A New Category of Health Insurance
You’re looking at the future of health benefits
At OxBridge Health, we design, develop and administer Episode Benefit Plans — an entirely new category of health insurance. Our Episode Benefit Plans offer provider choice, while achieving cost levels below plans that rely on narrow networks of health care providers.
The Problem
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The price of health insurance rose 168% over the past 20 years, compared to a 53% rise in all other goods and services.
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Health insurance still leaves people with massive out of pocket costs. These expenses are now the number one cause of personal bankruptcy.
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People need options that allow them to know in advance what care will cost and have guarantees that major hospitalizations and treatments won’t crush them financially.
- To lower costs, health plans restrict the choice of physicians and hospitals, or try to micromanage the decisions of health care providers.
There Is Another Way
Episode benefit plans leverage the use of bundled payments for expensive episodes of care. Bundled payments help to manage the cost of care and to enable radical levels of price and quality transparency.
An episode benefit plan integrates familiar features of PPO or HMO plans, while using ‘episode allowances’ to drive radical levels of cost transparency. Our plans leverage the use of bundled payments for expensive episodes of care.
This means employees will have access to guaranteed prices for the majority of major health care episodes. Episode benefit plans help by creating certainty around out-of-pocket costs.
Our plan enables employers to customize incentives to encourage engagement in making intelligent choices for health care services. You’re looking at the future of health benefits.
What We Believe
We succeed by building software and human processes that lead to delivery of the right care, at the right place, at the right cost.
This innovative new plan design integrates familiar features of PPO or HMO plans, while using episode allowances to drive radical levels of cost transparency. Employees have access to guaranteed prices for the majority of major health care episodes, creating certainty around their out-of-pocket costs. Employers can customize incentives to encourage engagement in making intelligent choices for health care services.