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Q & A Freedom Plan

Q: How do I choose or change my doctor?
A: Simply choose your doctor from the listing of primary care physicians (PCPs) in Oxford's Freedom Network Roster of Participating Physicians and Providers or search for a doctor on our web site, oxfordhealth.com. Women may also select an OB/GYN to provide additional preventive care. If you have children, you may select an Oxford pediatrician as their PCP. You may change your PCP at anytime by using our web site or by calling Member Services at the number on the back of your Member ID card.

Q: What if I want to see a doctor who's out-of-network?
A: Visits to out-of-network physicians will be subject to deductible, coinsurance payments and Usual, Customary and Reasonable (UCR) charges limitations. You also need to submit claim forms. However, when visiting an in-network physician, Members are only subject to a copayment for most covered services.

Q: If I need to see a specialist, will I need a referral?
A: To visit an in-network specialist and be eligible for in-network coverage, your PCP or OB/GYN will need to electronically submit a referral. Please note that paper referrals are no longer acceptable and only electronic referrals will be processed. With an authorized referral, your visit will require only a copayment for most covered benefits.

To visit an out-of-network specialist, you will not need a referral, but will be required to pay a deductible and a portion of the specialist's fee, as defined in your Summary of Benefits. You will also need to submit a claim form.

Q: What if I need to be admitted to the hospital?
A: All inpatient hospital stays require precertification. If you are admitted to the hospital as a result of an emergency room visit or by your PCP or Oxford specialist, you do not need to fill out any claim forms or satisfy any deductible, and your hospital expenses will generally be completely covered (some plans require a copayment). If you are admitted by an out-of-network doctor, you are responsible for obtaining precertification, paying any deductibles, coinsurance and are responsible for Usual, Customary and Reasonable (UCR) charges limitations.

Q: What standard benefits are included in my Oxford coverage at no charge?
A: Because Oxford wants to help you make healthier decisions, we offer a wide range of preventive programs and benefits. These range from wellness programs to reminders for routine care. All plans feature one physical with your PCP every 12 months at no charge. Members should check their Summary of Benefits for details on other benefits that are available at no charge.

Q: How are my children covered under my plan? What benefits do they receive at no charge?
A:If enrolled, your children are covered as dependents under your plan. Your children receive the same standard benefits that any other Oxford Member would, as well as childhood immunizations, adolescent well-care, routine pediatric care through age 19, and in-network preventive dental care through age 11 (except for Freedom Plan MetroSM).

Q: Are prescription drugs covered?
A: Oxford offers various prescription drug benefit programs to help defray the rising costs of prescription drugs. Check your Summary of Benefits or contact your Benefits Administrator for details about the plan for which you may be eligible.

Q: Do I need to submit claim forms?
A: Members do not need to submit claim forms for in-network services. However, you must submit claim forms for out-of-network services in order to receive payment, subject to deductible, coinsurance and Usual, Customary and Reasonable (UCR) charges limitations.

Q: Do I have to pay a deductible or coinsurance?
A: If you visit an in-network provider for a covered service, you are generally responsible only for a copayment. Check your Summary of Benefits for more information. If you visit an out-of-network provider, you are responsible for any applicable deductibles, coinsurance and are subject to Usual, Customary and Reasonable (UCR) charges limitations.

Q: When can I enroll with Oxford? What if I get married or have a child?
A: If you are not a newly-eligible employee, you may only enroll during your company's annual Open Enrollment period. Oxford Members may add dependents to their plan in the event of the birth (or adoption) of a child or marriage. Contact your Benefits Administrator for more information.

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