can open and deposit money, before taxes, into an HSA, which is their own personal savings account. Members can use the money to pay for eligible medical and pharmacy expenses, including their deductible, or save it for future expenses. Referrals are not required for specialist visits.

Dental

Vision

Life Insurance

Disability

Groups of 51 to 99

Medical

Dental

Vision

Life Insurance

Disability

Critical Illness

Accident Insurance

Groups of 100 to 5,000

Medical

Dental

Vision

Life Insurance

Disability

Critical Illness

Accident Insurance

Groups larger than 5,000

Medical

Dental

Vision

Critical Illness

Accident Insurance

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