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Oscar Health Insurance Review

63 Customer Comments & Reviews - see all comments
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Founded in 2012, Oscar Health is a tech-based health insurance company that focuses on simplifying the typically complex search for healthcare while providing patient-centered services. Based in New York City, Oscar offers insurance in select ZIP Codes in the states of New York, New Jersey, Ohio, Tennessee, Texas, Arizona, Michigan, Florida, and California.

What's Included with Oscar?

  • Dedicated concierge to schedule appointments, resolve billing issues, give health advice (through a licensed nurse)
  • Free, 24/7 Doctor On Call service saves patients a visit to the doctor
  • Oscar Center provides exclusive primary care services (only in New York City)
  • Step-Tracking program earns rewards for meeting walking goals (up to $100/year)
  • No referrals
  • Free preventive care, including annual physicals and most vaccines
  • Request prescriptions by phone
  • Oscar Network includes nationally ranked "honor roll" facilities and specialists
  • Cost Sharing Reduction (CSR) plans available

Types of Health Insurance Plans

Businesses and Organizations Yes
Individuals and Families Yes
Short-Term Health Insurance No

Plans Reviewed

Backup Plan

The Backup Plan is ideal for generally healthy people who want to know they will be covered in case of a major injury or illness. With this plan, the patient has a choice of three metal levels with different individual deductibles and out-of-pocket maximums. Before meeting the deductible, the patient pays the full price for services like primary care, specialist visits, urgent care, labs, and all drugs. After meeting the deductible, all services under the Bronze and Silver levels are $0. Under the Gold level, they are 20% of the total cost.

BACKUP PLAN Bronze Silver Gold
Individual deductible $6,500 $4,500 $1,500
Individual Out-of-Pocket Maximum $6,500 $4,500 $4,500

Simple Plan

The Simple Plan is the signature Oscar plan. There are four coverage levels, including the Secure level, designed for people who only have routine care needs. With the Secure and Bronze levels, most services must be fully paid by the patient before the deductible is met. Under the Silver and Gold levels, most services have copays that range from $10 to $50, depending on the service. Once the deductible is met, all services under every Simple Plan level are 100% covered by the insurance. Additionally, since the deductibles match the OOP maximums, there is no cost-sharing under the Simple Plans.

SIMPLE PLAN Secure Bronze Silver Gold
Individual deductible $7,350 $7,350 $7,350 $4,000
Individual Out-of-Pocket Maximum $7,350 $7,350 $7,350 $4,000

Classic Plan

The Classic Plan follows the structure of traditional health insurance plans, which may be ideal for people with chronic illnesses who need ongoing care. Four metal levels are available, with the Platinum level offering no deductible and copays for every service. With the Bronze level, on the other hand, all services must be paid in full before the deductible is met. After the deductible is met, the patient pays 50% of the total cost for most services and copays for prescription drugs. The Silver and Gold levels are similar in that most services must be paid in full before the deductible is met. Once the patient meets the deductible, copays are charged for the different services, with the Gold level offering the lowest post-deductible copays.

CLASSIC PLAN Bronze Silver Gold Platinum
Individual deductible $4,000 $2,000 $600 $0
Individual Out-of-Pocket Maximum $7,150 $6,750 $4,000 $2,000

*Information stated above is for customers residing in the state of New York

Summary

Oscar sets itself apart from the competition with its wide range of plans. Any customer can find a plan that fits their health care needs—and their budget. Oscar also offers a variety of additional services at no cost, like a concierge that can help customers get the most out of their plan. Services like this really make a difference when it comes to customers deciding between plans. Consumers can receive an instant free quote online by entering a few personal details like zip code, age, and income. Unfortunately, Oscar is only available in New York, New Jersey, Ohio, Tennessee, Texas, Arizona, Michigan, Florida, and California, though they expect to expand to other states in the future.


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63 Customer Comments & Reviews

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Jeff
7/28/2021
I am so surprised at the other reviews. My family has been with OSCAR since Jan 1, 2020 and our experience has been incredible. I had a heart attack in 2020 and was more afraid of the fight over medical bills than I was of dying. I waited for the bill from the hospital and when the first bill arrived Oscar had paid its full balance to the hospital 16 days after I left the hospital. OSCAR assigned a Nurse and a single employee to me and I was told to send them every single bill I got so they could make sure I actually owed the money. Several doctors tried to balance bill me and Oscar went after them and got those charges wiped away. We received bills with things on them that Oscar... Read More


joanbead
6/24/2021
I have Oscar through the Marketplace. I am hoping to stay healthy until Nov. when I can dump them. Cannot even get basic routine care as they deny my primary care physician ( who take their insurance but they deny the claims on a bogus address problem) They offer no other viable options in my area. I am afraid to go and get my colonoscopy because I do not trust the coverage AT ALL.


siyami
6/4/2021
Worst care provider who only cares about their own pocket and bottom line, rejects diagnostic on critical care even when their own doctors recommend it. Never been so disappointed with a health care provider. Don't waist your money, they will reject treatment when you do need it.


M
michael
5/18/2021
Very disappointed in Oscar. I would not recommend them. They have referred me twice to a PT that is out of network and now I am being billed for using those out of network PT's that they recommenced. Horrible customer service. I can not find a in-network PT so I am stuck paying out of pocket.


cyntidrick
5/6/2021
They were new to Texas and had no coverage anywhere. I was happy to walk away from my accrued deductible to not deal with their inept money grab parading as an insurance company. Stay far away! This is actually the review of zekedumke4, but why waste an perfectly good review! THE WORST COMPANY EVER. Not one of the dozen doctors I called from their in-network list had even heard of Oscar, let alone was agreeable to their in-network designation. I too will happily walk away from the money I spent to get away from them.


zekedumke4
4/30/2021
They were new to Texas and had no coverage anywhere. I was happy to walk away from my accrued deductible to not deal with their inept money grab parading as an insurance company. Stay far away!


Howard H
3/31/2021
Oscar has is an amazing insurance company! They answer all my questions quickly, I have received excellent treatment and medical care.


Daniel S
3/11/2021
I have had to wait over a month to get a prior authorization for a medication I have been taking for 3 years for my Crohn's Disease. As a result of Oscars denials I had to miss a dose of my medication and run the risk of building antibodies due to Oscars thrifty negligence. Now because Oscar refuses to honor the principle of a deductible I have had to wait three months to see a Physical therapist for a problem I have been experiencing for the past year. What's the point of having health insurance and paying nearly $500 a month to be a member of a club that doesn't provide access to healthcare? My insurance card is nothing more than a very expensive wallet paperweight. This is the final... Read More


S
sheila
1/28/2021
I wish I'd read these other reviews before we selected Oscar for insurance. This company is terrible! My husband has been told by 2 specialty doctors that he needs an injection - Oscar has denied this request. How can an insurance company deny this when doctors are saying it is necessary? My husband also had difficulty getting a prescription refilled and his supply ran out before he could finally get Oscar to agree to cover this med. The med they finally agreed to was the same drug they denied except that the denied drug was the generic version of the one they approved. The one they eventually approved was far more expensive. Does that make any sense? We haven't even been with Oscar for... Read More


Dan I
1/12/2021
I wish I could give them negative stars. They are stealing your money. None of my doctors accept them or have heard of them in Iowa. Walgreens , CVS does not accept them.



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