Oscar is a new name to the health insurance industry, but 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 their clients.

With Oscar, customers can find plans with health savings accounts (HSAs) and Exclusive Provider Organization (EPO)-based plans. Oscar does not offer dental or vision coverage.

View Oscar Reviews

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. 

Open Enrollment for 2019 health care plans runs November 1, 2018-December 15, 2018. If you missed open enrollment, check to see if you qualify for a special enrollment period.

The Good

  • Plan Options Offered
  • Member Resources
  • Unique Features
  • Customer Service

Plan Options Offered

Oscar tries to ensure that all clients find 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. 

Oscar's coverage options include: EPOs, Health Savings Account (HSA)-compatible plans, and self-funded options. Oscar does not currently offer any Medicare plans, including Medicare advantage plans. It also does not offer Medicaid services. 

The perks of EPO plans are that individuals do not need referrals to see a specialist, and they can use any doctor or hospital within the EPO network. However, EPOs (similar to HMOs) have no benefits for out-of-network facilities, except in emergencies. Be sure to check that your primary care physician is in-network. You should also know which hospitals, clinics, and medical centers are in-network. 

Oscar offers four plan options: 

  • Classic Plans 
  • Simple Plans 
  • Saver Plans
  • Backup Plans

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. 

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 is set at the same level as the maximum out-of-pocket amount. (Note: Care that happens pre-deductible requires a copay, coinsurance, or full payment by consumers.) 

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

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

Member Resources

Before becoming a member, potential clients can receive free quotes of 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. 

After clients pay the first premium, Oscar sends 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.  

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.

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 they pride themselves on simplicity, Oscar has taken many steps to remove the complication of choosing a health insurance plan and registering. It also seeks for simplicity by providing efficient customer service, clarifying information on health insurance policy and potential medical expenses, and more. 

Each member is also assigned to a Concierge team and a registered nurse, which allows customers to receive specialized service. This team can assist with finding doctors, booking appointments, coordinating care for complex or chronic medical issues, providing clinical guidance, and resolving billing or reimbursement issues.  

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 $100 in Amazon gift cards per year.

Customer Service

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. This unique model provides customers with additional support. Each Concierge team consists of a care guide and a registered nurse. 

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. 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. 

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. According to Oscar, 91% of all Doctor on Call visits end in a resolution without the caller needing an in-person doctor visit. In this sense, Oscar delivers on its emphasis on technology to make customers' experience more convenient.

The Bad

  • Limited Availability
  • No Dental or Vision Insurance
  • Limited Plan Types

Limited Availability

Oscar health insurance plans are only available to customers in 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.

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

All of Oscar's plans are EPO-based (Exclusive Provider Organizations), although they have different plan types available to small businesses offering out-of-area benefits. They don't work with customers on Medicare or Medicaid, and as a member, you must 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 also means 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.    

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.

The Bottom Line

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

Oscar has its advantages, but overall it's not a recommended health insurance company. Oscar has been in business for a short amount of time in, especially compared to other insurance providers, and only offers limited types of health plans. They are not an option for customers on Medicare or Medicaid. What's more, this company is only available in a handful of states; customers should check availability in their state before considering Oscar.  

For customers in the available states who are looking for these types of plans, however, this company is a fantastic option. They boast reasonable rates, they provide several customer service contacts, they claim a fast registration process, and they give free services with every health insurance plan.

View Best Health Insurance Companies

Disclaimer

As part of our service, we attempt to partner with all the companies that we review, and may get compensated when you click or call them from our site; however, regardless of any current, past, or future financial arrangements, companies listed on Best Company cannot buy their position, nor do we manipulate or inflate a company's ranking for financial gain. A company’s ranking is based on and calculated by an objective set of ranking criteria, as well as user reviews. For more information on how we rank companies, click here.

All user reviews posted on Best Company are subject to screening and approval. We reserve the right to approve or deny any review posted to this site in accordance with our Review Guidelines. Best Company never suppresses user reviews—unless they are being investigated for authenticity, or if they violate our review guidelines. We encourage anyone who suspects a user review to be fraudulent or intentionally inaccurate to please notify us here.


User Reviews

Star Rating

3.3
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416 Reviews

Review Breakdown

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Rick kain
June 25th, 2019 Solon, OH DETAILS
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The insurance cost is to high, my prescription are less if I go online and find a coupon. I have to spend 6,000 a year for what?

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Sunshine
June 24th, 2019 Placentia, CA DETAILS
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My annual checkup and labs were covered 100%

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Derek
June 21st, 2019 Jericho, NY DETAILS
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Easy to sign up but premiums and deductible are fairly high.

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Mike
June 21st, 2019 Dover, OH DETAILS
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It’s been good The network is the best and it was easy to get a primary care physician.

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Lonny
June 21st, 2019 Chatsworth, CA DETAILS
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Billing and service provided by Oscar has been outstanding!!!

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Mason M
June 19th, 2019 Los Angeles, CA DETAILS
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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.

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Aby
June 19th, 2019 Lake Forest, CA DETAILS
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Doctor on demand was really helpful! I totally recommend it!

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William
June 19th, 2019 Tustin, CA

Great service. Very clean office. I recommend.

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Tom
June 19th, 2019 Austin, TX DETAILS
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So far I have had no problems with Oscar insurance . Other than being limited to Quest labs it has been good insurance.

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Karen
June 19th, 2019 Pittstown, NJ DETAILS
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Ease of signing up for benefits and communication is awesome. Doctor on Call is a great feature.

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José luna
June 18th, 2019 San Antonio, TX DETAILS
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Every time I have a problem I call Oscar and always help me ! I am very happy with Oscar Insuranse .

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Jennifer B.
June 18th, 2019 Port Washington, NY DETAILS
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I like Oscar Insurance... I like the convenience have using the phone app to check to see what doctors and specialists will accept my medical plan... And if I do not know how to use a phone app I can always call the Oscar concierge team to have them assist me in finding a doctor of specialty that I may need. Every single doctor that has been recommended to me by the Oscar concierge team has been excellent doctors with excellent reputations and I could not be more happier... This is insurance that you do not need a referral in order to see a specialist it is a very good insurance plan.

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Michael
June 18th, 2019 Clermont, FL DETAILS
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Good app. Their website inaccurately listed doctors as being in-network, even when they weren't.

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ezequiel
June 18th, 2019 Los Angeles, CA DETAILS
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customer service is always there to help you on any question you might have. the doctors are really nice and answers all your question. I'm really happy with Oscar Insurance

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Tamar B
June 18th, 2019 Los Angeles, CA DETAILS
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We love Oscar, especially the Oscar app!

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Greg
June 18th, 2019 Newport Beach, CA DETAILS
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Oscar has provided good and solid benefits with reasonable premiums. The network is sufficient, but could be expanded with more dermotologists and orthopedic doctors

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Jamie
June 18th, 2019 Brooklyn, NY DETAILS
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Searching for the right Health Insurance plan for you can be a major headache, but I believe that Oscar is a great option when it comes to saving on Health Insurance and still receiving good benefits. Customer service is quick, easy and informative. Also, Free Doctors visits and Well-Women exams coupled with easy to access resources like the Oscar Center and Doctor on Call make Oscar an Insurance company I would be more than comfortable recommending.

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deborah hensley
June 18th, 2019 Austin, TX DETAILS
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This has been a more affordable plan , then the BCBS, that we had for years, they have great primary doctors on the plan and a good web site, and other features. This plan seems to pay the doctors the same as the BCBS did, and I have had no complaints about the payment. As the cost if insurance is rising and the benefits are lowering , Oscar is a good choice.

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Susan B.
June 18th, 2019 Chatsworth, CA DETAILS
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I have access to many doctors and hospitals and a concierge team ready to help me at any time. The phone app is easy to use with the information I need at my fingertips. I do wish the annual deductible was lower but otherwise, this insurance company has made it all very easy to navigate.

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Antony Kenihan
June 18th, 2019 Laguna Beach, CA DETAILS
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Deductibles are stupidly expensive on all insurance plans, essentially I have to pay $7,900 to get any real costs covered. Who can afford that? The only reason I have & pay for insurance is because I’m afraid of a catastrophic accident/illness but I know if that happens and I get cancer my deductible will be $7,900 and my $2-3 million will go away fast (due to the US having costs double any other country) then I will be out of luck

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Rosa
June 18th, 2019 Kissimmee, FL DETAILS
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Great rates! It’s a great insurance very affordable and they provide a lot of great services via internet

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Jennyfer Dominguez
June 18th, 2019 Orlando, FL DETAILS
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Good doctors and hospitals network, easy access to a doctor by the app 24/7 and it's free.

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Kim Head
June 17th, 2019 Von Ormy, TX DETAILS
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Great company, great customer service.

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betty
June 17th, 2019 Randolph Township, NJ DETAILS
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needed to ascertain whether a nurse practitioner visit would be covered and was able to do so quickly and conveniently

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Richard S
June 17th, 2019 Mission Viejo, CA DETAILS
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The first time I've used an on call doctor was with Oscar. It made my question very quick and easy. Great idea. I was able to go to a pharmacy right away with OTC products.

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Katie
June 17th, 2019 Bay Shore, NY DETAILS
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I love the smartphone app! Very easy to use! Customer service is great at answering/explaining any questions I have.

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Cindy F Puk
June 17th, 2019 Gardena, CA DETAILS
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I love that I can talk to a live person or my own team on line. So far my experience has been great with this company!

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Jen
June 17th, 2019 Converse, TX DETAILS
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I like Oscar. I especially like the doctor on call option because it helps me when I need it most.

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Kanna emerick
June 17th, 2019 Orlando, FL DETAILS
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The customer service is amazing. Everyone is so patient and polite and informative! I love the phone app and that I can see my lab results, appointments, prescriptions etc. they give you more than enough info on all of those and it’s very user friendly

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R Miller
June 17th, 2019 Cleveland, OH DETAILS
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.i haven’t used the program much but I did like the fast service of doctor on call. Very responsive and efficient.

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George Urban
June 17th, 2019 Austin, TX DETAILS
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A good value, I only get an annual physical, and I'm okay with higher deductibles.

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Sean Lorre
June 17th, 2019 South Orange, NJ DETAILS
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I've been very pleased with the customer service (concierge team). They always do as much as they can to solve my issues. If they had a more robust provider directory, I would be completely satisfied.

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Elizabeth
June 17th, 2019 Winter Park, FL DETAILS
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It has been ok. The app is amazing but the network of doctors isn’t as good in my opinion.

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Fabienne
June 17th, 2019 New York, NY DETAILS
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A good choice of doctors however expensive premiums

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katie10837948
June 17th, 2019 Brooklyn, NY DETAILS
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Oscar has great customer service. I love the doctor on call feature, it makes it really easy to ask a question when my schedule doesn't allow me to go to the doctor unless I absolutely NEED to.

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Alan Cheng
June 17th, 2019 Austin, TX

Great insurance company, easy to sign up. Informative brochures and the app makes things easy.

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Oscarnj
June 17th, 2019 Morris Plains, NJ DETAILS
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Customer service/concierge is great. Management/executive team takes forever to process a response if there’s an issue that needs to be escalated to them. Premiums are the cheapest around but you get what you pay for - higher co-pays.

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Ann Bublitz
June 17th, 2019 Cedar Park, TX DETAILS
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Any time I have had questions they have been quick to respond and treat me as if I really matter to them.

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Peggy B.
June 17th, 2019 Sag Harbor, NY DETAILS
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Customer service was very helpful in initial sign up process. Had an excellent experience when I needed to find a doctor in my area.

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Brittani
June 17th, 2019 Austin, TX DETAILS
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Oscar is very user friendly, clear on what you’re receiving and how to implement.

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Sherri Parham
June 17th, 2019 Hendersonville, TN DETAILS
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They answer all my questions and find the answers quickly.

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Robert DiTillio
June 17th, 2019 Studio City, CA DETAILS
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Good customer service. Doctor on call is useful. Premiums and deductibles too high.

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Vin
June 17th, 2019 Manhasset, NY DETAILS
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Oscar has been good for me. Haven’t been sick much, but I love how you can track your steps and get rewarded for reaching your goals.

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Shira
June 17th, 2019 Lakewood, NJ DETAILS
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Good customer service and app is very continent. Does feel like I’m paying a lot on premium for very little benefits day to day and a pretty sizeable deductible. Again, the customer service has been very friendly, knowledgeable, clear and helpful

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Azucena
June 17th, 2019 Santa Ana, CA DETAILS
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They answer pretty fast, info is really good. Haven’t checked into it much

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chris Michaud
June 17th, 2019 Brooklyn, NY DETAILS
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Generally responsive to concerns, unfailingly polite and reassuring in style of customer service, like Trader Joes in a way. Coverage away/outside of NY area severely lacking and makes it pale compared with larger competitors like EBC/BS

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Elaine
June 17th, 2019 Orlando, FL DETAILS
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website, smartphone app is good, easy to access the plan details

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Rcl
June 17th, 2019 Howell, MI DETAILS
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Customer service has been very good. Need to expand network of doctors and facilities in Michigan.

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Jason
June 17th, 2019 Sorrento, FL DETAILS
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Seems to be a normal working Insurance company. The rates are high as are most anymore. Minimal benefits for the monthly bill.

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ScottM
June 17th, 2019 Franklin, TN DETAILS
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Oscar has been a cost effective and a technologically efficient solution for my healthcare.