Perspectives
Narrow Networks: Good Intentions, Missed Opportunities
Narrow network plans were designed to lower healthcare costs by limiting provider access to “preferred” groups. But in practice, they often deliver:
- Member confusion over in-network vs. out-of-network
- Limited access and choice, especially in non-urban areas
- Disruption to established provider relationships
- No guarantee of value or outcomes
Oxbridge Health: A Better Path to Value
Oxbridge Episode Benefit Plans and the Episode Advantage Program offer a smarter, member-centered alternative.
We don’t just restrict networks—we redesign how care is delivered and paid for, aligning incentives across the entire care journey.
Comparison: Oxbridge Health vs. Narrow Network Plans
What Makes Oxbridge Health Different?
Episode Benefit Plans
- Replace high-cost, high-variation services (e.g., surgeries, maternity) with bundled episodes at transparent, guaranteed prices.
- Employer savings + member satisfaction.
Episode Advantage Program
- Layered onto existing plans (HMOs, PPOs) to carve out high-cost episodes and direct care to high-performing, fixed-price providers.
Smart Engagement, Real Choice
- We don’t limit access—we guide it. Members are empowered with tools, education, and concierge support to make high-value decisions.
The Best Expression of Narrow Network Intent
Oxbridge Health honors the core idea behind narrow networks—cost-effective, high-quality care—but delivers on it through:
- Smart, episode-based bundling with broad choice at member choice and value
- Integrated member navigation
- Transparent, predictable and guaranteed pricing
- Outcomes-driven provider alignment
No more forcing members into limited networks. We incentivize them into better care.