Understanding Oxford Health Plans and Oxford Benefit Management
Oxford Health Plans, a part of the UnitedHealthcare company, serves approximately 1.6 million people in the United States. It has a network of nearly 73,000 physicians with almost 104,000 care locations. Founded in 1984 by Stephen F. Wiggins, Oxford Health Plans merged with UnitedHealthcare in July 2004. The company offers various benefit plans in New York, New Jersey, and Connecticut.
Oxford Benefit Management lets companies access five valuable UnitedHealthcare health benefits in one simplified package. It offers employers a unique assortment of health insurance products for their employees. Oxford Health Plans combine these specialized benefits into dental, vision, and optional life insurance packages.
What is durable medical equipment and a high-deductible health plan?
Durable medical equipment (DME) refers to equipment and supplies a healthcare provider orders for regular or long-term use by a patient. DME coverage may include oxygen, wheelchairs, crutches, and diabetes blood test strips. Medicare Part B (Medical Insurance) pays for medically essential DME if your Medicare-enrolled physician or other healthcare professional recommends it at home. DME is an equipment that meets the following criteria:
- Durable (able to withstand repeated use)
- It is used medically
- It is typically adequate for those who are unwell or injured
- It is used at home
- Likely to last at least three years
A high-deductible health plan (HDHP) has a larger deductible than a typical insurance plan. The monthly payment usually is lower, but you must pay more for health care before the insurance company begins to pay (also known as your deductible). HDHP can be linked with a health savings account (HSA), allowing you to pay specific medical bills with money saved in your tax-free HSA. It is also called an HSA-eligible plan.
What is preventative care, and does UnitedHealthcare cover it in its plans?
Preventive care comprises the services provided as part of a routine well-exam. Most insurance plans cover eligible preventative care services, so you will not have to pay anything out of pocket. These services allow your healthcare provider to keep you healthy and catch ailments early before they progress and become severe. Preventive care includes the following:
- An annual physical exam
- Vaccines
- Well-baby and well-child care
- Recommended cancer tests and screenings at specific ages for skin, breast, colon, prostate, lung, and cervical cancer
- Additional health examinations for conditions such as osteoporosis and diabetes
UnitedHealthcare's preventative care services benefits include various medical services. The federal Patient Protection and Affordable Care Act (PPACA) mandates that non-grandfathered health plans cover "recommended preventive services" from network providers without cost sharing for members. You can visit this link and their website to learn more about these services.
If you are looking for a UnitedHealthcare dermatologist near you for preventative care, you can visit the Zocdoc website.
International health insurance vs. travel insurance: What is the difference?
International health insurance is a type of medical coverage that covers expatriates living abroad for extended periods. It is mainly for people who have taken residence in another country. It provides coverage to insured persons for health issues when living overseas.
The coverage period of international health insurance is up to 12 months. It covers long-term care needs like pre-existing health issues, surgery recovery, and maternity coverage. It allows access to a worldwide network of medical practitioners and hospitals. So, you can choose a provider for your medical care. The coverage includes chronic conditions, mental health care, dental care, routine health checkups, and hospital stays.
Travel insurance is short-term medical coverage for up to six months or less. It is offered to people who visit another country on a backpacking trip or a holiday. It covers emergency treatment at the nearest medical facility in the visiting country. However, you must return to your home country for long-term care and medical support. It also provides coverage in case of loss or theft of luggage or personal items and flight delays and cancellations. After receiving emergency treatment, it also covers your travel back to the home country.
Copays, coinsurance, and deductibles
Coinsurance, copays, and deductibles are the most commonly used insurance terms.
- Copays are fixed fees you must pay out-of-pocket for a particular service, such as doctor visits and prescription drugs. The insurance company covers the rest of the service costs.
- Coinsurance is a percentage of the covered healthcare costs you must pay after paying the deductible.
- A deductible is a particular amount you must pay out-of-pocket before your insurance provider fulfills the coverage costs.
Copays and coinsurance are lower for services from in-network providers and higher for out-of-network providers. Also, higher monthly premium plans generally have lower deductibles, and vice versa.
To better understand health insurance-related terminology, visit Zocdoc's Health Insurance 101 for more information.
Who is a dermatologist, and when should you see one?
A dermatologist is a certified doctor trained to diagnose, manage, and treat skin, hair, and nail conditions. These disorders can range in severity from a common rash to skin cancer. Dermatologists may be able to detect symptoms of an internal ailment, such as stomach, kidney, or thyroid problems, by examining your skin. They may perform minor surgical treatments, such as mole removal or skin biopsies. Some specialize in major surgical procedures, such as cyst removal. Dermatologists also address skin concerns that affect your look, and many are trained to perform cosmetic procedures such as Botox, fillers, chemical peels, and more.
You may need to see a dermatologist for various skin, hair, or nail-related issues. Some of these include the following:
- Rashes
- Skin infections
- Excessive hair loss
- Stubborn acne
- Changes in a mole or skin patch
- Warts
- Cosmetic treatments for fine lines, sagging skin, etc
- Dermatitis
- Itchy skin
- Skin cancer
- Varicose veins
- Vitiligo
Finding the best UnitedHealthcare dermatologist near you in New York
Finding an in-network specialist can help you afford healthcare.
With Zocdoc, finding an in-network dermatologist is easier than ever. Visit the website and look for a top-rated dermatologist who accepts your insurance. Select the condition or specialty, location, and insurance plan, and you will get a list of dermatologists based on your preferences.
If you want to know your insurance plan, upload an image of your insurance card to your Zocdoc account, and we will find and display information regarding your insurance plan (this facility is not available for vision or dental plans). You can even contact the Zocdoc service team if you need help uploading a photo of your card. You can also check out Zocdoc's patient help center for more information and solutions related to insurance.
Zocdoc has a detailed profile of every provider with information about their practice location, visit reasons, educational qualifications, gender, languages spoken, etc., making it convenient to narrow down your choices. You can also read patient reviews on Zocdoc to select the best UnitedHealthcare dermatologist near you for your needs.
You can also check out Zocdoc's guides on health insurance for college students and freelancers.
UnitedHealthcare statistics in New York
UnitedHealthcare in New York offers health insurance plans to employers, employees, and their families nationwide. It caters to approximately 3.5 million New York residents and has nearly 106,000 in-network healthcare providers available to meet member needs in the state. The company has 11,000 employees dedicated to serving the New York community.
UnitedHealthcare has also donated more than $3.2 million to local organizations to support communities across the state.
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