Predictability is Power
Episode Benefit Plans deliver guaranteed prices and engaged employees — turning your largest liability into your greatest advantage. Own your own outcome.
Control the Uncontrollable
For Too Long, You've Been Flying Blind.
Every year, renewal season feels uncontrollable — unpredictable trends, hidden drivers, no accountability. Oxbridge changes that with guaranteed episode-level pricing and real-time visibility into performance.
30% total cost reduction.
Bundled episode pricing removes waste and arbitrage buried in traditional networks. Employers capture 30% savings without cutting benefits or shifting costs to employees.
Predictable renewals—no more trend shock.
Your CFO can finally budget with confidence. Episode-based pricing creates year-over-year predictability and trend control—stability that makes your benefits strategy sustainable.
A better experience that keeps employees loyal.
When employees understand and trust their health plan, satisfaction soars. Transparent prices and simple choices turn frustration into empowerment, and benefits into a retention asset.
Every episode, guaranteed.
We define each episode of care—like knee replacement or childbirth—then set a guaranteed price for the entire episode, not the parts. Your plan defines an allowance. Members shop for care within that budget. Providers compete on quality and efficiency. Everyone wins.
Define the episode
Guaranteed prices and aligned incentives follow every step.
Set the allowance
Guaranteed prices and aligned incentives follow every step.
Members shop & choose
Guaranteed prices and aligned incentives follow every step.
Providers deliver & report
Guaranteed prices and aligned incentives follow every step.
Find Your Perfect Plan
Not every organization is the same. Use our recommender to find the right balance of savings and steering for your culture.
What are your primary goals?
The Numbers Don't Lie.
Narrow networks, variable copayment plans, and reference-based pricing tried to fix healthcare by adjusting the margins. We rebuilt it from the inside out — combining guaranteed prices, smart incentives, and engaged consumers into one seamless system. That's the Episode Advantage™.
- Fiduciary-grade transparency with episode-level contracts.
- Stop-loss alignment and auditable data for every claim.
- Experiences members actually understand—and use.
| Dimension | Oxbridge Health | Adv. Primary Care/Ref. Based Pricing | Narrow Networks |
|---|---|---|---|
| Cost Savings Potential | |||
| Cost Predictability | |||
| Provider Choice | |||
| Consumer Engagement | |||
| Price Transparency | |||
| Member Experience |
Reduce Your Exposure
Guaranteed Prices. Lower Stop-Loss Costs.
When every episode has a locked-in price, catastrophic claims become predictable line items—not budget-busting surprises. That changes everything for your reinsurance strategy.
Capped Episode Liability
No runaway costs. Every procedure has a ceiling before care begins.
Stop-Loss Alignment
Reinsurers reward predictability. Guaranteed pricing translates to better terms and lower premiums.
Audit-Ready Transparency
Every claim ties back to a contracted episode price—fiduciary-grade documentation for every dollar spent.
The Guarantee Advantage
100%
Price Certainty
0
Balance Bills
15-25%
Stop-Loss Savings
Real-Time
Claims Visibility
Member Satisfaction
Proven Research
Recent qualitative and quantitative online user studies of our member portal among 225 Americans revealed resounding interest in Oxbridge Health.
96%
Positive about the overall concept presented by Oxbridge Health.
86%
Likely to use this platform in real life if it was available.
90%
Better as a shopper with Oxbridge Health.
78%
Agree Oxbridge Health offers clear advantages over their current plan.