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Oscar vs. Molina Insurance
Which health insurance company is the best option for you and your family? Compare Oscar and Molina 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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Oscar vs. Molina: 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.
Molina Healthcare was founded in 1980 by C. David Molina, an emergency room physician in Long Beach, CA. After seeing that patients were being turned away because the hospital would not accept Medi-Cal, he established his first primary care clinic in Wilmington, California in 1980. His goal was to treat the lowest-income patients. For 20 years, his son and fellow physician, J. Mario Molina, ran the company while he served as president and CEO. His younger son, John, was the CFO of Molina Healthcare. The two sons took over the company after their father’s death in 1996.
To learn more about each company, you can check out the Oscar Overview and Molina Overview.
What is Oscar and Molina Insurance Rating?
Which health insurance company is better? We've made it easy to compare companies side by side. See how Oscar and Molina ranked among the industry ratings.
| Comparison | Oscar | Molina |
|---|---|---|
| Year Founded | 2012 | 1980 |
| Medicare Star Rating | 3.5 stars (out of 5) | |
| BBB Rating | A+ | F |
| NAIC Complaint Index: | 0.12% |
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Pros & Cons of Oscar or Molina
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.
Molina
- Affordable coverage for underserved communities, like Medicaid and Medicare recipients.
- Affordable marketplace plans for people who do not qualify for Medicaid or Medicare.
- Popular mobile app makes it easy to stay on top of your account.
Cons
Oscar
- Oscar Health Insurance is only available in New York, California, Texas, New Jersey, Ohio, Tennessee, Arizona, Florida, and Michigan.
Molina
- Molina Healthcare only offers Medicaid plans in California, Florida, Illinois, Michigan, New Mexico, New York, Ohio, Puerto Rico, South Carolina, Texas, Utah, Washington, and Wisconsin.
Oscar and Molina 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 Molina app allows users to find doctors, hospitals, and pharmacies, view claims, and pay your bill.
| Oscar Mobile App | ||
|---|---|---|
| iOS | 4.8 | 2.5K users |
| Android | 3.3 | 433 users |
| Molina Mobile App | ||
|---|---|---|
| iOS | 4.6 | 1.6K users |
| Android | 2.9 | 351 users |
Oscar and Molina 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/.
Molina
Molina 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/.
How to File a Claim with Oscar and Molina 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.
Molina
To submit claims for reimbursement, contact member services at 1-888-898-7969. You can only inquire about 3 or fewer claims per call. You can also submit claim to: Molina Healthcare, P.O. Box 22668, Long Beach, CA 90801. You must make timely submissions of your claims or else you may forfeit your right to payment. For filing limits and instructions about electronic claims submissions with Molina Healthcare visit here.
Common Questions About Molina and Oscar Insurance
Oscar
What is Oscar's medicare advantage?
Medicare Advantage is the private version of Medicare. It is important to note that it’s not necessarily more expensive. To compare Medicare Advantage plans (Medicare Part C, which replaces Parts A and B), visit SmartFinancial's Medicare Insurance page.
Does Oscar cover dental?
Oscar does not offer dental or vision insurance, only medical.
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.
Check out our full list of common questions about Oscar.
Molina
Is health insurance from Molina healthcare good?
While complaints are common on BBB, Molina offers a competitive managed care option for Medicaid and Medicare recipients. It is generally well regarded by the underserved and lower-income communities who use it.
What are Molina’s dual options?
Molina Dual Options is a health plan that contracts with both Medicare and Medi-Cal to provide benefits of both programs to members. This plan is also called Cal MediConnect in California.
Does Walgreens accept Molina’s insurance?
As of January 1, 2017, Molina’s Medicaid pharmacy network no longer accepts Walgreens. Molina Medicare members, however, may continue using Walgreens. Walgreens does not participate in the Molina Marketplace pharmacy network.
Which dentists take Molina insurance?
Molina Healthcare covers dental services including oral surgery, x-rays, sealants, fillings, crowns (caps), root canals, dentures and extractions. It also covers a dental exam and one cleaning every six months. To find a provider, visit here and at the top of the page pick your state. At the bottom of the page, you’ll be directed to an online provider directory.
Check out our full list of common questions about Molina.
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Oscar and Molina 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/ |
| https://www.facebook.com/OscarHealth/ | |
| Youtube | https://www.youtube.com/user/OscarHealthInsurance |
| https://twitter.com/OscarHealth | |
| https://www.linkedin.com/company/oscar-health/ | |
| Molina Contact Info | |
|---|---|
| Address | 200 Oceangate, Suite 100, Long Beach, CA 90802 |
| Phone | 1 (562) 435-3666 |
| Website | https://www.molinahealthcare.com/ |
| https://www.facebook.com/groups/Molinaheathcare/ | |
| Youtube | https://www.youtube.com/user/MolinaHealthcare |
| https://twitter.com/molinahealth | |
| https://www.linkedin.com/company/molina-healthcare/ | |
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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