Oxford Health Plans

Oxford offers two networks: Freedom and Liberty. They work differently, and knowing which one you have will save you time and money.

Oxford is a subsidiary of UnitedHealthcare, and it is one of the most common employer-sponsored plans in the New York metro area. Whether Moses Medical at 871B Westchester Ave in the Bronx is in-network for Oxford Freedom or Oxford Liberty depends on your specific plan. Call (646) 741-2111 with your card and we will check it before your visit.

What Oxford Covers

Depending on your plan, your Oxford card may cover these visits at our office:

• Primary care for physicals, sick visits, and chronic condition management
• Primary care for diabetes, high blood pressure, cholesterol, and thyroid issues
• Internal medicine for ongoing blood pressure, cholesterol, diabetes, and chronic condition management
• Dermatology for skin exams, rashes, acne, and mole checks
• Mental health visits for evaluation, medication questions or management when appropriate, and referral planning for therapy or counseling when needed
• Podiatry for heel pain, bunions, diabetic foot exams, and ingrown toenails
• Lab services for on-site blood work and diagnostic panels

All of these are in one building, which means your providers share records and can coordinate without delays. Ask Oxford whether the specific visit is covered under your product.

Freedom vs. Liberty: Key Differences

This is the part that trips people up.

Oxford Freedom gives you a bigger network and lets you see specialists without a referral. You do not need to pick a primary care provider, though having one is still a good idea. Premiums tend to be higher because you are paying for the flexibility.

Oxford Liberty uses a smaller network and costs less per month. The trade-off is that you must select a primary care provider and get a referral before seeing any specialist. If you skip the referral, you could be billed at out-of-network rates even at an in-network office.

Not sure which one you have? Check your insurance card. It will say “Freedom” or “Liberty” on the front. You can also call Oxford at 1-800-444-6222 or log into oxhp.com.

If you have a Liberty plan, call Oxford or our office at (646) 741-2111 to ask whether a Moses Medical provider can be named as your PCP under your product.

Using Your Oxford Plan Fully

Preventive visits are usually covered in full. Federal rules require most employer plans to cover in-network annual physicals, routine blood work, and recommended screenings at no cost to you. The savings depend on the office being in network for your plan, so confirm that first. These are the appointments that spot problems before they get expensive.

Mental health is a medical benefit. Oxford covers mental health visits for anxiety, depression, and stress. Your copay is listed on your benefit summary.

Read your explanation of benefits. After each visit, Oxford sends an EOB that shows what was billed, what they paid, and what you owe. If a charge looks wrong, call Oxford or ask our billing team. Fixing billing errors early saves you money. Call (646) 741-2111 to schedule.