1<!DOCTYPE html> 2<html lang="en"> 3<head> 4 <meta charset="UTF-8"> 5 <meta name="viewport" content="width=device-width, initial-scale=1"> 6 <title>For Employers â Spend 10% to 25% less. Cut nothing. | OxbridgeHealth</title> 7 <meta name="description" content="The Episode Advantage Health Plan lowers cost 10â25% without limiting network access, raising deductibles, or shifting more to employees. Broad networks, better math."> 8 <link rel="icon" href="favicon.svg" type="image/svg+xml"> 9 <link rel="icon" href="favicon.ico" sizes="any"> 10 <link rel="apple-touch-icon" href="apple-touch-icon.png"> 11 <link rel="preconnect" href="https://fonts.googleapis.com"> 12 <link rel="preconnect" href="https://fonts.gstatic.com" crossorigin> 13 14 <link rel="stylesheet" href="https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;900&display=swap"> 15 <link rel="stylesheet" href="style.css"> 16
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20 21<site-header cta-text="Get a quote" cta-href="#calculator"></site-header> 22 23<main id="main"> 24 25 <!-- Hero + Calculator --> 26 <section class="section--hero" id="calculator" aria-labelledby="h1" data-cta-hide> 27 <div class="container grid split-7-5"> 28 <div data-reveal-group> 29 <span class="overline" data-reveal>For employers</span> 30 <h1 class="display-xl" id="h1" data-reveal style="line-height:1.15">Spend 10% to 25% <span class="u-arc">less.<svg viewBox="0 0 100 16" preserveAspectRatio="none" aria-hidden="true"><path d="M3 13 Q50 3 97 13"/></svg></span> Cut nothing.</h1> 31 <p class="lede" data-reveal style="margin-top:18px;max-width:none;line-height:1.8">The Episode Advantage Health Plan lowers cost without limiting network access, raising deductibles, or shifting more to employees. Broad networks. Better math.</p> 32 <div class="btn-row" data-reveal data-hero-ctas style="margin-top:26px"> 33 <quote-modal btn-text="Get a quote" btn-class="btn btn--primary"></quote-modal> 34 </div> 35 </div> 36 <div data-reveal data-reveal-delay="2"> 37 <div class="instrument instrument--dark" id="savingsCalc"> 38 <div class="sc-slider-band"> 39 <div class="rng-block" style="margin-top:0"> 40 <div class="rng-row"><label for="scEmployees">Employees on your plan</label><span class="rng-val" id="scEmployeesVal">250 employees</span></div> 41 <input class="rng" type="range" id="scEmployees" min="50" max="5000" step="10" value="250" aria-describedby="scLive"> 42 <div class="rng-ticks"><span>50</span><span>1,000</span><span>2,500</span><span>5,000</span></div> 43 </div> 44 </div> 45 <div class="sc-result-band"> 46 <span class="calc-out__label">Estimated annual savings</span> 47 <span class="calc-out__big" id="scRange">$558K â $930K</span> 48 <span class="calc-out__sub" id="scPepm">$2,232 â $3,720 per employee, per year.</span> 49 <p class="sc-stoploss">Plus 15â25% off stop-loss premiums.</p> 50 <span class="visually-hidden" id="scLive" aria-live="polite"></span> 51 </div> 52 <div class="sc-disclaimer">Assumes $12,400 avg. annual spend per employee, 15â25% savings.</div> 53 </div> 54 </div> 55 </div> 56 </section> 57 58 <!-- 3. Where savings come from --> 59 <section aria-labelledby="wf-h2"> 60 <div class="container"> 61 <div class="section-head" data-reveal style="max-width:none"> 62 <span class="overline">Dependable savings</span> 63 <h2 id="wf-h2">Where the savings come from.</h2> 64 </div> 65 <div class="cards-3 cards--top-bar" data-reveal-group> 66 <div class="card" data-reveal> 67 <h4>Episode allowances</h4> 68 <p style="color:var(--muted);font-size:0.9375rem;margin-top:6px">Set a master allowance â typically the 60thâ90th percentile of local guaranteed prices. Whatever the employer sets the allowance to, that percentage of care groups will fall below the allowance</p> 69 <span class="chip chip--save" style="margin-top:12px"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5"><path d="M5 12l4 4 10-10"/></svg>10â20% baseline savings</span> 70 </div> 71 <div class="card" data-reveal> 72 <h4>Price transparency & shopping</h4> 73 <p style="color:var(--muted);font-size:0.9375rem;margin-top:6px">Members see real, guaranteed prices â not fee schedules â and choose accordingly.</p> 74 <span class="chip chip--save" style="margin-top:12px"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5"><path d="M5 12l4 4 10-10"/></svg>Up to 10% incremental savings</span> 75 </div> 76 <div class="card" data-reveal> 77 <h4>Bundled-payment contracts</h4> 78 <p style="color:var(--muted);font-size:0.9375rem;margin-top:6px">Providers accept one contracted price for the full episode.</p> 79 <span class="chip chip--save" style="margin-top:12px"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5"><path d="M5 12l4 4 10-10"/></svg>Up to 10% additional savings</span> 80 </div> 81 </div> 82 <p class="idea-tail" data-reveal style="text-align:center;margin-left:auto;margin-right:auto;max-width:600px;border-left:none"><strong>These savings “stack”</strong> and vary based on engagement.</p> 83 </div> 84 </section> 85 86 <!-- 4. No cuts + proof (Mint) --> 87 <section class="section--mint" aria-labelledby="keep-h2"> 88 <div class="container grid split-7-5" style="align-items:center"> 89 <div data-reveal>
90 <span class="overline">Nothing taken away</span> 91 <h2 id="keep-h2">No benefit cuts. No narrow network.</h2> 92 <p style="margin-top:16px;color:var(--muted)">Most cost-cutting takes something away. This doesn't. Employees keep broad networks and routine care works exactly as before.</p> 93 <p style="margin-top:14px;color:var(--muted);font-size:0.9375rem">Structure it like an HMO, PPO, reference-based-pricing, or copay plan â with one upgrade: guaranteed prices on expensive episodes.</p> 94 </div> 95 <div data-reveal> 96 <div style="display:flex;flex-direction:column;gap:12px"> 97 <div style="background:#fff;border-radius:12px;padding:18px 20px;display:flex;align-items:center;gap:14px;border:1px solid var(--rule)"> 98 <div style="width:32px;height:32px;border-radius:50%;background:var(--mint);display:grid;place-items:center;flex:none"><svg viewBox="0 0 24 24" fill="none" stroke="var(--green)" stroke-width="2.5" style="width:16px;height:16px"><path d="M5 12l4 4 10-10"/></svg></div> 99 <span style="font:500 0.9375rem/1.3 var(--font-body);color:var(--ink)">Your doctors</span> 100 </div> 101 <div style="background:#fff;border-radius:12px;padding:18px 20px;display:flex;align-items:center;gap:14px;border:1px solid var(--rule)"> 102 <div style="width:32px;height:32px;border-radius:50%;background:var(--mint);display:grid;place-items:center;flex:none"><svg viewBox="0 0 24 24" fill="none" stroke="var(--green)" stroke-width="2.5" style="width:16px;height:16px"><path d="M5 12l4 4 10-10"/></svg></div> 103 <span style="font:500 0.9375rem/1.3 var(--font-body);color:var(--ink)">Broad networks</span> 104 </div> 105 <div style="background:#fff;border-radius:12px;padding:18px 20px;display:flex;align-items:center;gap:14px;border:1px solid var(--rule)"> 106 <div style="width:32px;height:32px;border-radius:50%;background:var(--mint);display:grid;place-items:center;flex:none"><svg viewBox="0 0 24 24" fill="none" stroke="var(--green)" stroke-width="2.5" style="width:16px;height:16px"><path d="M5 12l4 4 10-10"/></svg></div> 107 <span style="font:500 0.9375rem/1.3 var(--font-body);color:var(--ink)">Familiar deductibles & copays</span> 108 </div> 109 <div style="background:#fff;border-radius:12px;padding:18px 20px;display:flex;align-items:center;gap:14px;border:1px solid var(--rule)"> 110 <div style="width:32px;height:32px;border-radius:50%;background:var(--mint);display:grid;place-items:center;flex:none"><svg viewBox="0 0 24 24" fill="none" stroke="var(--green)" stroke-width="2.5" style="width:16px;height:16px"><path d="M5 12l4 4 10-10"/></svg></div> 111 <span style="font:500 0.9375rem/1.3 var(--font-body);color:var(--ink)">
111Emergencies covered as always</span> 112 </div> 113 </div> 114 </div> 115 </div> 116 </section> 117 118 119 <!-- 5. Renewals you can predict --> 120 <section aria-labelledby="risk-h2"> 121 <div class="container"> 122 <div class="section-head" data-reveal> 123 <span class="overline">Renewals you can predict</span> 124 <h2 id="risk-h2">Renewals you can predict. </h2> 125 </div> 126 <div class="grid split-7-5" data-reveal style="align-items:center;gap:40px"> 127 <div> 128 <p style="color:var(--muted)">Episode allowances control your exposure on the spending that drives bad years. That predictability is why <strong>four reinsurers currently issue competitive employer stop-loss</strong> on the Episode Advantage Health Plan.</p> 129 <p style="margin-top:16px;color:var(--muted)">Price guarantees are backed two ways: by providers under bundled-payment contracts, or by highly rated insurers and reinsurers. Either way, the price holds.</p> 130 </div> 131 <div class="card" style="text-align:center;padding:32px"> 132 <span style="display:block;font:700 2.5rem/1 var(--font-display);color:var(--green)">4</span> 133 <span style="display:block;margin-top:6px;font-weight:600;color:var(--ink)">reinsurers issue stop-loss</span> 134 <span style="display:block;margin-top:8px;font-size:0.875rem;color:var(--muted)">on plans with Episode Advantage</span> 135 </div> 136 </div> 137 </div> 138 </section> 139 140 <!-- 6. Promote employee engagement --> 141 <section class="section--paper" aria-labelledby="engage-h2"> 142 <div class="container"> 143 <div class="section-head" data-reveal style="max-width:none"> 144 <span class="overline">Employee engagement</span> 145 <h2 id="engage-h2">Promote employee engagement and provider competition.</h2> 146 <p class="lede" style="max-width:none">Give your employees the agency to lower their own out-of-pocket costs and help you save money. Introducing the simple innovation of shopping for complete episodes of care at fixed prices â with a generous allowance you determine.</p> 147 </div> 148 <div class="grid split-5-7" data-reveal style="align-items:start;gap:40px;margin-top:32px"> 149 <div style="display:flex;flex-direction:column;gap:20px"> 150 <div style="display:flex;gap:14px;align-items:flex-start"> 151 <span style="flex:none;width:32px;height:32px;border-radius:50%;background:var(--mint);display:grid;place-items:center;color:var(--green);margin-top:2px"><svg width="16" height="16" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5"><path d="M22 11.08V12a10 10 0 1 1-5.93-9.14"/><path d="M22 4 12 14.01l-3-3"/></svg></span> 152 <p style="color:var(--muted)"><strong>135 episode types</strong> are live, covering about 43% of a typical employer's health care spending â the vast majority of controllable, plannable spend.</p> 153 </div> 154 <div style="display:flex;gap:14px;align-items:flex-start"> 155 <span style="flex:none;width:32px;height:32px;border-radius:50%;background:var(--mint);display:grid;place-items:center;color:var(--green);margin-top:2px"><svg width="16" height="16" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5"><path d="M22 11.08V12a10 10 0 1 1-5.93-9.14"/><path d="M22 4 12 14.01l-3-3"/></svg></span> 156 <p style="color:var(--muted)">Pricing is built from claims data representing roughly 40% of commercially insured people in served markets, with <strong>70,000+</strong> guaranteed-price episodes in each operating region.</p> 157 </div> 158 <div style="display:flex;gap:14px;align-items:flex-start"> 159 <span style="flex:none;width:32px;height:32px;border-radius:50%;background:var(--mint);display:grid;place-items:center;color:var(--green);margin-top:2px"><svg width="16" height="16" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5"><path d="M22 11.08V12a10 10 0 1 1-5.93-9.14"/><path d="M22 4 12 14.01l-3-3"/></svg></span> 160 <p style="color:var(--muted)">Live now for self-funded employers in <strong>Texas, New Jersey, New York, and Connecticut</strong>.</p> 161 </div> 162 </div> 163 <div class="cards-2" style="display:grid;grid-template-columns:1fr 1fr;gap:16px"> 164 <div class="card" style="text-align:center;padding:24px 16px"><h4 style="color:var(--green);font-size:1.75rem">70k+</h4><p style="color:var(--muted);font-size:0.8125rem;margin-top:4px">guaranteed-price episodes per region</p></div> 165 <div class="card" style="text-align:center;padding:24px 16px"><h4 style="color:var(--green);font-size:1.75rem">135</h4><p style="color:var(--muted);font-size:0.8125rem;margin-top:4px">episode types live today</p></div> 166 <div class="card" style="text-align:center;padding:24px 16px"><h4 style="color:var(--green);font-size:1.75rem">~43%</h4><p style="color:var(--muted);font-size:0.8125rem;margin-top:4px">of typical employer spend covered</p></div> 167 <div class="card" style="text-align:center;padding:24px 16px"><h4 style="color:var(--green);font-size:1.75rem">4 states</h4><p style="color:var(--muted);font-size:0.8125rem;margin-top:4px">TX · NJ · NY · CT</p></div> 168 </div> 169 </div> 170 </div> 171 </section> 172 173 <!-- 7. 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