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Oscar

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559 User Reviews

7.4

Overall Score

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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

3.4

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559 Reviews

Review Breakdown

5 grade

41%

4 grade

16%

3 grade

8%

2 grade

5%

1 grade

30%

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Kristy Shields Spring, TX

Family of four has been with OSCAR for two years now. The only thing they know how to do well is answer the phone via Tele Doc. Other than that, on network of available providers: D-. On paying the very limited amount of Dr's visits we did incur: F. On wanting you to do all the foot work and paper work to get information from providers, AFTER they have been paid their $1,600 monthly premium: A+. In summary, OSCAR provides very very limited access to doctors who actually accept OSCAR, they collect your premium ($$$$) each month like clock work, but then when you incur some very minimal and limited medical bills, they delay delay and more delay in paying. And were lawyers! Buyer beware. Cancelling our coverage now with OSCAR and getting some legitimate health insurance coverage.

1 week ago

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Jason R Austin, TX

They are so disorganized. Their virtual team can't get their act together and frankly have wasted 3 months of my time.

1 week ago

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Rocky Young ,

Do not be fooled by this company. LOOK at their reviews!! Horrible horrible insurance I’m now paying self pay to see a doctor because OSCAR care is communicating with me with just questions no answers. They just keep shuffling. If I have to explain to some online person my health issues AGAIN only to be asked again and again. I made a major mistake choosing this insurance and now I’m deeply regretting it. Sincerely and honestly Christine Young

2 weeks ago

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Reply from Oscar

Hi Christine, we are sorry to hear about this experience! We would like to learn more to get you the answers you need. Please keep an eye on your inbox for a message from our team.

Mar. 30th, 2021

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Daniel Fuerman Blairsville, PA

I have had to wait over a month to get a prior authorization for a medication I have been taking for 3 years for my Crohn's Disease. As a result of Oscars denials I had to miss a dose of my medication and run the risk of building antibodies due to Oscars thrifty negligence. Now because Oscar refuses to honor the principle of a deductible I have had to wait three months to see a Physical therapist for a problem I have been experiencing for the past year. What's the point of having health insurance and paying nearly $500 a month to be a member of a club that doesn't provide access to healthcare? My insurance card is nothing more than a very expensive wallet paperweight. This is the final straw. I am very disappointed with Oscar and couldn't have had a worse experience. Oscar has lost me as a customer. I hope the scamming and penny pinching was worth it.

1 month ago

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Reply from Oscar

Hi Daniel, we are sorry to hear about this experience. Please DM us with your Oscar ID number here on Best Company and we can escalate this issue to our team. You may also include any outstanding questions you may have that we can share with our help experts to help you get clarification.

Mar. 16th, 2021

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Nina Los Angeles, CA

Horrible!!! They kept changing my monthly payments refused to pay blood test than 1 day told me I had 400 credit on my account and dont have to pay my monthly payment only to find out now year later they accused me of nonpayment - never notified me and now I cant get my tax form. They are bunch of unprofessional smucks, their online account saya Ipaid 1 month and another page says unsettled for same month???? How in the hell??? Unreal

1 month ago

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Reply from Oscar

Hi Nina, thank you for bringing this to our attention. Our team would like to learn more about your experience to see what may have occurred. Please check your inbox as one of our team members has followed up to learn more.

Mar. 16th, 2021

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Brad Copithorne Swannanoa, NC

I signed up for Oscar in North Carolina, but have had a horrendous experience. I use Bofa's billpay system to pay my monthly premium. They credited my account for the first payment but cashed the checks for the next two but did not credit my account. They demanded that I act as middleman to resolve their back office mistake and when I could not get this done by their deadline, they cancelled my insurance and blamed me for the problem. Do not use this company under any circumstances. They are trying to expand before they get their back office systems ready for prime time.

1 month ago

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Reply from Oscar

Thank you for bringing this to our attention, Brad. We apologize for this experience. Please know that one of our team members has sent you a private message to learn more.

Mar. 16th, 2021

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LM Red Bank, NJ

A prescription that we take daily (generic) was raised from a Tier 1 ($25 copay) to a Tier 3 without explanation or notice. Imagine our surprise when the pharmacy asked for $150 instead of $25. Oscar has no explanation for this change. There is no cheaper substitute since the drug is already a generic. We checked the cost on this drug before we signed up for the plan in October. If we had know they would simply switch the tier in January, we would not have signed up for this plan. Bait and switch?

1 month ago

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Reply from Oscar

Hi there, we are sorry to hear about this experience. Please check your inbox for a message from one of our team members who would be happy to provide additional assistance.

Mar. 16th, 2021

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Karen Luster Gallatin, TN

My issue is that I can't rely on the EOB's. They will tell me I owe nothing, but the provider will then tell me they're out of network. Customer service has never given a reasonable explanation for the disconnect; they'd only agree with the provider.

1 month ago

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Reply from Oscar

Hi Karen, thank you for bringing this to our attention. Our team would like to learn a bit more about this issue and will follow up with you over DM!

Mar. 16th, 2021

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Kaili Baines ,

Oscar has GREAT customer service! They are friendly and quick to help! I just wish there were more options for providers in my area.

2 months ago

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Reply from Oscar

Thank you, Kaili! Our team would be more than happy to help you locate a provider in your area. Feel free to send us a DM to get started!

Jan. 28th, 2021

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Lisa Guy Chardon, OH

I have not had Oscar for too long but the process of signing up was seamless. Anytime I had a question I always had a quick response!

2 months ago

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Reply from Oscar

We're so happy to have you as part of the Oscar family, Lisa!

Jan. 28th, 2021

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mike taranto Pataskala, OH

Getting help is futile. Long holds. Online staff not aware of the plan details. Was charged $40 for a drug on their $3 Rx list.

3 months ago

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Reply from Oscar

Hi Mike, we apologize for the longer wait times you have experienced due to high call and message volume. Our team has followed up with you over private message so that we may assist further.

Jan. 12th, 2021

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Tina Roberts Anaheim, CA

I was an Oscar member for 2 years and have cancelled my coverage because of my displeasure with them. Pros: affordable plans, easy-to-use app, 24 hour teledoc appointments, Amazon/Calm perks Cons: limited number of covered doctors. My biggest complaint is that they drop doctors at-will, and they do not notify you before your appointment. This happened to me twice, and now they are claiming that I owe them for an out of network appointment even though the provider was covered at the time that I made the appointment. I have had to spend hours with Oscar concierge over the phone trying to work out these problems. It has been a major headache. I do not recommend Oscar to anyone.

3 months ago

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Reply from Oscar

Hi Tina, thank you for bringing this to our attention. Our team would like to learn more about your experience to see what may have occurred. Please check your inbox as one of our team members has followed up to learn more.

Jan. 12th, 2021

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Angie Brooklyn, NY

One of THE worst health insurance companies I've ever had the misfortune of dealing with. Premiums are ridiculously high and none of my doctors accept Oscar. Their clinic in Brooklyn is just a glorified office kept to impress future customers. Oscar is a company run by white men and does not believe in diversity amongst its employees (unless of course you're a Chinese or Hindu engineer). KEEP AWAY!

3 months ago

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Reply from Oscar

Hi Angie, we are sorry to hear this. A team member will follow up with you over direct message so that we may learn more about your experience with Oscar.

Jan. 28th, 2021

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pb Denver, CO

The only real bright sides are that their tech is great and their support is good. They’ve currently rejected 2/2 Covid tests I’ve gotten (which they claim they will pay for, but so far nothing). Rejecting arguably the most essential service in 2020, when you claim to support it in and out of network is an unbelievably frustrating experience, and I’ll be getting off any Oscar insurance ASAP

3 months ago

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Reply from Oscar

Hi there, we appreciate you bringing this to our attention, and apologize for the experience. Please check your inbox as one of our team members has followed up with you to learn more.

Jan. 12th, 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.

4 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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Vishal Bagchi Dallas, TX

What a joke of an insurance, the "online dr" is a complete joke, they can't really do anything. These companies are on marketplace are here for 1-2 years, they make their money before people realize what a scam this is. There isn't a single doctor that is covered, my physician friend that was listed under this plan as a primary care and he said he never heard of them or had any communication from oscar. Worse of all they sent several emails on "free covid test" i got a covid test and got a $60 bill because oscar didn't pay and i even went to CVS that was listed as covered. When i called them oscar said CVS was using a non-FDA approved covid test. By the time people figure out this is a scam oscar would have gone out of business. I hate to see my Tax dollars go towards scams like this and I am really upset that market place doesn't do its research on companies like OSCAR. They seem to cover everything and everyone only on paper, in reality they don't really cover anything and are in the business of denying claims. Lucky my wife and I are healthy humans that workout and eat right and don't really need insurance except catastrophic coverage which god forbid ever happened, but best believe it would have been a battle for oscar to pay.

4 months ago

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Reply from Oscar

Hi Vishal, thank you for bringing these issues to our attention. A member of our team has followed up with you over direct message so that we my investigate these concerns further and also help you find an in-network provider in your area.

Jan. 12th, 2021

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An Avid Observer Tampa, FL

It was fine when all I needed was the basics taken care of. But once I start getting into advanced imaging or outpatient procedures it turned into a mess of uninformed employees, runarounds and terrible pricing policies. First I had an MRI scheduled, when I checked for pricing, I did not get an answer until the DAY it was done. However upon receiving reciept, I found it says "Price is just an estimate and may change". This was after I asked the clerk to verify the cost prior to me coming into the office. I have yet to see the claim appear on my account. My current issue: I had a procedure scheduled a month in advanced. It's now three days till the procedure and I have No IDEA what the cost will be. I have contacted OSCAR 5 times, and each participating physician offices about 15 times this past month trying to figure out the pricing for this procedure. I have received numbers between $45 and $3500 for this procedure. How can you be this incompetent? How hard is it to give an accurate price beforehand? The sheer number of uninformed people I spoke to is telling of how OSCAR operates. While the concierge team is generally polite, being polite isn't being informative and that doesn't help my plan to pay for necessary procedures. I have never experienced an issue with cost appraisals at my previous insurers. They would have a price in a few days so I can plan accordingly. At this point I'm already looking at other insurance companies, this place is a joke. This is my first year with Oscar and hopefully my last.

4 months ago

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Reply from Oscar

Hi there, we want to apologize for this experience. Please know that we take your feedback seriously. A member of our team has reached out to you via direct message so that we may investigate further.

Nov. 24th, 2020

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Monika Kruemmling Glenside, PA

They have good marketing and terrible insurance. They don't cover much, and what they do cover, they try to weasel out of covering. We found an urgent care through their website last Spring and went to them. Oscar, many months later bounced the UC's request for payment saying they are out of network. And now we have to deal with a $900 bill for a simple swab test. Don't sign up for this insurance; go find someone with a track record.

4 months ago

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Reply from Oscar

Hi there, we want to apologize for the frustration this experience has caused. Please check your inbox for a new message from one of our team members.

Nov. 24th, 2020

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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.

4 months 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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Alley Cat Los Angeles, CA

It started out good with good prices and great provider options. 3 years in it's just as expensive but has 0 good providers. Every single decent hospital in Los Angeles is off limits --you are forced into sub-standard care. Also their billing/admin is horrendous. Nice people, but completely incompetent. I ended up spending hours on the phone to correct their errors which were labyrinthian, it boggled the mind. And their concierge service is a joke--another entire day spent trying to get a video appointment with a pediatrician that despite literally hours of calls and additional applications, never came to fruition. It was literally like a bad dream. Never again. Typical--starts out great to suck you in then quickly deteriorates into a low-level option.

5 months ago

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Reply from Oscar

Hi there, thank you for bringing these concerns to our attention. Please know that we take your feedback seriously. A member of our team will reach out to you via direct message so that we may learn more.

Nov. 24th, 2020

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Ban Ishii San Francisco, CA

I initially was overcharged my first month. When I reached out to customer service, they were really proactive with their communication and help me to solve my overpayment issue! :)

5 months ago

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Reply from Oscar

Hi Ban, thank you for your feedback! We are glad to hear that everything worked out. Let us know if we can do anything else for you.

Oct. 23rd, 2020

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Renée Santa Monica, CA

I look at Oscar as tech meets healthcare. Love the app, the $ incentive to get your daily steps in and the doctors I've gone to have all been fantastic! Now if only I could get a lower deductible without the monthly fee going through the roof. ;)

5 months ago

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Reply from Oscar

Hi Renee, thank you for your kind words and for being an Oscar member! We will make to share your feedback with our team.

Oct. 23rd, 2020

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Claudia Miami, FL

Have good list of Doctors. What i don't like is: Hospitals choices aren't good. It should include at least one that have a 5 star rating

5 months ago

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Reply from Oscar

Thank you for your feedback, Claudia. Our team is consistently evaluating our partnerships with providers and hospitals to ensure our members have access to care in all of our markets. We will make sure your insights are shared with the appropriate teams here at Oscar.

Oct. 23rd, 2020

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sylvia rendon San Antonio, TX

Was glad to have Oscar Insurance as I experienced an accident and had to utilize my medical insurance. They processed timely and I was able to see the discount of services by using in-network providers

5 months ago

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Reply from Oscar

Hi Sylvia, thank you for sharing! We're glad we were able to assist you.

Oct. 23rd, 2020

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nmknyc New York, NY

Ive had it for 3 years and I am a healthy woman in my 40's who rarely even uses the policy at all. The first year they increased my policy by OVER 200 per month and then I had to lower my policy benefit in order to remain paying the same price, (pay more get less) Then I just got another notice that if I want to continue to keep the policy that I will have to pay an ADDITIONAL $150 per month, when I called the OBNOXIOUS rep said "well you dont have to keep it" STELLAR support

6 months ago

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Reply from Oscar

Hi there, we want to apologize for your experience. Please know that our team will follow up with you via DM for more information.

Oct. 16th, 2020

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Chris Morrow Flower Mound, TX

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!

6 months ago

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Reply from Oscar

Hi Chris, thank you for bringing this to our attention, and we apologize for this experience. Our team will be reaching out to you via DM to help you find the right care in your area.

Oct. 16th, 2020

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Oscar lack of caring Georgetown, TX

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.

7 months ago

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Reply from Oscar

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.

Sep. 14th, 2020

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Tiauna Anderson Salt Lake City, UT

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.

7 months ago

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Reply from Oscar

We're so happy to hear this, Tiauna!

Sep. 8th, 2020

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Michael Main San Antonio, TX

I find this insurance is readily accepted. They do a great job with telemedicine. I have found them to be responsive

7 months ago

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Reply from Oscar

Hi Michael, thank you for the kind words!

Aug. 25th, 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.

7 months 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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Christian Baird Roanoke, TX

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

7 months ago

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Reply from Oscar

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

Aug. 25th, 2020

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Thesetroubledtimesofcourse Fullerton, CA

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.

8 months ago

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Reply from Oscar

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.

Aug. 7th, 2020

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Robert Adler Deerfield Beach, FL

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!😎

8 months ago

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Reply from Oscar

Thank you for your kind words, Robert!

Aug. 7th, 2020

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Roxanne Fay 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.

8 months ago

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Reply from Oscar

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

Jul. 23rd, 2020

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Emily Nashville, TN

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.

8 months ago

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Reply from Oscar

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.

Jul. 23rd, 2020

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Ron Rolek Valencia, CA

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.

9 months ago

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Reply from Oscar

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.

Jun. 29th, 2020

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W. Brooklyn, NY

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.

9 months ago

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Reply from Oscar

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.

Jun. 22nd, 2020

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brock williams Los Angeles, CA

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.

10 months ago

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Reply from Oscar

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

May. 27th, 2020

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Donna Marchesani Brandon, FL

Customer service is great. Knowledgeable, patient and caring concierge team

10 months ago

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Reply from Oscar

Thanks for the love, Donna!

May. 27th, 2020

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V P Sangani Austin, TX

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

10 months ago

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Reply from Oscar

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.

May. 22nd, 2020

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Roseanne Mitchell 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

10 months ago

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Reply from Oscar

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!

May. 27th, 2020

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Denise Bourcier New York, NY

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.

10 months ago

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Reply from Oscar

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.

May. 27th, 2020

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John Menzel Neptune City, NJ

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.

10 months ago

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Reply from Oscar

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.

May. 27th, 2020

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Penny Altman Van Nuys, CA

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.

10 months ago

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Reply from Oscar

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

May. 27th, 2020

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Patricia Mundaca Orlando, FL

Thanks Oscar's team who helped me for my surgery and special Viridiana who was my angel. Patricia Ruiz

10 months ago

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Reply from Oscar

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

May. 22nd, 2020

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Syah Johan Warwick, NY

Most of the doctors are nice. They answer my questions and have quick response times.

10 months ago

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Reply from Oscar

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

May. 22nd, 2020

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H Rahman Fort Worth, TX

s to my questions and people are doing well and respectful.

10 months ago

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Reply from Oscar

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

May. 22nd, 2020

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abe fried

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

10 months ago

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Reply from Oscar

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

May. 22nd, 2020

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Marcus Rosebrock Brooklyn, NY

Overall a very good experience. Modern health insurance. Good pricing.

10 months ago

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Reply from Oscar

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.

May. 22nd, 2020

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loriowens Celina, TX

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.

10 months ago

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Reply from Oscar

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

May. 22nd, 2020

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