Oxford Health Plans grants 1st of the month and 15th of the month effective dates.  The only exception is if you are already an Oxford member and you are replacing an existing employer-sponsored Oxford Group or COBRA plan.  In this case, your new Oxford Individual policy will become effective as of the date of termination of your employer-sponsored or COBRA plan, thereby resulting in no lapse of coverage.

• Application
  
  Oxford Health Plans requires original signatures on all applications. Photocopies or downloads of the application with original signatures are acceptable, provided that the copy is clear and legible.  Click below to download the appropriate application:
  

  	Oxford Individual OHP Application (HMO Plans)
  	Oxford Individual OHI Application (EPO/PPO/Indemnity Plans)

  
  
• Payment for the first month's premium.
  
  Oxford requires a check payable to Oxford Health Plans.
  
  
• Certificate of Creditable Coverage (COCC)
  
  Applicants must provide a Certificate of Creditable Coverage or proof of prior coverage, if applicable, in order to avoid pre-existing condition penalties. This can be obtained from your previous insurance carrier.

All paperwork should be sent to eInsurancePeople at the address below.  For 1st of the month effective dates, paperwork must be received by the 23rd of the month prior to the requested effective date; for 15th of the month effective dates, paperwork must be received by the 10th of the month.

ID cards are sent to new members approximately 2 weeks after an application has been received.  In the event that a member requires medical attention prior to receiving an ID card, a copy of the Individual Application may be used as proof of insurance.

Members can verify coverage by calling the Oxford Individual Department at (800)767-3840.

Oxford offers HMO, PPO, and EPO plans for individuals and their families.

To determine which plan is right for you, please review the benefit summaries listed below:

To locate a physician, please refer to Oxford's online physician directory.

In order to upgrade your coverage, your application must be submitted during the month of November, which is the annual Open Enrollment Period defined by the state of New Jersey.  The upgraded plan change will go into effect on January 1st of the following year.  Due to New Jersey state law, upgrades in coverage cannot be processed as of your renewal date.

Members can downgrade coverage during any month of the year.  Changes will go into effect beginning with the next billing cycle (i.e., the first of the month).

For additional assistance with individual health plans, please email us at sales@einsurancepeople.com or call (888)400-4347 , to speak directly with a licensed representative.