HCSC vs. Oscar Insurance

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.

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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 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

Check out our full list of common questions about HCSC.

Oscar

Check out our full list of common questions about Oscar.

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HCSC and Oscar Insurance Contact Info