Name: Oscar
Rating: 3.4

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Thaddeus Bouska Brooklyn, NY

Oscar, like all modern health insurance companies, has its problems. Healthcare is expensive, and insurance never covers enough of the costs. But if you put aside industry-wide complaints about those costs, I find Oscar is pretty good in one big way that sets it apart from competitors in New York. They have excellent customer service who is very helpful at navigating the world of healthcare with you, explaining everything and trying their best to help you get the care you need. They make the service worthwhile over other similarly priced companies that don't offer such helpful service.

5 years ago

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deborah hensley Austin, TX

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

5 years ago

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Kanna emerick Orlando, FL

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

5 years ago

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Marty Robbins Austin, TX

Oscar is an awesome Insurance Provider . I'm very happy with the app, concierge team and the ability to get a call in with a Oscar Dr at anytime I need it . The out of pockets , deductibles and prescriptions are nice and low too The walking incentive is great as a motivator also . Just get Oscar best move you can make .

5 years ago

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Eric Austin Huntington Beach, CA

Oscar has excellent customer service and responsiveness. They are new, so still sometimes unknown to the receptionists of my doctors, but I have not had any issues obtaining approvals or coverage with any of my needs. So far an excellent experience.

5 years ago

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Francisco Laguna Niguel, CA

The thing I enjoy most about Oscar is the mobile app. I use that app all the time whether it be to see my steps or just get information. It’s very easy to use and very convenient. Customer service is great and haven’t had a problem so far.

5 years ago

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Justin Fox Austin, TX

My favorite thing about Oscar is that I'm always able to get a hold of an agent if I need anything. No robots, no automated voice, no long queues - If I need to speak with an Oscar representative I'm almost always instantly connected with a real person. They're always very helpful and very friendly.

5 years ago

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Paul New York, NY

The app is great; paperwork and reports are clear; and the drug coverage is excellent. I have no complains after about 14 months enrolled (though admittedly I haven't had any out-of-the-ordinary health needs). The only reason I gave 4 stars rather than five is the very high cost of the plan, which went up $100 after my first year, and is slated to go up about $140 after the second. (But then again, skyrocketing costs probably aren't limited to Oscar!)

5 years ago

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Phil Torrance, CA

Modern insurance company with fair pricing, good selection of doctors, and good coverage. We needed basic health insurance to cover our catastrophic needs. We also wanted reasonable pricing on our everyday health needs. So far Oscar has delivered what we expected. Their website and app make it much easier to interact with the company.

5 years ago

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HOWARD DARVIN Beachwood, OH

Overall, Oscar insurance is well run. Good communication when required. Only concern is their explanation of benefits does not list the service provided, any codes or name of provider. This makes it very difficult to reconcile with bills received from providers.

5 years ago

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Jennifer Vermillion Kyle, TX

From a personal concierge team to help you, to being able to talk with a professional, this insurance is AMAZING. Makes everything so easy. Able to find any type or doctor and any type of care right on an easy to navigate app on my phone. It's Wonderful!!! Able to book appointments right on the app even!

5 years ago

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Sue Venice, CA

Since switching to Oscar from another very reputable health insurance provider, I could not be happier. From the level of doctors available to the app, and the doctor on call, I have been blown away from the level of excellence. I have recommended Oscar to all my friends and they will all be switching when they can.

5 years ago

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Christina Silva-Salgado Huntington Beach, CA

I am very happy with Oscar Insurance. You guys are very helpful and fast responding to any questions we have and recently you helped me find a specialist to follow up after I burned myself. It was refreshing to have help and fast help, from an insurance company.

6 years ago

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Alexa L. San Antonio, TX

I really like the ability to have a phone conversation with a doctor. That feature has been incredibly helpful. I also enjoy the concierge team who help me navigate my medical care. It has been good being able to schedule specialist appointments directly too. So far the price is Ok as well. All that and a critical mass of providers who take Oscar make it great for our family.

6 years ago

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Jeronimo New York, NY

Oscar provides a competitively priced insurance for the New York market, which is widely accepted with multiple pcp and specialists. Additionally, their digital platform allows you to speak with a dedicated concierge team and medical professionals on demand for minor inquiries, which are both time saving and very efficient, as well as helping you save on the co-pays with the doctors.

6 years ago

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Jeff McCourt Austin, TX

Oscar has been the best health insurance plan I have ever had. Have an issue with a provider? Tell Oscar and it gets resolved quickly. Need to find a doctor in network? No problem - just use their search engine and several doctors are shown.

6 years ago

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M. Smith San Antonio, TX

I have been extremely happy with the benefits of having OSCAR! I am only leaving now because I have reached Medicare age and am moving to Medicare. I have utilized the Doctor on call a couple of times and messaging someone to be given further instruction on how to do certain things with my OSCAR account. I am pleased that I found OSCAR!

6 years ago

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Lydia Benavidez San Antonio, TX

Very helpful,answered all my questions. Called the Pharmacy to check the status on my order that had been taking long to get delivered. Reassured me that he would keep me updated . I'm very happy with how I get taken care of

6 years ago

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Joe Juarez Bellevue, TX

Everything has been wonderful with Oscar. They always keep you up to date on things. The cost is decent and affordable. I have not had any problems with Oscar in the in the two or three years that I have been with them. They also bill you on time.

6 years ago

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Caitlin Austin, TX

The Oscar app is unlike anything I've experienced. It has everything you need. You can get ahold of a doctor at any time for questions. Your concierge team answers anything you find confusing. I've found amazing health care professionals based on their reviews. And they give me money for making appointments and staying active!

6 years ago

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Paige Brooklyn, NY

It's always easy to make appointments, see my history or upcoming appointment details, communicate about pricing before going to an appointment, and the pricing is very transparently broken down within the app. I honestly have no complaints.

6 years ago

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Brian B San Clemente, CA

Healthcare simplified! Billing is clear, concise. Customer service is helpful and quick to respond. Seems like Oscar avoids bombarding its' customers surplus information / advertising etc. A refreshing experience compared with the more established Healthcare Providers...

6 years ago

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Mark Santos Austin, TX

Good rates and easy to use website. I haven’t used much of the medical benefits since I’ve been blessed with good health, but they are available. If you hardly see doctors and maintain good health, this plan is the most practical.

6 years ago

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Christina Independence, OH

I am self employed and have had Anthem health insurance, and Medical Mutual for the past several years, I currently signed up with Oscar health insurance and I have to say I am very pleased the pricing is fair, the coverage is great and the billing is a breeze to understand. I give in a thumbs up. 👍

6 years ago

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Oluwatoyin Awofeso Austin, TX

Best insurance I've had ever! I really enjoy the case management part of my plan because i am highly forgetful. It is great to know that there is someone making sure I dont miss out on any of my health related obligations and benefits.

6 years ago

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Joan vangurp East Setauket, NY

My experience with the Oscar associates Angie and Scott have been extremely positive. They are caring thorough and have followed up with my questions and concerns in a timely manner. They really have made a difficult situation manageable Thank you for their help

6 years ago

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Keiko Sakamoto Laguna Beach, CA

My daughter is seeking health Insurance now that she is no longer age-eligible to be insured under our family health insurance plan. She asked me to take a look at Oscar online and what an impressive and easy website to navigate for researching options. She decided to sign up btw!

6 years ago

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Sophia Witte New York, NY

I went on Oscar's website when I was looking for health insurance and was super impressed with how easy it was to enroll. I ended up getting health insurance through my job but would definitely switch to Oscar if I ever need to enroll on my own!

6 years ago

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j Plainview, NY

removing gym reimbursement without notice is not right to your members. Replacing with steps, while it comes close to rewards, it is a lower dollar amount rewarded, and you increase the required steps once you hit that particular goal. while I understand that Oscar is in it for profits, this will hurt the bottom line of the company. While steps are important, there are other forms of exercise which are also just as important, for instance swimming and bicycling. Both are activities which I engage in and now will not be entitled to reimbursement. Sad that you are really no providing encouragement to good health but rather looking to not only increase the bottom line, but also to gather data on your members. Shame.

6 years ago

Reply from Oscar

Hi j, we're sorry to hear you feel this way, but we appreciate the feedback and have sent it to our product team for review. Previously, gym reimbursements required documentation to be submitted and reviewed. We wanted to create a program that would be more convenient for our members, so we introduced Step Tracking so members could continue to receive rewards for staying active. The program makes it easy for members to monitor and meet their step goals daily, and cash out for an Amazon Gift Card at any time directly from the Oscar app. If you have questions or would like to share additional feedback you can reach us at 855-OSCAR-55 or by sending a secure message from your account or the app.

Sep. 11th, 2018

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Marina Gibbons Los Angeles, CA

My husband and I were nervous about going with such a young Insurance but it was the best thing we did. It really is great. The options for Drs is great and the claim process is simple and clear. Not to mention the dedicated Customer Service. We even get amazon $ for steps. Highly recommend.

7 years ago

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Nicole Brooklyn, NY

With Oscar, I can have a Doctor call me back in 10 mins or less AND they prescribe/refill medication. That's huge for me! And when I do need to see a doctor IRL, I can ping my rep there directly and he finds me the best doctor for me, close to work. I know its pricey but its still cheaper than everyone else and they are totally worth it.

7 years ago

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linda posillico Albertson, NY

I've had a very good experience with Oscar but nervous now because 3 doctors have dropped Oscar and I'm having a hard time finding new doctors who take the insurance...its making me uneasy now. I went to a specialist in Oscars plan but then I got a bill for over $700. from Oscar. They (Oscar) said "one of the doctors 3 office locations was not medically covered" yes, I said "the doctors location of his office" and I should have know that info prior to seeing the doctor.,,in other words, if I saw the doctor at one of the other 3 locations, I would be covered...crazy! The specialist dropped Oscar and released me of any responsibility of payment and ate the loss...isn't that a shame that Oscar stiffed the specialist and me as well because I would have had to pay that bill.

8 years ago

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Crystal San Antonio, TX

I live in Texas, and signed up for Oscar in January. They have been awesome so far. Got sick, had a doctor call me, diagnose me over the phone, and had meds (generics and FREE) in less than an hour. Amazing service. Love these guys.

8 years ago

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Cheryl Rugg

Horrific experience for traumatic event. I was left stranded in a rehab center after a bowel perforation left me with a wound vac and colostomy. They could not find any provider to provide home healthcare! No-one. And rather than go out of network they just left me in a rehab center. It was horrific. Customer service is mostly nonexistent.

5 months ago

Reply from Oscar

Hi, thanks for reaching out. We’re very sorry about this experience and we’d like to help. Please send us an email at reviews@hioscar.com with a brief description of your issue, and we can assist you with this.

Any information sent through email is inherently insecure. If you send Protected Health Information (PHI) and/or Personal Identifiable Information (PII) through email, you do so at your own risk.

Jul. 23rd, 2024

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Nate Vassar

This insurance company does not cover anything that they say they will from when you talk to them on the phone when signing up. If you call customer service you have to deal with someone in India that barely speaks. If you are hold long the will hang up on you. They may say the call dropped it is a lie. I give them my number to call back they don't. This is not on my end I have never dropped a call from my house in 9 years. This company is a scam. They take premiums but do not want to pay anything. I cannot say enough bad things about this company I highly recommend you shop for another company. I would rather pay double the premiums I am paying now than deal with this company.

9 months ago

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Dan Kruse Palm Coast, FL

If I could leave zero stars I would. Had a plan with Oscar and tried to cancel before it started, they claimed it had to be done through the Marketplace, LIE!! I wanted to cancel because I had signed up for a new Oscar plan due to income changes. I was told it would take 30 days for escalation team to review. It was never cancelled and the policy went on for 30 days and eventually cancelled due to non payment. No big deal as my new plan was going to start at the end of the first plan anyways. I had paid my premium 6 weeks in advance and everything looked good on Feb1, had a Dr's appointment soon after and then a few days later they cancelled my new plan and then sent me an email that they would refund my premium. Cleary they are an extremely unethical company as I'm sure now they wont pay the Dr's office for my visit. This company is sketch sketch, sketch! During this time I was looking for an orthopedic surgeon, I called 35 of the 70+ listed on their website and none take Oscar, do you know why, because Oscar wont pay the providers, one office told me they have been battling with them for payment for two years. Again, a very unethical company where money is going into someone's pockets.

10 months ago

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Georgia Lee Lincoln, NE

This is the worst insurance co I’ve ever had and it’s only been in effect for one day. They lied on the marketplace and said my doctor was in there network but when I showed up for my doctor appt they told me they don’t take Oscar. Now I have to find another doctor and I’m stuck with this pathetic co. I have filed a complaint with my state and the marketplace and I’m leaving reviews when I can. Don’t sign up with this company you will never be able to understand the person on the phone if you can even get through to someone. The customers are being mislead into signing up with this company and that is illegal. If I lied to an insurance co I would be charge with felony fraud! I will never even consider an Oscar policy for the rest of my life and I can’t wait u til they go out of business. I give them a year and they’ll be closed. Pathetic company they should be shamed of themselves.

10 months ago

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VL C San Antonio, TX

Pro: Specialist copay is reasonable and (so far) my specialist is in network. Con: Prescriptions not covered unless I either a) get them prescribed from an Oscar virtual dr visit, or b) have my specialist doctor (cardiologist) upload all my records and get approval for the drug. It appears Oscar does not like to cover routine meds like high blood pressure meds and anticoagulants despite me having valid prescriptions. So I will continue to pay out of pocket until later this year when I'm eligible for Medicare. And NO, Oscar, I will NOT be selecting one of your Medicare plans.

2 years ago

Reply from Oscar

VL C, 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.

Apr. 29th, 2022

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Sylvia Vicari Palm Beach, FL

Before I signed up for Oscar I asked Oscar if my doctor was part of their network and was told he was. My doctor thought he was. I went to my PCP and then got an EOB with a denial of coverage saying he was out of network...WHAT!! I call and ask WTF they told me he is out of network at that location. UMMMM thats his only location so again WTF. Doctors office was saying the same thing WTF apparently they did this to everyone in his office with Oscar. Now I need an MRI to see if a breast implant I got 13 years ago after a mastectomy is leaking and causeing my recent pain. Today I got a letter saying they need more info like last mammogram and ultra sound. I had a bilateral mastectomy 13 years ago there is no mammogram. So now I have to wait up to 2 weeks for their doctor to decide if an MRI is necessary. How is their doctor who did not see me suppose to figure out what my doctor that did see me is correct in ordering an MRI. In the meantime I can sit and wait...cuz they sure as hell don't care about me. I can't wait until December when I can get rid of this crappy insurance company.

2 years ago Edited July 26, 2022

Reply from Oscar

Sylvia, 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.

Apr. 12th, 2022

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marielena halebian Burbank, CA

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

3 years ago

Reply from Oscar

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

Sep. 17th, 2021

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ccs99@ymail.com Austin, TX

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

3 years ago

Reply from Oscar

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

Sep. 6th, 2021

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ian Van Nuys, CA

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

3 years ago

Reply from Oscar

We're glad to hear this, Ian!

Aug. 24th, 2021

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Esther Haynie Dallas, TX

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

3 years ago

Reply from Oscar

Thanks for the kind words, Esther!

Aug. 24th, 2021

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Sheryl Brooklyn, NY

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

3 years ago Edited October 28, 2021

Reply from Oscar

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

Sep. 6th, 2021

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Becky Winter Springs, FL

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

3 years ago

Reply from Oscar

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

Aug. 24th, 2021

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Vginestra Boca Raton, FL

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

3 years ago

Reply from Oscar

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

Sep. 6th, 2021

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Felice Cohen Hyannis, MA

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

3 years ago

Reply from Oscar

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

Aug. 24th, 2021

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Lori Miami, FL

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

3 years ago

Reply from Oscar

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

Sep. 6th, 2021

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Gatcha Brooklyn, NY

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

3 years ago

Reply from Oscar

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

Sep. 6th, 2021

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KD Orange, CA

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

3 years ago Edited September 14, 2021

Reply from Oscar

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

Aug. 6th, 2021