Oscar Health Insurance: Overview

Oscar is a health insurance provider based in New York and offers coverage in 9 states.

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About Oscar

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.

In its first year, Oscar secured 16,000 members. In 2015, Oscar expanded into New Jersey and grew to about 40,00 members. In 2016, they had 145,000 members in New York, New Jersey, California, and Texas. They then expanded in Tempe, Arizona. In 2016, Oscar opened the Oscar Center in partnership with Mount Sinai Health System. The Oscar Center has a primary care practice with a doctor, nurse practitioner, and behavioral health specialist. It also hosts free yoga classes and classes for expectant mothers.

In 2017, Oscar entered the small group insurance market in New York. That summer, Oscar announced its partnership with Cleveland Clinic to offer individual health insurance plans to consumers in five counties in Ohio. Later that year, they also entered Tennessee, Texas, New Jersey, and California. 

A technology-focused health insurance company, today Oscar focuses on the health insurance industry through telemedicine. Oscar Insurance health plans are available through the health insurance marketplaces in New York, Texas, and California. 

Oscar Facts & Ratings

Year Founded2012
NAIC Complaint Index: 0.12%
BBB RatingA+

Oscar Mobile App Rating

iOS
     4.82.5K users
Android
     3.3433 users

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.

Pros & Cons of 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.
  • Oscar Health Insurance is only available in New York, California, Texas, New Jersey, Ohio, Tennessee, Arizona, Florida, and Michigan.

Oscar Enrollment Process

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/.

How to file a claim with 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

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.

What lab does Oscar insurance cover?

Quest Diagnostics is Oscar’s preferred lab so your preventive labs will be free if they are processed there. Not all labs participate with your health plan so make sure you’re going to a preferred lab.

Where is Oscar insurance available?

Oscar Insurance is available in New York, California, Texas, New Jersey, Ohio, Tennessee, Arizona, Florida, and Michigan.

What do Oscar's health insurance plans cover?

Oscar's health insurance plans cover a wide range of medical services and drugs. You have the option of selecting from different tiers, based on the coverage you anticipate needing. There’s an Oscar health insurance plan for every budget. Oscar also offers Medicare Advantage and Medicare Supplements.

Does CVS take Oscar insurance?

CVS pharmacy is Oscar’s preferred pharmacy in New York.

Is Oscar insurance a PPO?

No, Oscar is an Exclusive Provider Organization plan or EPO. Consumers receive coverage for in-network providers and they don’t need a primary care physician to refer them to a specialist. Out-of-network providers are only accepted in case of an emergency.

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.

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.

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
Linkedin https://www.linkedin.com/company/oscar-health/

Methodology

The information listed on this page is from our own in house research. It is accurate as of the article publish date. Visit the carrier website for additional information.


How does Oscar compare to other health insurance companies?

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