<Date>

<Contact Name>

<Group Name>

<Address 1>

<Address 2>

<City, State> <Zip>

Dear <Contact Name>,

On July 29, 2004, Oxford Health Plans and UnitedHealthcare announced their consolidation, uniting two highly complementary organizations. This meets an important need in the tri-state marketplace by offering employer groups a comprehensive healthcare solution.

UnitedHealthcare will be removing its HMO products from the New Jersey small group market. These products will be closely matched by new products offered by Oxford Health Plans.

What this means to you today

This change will not impact your company’s healthcare coverage or administration until your renewal date of <Renewal Date>.

What this means to you upon renewal

Effective <Through Date>, your current UnitedHealthcare HMO product will not be renewed. Prior to your renewal date of <Renewal Date>, your company will be presented with new, comparable plan options through Oxford Health Plans. We hope your company will choose to enroll with Oxford.

Please note:

  • This product is being non-renewed consistent with N.J.S.A.17B:27A-23e.
  • A list of alternate carriers can be obtained by contacting the New Jersey Small Employer Health Benefits Coverage Program Board, P.O. Box 325, Trenton, NJ 08625-0325, or by calling 1-800-263-5912 and requesting a copy of the "Get the Facts" brochure.
  • All carriers offering small employer health benefits plans must issue coverage to any small employer group which requests coverage under a small employer health benefits plan, meets the participation requirements of the carrier, and pays the required premium for the coverage.

What this means to your employees

Employees can continue to use their benefits, under the terms of your current plan, until your renewal date of <Renewal Date>. If your company chooses to enroll with Oxford, your employees will enjoy a host of innovative Oxford programs and services. These include access to a series of discounts on health-related products and services through Healthy Bonus®, as well as a series of educational materials about such important health topics as asthma, diabetes, pregnancy, and more.

Please note that if your company chooses to enroll with Oxford, your employees will have access to the Oxford provider network. We do not expect significant access disruption for your employees. However, if an employee’s current UnitedHealthcare provider is not enrolled in Oxford’s provider network, he/she will receive appropriate notice for continuation of care, as required by law. Please note: Continuation of care is required for certain circumstances, which also determines the duration of the continuation period. Please refer to your Certificate of Coverage for more information.

If you would like to learn more about Oxford Health Plans, please log on to

We have enclosed the notification that will be sent to your employees for your reference. Oxford looks forward to serving your healthcare needs in the near future. Please contact your broker, or call 1-800-357-0978 with any questions related to this notice.

Sincerely,

Charles G. Berg

Chief Executive Officer

Oxford Health Plans, a UnitedHealthcare Company

Enclosure

NJ-04-1837