For Employers
Control Costs, Engage Employees
Episodes of Care encompass everything related to a medical condition — from diagnosis to recovery, or the management of a health condition — under one bundled payment. This removes the guesswork and surprises, replacing unpredictable bills with guaranteed pricing that covers all aspects of care.
Predictable Costs
Each episode of care — whether it’s a knee replacement, maternity care, or heart surgery — comes with a single, all-inclusive price. Employers can budget more effectively with guaranteed costs, and employees can focus on their health, not the bill.
Aligned Incentives
When consumers are empowered to make better choices, everyone wins. Oxbridge’s bundled pricing encourages efficiency and competition among healthcare providers, which leads to lower costs and better care for your team.
Increased Employee Engagement
Employees love having control. With Episode Advantage, they can choose their doctors and treatments without worrying about hidden costs, just like how they shop for any other service. Plus, they can earn savings for future care by making smart decisions.
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We start with HMO or PPO benefit designs and add episode allowances for up to half of medical spending.
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Episode allowance levels are determined by the employer. Our standard offering sets allowances at the 70th or 80th percentile in a region, so most care groups will have guaranteed prices below the allowance level.
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We only include episodes that are not emergency-related, so beneficiaries have plenty of time to review their options.
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We have price guarantees above and below the employer’s allowance level.
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Our Guaranteed Price Episodes can also be sold as stand-alone options that employers can integrate their existing benefit plans.
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Episodes are the best-performing value-based payment methodology and the only one that fosters competition.
Multiple Levers for Cost Control
Employers control how much they save by adjusting savings levers. Incremental savings can be realized by customizing the allowance, shared savings, the plan design itself and more.
Our Plans
Episode Benefit Plans offer key advantages over Narrow Network and Reference Based Pricing (RBP).
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Cost Control and Predictability
Unlike RBP plans that can result in unexpected bills, Episode Benefit Plans provide guaranteed prices for major healthcare episodes, allowing both employers and employees to know their costs upfront. This also differs from narrow networks which may have lower premiums but potential for higher costs if care is sought outside of the network.
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Freedom of Choice
While narrow network plans restrict provider options, and RBP plans may limit access if providers refuse the plan, Episode Benefit Plans allow you to choose any provider, putting you in control of your healthcare.
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Transparency
Episode Benefit Plans address the lack of transparency in healthcare pricing by disclosing the range of guaranteed episode prices for various providers, empowering informed decisions. RBP plans, on the other hand, can be complex to understand, and do not always provide clear cost information.
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More Savings
Episode benefit plans can lower employer and employee premium payments by 10% to 15%. The plans also offer incentives to encourage engagement in the consumption of health care services, which can drive another 10% – 15% in savings.
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Simplicity
Episode Benefit Plans simplify the health plan experience and help employees make informed decisions when choosing the site and provider of health care. RBP plans, by contrast, introduce complexity into healthcare decisions
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.