HCSC vs. Oscar Insurance

Which health insurance company is the best option for you and your family? Compare HCSC and Oscar side by side.

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HCSC vs. Oscar: What You Need to Know

Today HCSC serves over 15 million members with a variety of group and individual health care plans, services and life insurance products. As a pioneer in many states, HSBC was the first to do many things. In Illinois, HCSC was the first to provide coverage for bone marrow transplants, heart transplants and to provide group health insurance to rural and small communities as well as the first CareVan as a mobile immunization program. In Texas, they were the first to provide coverage for cancer treatment, catastrophic diseases like polio, leukemia and diptheria, and they provided healthcare starting at birth. They also provided coverage to migrant farmworkers in Texas. In New Mexico, HCSC was the first to offer PPO coverage, point-of-service coverage, electronics claims exchange with providers, customer service for large group accounts and in-hospital medical coverage on a per-visit basis. In Oklahoma, HCSC was the first to create a mobile health screening unit and free screenings for vision, hearing, glaucoma, blood and blood pressure.

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 HCSC Overview and Oscar Overview.

What is HCSC and Oscar Insurance Rating?

Which health insurance company is better? We've made it easy to compare companies side by side. See how HCSC and Oscar ranked among the industry ratings.

ComparisonHCSCOscar
Year Founded19292012
Medicare Star Rating3 stars (out of 5)
BBB RatingA+A+
NAIC Complaint Index:12%
NAIC Complaint Index0.40% for individual health

Pros & Cons of HCSC or Oscar

Pros

HCSC
  • 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

HCSC
  • HCSC only operates in 5 states: Illinois, Montana, New Mexico, Oklahoma, and Texas.
Oscar
  • Oscar Health Insurance is only available in New York, California, Texas, New Jersey, Ohio, Tennessee, Arizona, Florida, and Michigan.

HCSC and Oscar Mobile Apps Options

Each state has its own HCSC / Blue Cross Blue Shield app on iTunes and GooglePlay. The app allows users to find doctors, hospitals, and pharmacies, view claims, pay bill, and manage prescriptions.

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.

HCSC Mobile App
HCSC mobile app varies by State
Oscar Mobile App
iOS     4.82.5K users
Android     3.3433 users

HCSC and Oscar Enrollment Process

HCSC

HCSC offers plans through the health insurance marketplace. You can begin searching plans here or you can get several free health insurance quotes.

Each state has its own marketplace. If you’re not sure where to begin, visit Healthcare.gov. Remember that HCSC only operates in 5 states: Illinois, Montana, New Mexico, Oklahoma, and Texas.

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 its 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 HCSC and Oscar Insurance

HCSC

To submit electronic claims, you or your billing agent need to use a third-party claims clearinghouse vendor, like Availity. For paper claims, you need to complete the right claim forms.

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 HCSC Insurance

HCSC

How big is HCSC?

HCSC is the third largest commercial health insurer in the U.S.

Does HCSC cover asthma?

HCSC covers asthma and has invested heavily in asthma awareness in connection with the American Lung Association.

What is the HCSC care van®?

The HCSC Care Van® strives to prevent disease across the 5 states it covers using mobile health vans to serve underserved communities with preventive services and screenings for adults and children.

How does HCSC medicare work?

You can choose to receive all your Medicare benefits through a private insurer like HCSC or you can choose a Medicare Prescription Drug Plan (Part D) and get original Medicare A and B from the federal program. You can also add Medicare Supplement Insurance Plan, also called Medigap, to help pay for copays, coinsurance, and deductibles as well as other expenses.

Check out our full list of common questions about HCSC.

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.

Check out our full list of common questions about Oscar.

HCSC and Oscar Insurance Contact Info

HCSC Contact Info
Address300 E. Randolph St. Chicago, IL 60601
Phone1 (800) 654-7385
Websitehttps://www.hcsc.com/
Facebookhttps://www.facebook.com/healthcareservicecorporation/
Youtubehttps://www.youtube.com/user/HealthCareService
Twitterhttps://twitter.com/HCSC
Linkedinhttps://www.linkedin.com/company/blue-cross-and-blue-shield-of-illinois-new-mexico-oklahoma-&-texas/life/4548c167-e254-4ffd-a356-7892967212c3/
Oscar Contact Info
Address75 Varick St. 5th Fl, New York, NY 10013
Phone1 (844) 392-7589
Websitehttps://www.hioscar.com/
Facebookhttps://www.facebook.com/OscarHealth/
Youtubehttps://www.youtube.com/user/OscarHealthInsurance
Twitterhttps://twitter.com/OscarHealth
Linkedinhttps://www.linkedin.com/company/oscar-health/

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