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Oscar

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7.3

Overall Score

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Alison The Bronx, NY

Great in theory, but bad in practice. The telehealth function sucks. Those docs are not qualified. Some can't speak English. Many don't follow through on requests.

4 years ago

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Bryan Austin, TX

Doctor on call feature to allow speaking with doctor for free through smartphone is a great benefit.

4 years ago

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Michelle Columbus, OH

I shared it in the survey. Doctors offices didn't want to take me as a patient because Oscar is so difficult to deal with . I was told that on more than one occasion. However, the OBGYN I ended up selecting I am happy with.

5 years ago

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Reply from Oscar

Hi Michelle, we're so glad to hear you're happy with your OBGYN. Even so, we'd like to look into the providers you were having trouble with. Please don't hesitate to give us a call at 855-OSCAR-55 and our team will look into this for you.

May. 29th, 2019

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Samir New York, NY

App and Doctors on Call feature is great. Annual deductible and premium increases are tough to digest. Concierge Team seems unnecessary or perhaps overstaffed.

5 years ago

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Arif Rahman Orlando, FL

In my life i have never dealt with an insurance company with this level of customer service Nice people

5 years ago

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Carol Bissett New Braunfels, TX

Easy to work with online, good communication and customer service in person, and my doc says they pay quickly!

5 years ago

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Jeremy Austin, TX

The plans are terrible. I would have to pay $4000 in premiums and $8000 out of pocket before they would ever pay a single penny. Completely useless unless you're planning on almost dying every month and have $12000 to burn first.

5 years ago

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Reply from Oscar

Hi Jeremy, we're sorry to hear you're frustrated with your plan. If you have a high-deductible plan, preventive services are covered in full, but any non-preventive services will be subject to the deductible. This means that you'll be responsible for the full negotiated rate of those services up until the amount of your deductible is met. Additionally, if there's ever an emergency, your plan covers emergency care at out of network emergency rooms as well as urgent care at out of network urgent care facilities. Please don't hesitate to give us a call at 855-OSCAR-55, we're always here to help.

Mar. 19th, 2019

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Amanda S North Hollywood, CA

I highly recommend you NOT to get Oscar or you better be ready for surprise bills you shouldn’t need to pay for. They also sell the idea of having a platform where you can easily contact someone via chat but once you have a problem and need support they will simply disappear.

5 years ago

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Reply from Oscar

Hi Amanda, we’re sorry to hear you were surprised by this bill! Due to privacy laws this isn't something we can help with via Best Company, but we can speak generally to why this may have happened. Depending on the type of lab work needed, your provider may have labeled the lab work as diagnostic and not preventative. Another common situation is when the lab work is sent to an out of network lab instead of one that is in network with Oscar. If you’d like to discuss this further, give us a call at 855-OSCAR-55 to be connected directly with your care team.

Jan. 16th, 2019

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Dp Tempe, AZ

Don’t choose this provider for healthcare. None of the doctors on their website have ever heard if Oscar. And their customer service is a laugh. I am reporting them to the Arizona insurance fraud. $834.00 per month and can’t find a doctor.

5 years ago

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Reply from Oscar

Hi Dp, we're sorry to hear you're frustrated. Oscar has a curated network of providers built around provider systems who, like us, are focused on keeping costs down for our members. DM us your Oscar ID number and we'll be happy to have someone from our team get in touch to find a doctor for you.

Jan. 16th, 2019

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AliceStars Austin, TX

Oscar started out with good offering, but now after the first year they are jacking up premiums by 15% and raising the deductibles by almost 40%. So much for their, we are here to help and care. Now it is how do we grab more money without providing any additional benefits.

5 years ago

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Reply from Oscar

Hi AliceStars, we're sorry to hear you're disappointed. The rising cost of health care is an industry-wide issue. As the cost of doctors, hospitals, and drugs have increased, we have had to increase our premiums slightly. Going forward, we are actively finding ways to slow the trend of rising health care costs, which is why we work closely with our provider partners and offer benefits like free telemedicine to try to make health care more affordable to you. If you have questions about how to find the best care at the best price, reach out to your Concierge Team for support.

Nov. 7th, 2018

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Eric Austin, TX

Super convenient & easy to use! Everyone I've spoken with has been really friendly and willing to help too!

5 years ago

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Holli P Santa Monica, CA

So far, so good :) I haven’t had to use my insurance too much but when I have it has been an easy process.

5 years ago

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Jacqueline Webber-Rampell Levittown, NY

Oscar is great I haven't had any problems with them, when I had a problem with one of my claims they took care of it .

5 years ago

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reviewer21 The Bronx, NY

Most Doctors, quality Nursing Homes, Medical Equipment Companies do not accept Oscar Insurance. Only the desperate and fly-by-night accept Oscar. This is why only a one star rating. Oscar employees are caring and perform their jobs well. They get five stars.

5 years ago

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Reply from Oscar

Thank you for providing this feedback, and we're sorry to hear you're dissatisfied with our network. Oscar has a curated network of providers built around provider systems who, like us, are focused on keeping costs down for our members. DM us your Oscar ID number and we'll be happy to have someone from our team get in touch to further address your concerns.

Oct. 9th, 2018

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Lucia Krause San Antonio, TX

Not only do they barely cover anything even when you've got a Gold plan, there are so many drugs they won't cover as well. For what I'm paying, I could have just saved and negotiated prices without insurance to doctors. Thanks to the ACA I was required to get insurance or be penalized. I hate our healthcare in the USA.

5 years ago

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Reply from Oscar

Hi Lucia – we’re sorry to hear you’re frustrated with your plan. Due to privacy laws we're unable to discuss the specifics of your private health info here but know that for all health plans, preventive services are covered in full, but any non-preventive services will be subject to the deductible. Depending on the plan you’ve chosen, you may be subject to the full negotiated rate for prescriptions and services until the deductible is met. As always, if you have questions or would like help from your team, call us at 855-OSCAR-55 or send us a message via your account or the Oscar app.

Sep. 4th, 2018

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Amanda San Antonio, TX

My mother is currently in the hospital and will be discharged soon. Oscar is refusing to accept a payment from her so her insurance will be reinstated. Oscar is refusing to pay for home health care and physical therapy. BOTH of which she needs.

5 years ago

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Reply from Oscar

Hi Amanda, we're very sorry to hear about this and we'd like to look into this further. If you’re comfortable, message us your Oscar ID number and someone from our team will be in touch to help. You can also call us directly at 855-OSCAR-55 or by sending a secure message from your account or the app at anytime.

Oct. 24th, 2018

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Alan H Brown

Online portal is good. Customer service is good. Selection of Doctors OK. Need better contracted rates...office visit too high.

5 years ago

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Reply from Oscar

Hi Alan, we apologize for the frustration. While we do have negotiated rates with all of our in-network providers, these rates vary by service and provider. We're unable to speak on rates that providers have with other insurers, but rest assured that all of our providers work off of a pre-negotiated fee schedule. Please don't hesitate to give us a call with any questions or concerns: 855-OSCAR-55.

Apr. 19th, 2018

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K Brooklyn, NY

Un-effing-believably bad. Get ready for no help, no information, nothing covered, and nobody at the company who knows jack about anything. Not sure if it's helpful if you're hit by a bus, but everything short of that is pretty much not covered.

5 years ago

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Reply from Oscar

Hi K, we’re sorry to hear you’re frustrated and would like to help resolve any issues you’re having. Know that if you’ve signed up for a high-deductible plan, preventive services are covered in full, but any non-preventive services will be subject to the deductible. This means that you'll be responsible for the full negotiated rate of those services up until the amount of your deductible is met. For questions on your plan or billing, if you need to find a doctor, or want information about costs prior to scheduling an appointment, our Concierge team is here to help. When you call or send a message through the Oscar app you’ll be connected to the same people every time. If you’d like, we’d also be glad to reach out to you directly. In that case, please email your member number to or call us at 855-OSCAR-55 to connect with our team.

Jul. 9th, 2018

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Kerry Los Angeles, CA

Not happy with Oscar. The doctors list is NOT updated and slim. In California. I had to call my old Doctor and ask ? Oscar then added him to their “find a Doctor list” They dont cover a full blood panel when getting a physical like most. They hardly cover any general issues! Everything is extra. Terrible customer service.

6 years ago

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Reply from Oscar

Hi Kerry, we’re sorry to hear you’re frustrated. We do our best to keep provider data up to date, but there are sometimes changes made on the provider side that we aren’t made aware of which can cause discrepancies in the data. In cases like this, just let us know like you did and we’ll be happy to update the information accordingly. As for coverage of a blood panel when getting a physical, these services should be covered under the benefits of your plan as long as they’re sent to an in-network lab. It’s possible that your provider is referring to preventive services being covered-in-full in which we follow the U.S. Preventive Services Task Force (USPSTF) recommendations for preventive services. Any preventive lab work done in conjunction with an annual physical will be covered in full with all Oscar plans. Any non-preventive lab work will be generally be covered, but subject to the cost-sharing of your plan (copay, co-insurance, or deductible). For more information on preventive services, you can check out the USPSTF guidelines here: or as always, please don’t hesitate to give us a call at 855-OSCAR-55. We’re always happy to help in any way we can.

Apr. 6th, 2018

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Karen Avon, OH

This is a horrible company...their customer service is the worse! I have been trying to get a refund for the last 3 months. I have been told 3 times my check is in the mail...well, I still have not received any money!! After 10 calls, still no refund! Horrible customer service!!!

6 years ago

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Reply from Oscar

Hi Karen, we're sorry to hear this. If you're comfortable doing so, please message us your Oscar ID number and we'll be happy to have our team look into this further. Apologies for the frustration.

Mar. 13th, 2018

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Louisa San Antonio, TX

I chose the wrong insurance policy. Horrible is the word. Read the small print when searching for plans. It gives you the persuading benefits of AFTER deductible is met. Everything is 100% to MY cost. Might as well not have insurance. Cant change my plan since it's not open enrollment.

6 years ago Edited September 14, 2021

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Reply from Oscar

Hi Louisa, we're sorry to hear your unhappy with your plan choice. All of our plan structures can be found on our site here: . For more in depth information, you can click "Compare plan features" for detailed information on how coverage on each plans work. You also should have received information on the cost-sharing/deductible of your plan both upon enrollment and in your member welcome kit that included your ID card. We're also always here to help you understand your benefits, so please don't hesitate to reach out to us: 855-OSCAR-55.

Mar. 5th, 2018

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Mark Turberfield Brentwood, TN

Don't be fooled by all the fancy apps and simplistic design. Oscar is super expensive, has high deductibles you will never meet in the year and when you do need a doctor who is in network prepare to go to the worst doctors in the city. Also Liberty Dental what a joke.

6 years ago

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Reply from Oscar

Hi Mark, we're sorry to hear you feel this way. Jillian, one of your concierge specialists, has sent you a secure message to see how we can help. Please don't hesitate to let her know if there's anything we can do to assist.

Feb. 23rd, 2018

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Thomas Parker Cedar Creek, TX

Horrible company. Was lied to the entire time i was signing up. For the $1100.00 a month I pay for this insurance I should be able to find a doctor in my area I was told when I signed up that my doctors are in coverage. And I gave them a list of medications I take and was told that they where covered. They are not covered.

6 years ago

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Reply from Oscar

Hi Thomas, we're very sorry to hear this. Due to privacy laws, we're unable to discuss your private health info here, but give us a call at 855-OSCAR-55 or send us a message via your Oscar profile and we'll be happy to look into this and help in any way we can.

Feb. 2nd, 2018

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Dissatisfied Potential Costumer

I would like to send my gratitude to the rude repesentativewho hange up the phone on me when I said I was not available to talk because i was eating lunch. Ended up not getting your service because of that and I hope you reprimand your staff to be more courteous to people. Potential costumer lost here. Well done!

7 years ago Edited September 14, 2021

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Dissatisfied Potential Costumer

I would like to send my gratitude to the rude repesentativewho hange up the phone on me when I said I was not available to talk because i was eating lunch. Ended up not getting your service because of that and I hope you reprimand your staff to be more courteous to people. Potential costumer lost here. Well done!

7 years ago

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Meagan Brus Astoria, NY

They seem to lose information often and take FOREVER to process claims (still waiting for mine almost 5 months later, while receiving collection demands from the provider). Dollar amounts owed change at random. Nothing is made clear on plan documents or when calling customer service. Terrible.

7 years ago

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David Chirls Brooklyn, NY

The absolute worst health insurance company imaginable. I'm a 60 year old man who has dealt with 10 health insurance companies during my lifetime. Their customer service is horrible, compliance is a joke and concern for the customer is non-existent. I'm dealing with the Attorney General of NY to resolve my issues.

7 years ago

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andrea Springfield, NJ

BE AWARE PEOPLE. This insurance company is a big scammer in the market. if you visit their so called "In Network Doctor" they send testing (like blood, urine) to out of Network labs without telling you and decline the claim. I would say stay away with this insurance company.

8 years ago

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John Jung Great Neck, NY

HiOscar has the tendency to bill you monthly then suddenly demand 6X the price for no reason. I didn't even use my plan. They spelled my name wrong, and got my address wrong from day one and it's still NOT fixed. I cancelled them. DO NOT BOTHER SIGNING UP.

8 years ago

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Oscar UNMember Plano, TX

They hardly have providers and experienced tough time and also got delayed for my treatment because of lack of providers and all they have is only BAYLOR/SCOTT and WHiTE network who are expensive. I will be changing the insurance the first chance i get.

8 years ago

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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.

3 years ago Edited September 14, 2021

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Reply from Oscar

We're so happy to hear this, Tiauna!

Sep. 8th, 2020

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Marvi Arredondo Miami, FL

Good insurance great customer service. Easy

5 months ago

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Emilce Bueno Miami, FL

Good customer services, and support when I was a new customer.

8 months ago Edited September 21, 2023

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florencia menendez Norwalk, CT

Great service , everything worked perfectly , customer service is amazing

9 months ago Edited August 9, 2023

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Maria Vieira Hollywood, FL

Very good health insurance., very good doctors and customer service .

11 months ago

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Chloe Munyon Bryn Athyn, PA

I just got this insurance and already nobody will answer emails or calls. All I need was to know a time frame of something and nobody has the answers. I do not recommend this insurance to anyone.

1 year ago

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Reply from Oscar

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

Oct. 14th, 2022

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Christopher Allen Delaware, OH

AWFUL.. slow service.. I was sold a policy that was not accepted at Urgent Care in the town I live in yet Oscar knew my address.. had reaction to wasp sting - coverage was denied and appeal was denied....SHOP OTHER INSURERS

1 year ago

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Reply from Oscar

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

Sep. 7th, 2022

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Josh Merrill Chino, CA

I like nothing about Oscar health. They have sent me to closed clinics, no specialists take them, most urgent care centers don't that all their phone numbers are disconnected. Terrible

2 years ago

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Reply from Oscar

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

Feb. 15th, 2022

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Darrin Mack Apache Junction, AZ

They pay NOTHING. Oscar is receiving over 2k a MONTH from the government (healthcare marketplace) on my behalf.....and they REJECT most in network doctor visits/exams/treatments. DO NOT CHOSE THIS COMPANY!!!!!

2 years ago Edited November 19, 2021

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Reply from Oscar

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

Sep. 24th, 2021

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Michael Rademacher Lake Grove, NY

ridiculous how you can raise premiums as much as you do every year, if you raise them again next year I will not be part of it. I do love the amazon steps program, makes me get my steps in cause who doesn't love free stuff.

2 years ago

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Reply from Oscar

Hi Michael! 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 DM us with your Oscar ID number to get started.

Aug. 24th, 2021

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Wendy Lynch Avon Lake, OH

The app is simple to use. Interaction with the company has been professional and helpful.

2 years ago

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Reply from Oscar

Glad to hear you're enjoying your Oscar experience, Wendy!

Aug. 24th, 2021

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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.

3 years 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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Syah Johan Warwick, NY

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

4 years 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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B-dog San Antonio, TX

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.

4 years ago

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Reply from Oscar

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.

May. 22nd, 2020

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James Simon New York, NY

Least expensive comprehensive health care I can find. We should have Medicare For All so this isn't necessary.

4 years ago

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Alayou Seboka Houston, TX

I complete my registration and premium payment for oscar. I received an email "your enrollment is almost done" and send me the receipt for the payment, but you are not allow me to log in the app.

4 years ago

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Reply from Oscar

Hi Alayou, thanks for choosing Oscar! Your Concierge team would be happy to help you out with this. Please give the team a call today at 855-672-2755 to get started.

Dec. 6th, 2019

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Mehrdad Los Angeles, CA

One of the good insurance provide, very affordable price and great online service and website

4 years ago

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LORELEI SMITH Converse, TX

The website information regarding Oscar doctors is user friendly though I learned not always up to date & accurate.

4 years ago

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Tara Ozanyan Los Angeles, CA

Working with Oscar Insurance has been incredibly easy and makes scheduling a breeze!

4 years ago

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mark eichenseer Columbus, OH

I like the resources and support. I do not like the increase cost each year of monthly premiums and out of pocket max.

4 years ago Edited September 14, 2021