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ARTICLE New York


Important Notices for New York Health Plans

Small Business Plan Guide

Groups of 1 to 50

Medical – UnitedHealthcare

Medical – Oxford

  • Oxford plans are available in Ulster, Sullivan, Dutchess, Orange, Putnam, Rockland, Westchester, Bronx, New York, Queens, Kings, Richmond, Nassau and Suffolk Counties
  • Freedom Plan® PPO
    Our Freedom Plan PPO products offer combined in- and out-of-network coverage, do not require referrals for specialist visits and include an in-network deductible and coinsurance. This plan is offered with the Freedom Network but also provides access to the national UnitedHealthcare Choice Plus Network when outside the Oxford service area.
  • Liberty PlanSM PPO
    Our Liberty Plan PPO products offer combined in- and out-of-network coverage, do not require referrals for specialist visits and include an in-network deductible and coinsurance. This plan is offered with the Liberty Network but also provides 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.
  • Liberty PlanSM Gated PPO
    Our Liberty Plan Gated PPO products offer combined in- and out-of-network coverage and a referral for specialist visits. This plan is offered with the Liberty Network but also provides access to the national UnitedHealthcare Choice Plus Network when outside the Oxford service area.
  • Liberty PlanSM Gated EPO
    Our Liberty Plan Gated EPO is an in-network only product and requires a referral for specialist visits. This plan is offered with the Liberty Network but also provides 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.
  • 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 your deductible, or save it for future expenses. Referrals are not required for specialist visits.
  • LibertySM HMO
    The Liberty HMO is a great option for those who like to stay in-network and have their care coordinated by a primary care physician (PCP). Liberty HMO plans allow members to receive covered services from the in-network primary care physician of their choice. Members are required to obtain a referral for specialist visits.

Dental

Vision

Life Insurance

Disability

Groups of 51 to 99

Medical

Dental

Vision

Life Insurance

Disability

Groups of 100 to 5,000

Medical

Dental

Vision

Life Insurance

Disability

Groups larger than 5,000

Medical

Dental

Vision

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