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CareSource vs. Oscar Insurance
Which health insurance company is the best option for you and your family? Compare CareSource and Oscar side by side.
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 Written & Edited by Fran Majidi Fran MajidiFran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about i... Read more |
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CareSource vs. Oscar: What You Need to Know
In 1989, CareSource was founded on the premise of providing quality health care coverage for Medicaid consumers. Today it offers one of the nation’s largest Medicaid managed care plans. CareSource also offers private health insurance plans on the Health Insurance Marketplace, including Medicare Advantage and MyCare Ohio plans. CareSource has more than 1.9 million members across five states. The company employs about 3,800 people and is considered a nonprofit organization.
In 2012, Oscar Ceo Mario Schlosser and his wife were preparing to have a baby and saw how difficult it was to navigate through the healthcare system. Schlosser’s friend, Josh Kushner, had also had a similar frustration in treating an injury. They founded Oscar Health on a hope to help consumers feel less powerless in managing their health. What makes Oscar different is the Concierge Team that guides members and handles customer service questions and coordination of clinical care.
To learn more about each company, you can check out the CareSource Overview and Oscar Overview.
What is CareSource and Oscar Insurance Rating?
Which health insurance company is better? We've made it easy to compare companies side by side. See how CareSource and Oscar ranked among the industry ratings.
| Comparison | CareSource | Oscar |
|---|---|---|
| Year Founded | 1989 | 2012 |
| Medicare Star Rating | 2.5 stars (out of 5) | |
| BBB Rating | A+ | A+ |
| NAIC Complaint Index | 7.17% | 0.12% |
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Pros & Cons of CareSource or Oscar
Pros
CareSource
- CareSource is one of a few options that lower-income, underserved communities have for a managed health plan.
- Affordable marketplace plans with different tiers of coverage.
Oscar
- Affordable marketplace plans with different tiers of coverage.
- Health plan concierges who offer guidance and answer questions.
- Very low complaint ratio, which means they offer great customer service.
Cons
CareSource
- CareSource has a high number of complaints.
Oscar
- Oscar Health Insurance is only available in New York, California, Texas, New Jersey, Ohio, Tennessee, Arizona, Florida and Michigan.
CareSource and Oscar Mobile Apps Options
The CareSource app allows you to view your digital ID Card, find a doctor, file claims, make payments and more.
The Oscar app allows you to access your health information anytime you need it. It allows you to search for doctors & drugs and even have virtual visits with a doctor.
| CareSource Mobile App | ||
|---|---|---|
| iOS | 4 | 1K users |
| Android | 3.3 | 397 users |
| Oscar Mobile App | ||
|---|---|---|
| iOS | 4.8 | 2.5K users |
| Android | 3.3 | 433 users |
CareSource and Oscar Enrollment Process
CareSource
CareSource is available through the health insurance marketplace by searching plans here or you can get several free health insurance quotes here.
Each state has their own marketplace. If you’re not sure where to begin, visit https://www.healthcare.gov/. Also, remember that CareSource only covers Ohio, Kentucky, Indiana Georgia and West Virginia.
Oscar
Oscar Health Insurance offers plans through the health insurance marketplace. You can begin searching plans here or you can get several free health insurance quotes here.
Each state has their own marketplace. If you’re not sure where to begin, visit https://www.healthcare.gov/. You can also schedule a personal appointment with a local Kaiser Permanente Medicare specialist: 1-866-973-4588.
How to File a Claim with CareSource and Oscar Insurance
CareSource
CareSource accepts claims in various formats, including paper and electronic claims. Reimbursement is based on the prevailing state Medicaid or Medicare fee schedule. With Marketplace Plans, you can make claims inquiries at (866) 286-9949 (Indiana), (855) 852-5558 (Kentucky), (937) 224-3300 (Ohio), (678) 214 7500, (Georgia) and (855) 202-1091 (West Virginia). Visit your app or www.caresource.com to find the right claim forms for the state in which you live.
Oscar
Your doctor or care provider should submit a claim to the insurer. You should be covered except for copay. Your insurer will send you an explanation of benefits. If you owe anything, your doctor will send you a bill. If you visit an out-of-network provider, you will not be covered unless it was an emergency. Call 855-672-2755 with any additional questions.
Common Questions About Oscar and CareSource Insurance
CareSource
How do I know if I qualify for CareSource?
If you qualify for Medicare or Medicaid, you are eligible for CareSource. Your savings on their marketplace plans are also based on total household income. Government plans require that all incomes in the household be taken into consideration unless the person is not required to file federal taxes.
What states does CareSource cover?
CareSource covers Ohio, Kentucky, Indiana Georgia, and West Virginia.
How to cancel CareSource insurance?
Cancellation inquiries can be made at (866) 286-9949 (Indiana), (855) 852-5558 (Kentucky), (937) 224-3300 (Ohio), (678) 214 7500, (Georgia) and (855) 202-1091 (West Virginia).
Does CareSource require prior authorization?
Some procedures, like MRIs, MRAs, CT scans, CTA scans, and PET scans, require pre-authorization unless they are provided in an emergency department. All services that require prior authorization from CareSource need to be authorized before the service is rendered.
Oscar
How to cancel Oscar health insurance
To cancel Oscar health insurance, you can call Oscar health directly at 1-855-672-2788 or cancel using your account at healthcare.gov or your state’s health exchange marketplace.
How much can I save by switching to Oscar insurance?
Oscar Insurance has several options for health insurance, based on the different tiers that marketplace insurers use. Prices for plan vary from person to person but the average monthly cost for a 30-year-old is $162.09 pm the secure plan. The deductible, however, is $7,900. If you need emergency surgery, you’d have to pay the $7,900 before expenses get covered.
Is Oscar a good health insurance provider?
Oscar Insurance is a reliable company with positive ratings in customer service. Users find the online app and doctor on-call service helpful.
How to get Oscar insurance quote
You can get health insurance quotes here.
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CareSource and Oscar Insurance Contact Info
| CareSource Contact Info | |
|---|---|
| Address | 230 N. Main St., Dayton, OH 45402 |
| Phone | 1 (937) 224-3300 |
| Website | https://www.caresource.com/ |
| https://www.facebook.com/CareSource/ | |
| Youtube | https://www.youtube.com/watch?v=GU8XjYqtJ-0 |
| https://twitter.com/caresource | |
| https://www.linkedin.com/company/caresource/ | |
| Oscar Contact Info | |
|---|---|
| Address | 75 Varick St. 5th Fl, New York, NY 10013 |
| Phone | 1 (844) 392-7589 |
| Website | https://www.hioscar.com/ |
| https://www.facebook.com/OscarHealth/ | |
| Youtube | https://www.youtube.com/user/OscarHealthInsurance |
| https://twitter.com/OscarHealth | |
| https://www.linkedin.com/company/oscar-health/ | |
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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