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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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Veeba
12/2/2020
What a joke of an insurance, the "online dr" is a complete joke, they can't really do anything. These companies are on marketplace are here for 1-2 years, they make their money before people realize what a scam this is. There isn't a single doctor that is covered, my physician friend that was listed under this plan as a primary care and he said he never heard of them or had any communication from oscar. Worse of all they sent several emails on "free covid test" i got a covid test and got a $60 bill because oscar didn't pay and i even went to CVS that was listed as covered. When i called them oscar said CVS was using a non-FDA approved covid test. By the time people figure out this is a... Read More


shawnm
10/12/2020
OSCAR is a fraud Insurance Company. I have been insured since 2018. I did not use my insurance due to not needed. When I needed to use it on July 2020 then I found that OSCAR rejecting doctor test request, not paying doctors bill, not paying hospital bill as a result I was responsible for those bills. I have 3 appeals at DMHC.CA.GOV I have got 1st appeal and I am waiting for other 2 appeals.


K
Kevin H
10/12/2020
I signed up for Oscar Health insurance on September 1, 2020, and received a letter from them about a month later letting me know the plan I'm on will no longer be available at the beginning of 2021. They wrote I would be enrolled in a different plan that is $209 MORE PER MONTH without even asking me!!! DId they just decide in the last month to not offer this plan any longer? Is that they plan? If they already knew, then WHY WOULD THEY ALLOW ME TO SIGN UP FOR THE PLAN IN THE FIRST PLACE?!? I now have to go through this entire process again. On a side note: My daughter in college is having female issues, so we told her to contact one of the providers. After calling 20 providers... Read More


Diane S
7/22/2020
I chose this plan specifically because two of my doctors were on the provider list. Now I find out this is a lie. The copay is outrageous and I pay more for prescriptions, plus more a higher monthly premium.


Joseph C
4/30/2020
Oscar Health is an evil company owned by Jared Kushner. They ripped me off to the tune of about $20,000 by double-booking me for insurance for two years. Again, they are owned by Jared Kushner, the guy who kicks poor tenants out of buildings. What else do you need to know? They will not be there for you when it counts. They only care about their bottom line. Run, Run, Run from this company. Trust me!!!


williampfri
2/11/2020
This is without a doubt the WORST insurance EVER. If you are considering this company, consider this first. I chose this provider because my doctor was listed as a member doctor on this network...wrong . His office informed me that while they had signed up with Oscar they could not book an appointment using Oscar insurance. Oscar is new to Fl so I could overlook this for a month or so. It is now Feb, nothing has changed. I tried to book a specialist using Oscar. Same issue. I called Oscar and the customer service Rep said she would contact the Doctors I had spoken with and call me back. 3 weeks later I am still waiting. I sent Oscar an email. I received a reply 2weeks later saying... Read More


westdan10
1/8/2020
What a lousy company. I can't get my ID card even though I paid them 3 weeks ago. Oh, and good luck reaching the "concierge team." You'll be on hold forever.


A
Anne
12/3/2019
Oscar Insurance is the worst health insurance I have ever had! They refused to cover my Appendectomy, saying that it was not medically necessary. I am telling everyone that they should never buy this insurance, it is not worth. They have been ripping me off for a year. I have paid thousands in monthly premiums and have not gotten anything from them. They do not cover anything!!! It is a scam! Stay away!!!!!


Patito P
7/12/2019
Have oscar insurance since they came to Texas, I haven't have any problems with them, I had found doctors that I like and i love their Talk to a Doctor!! Feature it has work perfectly for me, I know how my insurance plan works and I am proactive when I need to use it , so I don't end up paying more than I have to, OSCAR INSURANCE IS THE BEST


K
Kirby K
5/3/2019
Oscar claims to be the solutions to healthcare and it turns out they made the problem worse. In May 2019 they fired the good doctors from their plan in San Antonio and only do business with the less capable/experienced doctors in the Baptist network that they feel they can control. My Bronze plan pays for nothing! $640+ and they won't even pay for part of the blood panel required for my annual physical. If when I signed up I knew I would lose all the doctors I do business with on May 1, I certainly would have not renewed them for the 3rd year. YOU ARE WARNED! Stay away - they are a young insurance company already desperately cutting benefits.



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