Oxbridge Health

OxbridgeHealth is a health insurance and healthcare solutions brand focused on making care costs more predictable and reducing spending without cutting benefits or limiting access to doctors and hospitals. Its Episode Advantage Health Plan is designed for self-funded employers in New York, New Jersey, Connecticut, and Texas, and is presented as costing 10% to 25% less than a comparable HMO or PPO.

The plan keeps routine care, prescriptions, urgent care, and emergencies covered through broad network access, including Cigna Healthcare nationally and Healthcare Highways in Texas. For planned care, OxbridgeHealth groups services such as consultations, imaging, procedures, rehabilitation, and follow-up into an episode with a guaranteed price set before treatment begins. Members can compare prices across Care Groups, each pairing a physician with a facility, and see potential out-of-pocket costs before booking. Employers set allowances for many episodes; choosing a Care Group within the allowance can reduce member costs to little or nothing.