Oscar vs. Humana Insurance

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

Compare Health Insurance Rates in Your Area

Oscar vs. Humana: What You Need to Know

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.

Humana is a leading managed health care company founded by David A. Jones Sr in 1961 as a nursing home company called Extendicare. In 1972 Extendicare divested the nursing home business and moved into the hospital business. They changed the name to Humana in 1974.

To learn more about each company, you can check out the Oscar Overview and Humana Overview.

What is Oscar and Humana Insurance Rating?

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

Comparison Oscar Humana
Year Founded 2012 1961
Medicare Star Rating   3 stars (out of 5)
BBB Rating A+ A+
NAIC Complaint Index: 0.12%  
NAIC Complaint Index   0.40% for individual health

Pros & Cons of Oscar or Humana

Pros

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.
Humana
  • Humana Health Insurance is a trusted and reliable source for Medicare Supplements and Medicare Advantage.
  • Humana offers commercial health insurance options.

Cons

Oscar
  • Oscar Health Insurance is only available in New York, California, Texas, New Jersey, Ohio, Tennessee, Arizona, Florida, and Michigan.
Humana
  • Humana Health Insurance no longer offers individual and family health plans.

Oscar and Humana Mobile Apps Options

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.

The MyHumana app allows users to find doctors, hospitals, and pharmacies, view claims, and pay your bill. They also offer an app called Humana Pharmacy which helps you to manage your prescriptions.

Oscar Mobile App
iOS      4.8 2.5K users
Android      3.3 433 users
Humana Mobile App
iOS      3.1 561 users
Android      3.9 3,372 users

Oscar and Humana Enrollment Process

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 with SmartFinancial.

Each state has its own marketplace. If you’re not sure where to begin, visit https://www.healthcare.gov/.

Humana

You can begin the enrollment process here or you can have an agent assist you for several free health insurance quotes with SmartFinancial.

How to File a Claim with Oscar and Humana Insurance

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.

Humana

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.

Paper claims and encounters submission addresses for Humana medical claims:

Humana Claims: P.O. Box 14601, Lexington, KY 40512-4601

HumanaDental® claims: P.O. Box 14611, Lexington, KY 40512-4611

Humana encounters: P.O. Box 14605, Lexington, KY 40512-4605

Claim overpayments: Humana, P.O. Box 931655, Atlanta, GA 31193-1655

HumanaOne® claim submissions: HumanaOne, P.O. Box 14635, Lexington, KY 40512-4633

Common Questions About Humana and Oscar Insurance

Oscar

Does urgent care accept Oscar insurance?

Yes, urgent care accepts Oscar insurance, which also offers the even more convenient option of telemedicine, with which you can get a prescription after talking to a doctor on the phone.

Does Oscar's medical insurance cover therapy?

Yes, Oscar covers behavioral health and psychotherapy counseling with mental health providers that accept Oscar.

What is Oscar’s Step Tracking Rewards program?

The step tracking happens right in the Oscar app, which generates a custom step goal for each member each day. Each day they meet the goal, members earn $1 for a maximum of $100 in a year, delivered as an Amazon gift card, which members can collect once they’ve earned $20.

How to pay Oscar health insurance

You can pay online with a checking account or debit card at www.hioscar.com/member/payment. California members can also use a credit card. You also have the option of using the mobile app, phone (1-855-672-2755), and check or money order.

Check out our full list of common questions about Oscar.

 

Humana

Is Humana a good healthcare insurance company?

Humana is one of the better-known health insurance companies in the U.S. IT is financially strong and was rated A- by A.M Best, a respected insurance rating organization. Humana has been awarded by several organizations, like the Dorland Health Award for exceptional service. It also won the J.D Power and Associates Award for Highest Member Satisfaction for group health insurance in several states.

What states offer Humana Insurance?

Humana offers insurance in all 50 states but coverages vary by state.

Is Humana Insurance only for seniors?

Humana Insurance offers Medicare plans and group plans for employers. Currently, it is not offering individual & family plans (2020).

What are the different types of Humana plans?

For Medicare plans, Humana offers Medicare coverage options outside Medicare Parts A and B, long-term care, dental care, vision care, some transportation services, prescription coverage, DME coverage, overage for deductibles for Medicare Part A and Part B and more. It offers Medicare Advantage and Medicare Supplement plans.

Check out our full list of common questions about Humana.

Oscar and Humana Insurance Contact Info

Oscar Contact Info
Address 75 Varick St. 5th Fl, New York, NY 10013
Phone 1 (844) 392-7589
Website https://www.hioscar.com/
Facebook https://www.facebook.com/OscarHealth/
Youtube https://www.youtube.com/user/OscarHealthInsurance
Twitter https://twitter.com/OscarHealth
Linkedin https://www.linkedin.com/company/oscar-health/
Humana Contact Info
Address 300 E. Randolph St. Chicago, IL 60601
Phone 1 (800) 654-7385
Website https://www.humana.com/
Facebook https://www.facebook.com/Humana/
Youtube https://www.youtube.com/humana
Twitter https://twitter.com/Humana
Linkedin https://www.linkedin.com/company/humana/

Compare Health Insurance Rates for Free

Answer a few questions and let Penny find the best rates in your area.