error This company may not service all states.

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.

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.

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

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. (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. Bronze plans put the most cost-sharing on policyholders, while platinum plans put the least. Bronze plans also have lower deductibles. Platinum plans typically have much higher deductibles.

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 before the deductible is met 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 the money in 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.

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 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.

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.

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.

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.

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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User Reviews

Star Rating

3.4
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533 Reviews

Review Breakdown

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Chris Morrow

September 16th, 2020 Flower Mound, TX DETAILS arrow_drop_down
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I live in Dallas. Their web find a doctor didn't work for a simple ENT doctor (only eight showed up and the first two I called were listed by mistake) so I had to call customer support. They could not find one while I waited and then didn't get back to me for three days. ...after I started messaging! Then they sent a "list" ...with one doctor on it ...40 city miles away!! You think I'm going to drive two hours to go see some smuck that was stupid enough to be the only one that takes this insurance in all of the Dallas-Fort Worth Metroplex?? I called. The co-pay for a smuck visit is $90. What good is insurance? Pssh!

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Oscar lack of caring

September 12th, 2020 Georgetown, TX DETAILS arrow_drop_down
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Oscar is the worst insurance If you want to get your blood pressure check or something simple it may be ok. But if you get serious I’ll they are terrible. They don’t have enough doctors. The wait times are ridiculous to see a doctor. And a lot of doctors are Sub par doctors. You have to wait ridiculous times for to get approval. They pay doctors very low prices and most all doctors do not like them for that. Which most likely want give you the care you need.

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Reply from Oscar

Sep 14, 2020

Hi there, thank you for writing to us. We take your feedback seriously and would like to follow up with you to learn more. Please find a message from our team in your inbox.

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Tiauna Anderson

September 3rd, 2020 Salt Lake City, UT DETAILS arrow_drop_down
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I love Oscar insurance primarily because of their customer service. You never get the "runaround" and they make you feel like a priority as a customer.

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Reply from Oscar

Sep 08, 2020

We're so happy to hear this, Tiauna!

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Michael Main

August 18th, 2020 San Antonio, TX DETAILS arrow_drop_down
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I find this insurance is readily accepted. They do a great job with telemedicine. I have found them to be responsive

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Reply from Oscar

Aug 25, 2020

Hi Michael, thank you for the kind words!

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David Plummer

August 18th, 2020 Glendale, AZ DETAILS arrow_drop_down

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.

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Reply from Oscar

Aug 25, 2020

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.

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Christian Baird

August 18th, 2020 Roanoke, TX DETAILS arrow_drop_down

good app - points for steps...but they keep raising the step bar...upsets me on that end.

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Reply from Oscar

Aug 25, 2020

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

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Thesetroubledtimesofcourse

August 7th, 2020 Fullerton, CA DETAILS arrow_drop_down
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If I could give zero stars I would, This company was co-founded by Joshua K, Jared K's brother. Jared Kushner is related by marriage to Trump. This is a connection between two very corrupt families and it shows in this health plan. This company has LIED to me multiple times. They boast about their technology but Sears and JC Penney have better websites than this company! You MUST not choose this health plan. Starve them out of business.

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Reply from Oscar

Aug 07, 2020

Hi there, we apologize for any frustration you have experienced. If you have any remaining questions or outstanding issues, our team would be happy to help. Just send us a direct message with your Oscar ID number to get started.

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Robert Adler

July 23rd, 2020 Deerfield Beach, FL DETAILS arrow_drop_down
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The company's website has been very easy to navigate through... customer service is very helpful and knowledgeable and I really like the no charge for the doctor on call service which was a brilliant idea who ever thought of that one!😎

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Reply from Oscar

Aug 07, 2020

Thank you for your kind words, Robert!

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Roxanne Fay

July 23rd, 2020 Largo, FL

I have really appreciated the communication from Oscar regarding what my insurance covers, how to get help during the pandemic, what resources are available, etc. I am fortunate that I am in good health and haven't had much cause to use my coverage, but feel confident that if I should need care, I will know where and how best to receive that care.

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Reply from Oscar

Jul 23, 2020

Thank you for your kind words, Roxanne! If there's anything we can do for you, please feel free to reach out.

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Emily

July 21st, 2020 Nashville, TN DETAILS arrow_drop_down
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Terrible customer service - were of no help when I was surprised to find out that my policy had been terminated. I was never made aware a payment had failed until I received a letter in the mail. And by then, the “grace period” (which should have been longer considering the fact that we’re in the middle of a world wide HEALTH pandemic) had already passed it was too late for me to make the proper payment. Had I been made aware properly I would have gone directly to take care of it. Instead I am now out of insurance for the rest of the year. First and last time to ever use Oscar. Save yourself the trouble and find a different provider.

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Reply from Oscar

Jul 23, 2020

Hi Emily, we want to apologize for this experience. Our team will be following up with you via direct message to learn more about the issue and escalate this to our help experts.

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Ron Rolek

June 25th, 2020 Valencia, CA DETAILS arrow_drop_down
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Oscar has come through once again. Their Doctor on Call service saved us another trip to urgent care and made a scary situation a piece of cake. The concierge that worked with us, Courtney, was a true pleasure. However, the doctor we talked with through TeleDoc was not up to Oscars caliber.

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Reply from Oscar

Jun 29, 2020

Hi Ron, we are happy to hear this! Please send us a DM so that we may follow up with you about your Doctor on Call experience.

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W.

June 21st, 2020 Brooklyn, NY DETAILS arrow_drop_down
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I love their concierge staff and the staff at their Jay Street medical center in Brooklyn. I am very unhappy with their high rates and high deductibles at the same time. For that reason I will look for more affordable health insurance come this fall.

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Reply from Oscar

Jun 22, 2020

Thank you for sharing your feedback 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. If you have any remaining questions, our team would be happy to help. Just send us a direct message with your Oscar ID number and any questions you have to get started.

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brock williams

May 24th, 2020 Los Angeles, CA DETAILS arrow_drop_down
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Oscar has been the best health insurance company I've ever had. I've been self-employed my entire adult life, so I've paid for my own health insurance and I've had a lot of different policies with different companies, in multiple states. Oscar has been the most affordable, easiest to navigate and best coverage I've ever had.

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Reply from Oscar

May 27, 2020

Thank you for your feedback, Brock! Let us know if you ever have any questions.

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Donna Marchesani

May 22nd, 2020 Brandon, FL DETAILS arrow_drop_down
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Customer service is great. Knowledgeable, patient and caring concierge team

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Reply from Oscar

May 27, 2020

Thanks for the love, Donna!

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V P Sangani

May 22nd, 2020 Austin, TX

Optimum use of fund to receive good health care facilities of Hospitals and laboratories. Mobile App is easy to find healthcare details.

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Reply from Oscar

May 22, 2020

We're glad to hear that you're enjoying your Oscar experience! Please let us know if you ever have any questions. We're happy to help.

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Roseanne Mitchell

May 22nd, 2020 Georgetown, TX

I am impressed with coverage and doctors but Oscar needs to make it easier for my doctor's to get approvals. They tell me Oscar makes it too time consuming and difficult to get approval. Approvals should be made by doctors not some non medical person answering the phone or getting other types of communications

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Reply from Oscar

May 27, 2020

Hi Roseanne, thank you for sharing your feedback. We will make sure to pass this along to the appropriate teams here at Oscar in order to help improve the member experience. Please let us know if we can help in any other way!

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Denise Bourcier

May 22nd, 2020 New York, NY DETAILS arrow_drop_down
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The 2 best things about Oscar is being able to see a specialist without a referral and the price. The 1 thing I don't like about Oscar is that a lot of healthcare providers--including my therapist and psychiatrist--are out of network, and these are not easy providers to replace.

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Reply from Oscar

May 27, 2020

Hi Denise, we appreciate your feedback as our team is always hoping to learn from our members and improve the Oscar experience. Please know that we are always evaluating our partnerships with providers in all of our markets.

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John Menzel

May 22nd, 2020 Neptune City, NJ DETAILS arrow_drop_down
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I am fairly new to the company. The premiums are better than most. But I have not been able to take advantage of wellness services for various reasons, including Covid-19.

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Reply from Oscar

May 27, 2020

Hi John, thank you for your insights. Our team would be more than happy to help provide resources and support during this time. We recommend reaching out to your Concierge team via your web profile, the Oscar app, or by calling 855-672-2755.

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Penny Altman

May 22nd, 2020 Van Nuys, CA DETAILS arrow_drop_down
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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.

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Reply from Oscar

May 27, 2020

Thanks for the love, Penny! We're glad to have you as part of the Oscar family.

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Patricia Mundaca

May 21st, 2020 Orlando, FL DETAILS arrow_drop_down
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Thanks Oscar's team who helped me for my surgery and special Viridiana who was my angel. Patricia Ruiz

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Reply from Oscar

May 22, 2020

We're always happy to help, Patricia! Don't hesitate to reach out if you ever need anything.

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Syah Johan

May 21st, 2020 Warwick, NY DETAILS arrow_drop_down
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Most of the doctors are nice. They answer my questions and have quick response times.

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Reply from Oscar

May 22, 2020

Hi Syah, we're so happy to hear that! Please let us know if you ever have any questions.

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H Rahman

May 21st, 2020 Fort Worth, TX DETAILS arrow_drop_down
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s to my questions and people are doing well and respectful.

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Reply from Oscar

May 22, 2020

Thanks for the love! We're happy to have you as part of our Oscar family.

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abe fried

May 21st, 2020 DETAILS arrow_drop_down

Very good service, price increase is too much. always helpful on the phone. the app is great!

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Reply from Oscar

May 22, 2020

Thank you for the kind words, Abe! We're all in this together.

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Marcus Rosebrock

May 21st, 2020 Brooklyn, NY DETAILS arrow_drop_down
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Overall a very good experience. Modern health insurance. Good pricing.

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Reply from Oscar

May 22, 2020

We're glad to hear that you're enjoying your Oscar experience, Marcus! Please let us know if you ever have any questions. We're happy to help.

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loriowens

May 21st, 2020 Celina, TX DETAILS arrow_drop_down
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I have had an excellent experience in dealing with all your staff. They are very knowledgable and if they don't know the answer they find out. They are also excellent at following up.

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Reply from Oscar

May 22, 2020

Thank you for your kind words! We'll make sure to pass along your feedback to our team.

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Roy Avila

May 20th, 2020 Leander, TX DETAILS arrow_drop_down
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Questions about charges from doctors take to long to get taken care of, if they do get taken care of. I paid some doctor bills I think I shouldn’t have because my out of pocket was met.

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Reply from Oscar

May 22, 2020

Hi Roy, we apologize for the frustration this experience has caused. Our team has followed up with you over direct message so that we may learn more. Please check your inbox for a message from us.

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Zacarías del pozo

May 19th, 2020 Austin, TX DETAILS arrow_drop_down
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All health insurance should call sick insurance, I only have access to preventive and checkups care. Doctors make up a list of bunch procedures to charge the insurance but when I explained they wouldn't cover all that, like magic the list reduce by 98%, everybody wins except for the patient...I should pay my sick insurance only when I'm sick and If I stay healthy I shouldn't pay anything...health services should be a right no something you have to pay and if you are not rich, guess what?, your decease will pass to normal and no treatment will be for you.

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Reply from Oscar

May 22, 2020

Hi Zacarias, thank you for sharing your feedback with us. We apologize for any frustration you may have experienced. If you have any remaining questions or outstanding issues, our team would be happy to help. Just send us a direct message with your Oscar ID number to get started.

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Nikki Pileggi

May 18th, 2020 San Antonio, TX DETAILS arrow_drop_down
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I loved oscar. Very reasonable. More selections for specialist would have been nice. When you are no longer with Oscar and you try to log in to review & download EOB's, you are immediately locked out of your acct. Very disappointing

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Reply from Oscar

May 22, 2020

Thank you for your kind words, Nikki. We'll make sure to pass along your feedback on our specialist network and account access to the right teams at Oscar. If there's anything we can do to assist you, please send us a direct message with your Oscar ID number and we would be happy to help.

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Devin Cutter

May 18th, 2020 Long Beach, CA DETAILS arrow_drop_down
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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.

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Reply from Oscar

May 22, 2020

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

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Cherie Crane

May 18th, 2020 Los Angeles, CA DETAILS arrow_drop_down
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Responsive, good online portal and online concierge. I like that I can get a plan with all the UCLA physicians included. My only complaint is that Oscar does not cover as much as Blue Cross does in costs associated with breast cancer - such as cold cap therapy to prevent hair loss, considering it purely aesthetic and not recognizing that it can be emotionally comparable to breast reconstruction.

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Reply from Oscar

May 22, 2020

Hi Cherie, we're happy to hear about your experience with our Concierge team! We would also like to thank you for your honest feedback. We'll make sure to share your thoughts with the appropriate teams at Oscar for consideration.

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JP

May 18th, 2020 West Hollywood, CA DETAILS arrow_drop_down
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I don’t like how my costs skyrocket and my benefits shrunk to basically nothing unless I spend $7500 out of pocket. So it’s basically not helpful and only catastrophic insurance, not HEALTH insurance. Not thrilled at all.

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Reply from Oscar

May 22, 2020

Hi JP, thank you for sharing your feedback 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. Please let us know if there is anything we can do to further assist.

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Margie

May 18th, 2020 Valencia, CA DETAILS arrow_drop_down
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I have had a Oscar for about three years now and I have never experienced better customer service all the way around I would highly recommend Oscar as your insurance carrier. Also the network of doctors they have contracted are also really good you won’t regret it I promise

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Reply from Oscar

May 22, 2020

We're glad to hear that you're enjoying your Oscar experience, Margie! Please let us know if you ever have any questions. We're happy to help.

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Armina Kulenovic

May 18th, 2020 Cedar Park, TX DETAILS arrow_drop_down
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Great from day one. Read to help at any time.

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Reply from Oscar

May 22, 2020

Thanks for the love, Armina!

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Daniel Rasmussen

May 18th, 2020 Irvine, CA DETAILS arrow_drop_down
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I have appreciated the access to doctors online, the incentive to meet step goals, and having the app on my smart phone.

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Reply from Oscar

May 22, 2020

Thank you for your kind words, Daniel! We're happy to have you as part of our Oscar family.

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Hannah

May 18th, 2020 Plano, TX DETAILS arrow_drop_down
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I absolutely loved Oscar. Unfortunately, there were no doctors in the area I moved to that took this insurance. This was confusing, since I’d see billboards all over the city for it. I just wish it had been as prevalent in DFW as it was in San Antonio, but because it isn’t, I had to cancel.

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Reply from Oscar

May 22, 2020

Hi Hannah, we're sorry to hear about your experience. Please know that our team is consistently evaluating our partnerships with providers to ensure our members have access to care in all of our markets. Please let us know if we can be of any assistance.

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Hilmar Rojas

May 18th, 2020 Winter Springs, FL DETAILS arrow_drop_down
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Excellent customer services! Always!!!!!

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Reply from Oscar

May 22, 2020

Thank you, Hilmar! Let us know if there's ever anything we can do to help.

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Gretchen Krull

May 18th, 2020 West Hollywood, CA DETAILS arrow_drop_down
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Amazing customer service. Quick replies via the messenger section.

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Reply from Oscar

May 22, 2020

Thank you, Gretchen! We'll make sure to pass along your feedback to our team.

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B-dog

May 18th, 2020 San Antonio, TX DETAILS arrow_drop_down
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Most doctors, hospitals, and urgent care do not accept Oscar. I end up having to pay out of pocket and it does not count towards my ridiculously high deductible.

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Reply from Oscar

May 22, 2020

Hi there, we are sorry for the frustration this experience has caused. Our team is consistently evaluating our partnerships with providers to ensure our members have access to care in all of our markets. We'd like to follow up and have sent you a direct message with more information.

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Cheryl

May 18th, 2020 Los Angeles, CA DETAILS arrow_drop_down
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Very happy with everything: service is good, pricing is good, and we have been able to find service providers in our area for all of our needs. Highly recommend.

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Reply from Oscar

May 22, 2020

Hi Cheryl, we're so happy to hear that! Don't hesitate to reach out if you ever have questions.

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Sophia Mantzavinos

May 18th, 2020 Los Angeles, CA DETAILS arrow_drop_down
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I absolutely recommend Oscar , so far has been the best medical insurance Coverage I have had. Their customer service online concierge team has been spot on very helpful, polite and on time Each and every time I have reached out for help or questions! Their easy interface online with payments , claims are amazing! I will be a member for Life! Sophia Ps: I love their fitness tracking award program! Every time you hit your walking goals you get $ 1 accruing for amazon online purchases!!

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Reply from Oscar

May 22, 2020

We're glad to hear that you're enjoying your Oscar experience, Sophia! Please let us know if you ever have any questions. We're happy to help.

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Keith McCormish

May 18th, 2020 Columbus, OH DETAILS arrow_drop_down
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Oscar health makes it easy to connect with a primary care provider. They offer really great healthcare through the app, too!

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Reply from Oscar

May 22, 2020

Glad to have you as part of our Oscar family, Keith!

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geoffrey norton

May 18th, 2020 Columbus, OH DETAILS arrow_drop_down
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Minimum wait time for a concierge team members. Team is polite and knowledgeable! They also follow-up!

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Reply from Oscar

May 22, 2020

Thank you for your kind words, Geoffrey!

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L L3

May 18th, 2020 San Antonio, TX DETAILS arrow_drop_down
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I had to ask him questions first because I was wondering why I’m getting a NYC phone number but she explained the Hyppa loss to me and I was like well that’s insurance company and it was a pleasant conversation thank you for reaching out and looking after me.

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Reply from Oscar

May 22, 2020

Hi there, thank you for your feedback! Please let us know if there is ever anything we can do to help.

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Chad Miller

April 27th, 2020 Smyrna, GA DETAILS arrow_drop_down
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Horrible. I've been fighting to get them to cover my monthly prescription all year now. They apparently have a maximum number of pills per 75 days that they will cover (something not made apparent to me until now) so they're only willing to allow the pharmacist to fill ONE HALF of my prescription this month (I can't even pay the difference). When I pointed out that this information was never provided to me that stated that I bought this over the government market place so it's my own fault. Just another poor health insurance company. What else is new.

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Reply from Oscar

Apr 28, 2020

Hi Chad, we want to apologize for the frustration this experience has caused. We want to learn more, so our team has followed up with you over direct message. Please check your inbox for a message from us so that we may assist you further.

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Mel

April 2nd, 2020 Palm Coast, FL DETAILS arrow_drop_down
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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. ❤️

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Reply from Oscar

Apr 05, 2020

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.

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BPM

March 31st, 2020 Española, NM DETAILS arrow_drop_down
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This insurance is worthless. I was traveling and needed to have a prescription refilled. I used their telemedicine option, I believe it’s called Teledoc, to speak to a doctor after waiting 3 days. The doctor sent the prescription into the only pharmacy I could choose on the app which was an hour away from where I am located. I’m traveling at the moment, so I decided it was my only option. I saw that I had a message from Oscar and I assumed it was an email saying “your prescription has been sent to so and so location” but it was an email saying that the doctor had tried to contact me and couldn’t reach me so my case had been closed. They sent this email on Wednesday. I spoke with the doctor from Teledoc, THURSDAY, after my request was closed. I was confused. So I drove to the clinic they had listed (keep in mind this is the nearest one an hour away) and they sent me to a clinic that DIDN’T EVEN HAVE A PHARMACY!!! When I called the “concierge” (what a joke) the three that I talked to had no idea what this third party service had even done. They couldn’t get in contact with Teledoc and had to have me get in queue to speak with someone from the third party they had chosen to work with. I had to talk to three “concierges” because when I was put on hold to wait for Teledoc, the call dropped twice. I don’t understand how Oscar can shop this job out to a third party and yet has no idea what that third party has done on behalf of their customers. This is supposed to be technology company. This stuff isn’t that hard. And then they can’t even get in contact with Teledoc themselves. So the concierges can’t actually help you in any way. I was supposed to have received a call back after an hour and a half but am still waiting 6 hours later (and I doubt it will come). I messaged them, but decided to put this out in public because they seem to respond more quickly when they’re being exposed. What a joke. The only reason I signed up for one of their plans is because they partnered with the Cleveland Clinic, which has a large network of hospitals in my area. I can’t believe the Cleveland Clinic, as respected a healthcare institution as that is, would team up with such a shoddy company. So now I’m stuck with this worthless insurance. Don’t make the same mistake.

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Reply from Oscar

Mar 30, 2020

Hi there, we are sorry for the frustration this has caused. Our team would like to help by investigating this issue further. We have followed up with you over direct message so that we may learn more.

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Candace E

March 23rd, 2020 Riverview, FL DETAILS arrow_drop_down
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There is no reason anyone should ever choose Oscar Health Insurance. When I was picking an insurance company, I was not looking for the cheapest. I was looking for an insurance company that had a decent network, and a low to no annual deductible. Upon a basic research of this company, all seemed to be good... You actually need to dig much deeper to see how much of a fraud this company really is, and how much they don't care about your health or anyone else's. If you need a specialist, good luck... No, I'm not talking about a specility that is not common... I'm going as general as an OB/GYN. That's right, women, if you find yourself pregnant, this insurance company does not care of you have to drive 3 hours round trip to get to a doctor because the doctors they had listed as OB/GYN's on their websites, are all really just GYN's, and don't work with babies. Read some more reviews as there are a number of complaints out there now about people who can't get the specialist they need or a family member needs because doctors are dropping them like a bad habit for no payment, or they falsely list the specialty of the doctor on their own website. Do you and your family a favor... Pick ANY other health insurance company than Oscar to ensure you and your family will be able to get to the healthcare they need.

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Reply from Oscar

Mar 24, 2020

Hi Candace, thank you for your feedback. We are sorry for what you have experienced. We want to confirm that we have followed up with you over DM so that we may assist further.

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RVM

March 16th, 2020 DETAILS arrow_drop_down
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They have provided wonderful serice. Their client service in particular is formidable. I had my son on an insurance plan with them in Texas & because I was so pleased, I recently chose them for my husband, daughter and I in Florida.

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Reply from Oscar

Mar 25, 2020

Hi Rita, thanks for the love! We are happy to have you as part of the Oscar family. If you ever have any questions, please feel free to reach out to us and our team would be happy to assist.

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howard smith

March 6th, 2020 Van Nuys, CA DETAILS arrow_drop_down
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Oscar healthcare is terrible. I need a speech therapist for my child but there is only 1 therapist in-network in all of the San Francisco valley, and I was wait listed. I've been trying to get Oscar to accept an out of network therapist for 2 months, but all they do is ask for more paperwork in the hopes I give up. What's the point of health insurance if you can't use it?!?!

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Reply from Oscar

Mar 11, 2020

Hi Howard, we are sorry for the frustration this experience has caused. We have provided additional information over direct messages so please be on the look out for a new message from our team.

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Mizash Upadhyay

February 26th, 2020 North Richland Hills, TX DETAILS arrow_drop_down
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Recently I had this insurance.....I am tried to find OBGYN in my area Forth worth, Texas but they have only one OBGYN and that doctor does not take patient on oscar network hospital.....but they put bunch of OBGYN doctor list on website but non of then take oscar......worst insurance ever

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Reply from Oscar

Feb 26, 2020

Hi Mizash, thank you for bringing this to our attention. We would like to look into this issue further and see how we may be able to help. We've sent you a direct message to get started.