NY Downstate Oxford Audio

Savings and earning potential for downstate NY employees? You'll get that.

$0 deductible plan options

With fixed copays and 100% coinsurance, employees know their out-of-pocket costs before seeing their providers, which helps avoid cost confusion. Plus, these plans are designed to be more affordable, which may help you save, too.

Zero Deductible Plans flier (pdf)

$0 copays for 24/7 Virtual Visits

With $0 copays,¹ 24/7 Virtual Visits give employees access to nonemergency care — anytime, anywhere from their mobile device with any plan type.² It's designed for easier access to care, wherever they may be.

24/7 Virtual Visits flier (pdf)

$700 earning potential annually

We combined best practices from existing wellness programs and offer financial incentives for building healthy habits. Members can earn up to $700 annually for reaching certain program goals and completing personalized fitness activities.

UnitedHealthcare Rewards flier (pdf)

Sweat Equity® flier (pdf)

Up to $500 to help pay for care

Care Cash® offers employees a preloaded debit card³ containing up to $500 to use toward cost-sharing for certain network health care expenses like visits to primary care providers, specialists and urgent care.

Care Cash flier (pdf)

41 years of innovation and commitment in the tristate area

While other health plans have come and gone, Oxford has provided reliable access to care and coverage along with an unwavering dedication to our customers throughout New York, New Jersey and Connecticut since 1984.

Here’s what we’ve contributed to New York alone

^$3.7^M+

from UnitedHealth Group, the United Health Foundation Giving program and the Diversity in Health Care Scholarship program⁴

162^K+

donated local volunteer hours in 2024 by UnitedHealth Group employees⁴

^$7.8^M+

invested in affordable housing in New York⁵ 

Contact your broker or ask for a no-obligation quote today

Ask for a quote

Footnotes

The Designated Virtual Visit Provider's reduced rate for a 24/7 Virtual Visit is subject to change and may apply after the deductible according to plan design. Individuals should check their benefit documents for specific coverage details. $0 24/7 Virtual Visit copays apply to all Oxford fully insured non-HSA plans.
Data rates may apply.
There are no penalties, fees or income restrictions associated with the debit card. Care Cash is available for all small group non-HSA plans except for Healthy NY plans.
UnitedHealth Group internal data, state snapshot for New York, April 17, 2025.
UnitedHealth Group Investment in grand opening of Gouverneur Place Apartments, a 68-unit development that integrates quality, affordable-housing with supportive services in the Bronx.

Disclaimers

Oxford insurance products are underwritten by Oxford Health Insurance, Inc.

This policy has exclusions, limitations and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, contact your broker or Oxford sales representative.

Oxford $0 deductible plans are available for New York-sitused employers. Plans sold in New York use policy form numbers: POL24.OHI.2019.SG.NY, POL24.OHI.2019.SG.HNY and POL24.OHI.2019.LG.NY.

24/7 Virtual Visits is a service available with a Designated Virtual Network Provider via video, or audio-only where permitted under state law. Unless otherwise required, benefits are available only when services are delivered through a Designated Virtual Network Provider. 24/7 Virtual Visits are not intended to address emergency or life-threatening medical conditions and should not be used in those circumstances. Services may not be available at all times, or in all locations, or for all members. Check your benefit plan to determine if these services are available.

UnitedHealthcare Rewards is a voluntary program. The information provided under this program is for general informational purposes only and is not intended to be nor should be construed as medical advice. You should consult an appropriate health care professional before beginning any exercise program and/or to determine what may be right for you. Receiving an activity tracker, certain credits and/or rewards and/or purchasing an activity tracker with earnings may have tax implications. You should consult with an appropriate tax professional to determine if you have any tax obligations under this program, as applicable. If any fraudulent activity is detected (e.g., misrepresented physical activity), you may be suspended and/or terminated from the program. If you are unable to meet a standard related to health factor to receive a reward under this program, you might qualify for an opportunity to receive the reward by different means. You may call us toll-free at 1-866-230-2505 or at the number on your health plan ID card, and we will work with you (and, if necessary, your doctor) to find another way for you to earn the same reward. Rewards may be limited due to incentive limits under applicable law. Components subject to change. This program is not available for fully insured members in Hawaii, Vermont and Puerto Rico nor available to level funded members in District of Columbia, Hawaii, Vermont and Puerto Rico. 

Sweat Equity reimbursement is generally limited to the lesser of $200 (subscriber)/$100 (covered spouse/domestic partner and eligible dependents ages 13 and older) or the actual amount of the qualifying fitness costs per 6-month period, but the reimbursement may vary by plan. For the subscriber’s spouse/domestic partner and dependents to be eligible for this benefit, they must also be enrolled in an Oxford product. Refer to your Oxford benefits documents or check with your company benefits administrator to confirm eligibility and find out how much you may be reimbursed. You may submit a request for reimbursement under the program once every 6 months. Requests for reimbursement will not be accepted before your 6-month program end date, even if you have completed the required number of qualifying workouts before this date. Rewards may be taxable. Consult with an appropriate tax professional to determine if you have any tax obligations from receiving reimbursement under this program.

Care Cash provides a pre-loaded debit card which can be used toward cost-sharing for certain network health care expenses. If the card is used for ineligible 213(d) expenses, individuals may incur tax obligations and should consult an appropriate tax professional to determine if they have such obligations. The information provided in connection with Care Cash is for general informational purposes only and is not intended to be nor should be construed as medical advice. Individuals should consult an appropriate health care professional to determine what may be right for them.

Employee benefits including group health plan benefits may be taxable benefits unless they fit into specific exception categories. Please consult with your tax specialist to determine taxability of these offerings.

How Oxford group health plans help with cost control