UnitedHealthcare and its coverage
UnitedHealthcare offers health insurance plans for people of all ages, lifestyles, and economic backgrounds. They have member programs for individuals and families, employees with health insurance through work, and Medicare and Medicaid beneficiaries. UnitedHealthcare, a part of the UnitedHealthGroup, works with over 1.3 million doctors and 6,700 hospitals and care facilities across the US. Additionally, they provide quality healthcare internationally through the healthcare facilities they own and operate in Europe and South America.
What is the Oxford Health Plan?
Oxford Health Plans is a part of UnitedHealthcare. In 1984, Stephen F. Wiggins started the company, which merged with UnitedHealthcare in July 2004.
Offering a network of around 73,000 physicians and approximately 104,000 care locations, Oxford Health Insurance serves nearly 1.6 million people. Coverage is available to employers, individuals, and families, and people can purchase Oxford Health Plans in New York, New Jersey, and Connecticut. Their product offerings include HMO plans as well.
What plans and benefits does the Oxford Benefit Management include?
Oxford Benefit Management is the distribution company for products by UnitedHealthcare and OptumHealth. Some plans that employers can offer include- OBM Basic Specialty Option, OBM Preferred Specialty Option, OBM Voluntary Specialty Option, and more.
Some benefits include:
- Dental: OBM members can avail services like oral cancer screening and prenatal dental care for women in their second and third trimester, additional preventive and periodontal services with no out-of-pocket costs, as well as the option to add extra cleanings, white fillings, and dental implants. Dental care includes preventive care and diagnostic procedures such as cleanings, X-rays, and routine examinations. The OBM also provides members with access to a network of 100,000 dentists and specialists. It also includes optional rewards programs and rewards employees who get routine dental care.
- Vision: This includes comprehensive eye exams, frame allowances, standard scratch-resistant coating, covered-in-full contact lenses, and additional maternity benefits. Benefits may also include discounts on popular contact lens brands, laser vision correction at QualSight® LASIK, and nonprescription sunglasses. You may also get access to a Pediatric Children's Eye Care Program, which provides children between 0 and 12 with an additional eye exam and replacement eyeglass benefit if a new prescription is required within a benefit year. Members also get access to a network of more than 100,000 private and retail vision providers, including Warby Parker and GlassesUSA.
- Life: Pays a lump-sum cash benefit directly to an employee's beneficiary in the event of death and provides additional coverage for loss of life or dismemberment within 90 days of an accident.
- Disability: Pays employee benefits when they cannot work due to an illness or injury. It also includes certain return-to-work and workplace modification services to help reduce absenteeism and improve productivity.
- Hearing benefits for employees: Almost all fully insured and self-funded (ASO) plans have hearing benefits. These include discounted prices on hundreds of well-known brand hearing aids from major manufacturers or UnitedHealthcare Hearing's exclusive brand Relate, your choice of hearing aids featuring advanced technologies such Bluetooth, wireless and rechargeable battery options, hearing aids available in-person or through convenient home delivery in five to ten days, access to a large nationwide network of over 5,500 accredited hearing professionals who conduct hearing tests, hearing aid evaluations and follow-up support, and professional follow-ups with hearing representatives available about 12 hours a day.
Who are OB-GYNs, and what do they do?
Obstetrician-gynecologists (OB-GYNs) are healthcare professionals specializing in female reproductive health. Obstetrics involves working with pregnant women, while gynecology encompasses a wide range of concerns affecting the female reproductive system.
OB-GYNs receive around 15 years of training, starting with a four-year undergraduate degree and four years in medical school. After graduating with an MD or a DO degree, they complete a four-year residency, during which they work in offices or hospital settings and get experience with diagnostics, surgery, and preventative care. Following this, they clear oral and written exams to earn a certification from the American Board of Obstetrics and Gynecology. To specialize in a specific field of gynecology, some OB-GYNs spend another few years after their residency to complete a fellowship.
The responsibilities of OB-GYNs include:
- Performing surgical procedures, such as cesarean sections, hysterectomies, removing growths like cysts and fibroids, and surgery to treat pelvic organ injuries
- Conducting routine procedures like pap smears and pelvic ultrasounds
- Offering fertility treatments, including egg-freezing and egg retrievals for IVF
- Conducting mammograms and other breast cancer screenings
- Providing infertility treatments and counseling
If you're on the lookout for an OB-GYN in your area and happen to have a UnitedHealthcare insurance plan, log on to Zocdoc and find a UnitedHealthcare OB-GYN near you in just a few easy steps!
What are some conditions OB-GYNs treat?
OB-GYNs diagnose, treat, and manage various conditions, including the following:
- Endometriosis: Endometriosis is a condition where cells forming your endometrium (the uterine lining) start growing in other body parts, such as your ovaries, fallopian tubes, vagina, intestines, and rectum. Its symptoms include pain during sex, excruciating cramps, heavy menstrual bleeding, and light bleeding between periods.
- Uterine fibroids: Uterine fibroids are noncancerous tumors growing in or on your uterus. Not all fibroids cause symptoms, but when they do, the symptoms include frequent urination, back pain, heavy menstrual bleeding, and pain during sex.
- Ovarian cysts: These are fluid-filled sacs in one or both of your ovaries. While small cysts are usually asymptomatic, larger cysts can cause a dull backache, pelvic pain, painful periods, a feeling of fullness or bloating in your lower belly, and pain during sex. Most ovarian cysts are functional, forming in response to how your body changes during menstrual cycles, and generally shrink over time. Other types of cysts include cystadenomas, endometriomas, dermoid cysts, and ovarian cancer tumors.
How to find the right UnitedHealthcare OB-GYN near you in New York, NY
Finding the right OB-GYN is essential to maintaining good sexual and reproductive health. If you are looking for OB-GYNs in New York who accept your health insurance, Zocdoc can help!
Head to the Zocdoc website, create a free profile, enter the condition, specialty, and location, and select your insurance plan from a dropdown menu. The website will generate a list of OB-GYNs based on your search criteria. Using filters, you can narrow the results according to the doctor's gender, the languages they speak, and whether they treat children. If you are not able to find your particular plan, upload your insurance card. Zocdoc will then scan the image of your card and show you a plan that matches best. Note this is only applicable to medical insurance cards. Dental and vision are excluded. If you need help uploading your card or have other unanswered questions, contact Zocdoc's service team. You can go through Zocdoc's patient help center for more insurance-related information. If you're just getting started with insurance and need help understanding technical and confusing jargon, read Zocdoc's Health Insurance 101 guide.
On Zocdoc, each doctor has a dedicated profile with information about their education, experience, certifications, etc. The profiles also include reviews and ratings from previous patients. These details help you make an informed choice about your healthcare.
With Zocdoc, you can schedule in-person and virtual sessions with a UnitedHealthcare OB-GYN near you. While browsing the search results, look for a purple-colored video icon. The doctors with this icon next to their name offer online consultations.
If you are a college student or a freelancer in the US, you can go through Zocdoc's articles to learn how health insurance can benefit college students and freelancers.
All bookings on Zocdoc are 100% safe, fast, and free!
How many people have health insurance in New York?
According to the US Census data, the percentage of New Yorkers without health insurance significantly went down from 11.9% in 2010 to 5.2% in 2021. 65.9% of the insured population in New York had private health insurance, which was close to the national rate of 67%.
As per Statista's data, 46.6% of New Yorkers availed health insurance through work in 2021. The rate of New Yorkers availing Medicaid coverage rose from 21.2% in 2010 to 27.7% in 2021, surpassing the national average enrollment rates yearly during the same period. For Medicare, the enrollment percentage for New Yorkers (14.8% in 2010 to 18.5% in 2021) and the total US population (14.7% in 2010 to 18.2% in 2021) increased at a nearly similar rate.
Sources
Statista
Census
Investopedia
HealthMarkets
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Medical News Today
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UnitedHealthcare[2]
UnitedHealthcare[3]
Office of the New York State Comptroller
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