You might be surprised at how much your health plan

can do for you.

When’s the best time to use your health plan? Well, how about 10 minutes

from now? Or tomorrow at 5:30 PM? Next Thursday, perhaps? Of course

you can use it when you’re under the weather. But why not use it when you’re

feeling great, too? Use your health plan any time you want. That’s the basic

idea at Oxford.

For instance, when you’re healthy, a really good health plan would help

you stay that way. It would offer plans with no copayments for annual physicals

and OB/GYN visits. It would also help keep you in shape by offering gym

membership reimbursements, yoga classes and massage therapy. And it might

even surprise you with discounts on skiing and snowboarding equipment, or

weight loss programs, or home fitness equipment. But that’s only part of the story.

Because you also need a health plan that’s got your back when you’re sick.

A plan that has a comprehensive network of doctors and specialists. And over

300 hospitals in our service area. And practical programs designed to help

keep conditions like asthma and diabetes under control. But that’s only

part of the story.

For the whole story, turn the page. And check out all the value you get with

Oxford. Because we believe that no matter how you’re feeling, you can always

get something out of your health plan.

Not just when you’re sick. But every day.

World-classCustomer

Service

Find a great doctor or hospital

online

Chiropracticcare

Discounts onmagazine

subscriptions

Nutrition counseling

Yoga instructiondiscount

Discounts atBrookstone®

Allergists

With over 60,000 doctors,you can feel good

about your choices1

Doctor Network

Annual checkupsat no charge2

Review a list of questionsto ask your doctor

Select an OB/GYNin addition to a

primary care physician

Board-certified podiatrists

Ne

ed

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at

do

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Never underestimate the value of a good doctor.

A good doctor-patient relationship helps make you feel at ease and speeds up the healing process.

That’s why you’ll find literally thousands of physicians and specialists in our network. This greatly

increases the chance that you’ll get access to the doctor of your choice.

• Oxford’s Freedom Network gives Members access to more than 60,000 physicians3 and

other providers who practice at over 80,000 sites, and to over 300 hospitals throughout our

entire service area

• Oxford’s Liberty Network in New York and New Jersey gives Members access to more than

39,000 Liberty physicians4 and other providers who practice at over 55,000 sites, plus access to

thousands more Freedom physicians in our Connecticut, Pennsylvania and Delaware networks

• Women may select an OB/GYN in addition to their primary care physician (PCP)

• Members also have access to the area’s first fully credentialed network of complementary

and alternative medicine providers

The majority of physicians in our network are either board-certified or

recently board-eligible, one of the best available measures of physician

quality. In addition, we sponsor continuing medical education to help our

doctors stay at the top of their respective fields.

• Doctors decide upon the appropriate care level for each of their patients

• Providers in the tri-state area identified Oxford as “The best managed care company” by

a two-to-one margin over other managed care companies listed in a recent survey5

Search for a doctor online:Step 1 – Go to www.oxfordhealth.com

Step 2 – Under Doctor Search, choose and

click on the appropriate search option

Step 3 – Follow steps under Express Search or

Advanced Search and click on the Search button

To search by network:Go to Advanced Search and select doctor type,

state, county and the network (Freedom or Liberty)

associated with your plan, then click on the

Search button

1,3,4 All data as of June 30, 2004. This data represents all participating providers except ancillary providers. Dental and alternative medicine providers are included(6% of the total without chiropractors who are considered specialists). Providers who are multiply boarded are counted multiple times.

2 Some plans may require Member cost shares or have annual dollar limits.

5 Based on a survey by Walker Information, Q4/03.

Joint pain

Ways to better skin

Migraines

Nutritionists

Aids to digestion

Massage therapy

Complementary & Alternative Medicine

An

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Relax. Unwind. Stretch out. We’ve got you covered in more ways than one.

There’s more than one set way to achieve a healthy spirit, mind and body. So we created the area’s

first fully credentialed network dedicated to complementary and alternative medicine (CAM). Today,

it includes more than 3,500 providers in the following fields:6

• Nutrition • Chiropractic Medicine

• Naturopathic Medicine (Connecticut only) • Massage Therapy

• Yoga • Acupuncture

The reason we can call our network fully credentialed is because every

one of our CAM providers must adhere to strict standards. That means:

• Meeting state licensure requirements

• Meeting clinical experience requirements and committing to continuing education

in his or her discipline

• Having specialty certifications, where applicable

• Meeting malpractice requirements

• Becoming recredentialed every three years

Members can learn more about our CAM network at www.oxfordhealth.com. Once there, you can search for a

CAM provider. Or, Members can link to ConsumerLab.com at no charge and read about the latest test

results on a range of vitamins, herbs and minerals, and natural products and supplements. There’s

even a section on recalls and warnings.

Members may access Oxford’s CAM network by:

1. Contracted Rate7 – Members can visit participating CAM providers in New York, New Jersey

and Connecticut as often as they wish, without a PCP referral, at a specially negotiated rate. Simply

select a participating provider, schedule an appointment and pay the provider at the time of the

visit. This is not an insured benefit, so there is no need for a PCP referral, PCP reimbursement, or

paperwork. In most cases, this contracted rate reflects a discount from the provider’s normal fee.

2. Standard In-Network Benefits – In certain regions, Oxford offers covered benefits for

specific types of CAM care. For chiropractic8 and naturopathic coverage, Members must obtain a referral

from their PCP for the initial visit. Precertification is required for any visits after the initial visit for

plans that require precertification. For naturopathic care, only a referral is required. The Member

is responsible for a copayment at the time of the visit. Members of open access, or non-gated, plans

are not required to obtain referrals to visit participating chiropractors or naturopaths. Depending

on the plan design, Oxford may require that chiropractors and naturopaths submit care plans for

utilization review.

6 Based on Sept. 2003 provider data. Includes acupuncturists, chiropractors, massage therapists, naturopaths, nutritionists and yoga instructors. Provider type and availabilityvary by state and plan.

7 The contracted rate is not an insured benefit, but rather a fair standardized rate for care. In most instances, this rate reflects a discount from the provider’s normal fee.

8 If you have out-of-network coverage and access chiropractic care through a non-participating provider, the services will be reviewed for medical necessity. Members andproviders can either: request prior approval through TRIAD (a national chiropractic network) by submitting the Voluntary Prior Approval Agreement Form, along with an InitialCare Plan Form; or, submit clinical notes for medical necessity review to TRIAD after services are rendered and claims are submitted. (Note: not all Members are included in the TRIAD arrangement.)

complementary & alternative medicine

Laryngitis orstrep throat?

Poison ivy or poison oak?

Natural hairloss or too

much stress?

Leg cramps orpulled muscle?

Call now or call later?

Indigestion orfood allergy?

Oxford On-Call ®

Ou

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ou

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ea

lthc

ar

eg

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ce

line

The wee hours of the morning. Lunchtime. The big holiday weekend.

Who knows when you’ll need some healthcare guidance?

You may not always be able to reach your doctor, but questions about your health are always worth

asking. No matter what time of day it is. That’s why we created Oxford On-Call,® our healthcare

guidance line.

Twenty-four hours a day, 365 days a year, you can speak with informative registered nurses who can

help guide you to the most appropriate source of care. In fact, all Oxford nurses have strong clinical

backgrounds and many have experience in emergency nursing. And every Oxford nurse has instant

access to an extensive database. So if a Member is enrolled in one of our disease management programs

and requires special attention, our nurses can identify him or her and provide guidance on the spot.

Ice it or apply heat? Scratchy throat or strep throat? Homesick or too much

guacamole? By giving you the answers you need, our nurses can help you

start feeling better.

Our nurses:

• Identify caller symptoms and recommend next

steps using one of the most advanced patient

assessment systems available

• May recommend a visit to the emergency room,

suggest an appointment with a physician or advise

how to care for a problem at home

• Issue a referral directly to specialists when

medically appropriate

• May make follow-up calls to promote

continuity of care

• Keep primary care physicians (PCPs) informed

by faxing call records, provided the Member has

given us permission and the PCP’s fax number

is on record

At 3:00 AM, Oxford On-Call is the next best thing to calling your mom.

Especially when your mom’s asleep.

Recent survey results: 9

• 98% of Members who called report they are satisfied with Oxford On-Call

• 96% of Members who called tried the self-care that was recommended to them

9 Survey performed by Oxford On-Call staff, 4/04.

Better Breathing ®

program

Ways to help manage your diabetes

Healthy cookbooks

Disease Management

Ma

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Education. Encouragement. Clinical expertise. Support. More specifically,

what you’ll find in every one of our disease management programs.

Our disease and specialty case management programs are developed by clinical teams consisting

of Oxford Medical Directors. Through these programs, we focus on educating and encouraging

Members as well as cultivating close communication between patient and physician. At the same time,

we keep our participating physicians informed of the latest treatments, and clinical practice and

preventive guidelines.

Some of Oxford’s Disease Management programs include:

Better Breathing ® Program – An educational program for

children and adults with asthma. Members in this program receive

information about the triggers of asthma and how to avoid them, as

well as the proper way to administer their medications.

Living with Diabetes SM Program – Promotes the use of

the most recent American Diabetes Association treatment guidelines

and provides Members with educational materials. Newly diagnosed

Members have the option to receive healthy cookbooks to help

them eat right.

Active Care Engagement SM (ACE) Program –

Oxford’s ACE program is a health management program for

high-risk Members with congestive heart failure, coronary artery

disease, and diabetes. The program is designed to help Members

manage their chronic condition to help improve health status and

quality of life. Member support includes regular care calls that focus

on lifestyle modification, education, symptom management, and medication adherence. Additionally,

ACE supports physicians in their successful management of such high-risk Members.

Heart SmartSM Program – This program helps Members with cardiovascular disease (CVD)

and congestive heart failure (CHF) (who are not in the ACE program) understand and improve

their health and quality of life. Materials are available to educate Members about hypertension,

cholesterol management, the immediate and long-term needs associated with medication compliance,

and lifestyle modification.

Oncology Program – Education plays an important role in the early detection of cancer.

And it’s no less important in the treatment phase. For this reason, we offer individualized case

management for Members with specific oncological diagnoses. Nurses regularly contact these

Members to provide support, telephonic assessments, plus educational materials. Nurses also work

in concert with Members’ physicians to support and reinforce the treatment plans and emphasize

symptom management.

living with diabetesbetter breathing®�

Oxford Health Plans®

heart smartSM

Childhood immunizationreminders

Tips on postnatal care

Tips for colic

Baby massage

Mammogram reminders

Healthy Mind Healthy Body ®

magazine

Active Partner ®

Ho

w w

eh

elp

yo

u s

tay

he

alth

y

A string around your finger. A Post-it® note. A wake-up call. All rolled into one.

That’s the general idea behind our Active Partner ® Mailings.

Oxford developed Active Partner preventive mailings to remind Members to make appointments

for the preventive care they need. Members who have not received a preventive exam within the

recommended time period are sent reminders.

Reminder mailings:

• Childhood immunizations

• Adolescent well care

• Pap smear

• Flu vaccinations

• Mammogram

An ounce of prevention equals our

philosophy exactly. That’s why we offer

our Members the following additional

resources:

Healthy Mind Healthy Body ® magazine –

A source of the latest information on prevention, nutrition

and exercise, as well as important benefit and coverage

information. Delivered to Members’ homes two times a year.

Oxford Healthy Mother, Healthy Baby ® – A program that complements the care expectant

Members receive from their doctor by providing educational information on prenatal and postnatal

care as well as childhood immunizations.

Self-Help Library SM – Educational guides for Members with asthma, diabetes, and depression,

helping them learn more about self-care, treatment guidelines and preventing complications. Members

with diabetes and asthma receive these materials soon after they are diagnosed, and Members

experiencing depression can obtain the guide in confidence upon request.

Magazine subscriptions Karate classes

Tempur-Pedic®

ComfortPillowTM

Gymdiscounts

Skiing & snowboardingequipment

Home fitnessequipment

Healthy Bonus® Discount Programs

Dis

co

un

tsth

at a

re

go

od

for

yo

u

Discounts to the gym. Discounts to the spa.

With Oxford, staying in tiptop shape just became a little easier.

We know a good thing when we see it, and it seems you do, too. That’s why we’re always looking for

new offers to add to our already popular Healthy Bonus® program.7 Apparently, helping to keep you on

your toes is what keeps us on ours.

The Healthy Bonus program includes:

Brookstone® – 15% discount on a select list of innovative products from Brookstone by

calling 1-800-343-9855.

Magazine Subscriptions – Health, 10 issues for $10; Cooking Light, 11 issues for $16;

Yoga Journal, 7 issues for $11.

OMNI Fitness – 10% off home fitness equipment, 15% off fitness accessories.

STOTT PILATESTM – 15% off suggested retail prices on STOTT PILATES videos and equipment.

Puritan’s Pride® Vitamins – 10% savings off already low prices on over 1,400 products.

QuitNet® – Get a lifetime membership to this popular online smoking cessation program for $65.

That’s 35% off the regular price.

Safe Beginnings® – 20% discount on childproofing items, including safety gates, cabinet locks,

outlet covers, and window guards.

Spa Finder® – $15 discount on a $100 gift certificate purchase. TCBY® – $1.00 off any sugar-free

menu item over $2.00.

Tiger Schulmann’s KarateTM – $49 for one month, plus free uniform

Weight Management programs – 15% off an online program, plus a free 45-minute

consultation at Rob Nevins Personalized Fat Loss Programs. Members also receive free registration to

a local meeting program, plus additional savings on a special online program at Weight Watchers®.

WellQuest Fitness Network – a one-time registration fee of $49 ($29 additional fee for

each family member) to WellQuest entitles Members to a discounted rate at any one of WellQuest’s

fitness centers.

For a complete list of our Healthy Bonus® programs, Members can log on to www.oxfordhealth.com.

7Note: Offers are valid through December 31, 2005. These discounts are offered in addition to, and separate from, your benefit coverage through Oxford Health Plans. Thesearrangements have been made for the benefit of Members, and do not represent an endorsement or guarantee on the part of Oxford. Discounts may change from time to timeand without notice and are applicable to the items referenced only. Oxford Health Plans cannot assume any responsibility for the products or services provided by vendors or thefailure of vendors referenced to make available discounts negotiated with Oxford; however, any failure to receive discounts should be reported to Oxford Customer Service bycalling the number on your Member ID card.

67828_Page 13 Master 5/17/05 12:51 PM Page 13

Tell us about that new person

in your life

Research herbalremedies at

ConsumerLab.com

Search for the best hospital for a

hernia operation

Search fora doctor

Request newmaterials, order a

new ID card, or check a claim

Info for new orsoon-to-be parents

www.oxfordhealth.com

ww

w.o

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rd

he

alth

.co

m

You might be surprised at how much a web site can do for you.

At www.oxfordhealth.com, Members can search for a provider, research hundreds of health topics, check

referrals, take a health quiz, get a new ID card, access their benefits and personalized healthcare information,

and more. All in a few simple keystrokes. All you have to do is enter a user name and password.

Here are some of the resources available on our site in the oxfordhealth Center:

WebMD® – a leading consumer-focused healthcare information web site

KidsHealth® – advice for all new and expectant parents; sign up for an eNewsletter

Complementary and alternative medicine – information on the program and find

a provider in your area

Subimo® Healthcare AdvisorTM and PharmaAdvisorTM – online resources for

researching the best hospitals or treatment options, and comparing drugs or researching alternatives,

respectively

Healthy Bonus® – Member discounts on wellness-related products and services

Oxford Healthy Mother, Healthy Baby ® – information for expectant mothers to

complement the care they receive from their doctor

Healthy Mind Healthy Body ® magazine – health-related articles including prevention

and nutrition

ConsumerLab.com – independent information and test data on vitamins, herbs and

minerals, supplements, natural products and recalls

At oxfordhealth.com/myoxford, Members can:

• Search for a doctor

• Check:

claims/benefits/referrals

• Change:

PCP/address/

email/user name

• Request:

ID card/forms/rosters

• Notify us of pregnancy and birth

• E-mail Member Services

A web site that’s easy to

use didn’t come easily.

But, then again, nothing

worthwhile ever does.

We were recognized as a “Standard of Excellence” winner in the 2003 WebAward Competition for

achieving a standard to which all corporate web sites should strive. We also took home three 2003

eHealthcare Leadership Awards: for best interactive web site, best e-business site and best overall site.

Visit www.oxfordhealth.com and see for yourself how we’re working to help Members get into

healthier habits.

67828_Page 15 Master 5/17/05 12:54 PM Page 15

Call us when you have a simple question

or in a time of stress

Award-winning web site

Trained, courteous and knowledgeable Service Associates

Consistently quick response times

All Service Associatesreceive timely

refresher courses

Customer Service

Cu

sto

me

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er

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e

Good old-fashioned Customer Service. You know.

With the emphasis on customer. And service.

Customer Service Statistics14

Answer rate: 98%

Average speed to answer: 18 seconds

Claims turnaround time: 18 days

At Oxford, all of our Service

Associates undergo a rigorous

training program and receive

continuous refresher courses.

Maybe you have a simple question. Maybe you’re

calling us in a time of stress. Whether you’re in the

emergency room and want to check your benefits,

or you just have questions about a claim, we want

to respond quickly, accurately and courteously.

When you call, you’ll talk to someone specifically

trained to handle your concerns. The result is greater

accountability and better response times.

Our Members can get answers to their questions in three different ways:

• Our Customer Service Department staffed with Service Associates

• Our award-winning web site, www.oxfordhealth.com, where Members completed an average

of 2.6 million self-service web transactions in 2003

• Oxford Express,® our interactive voice response telephone system

Many of our Members have discovered how handy our web site is. They’re using it to check benefits

and claims, search for providers, order new Member ID cards, and much more. They’re also using

Oxford Express, our interactive voice response telephone system, to perform many of the same tasks.

And they’re doing it all at their convenience, whenever they want, 24 hours a day, 365 days a year.15

Because every day is different, we offer health plans that you can take

advantage of night or day. Not just when you’re sick, but when you’re feeling

great, too. It’s called getting more value for your dollar. And at Oxford, it’s

simply one of the many benefits we build into every health plan we offer.

14 Oxford corporate average for 2003.

15 Excluding periodic downtime for server maintenance.

www.oxfordhealth.com©2004 Oxford Health Plans, LLC 7678R1MS-04- 1869

67828_C4Master 5/17/05 12:53 PM Page C4