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Connecticut Group Health Insurance

Small Business Plan Guides

Groups of 1 to 50

  • Freedom Plan Value Option HMO
    This plan offers in-network only coverage and does not require a referral for specialist visits. The deductible on these plans applies to the inpatient facility charges only. Members enrolled in the Freedom Plan Value Option also have access to the national UnitedHealthcare Choice Plus Network when outside the Oxford service area.
  • 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. These plans also provide access to the national UnitedHealthcare Choice Plus Network when outside the Oxford service area.
  • Freedom Plan® Value Option
    Our Freedom Plan Value Option plans offer combined in- and out-of-network coverage, and do not require a referral for specialist visits. The deductible on these plans applies to the inpatient facility charges only. Members enrolled in the Freedom Plan Value Option also have access to the national UnitedHealthcare Choice Plus Network when outside the Oxford service area.
  • Oxford® HSA PPO
    The Oxford HSA PPO is a consumer-driven health plan made up of two parts: a high deductible health plan and an optional Health Savings Account (HSA). With this plan, members are eligible to open a HSA and deposit money, before taxes, 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. Some plans offer office and facility copayments after the deductible.
  • Oxford Gated HMO
    This plan allows members to receive services from the participating PCP of their choice and requires a referral for specialist visits. 
  • Oxford® Non-Gated HMO HSA 
    Oxford Non-Gated HMO HSA plans provide an opportunity to groups who are comfortable within network only plans and enjoy the associated premium savings. This traditional HMO plan is compatible with a Health Savings Account where 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. Members enrolled in the Oxford Non-Gated HMO HSA are not required to obtain a referral for specialist visits.
  • Oxford® HMO HSA 
    Oxford HMO HSA plans are a great choice for those who like to stay in-network and have their care coordinated by a primary care physician (PCP). This plan couples a traditional HMO with an optional 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. Members enrolled in the Oxford HMO HSA are required to obtain a referral for specialist visits.
  • Primary AdvantageSM (Non-Gated)
    Primary Advantage (Non-Gated) 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. A referral is not required for specialist visits.
  • Primary Advantage (Gated)
    We also offer a Primary Advantage plan with a gatekeeper, meaning that a referral is required to seek care from a specialist. All other benefits and features are the same as our Non-Gated Primary Advantage plan.
  • UnitedHealthcare Choice Plus
    This is a traditional health plan with copayments, coinsurance and deductibles. Members have the freedom to see any doctor and visit any facility in our nationwide network, including specialists, without a referral and without choosing a primary care doctor. Members can choose services outside our network, but their payments will be higher.
  • UnitedHealthcare HSA
    This consumer-driven health plan 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. Members have the freedom to see any doctor and visit any facility in our nationwide network, including specialists, without a referral and without choosing a primary care doctor. Members can choose services outside our network, but their payments will be higher.
  • UnitedHealthcare Choice Plus Advanced
    These are open access plans that encourage members to seek care from certain providers and facilities to get the most value for their health care dollars. Choice Plus Advanced plans offer access to our national UnitedHealthcare provider network while also providing out-of-network coverage. By making informed decisions about the facilities they choose, members can save money by going to certain network providers, facilities and hospitals that are less expensive and still deliver the same quality care as other network providers. Members can choose services outside our network, but their payments will be higher.

Groups of 51 to 99

  • Freedom Plan Value Option HMO
    This plan offers in-network only coverage and does not require a referral for specialist visits. The deductible on these plans applies to the inpatient facility charges only. Members enrolled in the Freedom Plan Value Option also have access to the national UnitedHealthcare Choice Plus Network when outside the Oxford service area.
  • 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. These plans also provide access to the national UnitedHealthcare Choice Plus Network when outside the Oxford service area.
  • Freedom Plan® Value Option
    Our Freedom Plan Value Option plans offer combined in- and out-of-network coverage, and do not require a referral for specialist visits. The deductible on these plans applies to the inpatient facility charges only. Members enrolled in the Freedom Plan Value Option also have access to the national UnitedHealthcare Choice Plus Network when outside the Oxford service area.
  • Oxford® HSA PPO
    The Oxford HSA PPO is a consumer-driven health plan made up of two parts: a high deductible health plan and an optional Health Savings Account (HSA). With this plan, members are eligible to open a HSA and deposit money, before taxes, 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. Some plans offer office and facility copayments after the deductible.
  • Oxford Gated HMO
    This plan allows members to receive services from the participating PCP of their choice and requires a referral for specialist visits. 
  • Oxford® Non-Gated HMO HSA 
    Oxford Non-Gated HMO HSA plans provide an opportunity to groups who are comfortable within network only plans and enjoy the associated premium savings. This traditional HMO plan is compatible with a Health Savings Account where 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. Members enrolled in the Oxford Non-Gated HMO HSA are not required to obtain a referral for specialist visits.
  • Oxford® HMO HSA 
    Oxford HMO HSA plans are a great choice for those who like to stay in-network and have their care coordinated by a primary care physician (PCP). This plan couples a traditional HMO with an optional 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. Members enrolled in the Oxford HMO HSA are required to obtain a referral for specialist visits.
  • Primary AdvantageSM (Non-Gated)
    Primary Advantage (Non-Gated) 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. A referral is not required for specialist visits.
  • Primary Advantage (Gated)
    We also offer a Primary Advantage plan with a gatekeeper, meaning that a referral is required to seek care from a specialist. All other benefits and features are the same as our Non-Gated Primary Advantage plan.
  • UnitedHealthcare Choice Plus
    This is a traditional health plan with copayments, coinsurance and deductibles. Members have the freedom to see any doctor and visit any facility in our nationwide network, including specialists, without a referral and without choosing a primary care doctor. Members can choose services outside our network, but their payments will be higher.
  • UnitedHealthcare HSA
    This consumer-driven health plan 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. Members have the freedom to see any doctor and visit any facility in our nationwide network, including specialists, without a referral and without choosing a primary care doctor. Members can choose services outside our network, but their payments will be higher.
  • UnitedHealthcare Choice Plus Advanced
    These are open access plans that encourage members to seek care from certain providers and facilities to get the most value for their health care dollars. Choice Plus Advanced plans offer access to our national UnitedHealthcare provider network while also providing out-of-network coverage. By making informed decisions about the facilities they choose, members can save money by going to certain network providers, facilities and hospitals that are less expensive and still deliver the same quality care as other network providers. Members can choose services outside our network, but their payments will be higher.

Groups of 100 to 5,000

Groups larger than 5,000

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