If you have any questions about any of the plans, please feel free to call us at (914) 948-2110.

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#1 Oxford Freedom (POS) - 25-40/250/G

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This policy is a POS (Point of Service) plan with in & out of network coverage, & referrals are required. There is an out of network deductible of $1,000 (single) & $3,000 (family) with a 70% co-insurance. There is a $25 primary & $40 specialist office visit co-pay. The in-patient hospital is a $250 per day ($1,250 per calendar year max), & emergency room visits are a $75 co-pay. The prescription drug card is 10/25/50 with a $50 deductible.

#2 Oxford Freedom (POS) - 30-50/500/NG

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This policy is a POS (Point of Service) plan with in & out of network coverage & no referrals needed. There is an out of network deductible of $3,000 (single) & $9,000 (family) with a 70% co-insurance. This plan has a $30 primary & $50 specialist office visit co-pay. In-patient hospital is $500 per admission, & emergency room visits are a $150 co-pay. The prescription drug card is 15/30/60 with a $100 deductible and a $3,000 maximum.

#3 Oxford Freedom (HSA) - E 3/100%/NG

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This policy is an HSA (Health Saving Account) with no out of network coverage, no referrals needed. There is a $2,850 (single) and a $5,700 (family) in-network deductible with a 100% coinsurance. Primary office visits, specialist office visits, in-patient hospital, & emergency room visits are all covered 100% after meeting the deductible. There is a 10/25/50 prescription drug card that is subject to the deductible.

#4 Oxford Freedom (HSA) - 15-25/100/G

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This policy is an HSA (Health Savings Account) with no out of network coverage, referrals needed. There is a $1250 (single) & a $2500 (family) in network deductible with a 100% coinsurance. Primary office visits, specialist office visits, in-patient hospital, & emergency room visits are all covered 100% after meeting the deductible. There is a 10/25/50 prescription drug card that is subject to the deductible.

#5 Oxford Liberty (EPO) - 25-50/300/NG

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This policy is an EPO (Exclusive Provider Organization) with no out of network coverage, no referrals needed. There is a $25 primary & a $50 specialist office visit co-pay. In-patient hospital visits have a $300 co-pay per day, 5 days max per calendar year. There is a 10/25/50 prescription drug card with a $50 deductible.

#6 Oxford Liberty (HMO)

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This policy is an HMO (Health Maintenance Organization) plan with in network coverage only, & referrals are required. It has a $30 primary & $50 specialist office visit co-pay. In-patient hospital visits have a $500 co-pay and there is a $150 co-pay for emergency room visits. The prescription coverage is 15/35/75 with a $100 deductible.

#7 Oxford Liberty Direct (POSc) - 90/10/500/NG

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This policy is a POS (Point of Service) cost share plan (with in & out of network deductibles). The plan has in & out of network coverage, & no referrals needed. There is an in-network deductible of $500 (single) & $1,000 (family) with a 90% co-insurance. Primary & specialist office visits, in-patient hospital stays & emergency room visits are all covered at 90% after deductible for in-network doctors. The prescription drug card is 15/30/60 with a $100 deductible and a $3,000 maximum.

#8 Oxford Freedom Metro (POSc) - Option #8

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This policy is a POS (Point of Service) cost share plan (it has in & out of network deductibles) with in & out of network coverage, & no referrals needed. There is an in-network deductible of $1,000 (single) & $2,000 (family) with a 100% co-insurance. There is a $25 primary & $40 specialist office visit co-pay. With the in-patient hospital you must meet the deductible & co-insurance. The plan has $100 emergency room co-pay and the prescription drug card is 15/30/60 with a $100 deductible and a $3,000 maximum.

#9 Oxford Freedom Metro (EPO) - Option #9

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This plan is an EPO (Exclusive Provider Organization) with no out of network coverage, & no referrals needed. There is a $20 primary & a $40 specialist office visit co-pay. The hospital co-pay is $200 with a $75 emergency room co-pay and the prescription drug card is 10/25/50 with a $100 deductible.

#10 Oxford Freedom Metro (EPO) - Option #10

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This policy is an EPO (Exclusive Provider Organization) with no out of network coverage, no referrals needed. There is $25 primary & a $50 specialist office visit co-pay. In-patient hospital visits have a $300 co-pay per day, 5 days maximum per calendar year. There is a 15/30/60 prescription drug card with a $100 deductible and a $3,000 maximum.

#11 Oxford Freedom Metro (EPO) - 25-50/300/NG

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This policy is an EPO (Exclusive Provider Organization) with no out of network coverage, & no referrals needed. This plan has a $25 primary & a $50 specialist office visit co-pay. The hospital co-pay is $300 per day up to 5 days max per calendar year with a $75 emergency room co-pay. The prescription drug card is 10/25/50 with a $100 deductible.