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                                    Products available with the New York Oxford Freedom NetworkPPO PPO HSA EPO EPO HSA%u2022 PPO plans offered with theFreedom Network providemembers with network andout-of-network coverage%u2022 Members are able to accessthe national network whentraveling outside of theOxford service area%u2022 Employers can choosethese products with orwithout a PCP referral forspecialist visits%u2022 PPO plans are paired withan HSA for employees touse for eligible medical andpharmacy expenses%u2022 Network and out-of-networkcoverage is available%u2022 Members are able to accessthe national network whentraveling outside of theOxford service area%u2022 These products do notrequire a PCP referral forspecialist visits%u2022 When seeking care inthe Oxford service area,members enrolled in theseEPO plans have access tonetwork care only within theOxford Freedom Network%u2022 When traveling outsideof the service area,members can seekcare from a nationalnetwork provider%u2022 These products do notrequire a PCP referral forspecialist visits%u2022 EPO plans are paired withan HSA for employees touse for eligible medical andpharmacy expenses%u2022 When seeking care inthe Oxford service area,members enrolled in theseEPO HSA plans haveaccess to network careonly within the OxfordFreedom Network%u2022 When traveling outsideof the service area,members can seekcare from a nationalnetwork provider%u2022 These products do notrequire a PCP referral forspecialist visitsMany savings opportunities Freedom Network plans offer benefits your employees have come to expect with an Oxford plan, along with other useful options to help them lower their out-of-pocket costs.%u2022 $0 cost-share for insulin and emergency use drugs, such asalbuterol, epinephrine, glucagon and naloxone%u2022 $0 copay for 24/7 Virtual Visits, including Health SavingsAccount (HSA) plans%u2022 $0 copay when utilizing services through our OxfordPreferred Lab Network (PLN)%u2022 Up to $300 per year for reaching daily program goalsand completing one-time activities throughUnitedHealthcare Rewards%u2022 Up to $400 per year in reimbursement for qualifying fitnessexpenses through Sweat Equity%u00ae%u2022 $200 for individual coverage or $500 for family coverageprovided annually on a pre-funded debit card to use towardcertain eligible medical expenses available to employers whopurchase Care Cash%u00ae%u2022 Discounts to thousands of gyms with no long-term contractsor annual gym registration fees through One Pass Select%u2122*.Learn more Contact your broker or Oxford representative for additional information*Subject to regulatory approval. If the product offering is changed as a result of regulatory review, we will advise you as soonas possible.11
                                
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