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Oscar

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639 User Reviews

8.3

Overall Score

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LAST UPDATED: December 7th, 2021

Key Details

  • Ability to Connect with a Doctor 24/7
  • No Referrals
  • Access to Dedicated Nurse and Care Guides

Summary

Founded by Mario Schlosser, Joshua Kushner, and Kevin Nazemi, Oscar is a newer name among health insurance providers. It has grown from its initial startup since its founding in 2012. The company values simplicity and communication, so it seeks to simplify policies in order to better cover the needs of its clients.

With Oscar, customers can find plans with health savings accounts (HSAs) and traditional health insurance plans for individuals and families. Oscar also offers Medicare. Oscar does not offer dental or vision coverage.

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Oscar Health Insurance was created to give customers a new, simple way to get health insurance and affordable care. Its plans include perks for things like reaching a fitness goal.

Oscar puts a strong emphasis on technology to cater to customers’ needs and add convenience to health care.

Another distinguishing feature of Oscar insurance is its Concierge team. Each team includes a registered nurse and a care guide who are available to assist you in finding network providers and answer basic health questions.

Open Enrollment for 2021 health care plans runs November 1, 2020-December 15, 2020. If you missed the open enrollment period, check to see if you qualify for a special enrollment period.

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The Good

  • Positive Customer Reviews
  • Plan Options Offered
  • Easy Quotes and Plan Comparison
  • Helpful Welcome Kit
  • Web Account and Mobile App
  • Unique Features
  • Helpful Concierge Team
  • Telemedicine Access

Positive Customer Reviews

Oscar has received many positive customer reviews on BestCompany.com. Reviewers frequently praise Oscar for its concierge team, customer support, and telemedicine access.

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Customer Review: Penny Altman from Van Nuys, California

"Oscar has always been there when I needed them. Their concierge team has answered all of my questions and they're always available. They pay their claims without any problems. Good network of doctors available. Overall, I have been very happy with Oscar compared to other insurance companies I have had in the past."

Plan Options Offered

The insurance provider tries to ensure that each Oscar customer finds an easy health care plan to suit their individual needs. Oscar offers both on- and off-exchange individual plans in all states in which it operates, plus small business plans in New York, New Jersey, and Tennessee.

Under the Affordable Care Act on- and off-exchange plans must cover essential health benefits, like primary care, hospital stays, and mental health services. (The health insurance exchange is a government-created marketplace, also called the health insurance marketplace.)

Oscar's coverage options include: Health Savings Account (HSA)-compatible plans and self-funded options.

From the company's website, it's unclear what kinds of networks Oscar's plan options include. It's common for health insurers to offer plans with in- or out-of-network coverage.

For example, Health Maintenance Organization (HMO) plans only cover in-network care, except in emergencies. Preferred Provider Organization (PPO) plans cover in-network care and out-of-network care. Even though a PPO plan offers more flexibility with providers than an HMO plan, your out-of-pocket costs will typically be higher if you see an out-of-network provider than for seeing an in-network provider with a PPO network plan.

Oscar also offers Medicare Advantage plans. It does not offer Medicaid services.

Oscar offers three plan options:

  • Classic Plans 
  • Simple Plans 
  • Saver Plans

These plans are also organized using the metal tier system created by the Affordable Care Act. Depending on your area, each Oscar insurance product can be a bronze, silver, gold, or platinum plan. 

A bronze plan puts the most cost-sharing on policyholders and tend to have a lower monthly premium, while platinum plans put the least and tend to have a higher premium.

All Oscar Plans have free Doctor-on-Call telemedicine services, rewards for steps tracking, an Oscar Concierge team, and pre-deductible preventive care benefits to keep out-of-pocket costs to a minimum for both specialty and brand-name drugs.

Coverage for telemedicine is a rising trend in health insurance, so this offering makes Oscar a competitive insurance provider.

Oscar Classic plans generally match the policy and structures of most of the plans on the individual insurance market.

However, Oscar Simple plans are easier to understand, because clients only have one dollar amount to remember: all covered services are free after clients hit their deductible. This is because the deductible for an Oscar Simple plan is set at the same level as the maximum out-of-pocket amount. (Note: Care that happens before the deductible is met requires a copay, coinsurance, or full payment by consumers.)

Some Oscar Saver plans are HSA-compatible plans with low monthly premiums and a higher deductible. Members use the money in their HSA to pay for health care throughout the year.

Oscar Backup and Secure plans are a low premium, high deductible option designed for healthier people who was to save on upfront medical expenses.

Easy Quotes and Plan Comparison

Before becoming a member, potential clients can receive quotes on premiums from Oscar's website or by phone. With this tool, a customer can answer a few general questions about themself (zip code, age, how many people they want to cover) as well as about their expected medical needs in the next year. Through this brief process, Oscar can direct clients to the most cost-efficient health plan with the person's health in mind.

Individuals are then able to see all of Oscar insurance plans, costs (deductibles, copays, out-of-pocket maximums, and health insurance premiums, including government subsidies if you qualify), benefits, and recommended options to help decrease out-of-pocket costs.

Helpful Welcome Kit

After Oscar members pay the first premium, they receive a welcome kit, which includes the client's ID card(s), an in-depth look at the free perks and benefits, as well as the individual's Schedule of Benefits and Coverage. This welcome kit also has a "Health Care Cheat Sheet" to help break down all the details of the chosen insurance coverage within the individuals' plan.

Web Account and Mobile App

Lastly, Oscar offers a web account and mobile app to its customers. The online account and health insurance app allow users to search for health professionals covered by Oscar's plans, book appointments with healthcare providers, and view detailed doctor credential information and reviews to find the one(s) best suited to handle their specific needs. The Oscar app makes the features of the member portal more convenient to access on the go.

Members can call or message their Concierge team by simply clicking a button within the app. This app also provides members with a "Health Timeline", which contains their personal medical information and history such as appointments, prescriptions, lab results, and billing information.

Unique Features

Oscar has unique features that many other competing health insurance companies do not. One of these is the fast registration process. Because the company emphasizes simplicity, Oscar has taken many steps to remove the complication of choosing a health insurance plan and registering. It also seeks simplicity by providing efficient customer service, clarifying information on health insurance policy and potential medical expenses, and more.

Furthermore, instead of casting a wide net and contracting with every health care provider, Oscar has developed a curated network of medical groups and doctors in each of its service areas to ensure tighter integration and higher quality health insurance policy for members. Additionally, they use data science and complex modeling to assess network coverage, provider quality, and service volume to improve their offerings.

Oscar also provides rewards to customers who reach their step goals. Customers track their steps using the health apps that come with iPhones and Androids. When they reach their daily step goals, they can receive up to $240 per year.

Helpful Concierge Team

Oscar provides excellent customer support. They provide phone support from 8 a.m.-8 p.m. Monday-Friday local time in each of its markets, and 9 a.m.-5 p.m. on weekends. When clients call or secure message Oscar, you are connected to a Concierge team. Each Concierge team consists of a care guide and a registered nurse. This unique model provides customers with additional support.

In addition, due to the nurse's experience on the team, they can also handle clinical questions, including assessing a member's needs and connecting them with the proper type of doctor to address their needs. This assistance with scheduling appointments, finding a doctor, and care coordination are benefits of working with Oscar.

Concierge teams proactively reach out to members if they visit the ER or hospital unexpectedly to make sure they are okay and that they have done all the follow-ups the doctors requested.

Because they're familiar with you and use Oscar's powerful backend systems to see your history instantaneously, there is never a need to be passed off to another department.

The access to a concierge team to help you navigate your health plan and receive the care you need makes Oscar stand out as an insurance carrier. Other insurers offer similar case management services to members who meet eligibility criteria.

Telemedicine Access

Oscar also provides what they call Doctor-on-Call, a telemedicine service that lets members talk to a doctor 24/7 for free over the phone. This service is especially convenient for getting medical advice when you don't want to take a trip to the doctor's office.

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The Bad

  • Negative Customer Reviews
  • Limited Availability
  • No Dental or Vision Insurance
  • Limited Plan Types

Negative Customer Reviews

While a majority of Oscar's reviews are positive, it has also recieved a high percentage of 1-star reviews. Negative reviews are common for the health insurance industry. 1-star reviews mention difficulties with communication, finding an in-network doctor in the area, scheduling appointments, and billing issues. These issues are concerning, and Oscar is responsive to these reviews.

As you consider working with Oscar, pay attention to where reviewers are from. If reviewers in your area have good experiences, that's an indicator Oscar may be a good fit. If reviewers in your area are mostly negative, you may decide to work with another company.

Limited Availability

Oscar health insurance plans are only available to customers in some parts of the United States, including New York, New Jersey, California, Texas, Ohio, Michigan, Florida, Arizona, and Tennessee. Small businesses may also be eligible for Oscar coverage in California, Tennessee, New Jersey, and New York. To check availability, input your zip code on Oscar's website to see the plans available to you.

No Dental or Vision Insurance

Oscar health plans don't include dental or vision coverage, except for children under the age of 18. Many competing insurance providers do include dental and vision options.

Limited Plan Types

Oscar doesn't work with customers on Medicaid. Depending on your plan, you may get health care, prescriptions, and medical supplies from providers who take Oscar plans. This might mean you don't need a referral for a specialist, but it may also mean that you have no out-of-network benefits, except for emergency situations or if you sign up for out-of-area coverage as a small group customer. Be sure to understand how your health coverage works when looking for health care providers.

Oscar insurance customers should also make sure they understand the terms of their health care plan. They should understand under what circumstances they need prior authorization and what kind of coverage is available for pre-existing conditions.

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The Bottom Line

Finding affordable health insurance and a trustworthy insurer is an important step for finding affordable care. There are plenty of plans and health insurers to choose from. How good is Oscar health insurance?

While Oscar is a newer health insurance company, its plan offerings and simple process make its health insurance plans worth considering. If Oscar has a good network and a plan that meets your health and budgetary needs, it's a good option. Pay attention to what reviews from customers in your area say about Oscar.

Be sure to understand how a plan's network and coverage work before enrolling. If Oscar doesn't offer the kind of network plan you're looking for, you may need to consider another insurance company.

Because Oscar does not offer Medicaid, those seeking a Medicaid insurance policy should also find another health insurer.

Oscar offers a wide array of member tools and support options. Its mobile app and Concierge Teams offer customers abundant and easily accessible customer service.

For customers in the available states who are looking for these types of plans, however, an Oscar health plan is a fantastic option. Oscar boasts reasonable rates, several customer service contacts, a fast enrollment process, and offers free services with every health insurance plan.

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Star Rating

3.3

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639 Reviews

Review Breakdown

5 grade

41%

4 grade

16%

3 grade

8%

2 grade

5%

1 grade

31%

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encino circle Austin, TX

Oscar care team has extreme difficulty understanding the Oscar medical insurance policies and the benefits provided under their plans. They can't answer simple questions about what is covered. You have to provide them with actual billing codes or they can't tell you even basic coverage information. Even when you do provide billing codes, they still can't provide accurate information about what the benefits are under their own plans. I have spent hours on the phone with the customer care team trying to educate them about basic medical services to no avail. They simply don't know, and the information they do provide is nonsensical. This is a problem that happens over and over. Luckily most doctor's offices have a billing coordinator who knows more about Oscar's plans than Oscar does.

1 day ago

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Reply from Oscar

Encino, we are sorry to hear that you are frustrated and our team would like to learn more about what may have occurred. Please check your inbox for a followup message so that we may look into this for you.

Dec. 7th, 2021

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Cianna Schott College Station, TX

My experience with Oscar was far from good. I had a horrible experience with them as my provider. The app was great and the customer service representatives were always nice individuals but did not have a consensus or the same training. It took me OVER a YEAR to receive reimbursement for an out-of-pocket charge (that one of their representatives recommended I pay out of pocket and just fill out a reimbursement form for). Every time I called and spoke to a representative I had to tell the story all over again and they seemed to have difficulty finding my information, meaning they must not keep good records on their end. Many of their customer service representatives would tell me different things; one would say the check was in the mail then the following week I would call back to find out it still had not been mailed. No one took charge to follow up and make sure the claim was being processed, I had to always be the one to initiate anything and call them! Overall, I would not recommend using Oscar as your provider, you are better off searching elsewhere even if it means paying a little more it will be WORTH IT!

5 days ago

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Reply from Oscar

We are sorry to hear that you are frustrated and our team would like to learn more about what may have occurred. Please check your inbox for a followup message so that we may look into this for you.

Dec. 3rd, 2021

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Patricia Tucson, AZ

I live in Tucson AZ and I spend hours looking for Oscar network providers. Almost no places accept or have heard of this insurance. They also did not update their website, so the few providers that they have do not accept new patients when you call them even though in the web don't indicate the status. The only ones accepting new patients are resident students who and since they do rotations, you can't make appointments with them either within three weeks. I do not recommend this lame insurance. It's very frustrating.

6 days ago

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Reply from Oscar

We are sorry to hear that you are frustrated and our team would like to learn more about what may have occurred. Please check your inbox for a followup message so that we may look into this for you.

Dec. 3rd, 2021

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Hisari Jersey City, NJ

All Oscar services are super reliable, for eg when I ask for a doctor on call, I always get a call from a doc within 20-30 mins and its always free, I use doc on call 7-8 times a year. Oscar Health has completely changed how I interact with health care system.

1 month ago

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Reply from Oscar

Thanks for the love, Hisari! Don't hesitate to reach out if there's ever anything we can do to help.

Nov. 9th, 2021

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Bri T Newport Beach, CA

My husband and I have been members with Oscar for nearly 2 years, and I have to say that it is honestly the best experience I’ve ever had with health insurance. The app is amazing, the customer service is always great (reps are so nice and incredibly helpful), the Telehealth benefits are so convenient. I’ve used the service a few times, and I have been so impressed with how seamless it was. Highly recommend!!

2 months ago

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Reply from Oscar

Hi Bri, thank you for the kind words! We'll make sure we share your feedback with our team.

Sep. 28th, 2021

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J Rosten Kissimmee, FL

I was apprehensive about our retirement and getting new insurance. I did some research and found some really great comments about Oscar. They were relatively new to my state but the feedback from elsewhere was really good! Especially when compared to other contenders available to me. It’s been 2 years and I could t be happier. The concierge team is great and a super resource for help with all things. The online doctor/nurse appointments have been great and beyond easy to schedule! Especially with last years pandemic, it was an incredible resource. The app is just amazing. Everything you need and maybe don’t even know you need is on it. Very easy to navigate. Finding doctors was very easy and the concierge helped when it wasn’t. Love the company! PS - cover thyroid meds. It’s a MAJOR issue among women and would help so many women!

3 months ago

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Reply from Oscar

Hi there! Thank you for your feedback. We really appreciate it and will make sure our team receives your insights to help improve our member experience.

Sep. 6th, 2021

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Jessica Morris Clermont, FL

I love the ease of access of having my claims, prescriptions, bill pay, and lists of providers right at my fingertips with the app. Also, everyone I have spoken/chatted with through customer service has been wonderful. However, there is a noticeable lack of mental health providers. Within an hours’ drive of my home there is only 1 female psychiatrist (a necessity for my issues) who is taking new patients. Also, when I had a mental health crisis earlier this year it was difficult for me to find any quick help aside from just a hotline which isn’t effective when I knew it was a specific medication rather than a pep talk I needed. I hope Oscar can work on improving this lack of care.

3 months ago

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Reply from Oscar

Hi Jessica, thank you for the kind words! We'll make sure we share your feedback with our team.

Aug. 24th, 2021

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Leslie Fountain Fredericksburg, VA

I wasn't expecting the coverage that i received from Oscar Ins for the amount that i can afford, this company has been remarkable, the help staff is always there for me when i need them and the Care they provided was top notch, and they care about there members unlike some of the others Ins companies, I will be with them as long as they will have me!!! AMAZING

3 months ago

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Reply from Oscar

We're so happy to hear this, Leslie!

Aug. 24th, 2021

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Kansan_Texan_perspective San Antonio, TX

Pros - I appreciate the coverage of my cancer treatment. It saved my life. Virtual visits are great. Please consider a synchronous, real-time face-to-face audio & visual telemed connection between physician and member as another virtual option. The encounter summary is helpful as well. I especially appreciate the portal and ability to message the concierge team. The Amazon gift card for hitting step count goals was a huge motivation for my husband to exercise this year, and for me also before cancer treatments started. Cons - Wouldn't allow me to carry my deductible forward if I switched to another Oscar plan during the extended enrollment provided by the Biden administration, which would have been a tremendous and much needed financial relief while I can only work part-time during treatments for breast cancer. My main ADHD med, Vyvanse, is not on formulary. I am the sole breadwinner for my family. My ADHD is worse with chemo brain added. Vyvanse helps me be able to work and also treats the fatigue caused by cancer treatments. I was not able to afford Vyvanse until after I met my deductible. I couldn't work much anyway near the beginning of the year, but I am dreading Jan 1st again when I won't be able to afford it once again until I meet my deductible. Additionally, I am the psychiatrist/owner for the adult ADHD Maintenance Clinic in San Antonio. In my experience, Vyvanse is by far the best extended release option from the Adderall family of meds as far as efficacy and tolerability. For many patients, it is the only things that works for them to get through a whole work day without start to get write ups. ADHD includes very real safety risks for many otherwise highly functioning adults such as when driving, operating power tools, chopping vegetables, leaving the stove on, adhering to med regimens from other providers, etc. I highly recommend Oscar put Vyvanse on the formulary for the benefit & safety of its members and for Oscar as well. Part way through the year, my EOBs started showing that I owed a co-pay even though I had met my out-of-pocket deductible well before that and had many medical appts prior to that without co-pay accordingly. When I called, there was no clear logical explanation for the change. The speculated explanation offered was "squirrely" and did not hold up to my questioning of it to the rep. As a psychiatrist also doing psychotherapy, I've heard first-hand from various patients confidentially of insurance company unethical practices. For example, if a team isn't meeting their "numbers", a manager will say to reject 1/3 of all claims that day with whatever reason they can conjure up, to help their numbers immediately as well as in the hope that members will give up and not pursue reimbursement further. I voiced that the change without an explanation had the appearance of impropriety. For some reason I thought Oscar was up front and not like that, that Oscar genuinely wanted to help people, but during that incident, I started to wonder if Oscar may have started out good, but as time went on started reigning things in like other companies with unethical covert methods. I was initially told my concern would have to be escalated to a higher level and that would take a certain amount of time, but when I expressed how financially distressing that was and stressful to consider that being a barrier to my healthcare needs in the short-run, and stress at the prospect of my providers wrongfully requiring a co-pay I couldn't afford at the time,, and considering that I am still doing rigorous treatments to help prevent recurrence of breast cancer sometimes with 3 appts per week, and that level of stress in the past has caused high spikes in cortisol for me and weakened my immune system to the point that I got sick. I was tearful and explained cancer treatment co-pays were expensive and high very early in the year. For example, I had to pay $3000 right after Jan 1st to keep getting radiation therapy that would reduce my risk of cancer recurrence by over 56%. I am still paying off the other $3000, sometimes with money gifted or lent by family with their own financial problems. I could also only work very part-time due to treatments, and actually couldn't work about 2 months from the worst radiation burn the clinic had ever seen early 2021. Cancer treatment & inability to work as the breadwinner for my family used up our savings. I shared this financial stress info with the Oscar rep. Then the Oscar rep became very empathetic and was able to reassure me suddenly it would be fixed and I would see the change soon and that he would follow up with me, which he did. The whole ordeal was quite upsetting and had my stomach in knots. I kept wondering if I was either randomly selected to make things harder for me to cut costs to Oscar or if my high cost of treatments triggered someone to target me, possibly without realizing my difficult journey battling cancer (or heaven forbid, while knowing it). I started to worry if/how Oscar would be able to consistently meet my healthcare needs when my life is on the line. The way Oscar shows my deductible status to providers' staff looking me up to see if I need a co-pay frequently confuses them. When I meet the out-of-pocket max, it apparently stops making any changes to the meeting my deductible part. The staff will see what looks like I haven't met my deductible yet and I always have to direct them to look at the out-of-pocket part to see I met that. Sometimes staff will still be confused with that tip. Please change how this gets reported to the poor staff working in clinics and for members facing that confusion. Even with these problems, so far Oscar is still the best insurance I've had. I often recommend it to my patients.

3 months ago

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Reply from Oscar

Hi there! Thank you for your kind words and for bringing this issue to our attention. Please check your inbox for a message from our team.

Aug. 24th, 2021

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Jeff Dallas, TX

My family has been with OSCAR since Jan 1, 2020 and our experience has been incredible. I had a heart attack in 2020 and was more afraid of the fight over medical bills than I was of dying. I waited for the bill from the hospital and when the first bill arrived Oscar had paid its full balance to the hospital 16 days after I left the hospital. OSCAR assigned a Nurse and a single employee to me and I was told to send them every single bill I got so they could make sure I actually owed the money. Several doctors tried to balance bill me and Oscar went after them and got those charges wiped away. We received bills with things on them that Oscar said we should not have been billed for and weeks later those items were removed from our bill from the hospital and doctor offices. Now, get this......The Oscar nurse told me I had to select a cardiologist for regular follow up care. I told her I really liked the one that saved my life in the Emergency Room and placed the 3 stents. She checked, and he was not in network. 2 weeks later I got a letter from Oscar informing me that they had contacted the cardiologist I liked and worked out an agreement for me to get to see him in his office and it be covered as if he was in network. WHAT??! I have never heard of that! It was a hassle the first few times I went in because his staff would tell me my insurance (Oscar) was not accepted, and I would have to ask them to speak with their office manager who would then confirm that I was "a special case and we accept it for him". I have the letter in case anyone doubts the story. My advice to others is, use the Oscar App or website. You will see a "messages" section. Go there and you can communicate with a nurse that is assigned to you or a member of your "care team". Ask them to find you the specialist you are looking for and ask them to confirm that Oscar will pay for you to go to that doctor etc. You then have it in writing in case there is a problem. I DID have ONE problem that none of the care team could figure out. I kept asking different members and after a couple of months I was contacted there by a supervisor who took ownership of this very odd issue (I'm native American so there is a clause that if I am referred to a provider by an Indian Health Services Dr then the copay is waived. My Indian doctor is in Oklahoma and referred me to a doctor in another state where I live etc etc etc). He stayed in touch with me, and it did take a while but he fought and got it taken care of. CVS pharmacy is a train wreck disaster, but Oscar has not denied any medicine prescribed to any of my family. Virtual Primary Care is free (they send you equipment that connects with them) or you can use any regular doctor in their network, Virtual Urgent Care is free. The welcome kit is excellent. Since they are new, most doctors offices had never heard of them the first year I had it and that was a pain at times. But honestly, we have had nothing but an incredible experience with Oscar Health Insurance. We just had a "life event" and we resigned up with them again for all members of our family.

4 months ago

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Reply from Oscar

Hi Jeff, thank you for your kind words! We're happy to hear that our team was able to get you the care you needed. Please reach out if we can be of further assistance.

Aug. 6th, 2021

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Carol WIlliams Pompano Beach, FL

On oscar website/app you CAN'T read reviews of the Nurse Practioners nor can you directly message them. Also it is false advertisement -- you DO NOT have 24/7 access to DOCTORS nor NURSES. I actually enjoyed my first virtual visit with Astrid herself, I did. She was pleasant,empathetic, understanding,patient and took a very detailed thorough history, it was not rushed. It was everything that followed after the virtual visit that made Oscar Virtual visit a complete NIGHTMARE. A long story & 4 horrible encounters with both Oscar Virtual Care AND Quest. I could never recommend ANYONE to Oscar virtual visit— unless they are going to offer virtual therapy for people on this.: 1) You cannot directly contact your NP if you have any issues after the visit, meaning you cannot even message NP, but they can message you and end the consultation chat right after they send their message- It is very impersonal. this is a VIRTUAL health service- you should be able to send TEXT message to your NP after a visit, I understand not being able to CALL. 2) I spent an entire WEEK after reaching out to horrible customer service ( the same night I had the virtual visit) on Oscar to hear back from her. 3) She had accidentally made an incorrect diagnosis & lab order for me, which I could see in my chart- also causing UNNECESSARY blood tests to be ordered for me automatically—this is a human error due to the electronic health system(EHS) and it’s common, so to me ok no big deal-however when i finally got in contact with her a WEEK after re:incorrect diagnosis and incorrect labs ordered & she communicated well with me re: that and said she took it off—it was NOT OFF when i went to Quest labs (that is what the lab technician communicated to me). 4) She did not tell me I had to FAST for my labs— so first visit to Quest labs I booked my appointment, made my entire busy schedule around this appointment, only to my surprise they told me I could not do any of the lab test as I did not fast—I was Never communicated that and it was a complete waste of my time,energy ,money & outright inconsiderate. She is not even completely to blame to be fair- because I attempted to contact Quest labs & i could not - it sent me through this loop of call centres & I could not even contact the lab to ask them if i should fast for this lab or not—because i actually did do my due diligence as a patient and called to see if I needed to fast—could not get onto anyone—not quest labs OR oscar health care team. 4) I rescheduled my labs (& the appointments are FAR away), fasted & went again for the 2nd time to Quest labs—only to find out AFTER they took my bloods—that the 2nd lab order my NP made—was NOT in Quest labs system. They said she did not send it over— i showed them my phone with the order in oscar app and they still denied. I called oscar— they also denied it being their fault. Nobody wanted to be accountable & only the patient suffers.I spent literally 2 hours at Quest labs trying to sort this out with Oscar health care team by calling them and waiting an half hour, having to ask for a supervisor for them to simply FAX over my 2nd lab request form to Quest labs. And the lab wanted to stick me again --heck no. Is this how customer service and treatment of patients is? Disconnected, inconsiderate, detached and blatantly unreliable and DISORGANISED. I’m appalled. I would ONLY use virtual oscar care out of sheer desperation & due to my very busy schedule. And I need to follow up with my lab results. There are too many negative factors in this & Oscar & Quest really have a lot of work to do when it comes to good customer service, efficiency and collaboration. I’ve never experienced such a HORRID entire experience with health care providers in my life. I will stick to the traditional route of going in person to see a medical doctor and use the lab at that doctor’s office. Unless as I said, desperate & “convenience”. The irony of this is all is it was NOT convenient and it does not have modern VIRTUAL features. Again, this isn’t totally Astrid’s fault— i’m sure many people have great experiences with her and she remained polite & professional with me, I was referred to her by my sister who had no issues I had with her, Oscar or Quest. This just is not for me & these series of events were too awful to ignore. Good luck.

1 month ago

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Reply from Oscar

Carol, we are sorry to hear that you are frustrated and our team would like to learn more about what may have occurred. Please check your inbox for a followup message so that we may look into this for you.

Nov. 9th, 2021

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Crickett San Antonio, TX

I am so frustrated with Oscar I am in tears! I have a rare condition that has caused my shoulder bone to implode on itself. Where I should have a ball and socket I have a small square is shaped part on the end of my shoulder bone which just bangs around inside the socket and pops in and out of socket all day long. To say this is painful is a massive understatement. I can’t use my right arm at all, it even hurts just to put my palm face up. I am scheduled for shoulder replacement surgery tomorrow morning however it has still not been approved! They first said that they denied it because they didn’t have any information on why I needed it, (lie #1), my doctor had sent all of the clinicals with the original request. My doctor sent an appeal with all the clinicals again, they said it didn’t say “expedite “ ( lie #2) so they didn’t plan to review it for at least two weeks, knowing that my surgery is scheduled for Tuesday. My doctor sent another request this time making sure it said urgent across the front of the page. Then I’m told that the information wasn’t enough, they needed to do a peer to peer (lie #3)! My doctor called me and I called three-way with Oscar and then let the doctor and Oscar schedule the peer to peer but Oscar said the earliest he could get the peer to peer was 8:00 AM on Tuesday! My surgery was scheduled for 8 AM on Tuesday! My surgeon has pushed my surgery back to 10:30 in the hopes that the peer to peer will happen and I will have it approved in time to do the surgery at 10:30. I do not have high hopes for this, so far Oscar has not proven to be very trustworthy and seem to be doing everything they can to prevent me from having this much needed surgery. I was later told that I didn’t need a peer to peer, they could review it and approve it with the information they had but because the peer to peer was already scheduled they couldn’t cancel it and couldn’t approve it until the peer to peer had been done! I am so afraid that I will be at the hospital waiting to check in only to be told that Oscar once again “needs more information “. If this happens I will contact the Better Business Bureau and possibly Consumer Affairs. Even a nurse from Oscar said “this is ridiculous” but couldn’t help me either. I am the night before surgery crying and scared because of Oscar when I should be preparing for my upcoming surgery, I just don’t trust them to do the right thing because they have gone out of there way to not cover this urgently required surgery.

1 month ago

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Reply from Oscar

Hi, Crickett, we are sorry to hear that you are frustrated. Our team would like to learn more about what may have occurred. Please check your inbox for a followup message so that we may look into this for you.

Oct. 26th, 2021

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marielena halebian Burbank, CA

I could write a novel about what I LOVE about this Med. Ins. Co. The only negative is that I'm moving to a state that they are not participating it YET? If you are lucky enough to become a member do it.

2 months ago

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Reply from Oscar

Thank you for the kind words, Marielena. And let us know which state you're in — we'll keep you posted on any expansions!

Sep. 17th, 2021

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Anne New York, NY

Best - web site is easy to use, easy to navigate, easy to get info Worst - after the easy navigation in search of answers, the answer is almost always "we don't cover that", or "that doctor is not in our network" Positive - the $1/day for walking 12,000 steps Negative - why stop at $100? That's less than one-third of the year! My suggestion is making it at least half the year. Your rates are very high for the coverage you offer. At least you can give subscribers some impetus to stay healthy.

3 months ago

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Reply from Oscar

Hi Anne! Thank you for your feedback. We really appreciate it and will make sure our team receives your insights to help improve our member experience.

Sep. 6th, 2021

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Ryan Martin Clearwater, FL

You completely lose engagement with your app when your step tracking maxes out. There is no reason to open the app especially if you have auto bill pay on. You should do step tracking for 365 days a year ensuring every day engagement.

3 months ago

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Reply from Oscar

Hi Ryan, thank you for your feedback! Our team is always looking for member insights on the Oscar experience and we'll be sure to share your thoughts on engaging with our app. We are happy to hear that you are enjoying the step tracking feature!

Aug. 24th, 2021

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Glen Williams Columbus, OH

I don't understand why I have to jump through impossible hoops to get tier 1 Rx for free. You make me go through an emergency protocol with an online doc that has no idea about my background and then print off a 2ndary Rx card to take to my same pharmacy just give us the prices straight up it is a time suck and feels like i am being scammed by my insurance compant

3 months ago

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Reply from Oscar

Hi Glen, thank you for your feedback. Please check your DMs for a message from our team.

Sep. 6th, 2021

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Jayne Moore New York, NY

While I hate the US medical system and am bitter about extortionate health insurance, Oscar is by far the best I have ever used. For starters their user interface keeps it really simple and makes healthcare accessible - which I feel like the others actually go out of their way to do the opposite. They really break down coverage and make receiving care as easy as possible. They have a very clever app with an easy to reach team you can message about anything. They also merged with mount Sinai, so here in NY my best doctors are all under Oscar network. They even overcharged me once, and paid me back with a years interest on the charge - before I even noticed. They are very upfront and straight forward about things, so while yes, it's still US insurance and still exasperatingly expensive (and goes up considerably every year despite me being young and healthy), this is by far the best.

7 months ago

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Reply from Oscar

Hi Jayne, thank you for your kind words!

Apr. 23rd, 2021

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Scott K Lake Zurich, IL

Worst commercial I've ever seen where the black man indicates doctors don't believe an injured black child or adult because the color of their skin. I cannot believe you made a commercial about your services while tying in race. How low and desperate do you have to be?

3 weeks ago

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Reply from Oscar

Hi, Scott, there are barriers in our healthcare system that have created health inequity in many communities. One of these barriers has to do with how some Black patients are perceived by their doctors when they present with pain-related symptoms. In a recent study, 40% of first- and second-year medical students endorsed the belief that “Black people’s skin is thicker than white people’s.” Trainees who believed that black people are not as sensitive to pain as white people were less likely to treat Black people’s pain appropriately. Research also shows that health outcomes for minority patients are better when they are treated by providers who understand their race, culture, and religious preferences. In fact, the data states that when provided care that is culturally competent, individuals are 40% more likely to use needed health services, 22% less likely to delay seeking care, and there’s a 50% reduction in newborn mortality. Annals of Family Medicine has a peer-reviewed paper that digs deeper into some of this data.

Nov. 15th, 2021

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jabc chubg Queens, NY

He are the worst insurance you can get. They made everything extremely hard to access. Their concierge team is unbelievably bad. They provide uncertain answers to just get over with you. I had a concierge women named Eva who refused to call my doctor and do explanation and when I asked to talk to another person she hanged up on me.

3 weeks ago

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Reply from Oscar

We are sorry to hear that you are frustrated and our team would like to learn more about what may have occurred. Please check your inbox for a followup message so that we may look into this for you.

Nov. 12th, 2021

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Joe joe Delray Beach, FL

I was trying to sign up for a new policy over the weekend. I created an account, go to log in. I was told the new password was wrong. tried changing it 6 times still can't log in. I spent 30 minutes on the phone trying to get help singing in, 5 times being put on hold. The 6th time I had a customer service tell me we can't help with the password. She attempted to give me anthor phone number to call. i hung up 45 minutes later. My experience with osacr sucked.

1 month ago

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Reply from Oscar

Joe, we are sorry to hear that you are frustrated and our team would like to learn more about what may have occurred. Please check your inbox for a followup message so that we may look into this for you.

Nov. 9th, 2021

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lcook Placentia, CA

Oscar’s policy lead me to believe they cover more than they do. I’ve had such a hard time finding decent practitioners within Oscar, I now am stuck paying my monthly premium plus out of pocket for acupuncture, TMJ treatment, & go to Planned Parenthood for all reproductive health care. I had an urgent medical need last year & dealing with Oscar was useless, traumatizing, & expensive.

1 month ago

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Reply from Oscar

Hi lcook, we are sorry to hear that you are frustrated. Our team would like to learn more about what may have occurred. Please check your inbox for a followup message so that we may look into this for you.

Oct. 20th, 2021

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Pete Jensen Queens, NY

Providers in my area hate working with Oscar & I would say they even treat me poorly because they think their insurance plans are a joke. On several occasions I’ve had to change doctors because their offices dropped Oscar after bad experiences. Most recently, after spending many hours trying to find an in network doctor for my injured foot, and doing all the necessary steps virtually w Oscar, it took 2 months to get an appointment with someone who actually accepts Oscar. Oscar told me the copay would be waived, but they lied. I paid $250 out of pocket for a crappy doctor who didn’t even x-ray the foot. So, basically for nothing. Oscar told me the labs for yearly blood tests would be waived & Quest Diagnostics said they never got paid & they reported me to credit bureaus & my credit score went down because of this 80$ unpaid lab. Oscar is seriously terrible. They don’t cover anything. They have polite reps to make you think you’re in good hands, but my health has worsened because I can’t get care through Oscar. I’ve paid them over $40,000 the last 5-6 years & have barely used them for anything but when I need care, it’s impossible, they don’t cover, I pay out of pocket, and spend hours doing the paperwork to no avail. THEY ARE A CRIMINALLY DISHONEST COMPANY. I feel stupid for paying them every month & will switch at the new year. Please, for your own sake, find a different insurance company

2 months ago

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Reply from Oscar

Hi, James - We are sorry to hear this. Our team would like to learn more about what may have occurred. Please check your inbox for a followup message from our tam so that we may look into this for you.

Oct. 4th, 2021

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Sallie Mission Viejo, CA

THE WORST COMPANY EVER !! STAY AWAY FROM THEM AS THEY ARE CARELESS AND RUDE. My daughter is two years old and had a nasolacrimal duct probing and dacroplasty which was unsuccessful and per her prediatric ophthalmologist she has to do a second surgery to remove tossue scars and redo it and its a precedure done only by ocuplastic surgeon. I have researched ocuplastic surgeons in southern california who can do this on my two year old baby and only one doctor in UCI is able to do it for kids on her age. However oscar has an agreement with another doctor and the doctor we found was out of network . They told us that we can see an out of network provider if they open a case whoch took them 75 days to decide to Deny us from seeing him and they rather send us to a butcher eye doctor who does surgeries on all body parts and not just eyes and the doctor they referred us to does not have specialty for seeing toddlers but since he wants to charge our insurance he said he can. Oacar tols us we can weote our appeal and god knows how long that would take to be reviewed. My daughter's eye have been infected twice and the longer we wait it will be critical to do the surgery at all. My last call we were told that they can not even let us do the surgery. The doctor they referred has the worst rating and is the only one in whole southern california that is in network with them!! ACREW OSCAR AND ALL ITS HEARTLESS STAFF AND EMPLOYEES AND CARELESSS PEOPLE WHO PLAY OUR LIVES.

2 months ago

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Reply from Oscar

Hi Sally, we're sorry to hear about your recent experience with us. Please check your inbox for a message from our team.

Sep. 29th, 2021

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Sally P Liberty, MO

Oscar will force you to use your limited (20) visits a year Physical Theraphy prior to approving MRI. Leaving you very few for after knee replacement (dislocated knee). They will then deny payment to the primary care doctor who saw you while you were in the network hospital, claiming the provider is not in network. Yet they were assigned by the hospital. If there is any chance you will be having surgery, yes its less expensive but alot of claims will be denied. Also Oscars program that tell hospitals what you owe is always down. Oscars says for an update, but for like 1-2 months. That's not an update, thats a screwup.

2 months ago

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Reply from Oscar

Hi there, we're sorry to hear about your recent experience with us. Please check your inbox for a message from our team.

Sep. 21st, 2021

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JTNYC Queens, NY

I was diagnosed with breast cancer in June and need to have a double mastectomy to cure my condition. Typically this procedure requires a one night stay in the hospital. Oscar denied pre-authorization for my surgery saying that it’s an ambulatory procedure and should be release the same day. What’s terrifying about this that in the event of a complication at home, such as a blood clot, I have to take myself to a hospital and rush further danger to my health. My doctor is currently appealing on my behalf but it’s horrific that I she to worry about insurance covering a needed survey during a serious health scare. I feel like they care more about saving money than my health or my life.

2 months ago

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Reply from Oscar

Hi there, we're sorry to hear about your recent experience with us. Please check your inbox for a message from our team.

Sep. 17th, 2021

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[email protected] Austin, TX

The app is convenient, the concierge team is very polite and helpful (even though it can take days to receive a reply to a query posted on the weekend), and the co-pays and monthly premiums are competitively priced. The in-network Dr.s are often far away and a relatively small number of drugs are Tier 1a.

3 months ago

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Reply from Oscar

Thank you for your feedback! We'll make sure our plan design team gets your note about expanding our network and prescription benefits.

Sep. 6th, 2021

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ian Van Nuys, CA

I'm really enjoying Oscar. I love the easy of using the app. I find it strange I don't actually seem to set a PCP but I find it easy enough to find the doctor I like and make appointments with him.

3 months ago

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Reply from Oscar

We're glad to hear this, Ian!

Aug. 24th, 2021

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Esther Haynie Dallas, TX

Every time I reach out to Oscar with a question whoever I have interacted with, whether via phone, chat or email, my concerns and questions are handled in a professional, courteous and kind manner not to mention quickly.

3 months ago

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Reply from Oscar

Thanks for the kind words, Esther!

Aug. 24th, 2021

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Sheryl Brooklyn, NY

I have been a customer since 2013 when the exchange opened. I used to be a big fan of Oscar, going so far as getting friends to sign up because of the great service and benefits. It has been an increasingly disappointing experience that has significantly worsened in 2021. The customer service has been terrible, the policies opaque, and I am still considering whether to contact the Department of Consumer Affairs over my experience with Oscar when I had to deal with a Durable Medical Equipment claim this Spring. I have gotten factually incorrect information, I have waited for a call from customer service for days only to get a call (with no voicemail left) at 6pm on a Saturday and no way to follow up on the call I was desperately waiting for. I was told a person I had never been contacted by (and who never seemed to be in the office) was handling my case. I finally spoke to a manager who actually followed up with me, only to have her tell me she couldn't help me and that my problem was a known issue the company had no interest in solving. Her resolution was to tell me I should file a grievance. A nightmare for someone with a chronic illness like me who is simply trying to get my prescriptions filled. They also suspended my account immediately when I was a day late to pay premium (I paid it on the first of the month and the account was put into a grace period at midnight the night before), which caused a prescription to be rejected - again, not great when you have a chronic illness. Update 1 - Oscar did DM me (early Sept), and I responded with more details on my grievances, and have not yet received any acknowledgement of that message or a response nearly two months later. Update 2- Oscar responded to this update (late Oct) saying that the matter was escalated internally and someone will contact me. I will be waiting to see if that happens.

3 months ago

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Reply from Oscar

Hi Sheryl, please check your DMs for a message from our team!

Sep. 6th, 2021

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Becky Winter Springs, FL

My experience with Oscar has been a pleasant one. I contact your customer service I get all my questions answered without any problems. I’ve used your virtual urgent care and that was a great experience.

3 months ago

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Reply from Oscar

Hi Becky, we're so happy to hear about your experience with Virtual Urgent Care!

Aug. 24th, 2021

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Vginestra Boca Raton, FL

It seems like Oscar is trying to make a difference. It seems to be more "reachable" and in touch with the needs of the insured. Less bureaucracy and more results. The quality and availability of the service providers may need some significant improvement.

3 months ago

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Reply from Oscar

Thank you for your feedback! We'll be sure to share this with our team.

Sep. 6th, 2021

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Felice Cohen Hyannis, MA

Have been with Oscar for a few years. Always easy to use the website, the app, get calls back from doctors, get scrips. Loved the encouragement with the Amazon gift card, but disappointed that it went from $240 max a year to $100, while my monthly cost went up substantially.

3 months ago

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Reply from Oscar

Hi there, thank you for your kind words! We'll make sure our team gets this feedback related to step tracking rewards. Please know that our plan design team is always looking for ways to bring reduced health care services to you.

Aug. 24th, 2021

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Lori Miami, FL

Easy access and payment to providers [except for one outstanding issue]. Approval of medical work I needed done with no hassles. Website is easy to use to find providers, monitor billing, pay premiums, etc.

3 months ago

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Reply from Oscar

So happy to hear you're enjoying Oscar, Lori!

Sep. 6th, 2021

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Gatcha Brooklyn, NY

Oscar is amazing. My only concern is that Oscar does not cover my method of birth control (nuva ring) only the generic which is problematic and not effective. So I pay $160 every month for birth control. It’s a fortune. I am upset.

3 months ago

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Reply from Oscar

Thanks for the feedback! Please check your DMs for a message from our team.

Sep. 6th, 2021

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Whciv Houston, TX

This year, 2020, was my first year with Oscar Health in San Antonio, Texas. It was our first time on an ACA plan. I did a lot of homework before deciding on Oscar. I must say that I have been extremely impressed with Oscar. We have used the Concierge Service many times. They are always helpful and go out of their way to find doctors and facilities. We’ve used the TeleDoc and it worked perfectly. Called us within 15 minutes and had a prescription within 1 hour at the local CVS. Oscar has also quickly approved our medical tests without much fuss. My only complaint is that Oscar has decided to raise rates 2021 in our area. I have decided to renew again but probably cannot if they raise rates again. More ACA plans are moving into our area every year.

11 months ago

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Reply from Oscar

Hi there, thank you for your kind words! Please also note that we will make sure to take your feedback to our team.

Jan. 12th, 2021

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Jeff Fisher Dripping Springs, TX

Got the insurance because it cover a specific doctor. Prescriptions was just a bonus. Went to get 2 of my diabetes meds filed. One was 500 bucks with a coupon and the other 300 bucks with a coupon. Paying 748.00 a mouth for premiums. This is a prim example of the insurance company's not caring about there customers and only interested in the bottom line.

2 months ago

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Reply from Oscar

Hi there, we're sorry to hear about your recent experience with us. Please check your inbox for a message from our team.

Sep. 21st, 2021

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Dcool2128 Aurora, CO

My family of four pays over $1400 a month. Here's what we get. My wife had thyroid cancer and removal years ago. We've never had issue with insurance paying for her ongoing testing until Oscar. Her recent blood work showed elevated levels requiring further testing and a scan to determine where the cancer cells are. Oscar denied it. Not only was it denied but we were told to set up a peer to peer call with her doctor to do an appeal and Oscar refused to even do the call. They refused a peer to peer call even though we were told that we should have her doctor make that call. Over $1400 per month and they won't even connect with her physician to discuss the need for the testing. How much are they going to cover for chemo when she needs it since they won't pay for the scan to help stop it now?

3 months ago

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Reply from Oscar

Hi there, we apologize for this experience. Please check your DMs for a message from one of our team members.

Sep. 6th, 2021

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Mark Osborn San Antonio, TX

Oscar has lied and manipulated it’s way out of covering medical expenses they told me they would cover prior to treatment. I am working with TDI to have issues resolved and now working to file a lawsuit. Oscar has a history of deceptive practices and has faced a major class action lawsuit before and they were found guilty of wrong doing. Many doctors in San Antonio, very good doctors, do not accept Oscar anymore because they are so difficult to work with. My doctor dropped them and when I went to a new doctor recommended through the Oscar app for an annual physical, the doctor found a way to manipulate the codes so I was charged for my free annual physical and Oscar refused to reimburse. Great places like Texas Med Clinic and Walgreens don’t work with Oscar anymore either. Their customer service reps are trained like dogs to be as polite as possible but they lie for Oscar and are useless in resolving real issues. You’ll hit a wall fast with customer service when you have a real issue and if you happen to talk to a rep on the phone, you’ll be able to tell that they are mostly decent people who agree with you and know what Oscar is doing is wrong but they have to stick to their script, even the managers. My advice is stay far away from this company.

3 months ago

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Reply from Oscar

Hi Mark, we apologize for this experience. Please check your DMs for a message from one of our team members.

Sep. 6th, 2021

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RichardK Lithonia, GA

I recently had to have back surgery, including all of the MRI's, etc leading up. Everything was approved by Oscar, and I assumed all would be handled professionally. I had to pay my portion up from to the Surgeon. They filed the claim over 3 months ago and it continues to be denied by Oscar for a myriad of reasons, none valid. As a result, I am out of pocket a significant amount more than I am supposed to be, with no end in sight. I also had to get an MRI and called on the day of, and was told that it was not yet approved, and I could pay out of pocket and then file a reimbursement form to receive my payment back. This was filed the over 4 months ago, and still no resolution. They now have told me to send a letter to the imaging center asking them to reverse the payment and process the insurance claim. What a major RUN AROUND from this insurer.

3 months ago

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Reply from Oscar

Hi Richard, thank you for bringing this to our attention. Please check your DMs for a message from one of our team members.

Sep. 6th, 2021

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Theresa School Jacksonville, FL

The website is very easy to navigate. If I had a complaint it would be that some services are not covered or very hard to get approved. The copay of coinsurance could be a little bit cheaper too!

3 months ago

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Reply from Oscar

Hi Theresa, thank you for your kind words and for sharing your insights with us. We understand that keeping costs low is important to our members. Our plan design team is always looking for ways to bring reduced health care services to you. We'll make sure our team gets this feedback.

Aug. 24th, 2021

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Richard Esposito Lindenhurst, NY

you make it impossible to get the simplest of treatments i needed gel shots for my knees you made it impossible for my dr. i provided a list of things you wanted done first and still denied me no other insurance co.makes people go through hoops like you do especially for this

3 months ago

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Reply from Oscar

Hi there, thank you for bringing this to our attention. Please check your inbox for a message from our team.

Aug. 24th, 2021

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KD Orange, CA

I guess with everything, you get what you pay for. In the case of Oscar, you have to pay for the gold or better plans in order to really get access to coverage. I have the silver classic select, and there are very few doctors, that I can actually see, Of those doctors, even fewer actually will even take me as a new patient. Access to specialty? Sure, on paper at least- but in reality, not so great. So my advice is stick with a larger company, United, Blue Cross, or pay even more to have broader access. The US Healthcare system is a disaster, and all insurance companies are not in the game to do more than make money so its a roll of the dice regardless, but I've had better experiences with larger providers. Oscar is a baby, and has a lot of growing up to do.

4 months ago

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Reply from Oscar

Hi there, thank you for bringing this to our attention. Please check your inbox for a message from our team.

Aug. 6th, 2021

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Suzanne Ohman Mission Viejo, CA

Oscar insurance has proven to be a great value with a large number of providers. Can’t beat a $5 co-pay! The provider list does not have a ton of information at this time, have to make the calls and view individual websites to make sure doctors’ are in-network.

5 months ago

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Reply from Oscar

We're glad to hear it, Suzanne! Please know that we also really appreciate your feedback and will take your insights back to the appropriate teams.

Jun. 24th, 2021

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Sandra Zarate Los Angeles, CA

I have had Oscar through Covered Ca for 2 years. There are so many providers, the costs for going in to see a doctor are upfront, right on my ins. card and they are so online friendly. Virtual visits and all!

5 months ago

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Reply from Oscar

Thank you for the kind words, Sandra!

Jun. 24th, 2021

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Logan Wiesner Fort Worth, TX

I have Oscar insurance in North Texas. (Medical City Hospital Network) I could not be happier. I am young and healthy so I chose a high deductible plan. I recently needed surgery on my elbow. Even with my cheap plan and no coinsurance up to my deductible, Oscar's insanely efficient network saved me so much money. The ER bill was originally over $3000, and with the in-network price it came out to only $550 (again, I am not even close to meeting my deductible so no coinsurance.) The surgery came in at under $1000. I used to have a higher priced, higher coverage plan with United Healthcare and the cost of care was still higher than with Oscar. Also, there are no referrals necessary for seeing specialists, meaning throughout the entire process of getting surgery I never had to have any interaction with Oscar. No red tape, authorizations, etc. Just the care I needed. Drug prices with Oscar are insanely cheap, I have never paid more than $3 for a prescription. (Usually less than a dollar at CVS) You can look up drugs on the app and see what you will pay ahead of time. Their Doctor on Call service is fantastic, free, available 24/7 and has saved me hundreds in copays this year. Concierge team is great in that I get back to the same people every time I have a question or need help. Overall, if you can deal with a more limited network Oscar is a great choice and extremely cost efficient. If you have major health issues and want to see specific doctors, traditional insurance might be better for you. However if you are in a similar situation to me, Oscar is the clear choice in North Texas and it is not even close.

1 year ago

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Reply from Oscar

Hi Logan, thank you so much for your kind words! We're happy to have you as part of the Oscar family. Please reach out if you ever need anything.

Nov. 24th, 2020

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David Plummer Glendale, AZ

My experience with Oscar has been the most pleasant with all the different insurers I have used since I became disabled. ACA, despite the many claims otherwise, has made heathcare affordable for me. Unfortunatley, experience with health insurance companies hasn't bee consistent. But Oscar keeps my medication costs under control. I have MANY provider options, including the doctors I used prior to 2020. - UPDATE as of November 2020, I remain highly impressed with Oscar. It is by far the best health insurance company I have worked with since I had to transition to Marketplace plans in 2015. Network is sufficient. My actual health care costs in 2020 are down significantly from 2019, however, a good part of this is the handling of copayments and coinsurance in light of the COVID-19 pandemic. Customer service has been great. It is so helpful to be able to access the site outside normal business hours. I hope a question and within the next day, I will have a response. After the range of experience I've had from Marketplace insurance companies, Oscar gets my highest review.

1 year ago

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Reply from Oscar

This is great to hear, David! We want our members to have the best experiences with Oscar. If there's anything we can do for you, please send us a DM and we will follow up.

Aug. 25th, 2020

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Devin Cutter Long Beach, CA

Oscar has been a great insurance company. As much as you can love an insurance company, I have really enjoyed being a member of Oscar. They do a great job making things as simple, convenient, and easy to understand as possible. My favorite experience has been utilizing their app for services such as "Doctor on Call" or prescription refills. It's so convenient to have immediate, direct communication with knowledgeable health professionals and it truly offers peace of mind. The minimalistic user interface of both the app and online portal are simple to navigate and find information. I would recommend Oscar as an insurance company to anyone.

1 year ago

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Reply from Oscar

Thanks for the love, Devin! We appreciate it and will be sharing your feedback with our team.

May. 22nd, 2020

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Mel Palm Coast, FL

This is my first year with Oscar and I feel very fortunate that I chose them. Almost as soon as my policy went into effect, I got very ill and was hospitalized. I’m still recovering to this day and require specialists for my condition. Throughout it all, Oscar has been amazing. Any questions I’ve had were answered quickly. They even check up on me from time to time to make sure my recovery is still headed in the right direction. I had one little hiccup where a claim was denied but I contacted Oscar about the issue and they got in touch with the doctor. It turns out that the doctors office coded the visit wrong. Before I knew it, everything was fixed. My only disappointment so far has been with having such a small network of doctors; however, they are relatively new in Florida and I have to say it’s getting much easier to find in network doctors in my area. I see a lot of negative reviews from people in other states, but here in Florida they are amazing. The severity of my condition was difficult enough to deal with...but Oscar took care of everything else so I could just focus on getting back on the road to being well again. I highly recommend them in Florida. ❤️

1 year ago

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Reply from Oscar

Hi Mel, thank you for your kind words! We're so happy to have you as part of the Oscar family. In regards to our network, our team is always evaluating our partnerships with providers to ensure our members have access to care in all of our markets. Please feel free to reach out if you ever have questions.

Apr. 5th, 2020

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SNewhardt San Antonio, TX

Superlative Customer Service with their concierge program and 24/7 Doctor on Call! Our experience with Oscar so far has been quite good. Yes, you are limited on docs and pharmacies, but we have had great doctors, and CVS is everywhere. Our in network hospital is one of the best in town. Our son got sick while out of state, and the Doc on Call was able to help us, get him a Rx, and virtually shopped with me on the phone for OTC items at CVS while I was waiting for the Rx. The Doc was free, the scrip was 5.00. If you are tech savvy, you will love Oscar. I do everything on my phone, and I love all the things I can do on my mobile.

2 years ago

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Mason M Los Angeles, CA

Oscar is a great health care option for individuals like myself living in the Los Angeles area. It is affordable especially for individuals under 30. Its network of doctors COULD be larger, there are not many urgent cares to go to which is what I use most when I get sick. Have not used their doctor on call option which might be a good alternative to going to a urger care (I hope) Their app is great, makes it very easy to contact someone if you have questions with the online chat feature. Overall I would totally recommend Oscar. Im also rarely sick so not sure if its a great option for someone who goes to the doctor all the time? But great for individuals like myself who are averagely pretty healthy.

2 years ago