You might be surprised at how much your health plan can do for you.

You might be surprised at how much your health plan can do for you.

Better Breathing program Chiropractic care Find a great doctor or hospital online World-class customer service Nutrition counseling Childhood immunizations Discounts on magazine subscriptions 1 Allergists

Not just when you re all stuffy, but every day of the year. Day in. Day out. Week in. Week out. Year in. Year out. You can now make the most of your health plan anytime. Your health plan and all the health-related programs that go with it is designed for your well being. For one thing, we like our Members. And for another, we want you to think of us as the company that always promotes good health. Your health. Your kid s health. Your neighbor s health. To see what we mean, check out what s available under our health-related programs. Diverse programs that give you access to services you ll actually want to use like yoga classes and massage therapy. We also have acupuncturists, nutritionists and weight loss & smoking cessation programs. Even discounts on cool stuff like karate classes, sports equipment and organic food. 1 And just to prove we re not taking your health insurance coverage lightly, you ll find that practically every doctor and specialist in our network is either board certified or board eligible. 2 We also provide 24/7 access to our healthcare guidance line, where you can speak with live nurses. But in order to take full advantage of your health plan, you ll have to make the first move and turn the page. 1 Offers are valid through December 31, 2007. These discounts are offered in addition to, and separate from, the Member s benefit coverage through Oxford. These arrangements 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 time and without notice and are applicable to the items referenced only. Oxford cannot assume any responsibility for the products or services provided by vendors or the failure of vendors referenced to make available discounts negotiated with Oxford; however, Members should report any failure to receive discounts to Oxford Customer Service by calling the number on their Oxford ID card. 2 As of 1/1/07, this data represents all the participating providers except ancillary providers and hospitals. Dental and complementary and alternative medicine providers are included. Providers who are board certified in more than one specialty are counted for each specialty. Therefore, providers who are board certified in more than one specialty are counted multiple times.

Doctor Network With over 72,000 doctors, you can feel good about your choices 2 Annual checkups at no charge 3 Select an OB/GYN in addition to a primary care physician Board certified podiatrists Review a list of questions to ask your doctor

Never underestimate the value of a good doctor. A broad choice of doctors can help you feel at ease. That s why you ll find literally thousands of primary care physicians and specialists in our network. This greatly increases the chance that you ll get in-network access to the doctor of your choice. Need a great doctor? Oxford s Freedom Network gives Members access to more than 72,000 physicians 2 and other providers who practice at over 101,000 sites, and to over 230 hospitals throughout New York, New Jersey and Connecticut Oxford s Liberty Network in New York and New Jersey gives Members access to more than 46,000 Liberty Network physicians 2 and other providers who practice at over 65,000 sites, plus access to thousands more Freedom Network physicians in Connecticut, Pennsylvania and Delaware 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 large majority of physicians in our network are either board certified or recently board eligible 2, one of the best available measures of physician quality. We also support continuing medical education to help our doctors stay at the top of their respective fields. Doctors decide the appropriate care for each of their patients Two-thirds of providers in the tri-state area stated in a recent survey that they would recommend Oxford to their peers or patients 4 Search for a doctor online: Step 1 Go to www.oxfordhealth.com Step 2 Under Get to Know Oxford, click Search for an Oxford Doctor 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 3 Some plans may require Member cost shares or have annual dollar limits. 4 Based on a survey by Ingenix, Q4/2006. Tri-state is defined as NY, NJ and CT. 1

Complementary & Alternative Medicine Migraines Joint pain Ways to better skin Nutritionists Massage therapy Aids to digestion

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 tri-state area s first fully credentialed network dedicated to complementary and alternative medicine (CAM). Today, it includes over 4,500 providers in the following fields: 5 Nutrition Chiropractic Medicine Naturopathic Medicine (CTonly) Massage Therapy Yoga Acupuncture An alternate way to get well The reason we can call our network fully credentialed is because our CAM providers must adhere to strict standards. That means: Meeting state licensure requirements Meeting clinical experience requirements and committing to continuing education in their discipline Having specialty certifications, where applicable Meeting malpractice requirements Becoming recredentialed every three years Our Members can learn more about Oxford s CAM network at www.oxfordhealth.com. Once there, it s easy to search for a CAM provider. Members may utilize Oxford s CAM benefit by: Contracted rate 6 (Applies to nutritionists, naturopaths [in Connecticut only], yoga instructors, chiropractors, massage therapists and acupuncturists.) 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, or paperwork. In most cases, this contracted rate reflects a discount from the provider s normal fee. Standard in-network benefits (Applies to chiropractors and naturopaths.) In certain regions, Oxford offers benefits for specific types of CAM care. For chiropractic 7 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. complementary & alternative medicine 5 Based on 1/1/07 provider data. Includes acupuncturists, chiropractors, massage therapists, naturopaths, nutritionists and yoga instructors. Provider type and availability vary by state and plan. 6 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. 7 If the Member has out-of-network coverage and accesses chiropractic care through a non-participating provider, the services will be reviewed for medical necessity. Members and providers can either request prior approval through TRIAD Healthcare, Inc. (a national chiropractic network) by submitting the Voluntary Prior Approval Agreement Form, along with an Initial Care 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.) 3

Oxford On-Call Laryngitis or strep throat? Poison ivy or poison oak? Natural hair loss or too much stress? Leg cramps or pulled muscle? Indigestion or food allergy? Call now or call later?

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. Ice or 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 Our 24-hour healthcare guidance line May recommend a visit to the emergency room, suggest an appointment with a physician or advise how to care for a problem at home May make follow-up calls to promote continuity of care Chat live with Members who access them through www.oxfordhealth.com At 3:00AM, Oxford On-Call is the next best thing to calling your mom. Especially when your mom s asleep. Oxford On-Call 5

Disease Management Ways to help manage your diabetes Better Breathing program Healthy cookbooks

Program Logos active care engagement Oxford On-Call Education. Encouragement. Expertise. Support. More specifically, what you ll find in every one of bonus management ourhealthy disease livingprograms. with diabetes Our disease management programs are developed by clinical teams and led by Oxford Medical Directors. Through these programs, we focus on educating and encouraging Members, as well as cultivating close complementary & communication between patient and physician. At the same we help keep our participating physicians heart smarttime, alternative medicine informed of the latest treatments, clinical practices and preventive guidelines. oxford healthy mother, healthy baby Some of our Disease Management active partner programs include: oxford cancer better Betterbreathing Breathing program An educational support program rogram Logos program for children and adults with asthma. This program aims to help Members learn more about asthma, the medications used to treat it, monitoring Disease Management devices, and how a healthy lifestyle can help Oxford On-Call keep asthma under control. Stacked Versions Create As Needed Livingwith with Diabetes program Designed to educate living diabetes Members with diabetes on their condition and to encourage them to work ogram Logos with their physician on a personal treatment plan to control their diabetes. This program healthy complementary & guidelines and ogram Logos oxford cancer promotes the use of the most recentbonus American Diabetes Association treatment support program alternative medicine Program Logos heart smartwith educational provides Members materials, including healthy cookbooks. ne Oxford On-Call Oxford On-Call active care ACE program is a health management Active healthy Care Engagement program Oxford s oxford mother, (ACE) Oxford On-Call engagement healthy baby program for high-risk Members with congestive heart failure (CHF), coronary artery disease and/or program is designed to help Members manage their condition to improve their health status and diabetes. livingthe with diabetes qualityliving of life.with Member support includes lifestyle modification, education on the disease process, symptom diabetes oxfordand cancer healthy bonus management, medication adherence. support program living with diabetes heart smart Heart Smart program This program helps Members with cardiovascular disease (CVD) and heart smart complementary & heart congestive heart failure (CHF) who are not in thesmart ACE program understand and improve their health alternative medicine andas quality of life. Materials are available to help educate Members about hypertension, cholesterol management, oxford healthy mother, sions Create Needed healthy baby lifestyle modification, and the immediate and long-term needs associated with medication compliance. oxford healthy mother, healthy baby oxford healthy mother, active partner healthy baby oxford Oxfordcancer Cancer Support Program Education plays an important role in the early detection of support program oxford cancer cancer. And it s no less important in the treatment phase. For this reason, we offer individualized case support program oxford cancer As a part of the program, nurses and/or ealthy bonusmanagement with&specific oncological for Members diagnoses. bettercomplementary breathing support program alternative social workers regularly medicine contact our Members to provide information, support, telephonic assessments, and e ne educational materials. Nurses also work in concert with Members physicians to support and reinforce their plans and emphasize symptom management. ons Createtreatment As Needed sions Create As Needed Stacked Versions Create As Needed 7

Active Partner Childhood immunization reminders Tips for colic Mammogram reminders Tips on postnatal care Oxford Healthy Mother, Healthy Baby

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. Preventive exams and screenings can provide Members with either a clean bill of health and piece of mind or provide early detection of a condition which may become more serious if left unchecked. To help keep our Members healthy, Oxford developed Active Partner preventive mailings to remind them 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 Colorectal screening 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 This program complements the care expectant Members receive from their doctors with educational information on prenatal and postnatal care, as well as childhood immunizations. How we help you stay healthy Self-Help Library Educational guides are also available for Members with asthma, diabetes and depression to help them learn more about self-care, treatment guidelines and how to prevent complications. Members may receive these materials after they are diagnosed or upon request. active partner 9

Healthy Bonus Discount Programs 1 Discounts on vitamins Karate classes Gym discounts Home fitness equipment

Discounts to the gym. Discounts to the spa. With Oxford, staying in tip-top 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. 8 Apparently, helping to keep you on your toes is what keeps us on ours. The Healthy Bonus program includes: Chelsea Piers 50% discount on the standard initiation fee and lowest member dues, plus discounts at the golf center, field house and sky rink Natural and organic products 15% off all products at www.mothernature.com $50 off a one-year subscription to FIJI Water home delivery Magazine subscriptions Today s Caregiver magazine, 40% off 1-yr subscription Pilates Style TM magazine, 6 issues for $9.95 Yoga Journal, 8 issues for $11 Omni Fitness 10% on fitness equipment 15% off accessories Puritan s Pride vitamins 10% savings on 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 The Spa Finder Company 10% off all gift certificates STOTT Pilates TM 15% off suggested retail prices on STOTT Pilates videos and equipment Tiger Schulmann s Karate TM $49 for one month, plus a free uniform Weight Management programs 15% off an online program, plus a free 45-minute consultation at Living Lean, LLC, 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 Discounts that are good for you healthy bonus For a complete listing of our Healthy Bonus offers, Members log on to www.oxfordhealth.com. 8 Offers are valid through December 31, 2007. These discounts are offered in addition to, and separate from, Members benefit coverage through Oxford. These arrangements 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 time and without notice and are applicable to the items referenced only. Oxford cannot assume any responsibility for the products or services provided by vendors or the failure of vendors referenced to make available discounts negotiated with Oxford; however, Members should report any failure to receive discounts to Oxford Customer Service by calling the number on their Oxford ID card. 11

www.oxfordhealth.com Research vitamins at PuritansPride.com Search for the best hospital for a hernia operation Tell us about that new person in your life Search for a doctor Information for new or soon-to-be parents Request new materials, order a new ID card, or check a claim

You might be surprised at how much a web site can do for you. At www.oxfordhealth.com, Members can search for a provider, check referrals, get a new ID card, access their benefits and personalized healthcare information and more. All with a few simple keystrokes. Here are some of the resources available on our Member web site: KidsHealth Advice for all new and expectant parents; sign up for an enewsletter Complementary & Alternative Medicine Get information on the program or find a provider in your area Subimo Healthcare Advisor TM and PharmaAdvisor TM Online resources for researching the best hospitals and/or treatment options, and comparing drugs or research alternatives, respectively Healthy Bonus Member discounts on wellness-related products and services Oxford Healthy Mother, Healthy Baby they receive from their doctor Information for expectant mothers to complement the care Healthy Mind Healthy Body magazine Health-related articles including prevention and nutrition Health forums Timely health and well-being information plus an audio library Health Risk Assessment Online health assessment tool to help Members create goals for healthcare behaviors they wish to change At www.oxfordhealth.com, Members can: Search for a doctor Check: - claims, benefits, referrals Change: - PCP, address, e-mail, user name Request: - ID card, forms, rosters Notify us of pregnancy and birth E-mail Customer Service View online benefit documents: - Summary of Benefits (SOB) - Certificate of Coverage (COC) - riders, banner page, privacy notice A web site that s easy to use didn t come easily. We re always enhancing it based on feedback from our Members. Then again, nothing worthwhile ever comes easy. Members can simply click Member on the www.oxfordhealth.com home page and see how we re working to help them get into healthier habits. New users should click the Need to Register button and follow the instructions. www.oxford health.com 13

Customer Service Call us when you have a simple question or in a time of stress Consistently quick response times Interactive web site Trained, courteous and knowledgeable service associates All service associates receive timely refresher courses

Good old-fashioned customer service. You know. With the emphasis on customer. And service. At Oxford, all of our Service Associates undergo a rigorous training program and receive refresher courses on a regular basis. Whether it s a simple question, a call in a time of stress, a call from the emergency room to check benefits, or a call to ask questions about a claim, we want to respond quickly and accurately. When Members call, they talk to someone specifically trained to handle their 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 well trained Service Associates Our interactive web site, www.oxfordhealth.com, where Members completed an average of 3.7 million self-service web transactions in 2006 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. 9 Because every day is different, we offer health-related programs that you can take advantage of night or day. Not just when you feel lousy, but when you re feeling great, too. It s called getting more value for your dollar. And, with Oxford products, it s simply one of the many benefits we build into every health plan we offer. 9 Excluding periodic downtime for server maintenance. Customer Service 15

www.oxfordhealth.com 2007 Oxford Health Plans LLC. Oxford s HMO products are underwritten by Oxford Health Plans (NY), Inc., Oxford Health Plans (NJ), Inc. and Oxford Health Plans (CT), Inc. and Oxford s insurance products are underwritten by Oxford Health Insurance, Inc. and Investors Guaranty Life Insurance Company. MS-07-302 8875 R1