Name: Oscar
Rating: 3.4

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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

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Suzanne Ohman Mission Viejo, CA

Oscar insurance has proven to be a great value with a large number of providers. Can’t beat a $5 co-pay! The provider list does not have a ton of information at this time, have to make the calls and view individual websites to make sure doctors’ are in-network.

3 years ago

Reply from Oscar

We're glad to hear it, Suzanne! Please know that we also really appreciate your feedback and will take your insights back to the appropriate teams.

Jun. 24th, 2021

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Sandra Zarate Los Angeles, CA

I have had Oscar through Covered Ca for 2 years. There are so many providers, the costs for going in to see a doctor are upfront, right on my ins. card and they are so online friendly. Virtual visits and all!

3 years ago

Reply from Oscar

Thank you for the kind words, Sandra!

Jun. 24th, 2021

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carole abel Palm Coast, FL

i like oscars reach to my chosen doctors and affordable premiums but dislike the copays and out of pocket expenses lately, they have been noticeably higher and we have a lot of tests coming up this fall. the customer service reps are great and knowledgable

3 years ago Edited September 14, 2021

Reply from Oscar

Hi Carole, thank you for your feedback! We really appreciate it. Please know we'll take your insights on cost back to our team.

Jun. 1st, 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 years ago Edited September 14, 2021

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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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! :)

4 years ago

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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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.

4 years ago

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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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.

4 years ago

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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Zacarías del pozo Austin, TX

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

4 years ago

Reply from Oscar

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

May. 22nd, 2020

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Nikki Pileggi San Antonio, TX

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

4 years ago

Reply from Oscar

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

May. 22nd, 2020

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John O Lewis Center, OH

I hope that I didn't make a HUGE mistake changing insurance to this company. Signed up thru healthcare.gov - after selecting, directed me to website to make a payment. Website would not accept it - didnt recognize the forward. So i tried to setup an account using my social. Then it asked me to select a plan.????? Just did that. Tried to link the two with no luck.....Finally Received a bill on 12/26/19 with a due date of 1/1/20 and a threat to cancel if not received. Again on website, tried to enter Member id as shown on invoice ** EXACTLY**. responded bad formatting. although my social was correct, still could not pay bill online as there was no account associated with it. tried to call the "concierge" number just to figure out how to pay the bill.....no answer after extremely lengthy hold. I hope this is not an an indication of how they plan on doing business on Ohio.

4 years ago

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Allison New Albany, OH

Oscar pays for all of my visits to Mount Carmel Health facilities and doctors. It also pays for my prescriptions. It does not pay for OSU or OhioHealth facilities or doctors. It also has a poor eyecare insurance payment.

5 years ago

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Victoria Brooklyn, NY

I'm 63. I pay over $5,000 a year for medical insurance with Oscar. I have a $7,000 deductible so I don't go to doctors if I can avoid it. It's hard to put a positive spin on this. That said, if I could do better elsewhere, I would switch insurers. (I will be voting for the Democratic Presidential candidate in 2020...) I give Oscar credit for how they have streamlined the experience of getting information, even if the information I get is regrettable. Their Web site is uncluttered and intuitive; the customer service representatives work hard to answer my questions in a timely manner and are always pleasant. What is it they say about democracy--that it is the worst form of government except for all the other forms? Well, though I give Oscar a 2, I give all the others a 1.

5 years ago

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chelsea Brooklyn, NY

While my plan is relatively limited and relatively costly, no health insurance is a cup of tea in this backwards country. Oscar does make it easy, however, to navigate my plan and my benefits via their website and smartphone app, making for a more accessible and seemingly transparent health care experience. I only wish coverage was wider-ranged and less expensive...

5 years ago

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Dmitry Popov Santa Monica, CA

Totally like Oscar - the selection of providers, great value for the price, the app, the doctor on call. So sorry I moved to a different state where Oscar is not yet available :(

5 years ago

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Susan B. Chatsworth, CA

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

5 years ago

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Antony Kenihan Laguna Beach, CA

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

5 years ago

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Oscarnj Morris Plains, NJ

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

5 years ago

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Shira Lakewood, NJ

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

5 years ago

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Christina G. San Antonio, TX

The best part about Oscar is the one call doctor. The call you back so quickly and get to the root of the problem quickly. I would recommend Oscar based soley on this! No more needing to make useless doctors apportionment for stuff you just need a quick fix on!

5 years ago

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Beth Brooklyn, NY

Oscar is a very easy insurance platform to use. My agents are helpful and re-ordering my prescriptions is fast and seamless. I have had a great experience and I would recommend.

5 years ago

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KevinB Brooklyn, NY

UPDATE June 15 2019 -- Oscar sent me a letter letting me know they will increase their premiums 22% at the end of the year. 22%?!! Of course their CEO gets a fat pay package, but obviously he's not doing a good job if he can't control prices. Can you imaging your Utility, your internet service provider, etc., increasing their prices 22% per year?? It's an OUTRAGEOUS GOUGING of their customers. Looking elsewhere and fighting the increase with the NYC Dept of Health Services. OLD REVIEW: Oscar lives up to the hype. Doctor on call or on the app is great. Concierge is very responsive. Have been pleased with the service so far.

5 years ago

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Steve Henderson, NV

I've had mixed experiences. My first appt was canceled after it was booked, my prescription medication was not covered, and the doctor I went to for my checkup sent me to two other doctors for the lab, which was very time consuming.

5 years ago

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Joslynn La Mirada, CA

Using the Oscar app has made healthcare enjoyable. I am easily able to speak with a provider and customer service. Everything I have needed was found on the app either through set features or with the messaging service.

5 years ago

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Nicole New York, NY

Love the teledoc. If you have regular doctors that you enjoy, I would make sure you confirm they take oscar before switching, as quite a number don't. For how little my husband and I need medical attention, our premiums seem outrageous to me, personally. Otherwise, they've been easy and pleasant.

5 years ago

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Morgan Lane Canyon Lake, TX

I love the app and being able to text a doctor. Have also had the receive a callback and both have worked great. Both times felt like they took the time and they called in RX for me. Great experience.

5 years ago

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John Austin, TX

I went for my "free" annual checkup in-network and had a blood table done and my bill is still $6,188.34 two months later. There are 3 general practitioners in Austin and 9 total in Central Texas (within 2 hours of Austin) that are available in-network. This company is a compete joke playing a dangerous game with people's lives. I would hate to be in a serious situation where I'm getting denied for what most other providers cover. Positives: cheap premiums (though denied when you use it), their app is easy to use, HSA available. Oscar may be good for something catastrophic but think twice before you dare use it unless you're on your deathbed.

5 years ago

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Agent Brown San Antonio, TX

Good, however conflicting information on Parent aging off @ 65 and enrollment of 4 remaining children - over age 18 but under age 26.. Confused the client AND Agent B... complicated where did not have to be....

5 years ago

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Cyndi Elders Dana Point, CA

First time I have ever had a customer service rep call me to explain an error made (before I even knew there was an error) which was very impressive. I am new to OSCAR this year and so far have been very pleased.

5 years ago

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Debra San Antonio, TX

I like the benefits of my plan. I would like to see more doctors added to the plan. The doctor that we were seeing in the plan is no longer in network. While looking for a new doctor, I noticed a list of doctors no longer in network. This concerned me.

5 years ago

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Salpi Chatsworth, CA

The best part about Oscar, in my opinion, compared to other Health Insurance providers, is the ease with which to locate services, and communicate with representatives online.

5 years ago

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zelda Santa Monica, CA

Let Oscar's robotic template responses to real people's reviews here be your guide, then pick ANY other insurance company. "Oh, sorry you're frustrated..." - as in, Oscar doesn't think their customers' experiences of their piss-poor insurance are legitimate. You'll *read* their same cut/paste responses about how "sorry that you're frustrated" Oscar is. But after two years with Oscar in a major metropolis (LA), I promise it's getting worse to actually get care through Oscar. "...our Curated Network..." - That means you'll wait a month to see a doctor, if you're lucky. Plan on waiting and waiting and waiting to actually see a doctor. By the way, a couple of the providers in their carefully "curated network" are actually deceased. Pretty disgraceful. Oscar's cheerful fonts, app, and cutesy language doesn't cut it when your health and life are concerned. Their robo-replies here are very telling about how "corporate" and robotic and incompetent Oscar actually is. STAY AWAY!

5 years ago

Reply from Oscar

Oh my! This isn't what we like to hear. If you’re having issues finding a provider, please reach out to your Concierge team and they’ll work with you to find one that fits your needs. In regards to deceased providers, we’d like to investigate this. Give us a call at 855-OSCAR-55 or send us a secure message via your Oscar profile with the details and we'll be more than happy to escalate this feedback accordingly. We apologize again for the negative experience, Zelda, and look forward to helping you when you reach out.

Apr. 17th, 2019

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Rizz Ladera Ranch, CA

Pros: Lowest Price for any metal tier, same benefits as other metal-tiered plans as other competitors, and if you like gimmicky presentation with decent technology, then Oscar is good for you. Their customer service team is amazing! They are very helpful and pleasant. The Bad: Very limited medical access because they keep throwing this curated network to manage cost. The problem is the Curated Network chosen will decide which local providers they want to contract to be part of their network. So, if you can't see many providers in your area, blame the curated network that Oscar has chosen, indirectly blaming Oscar because they fail to address this effectively. Great idea, but horrible execution.

5 years ago

Reply from Oscar

Hi Rizz, thank you for taking the time to share this feedback. We’re happy to hear that our customer service team is very helpful and pleasant, however we’re sorry to hear you’re frustrated 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. Our team is here to help you find the right provider for your needs, so give them a call at 1-855-OSCAR-55 to get the conversation started.

Apr. 3rd, 2019

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Arthur Ellin New York, NY

Oscar offers a pretty thin network. In TVs and cellphones, thin is good. In medical care, not so much. It means that it's hard to find a good doctor to treat your condition. Or hospital. Virtually no major New York hospitals accept this insurance except Mount Sinai, and almost none of my Mount Sinai doctors accept it either. None of the good doctors I have gone to in the past accept this insurance. Instead, I have been to some truly horrible practices and clinics . In one case, over three visits, I never saw an actual doctor, just a nurse practitioner. I have also seen good doctors who are part of terrible, factory-like practices that make it impossible from them to do their jobs well since they only have five minutes with each patient. I have been misdiagnosed, non-diagnosed, etc. Oscar is also extremely stingy with reimbursements for lab work, physical therapy etc. even for preventive or covered services. They always find ways not to pay for certain things. They focus a lot of PR on their app, their "wellness center" in Brooklyn, and other meaningless stuff. On the key issue—medical treatment—they are terrible. The only reason I gave them two stars instead of one is that they don't require referrals for you to see doctors in their crappy network. This offers some freedom to pick and choose so you are not completely at the mercy of a primary care provider. But your choices may not be great.

5 years ago

Reply from Oscar

Hi Arthur, thank you for sharing this feedback. While we can’t speak to your specific concerns on Best Company due to privacy laws, we’re happy to address your feedback generally. Oscar has a curated network of providers built around provider systems who, like us, are focused on keeping costs down for our members. Each member is assigned a care team who can advocate for them if they do think there is an access gap. If you have a concern with a specific provider, we recommend sharing your feedback with the provider directly as well as your care team at Oscar. Members can also rate providers using our tools to provide feedback. Keep in mind, coverage depends on the plan you have. If you think you might be on the wrong plan for your care needs, your care team can help as well. To discuss any of this in further detail, please call us at 855-OSCAR-55 to be connected directly with your team.

Dec. 12th, 2018

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M.A. Scottsdale, AZ

PRO: - Doctor call option to discuss if you should go to urgent care - Easy to find who IS in Network (see cons though...) - Easy Messaging System CON: - Doctors in network are not doctors that are popular and suggested - Only can get a breast pump through ONE company - the company has changed and I had to notify them. They then sent me another company that only provides minimal options and they didn't answer the phone. - Will wait 24 hours with their chat option.

5 years ago

Reply from Oscar

Hi M.A., thank you for taking the time to leave this review. We're glad to hear you like our Doctor on Call and messaging features, but we're sorry to hear you had a negative experience with our doctors in network. This certainly isn't the experience we hope to offer our members and we'd like to look into this further. DM us your Oscar ID number and someone from our team will be in touch. We're sorry to hear that you ran into issues getting a breast pump as well. We work with different vendors, depending on which state you are in, to supply durable medical equipment like breast pumps. We do appreciate it when our members provide their feedback on our vendors so we can improve the experience moving forward. If you'd like to discuss this matter further, please call us at 855-OSCAR-55 to be connected directly with your care team.

Feb. 7th, 2019

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Jon North Olmsted, OH

I liked the intuitive design of Oscar's website and app, but their computer systems clearly have some kinks to work out. For a few months, their site and app showed that I owed $0 in premium payments. It even showed my statements for previous and current months as being paid in full. Then I got an email one day warning me that if I did not pay my premium, my coverage would be canceled. Immediately upon receiving this email, I called customer service to figure out what was wrong. I was told that an error with their system had caused the website to inaccurately display that I was paid in full, and that I actually still owed premium payments. So I agreed to pay my entire outstanding balance over the phone that day, and then I set the website to auto-withdraw from my bank so that this would not happen again. Two weeks later in December 2018, I received a letter in the mail stating that my coverage had been canceled due to delinquent non-payment. It stated that I hadn't paid during the grace period of December 2018 to February 2019, and my coverage had been canceled as of November 30. Obviously, these dates made no sense. I also received at the same time a welcome packet and new ID cards. Yet whenever I logged into the site at this point, it said I no longer had a plan through Oscar. I called customer service again and found out that even though this whole thing was Oscar's error, they could not reinstate my coverage because it had been apparently canceled by the Federal Health Market. I then had to call the Federal Health Market in order to figure out that when Oscar had tried to reinstate my plan the first time, the Market did not let them because the Market's records still erroneously showed that I had failed to make payments. Now I'm waiting to hear back from the Market as they have escalated my case to be investigated. I've been assured by both them and Oscar that this process will finish within the next 30 days and then my coverage will be reinstated. I'm hoping that will happen. Nevertheless, it is still bizarre that a healthcare company's computer system could be so broken as to cancel someone's coverage for no reason and send out notices that are so bizarre and contradictory; and then have no way of easily reinstating the plan even when the error was on their end. I had to do an awful lot of investigation on my own to even figure out what had gone wrong. So I'm currently uninsured, and I have to pay out of pocket for prescriptions until my coverage is reinstated. Oscar has offered to reimburse these costs once my plan is back, which I hope will happen. And they say I'll be able to have my doctor bill claims reprocessed at that point. Even still, what would I have done if I couldn't afford to pay for the prescriptions out of pocket during this period? Hopefully once this is remedied, I'll have better experience with Oscar, but so far it's been a major confusing headache.

5 years ago

Reply from Oscar

Hi Jon, thank you for taking the time to leave this review. We’re happy to hear you like our website and app, but we’re sorry to hear you’ve run into billing issues and received conflicting messages from us. We know this didn’t make for a good start to the year, and we’re very sorry for any inconveniences this may have caused you and your family. If you have any follow-up questions, please don’t hesitate to call your Concierge team at 855-OSCAR-55 so we can make this right.

Feb. 13th, 2019

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Delia Hernandez San Antonio, TX

This is my 3rd year with Oscar and I am completely satisfied. I kept all my doctors and Oscar has the best benefits overall, that meet my needs and my budget. Customer service is great and they cover my meds.

6 years ago

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Sheryl MG Sea Girt, NJ

I find it very easy to use, and the premiums were more affordable than traditional health insurance which is why I switched. I also can find the specialists that I need in the geographic areas where I work and live.

6 years ago

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TM Brooklyn, NY

I've had Oscar for 3 years. It's great EXCEPT for ONE major flaw: The provider network is much too small. It can be difficult to find doctors that accept Oscar. Perhaps in smaller communities with a smaller pool of doctors, it is easier, but in the NYC area, the ratio of Oscar doctors to everyone else seems tiny. One note about people who suspect fake positive reviews in October: Perhaps there are more reviews in October because that is when everyone starts shopping for new insurance. I know I found this site because of that....

6 years ago

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Sandra Austin, TX

I was pleased with them for the first few years but recently I’m finding they are difficult to get information about price estimates and coverage. I get sent in circles by everyone involved: doctor, lab, and Oscar. I do like getting paid for step goals, doctor on call has been helpful, and my doctors are in their network for the most part. I also appreciate their technology, the app is convenient and having immediate access to a concierge is pretty great. I just wish they could be more transparent about cost and coverages for specific procedures and tests.

6 years ago Edited September 14, 2021

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Ecoughlin Austin, TX

Oscar has been a very good insurance for our family. We've had no problems at all with getting Dr. bills paid and it's easy to track claims and payments through the website. I am giving 4 stars instead of 5 because most communication with Oscar is by text or email. Sometimes you just need to talk to someone on the phone.

6 years ago

Reply from Oscar

Thank you for the kind review! Note that you can always call us at 855-OSCAR-55 to be connected directly with your Concierge team if you prefer to talk on the phone.

Oct. 26th, 2018

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IFA-SA San Antonio, TX

Oscar representatives ALWAYS take care of any medical requirements I might have upcoming. I currently have Stage 4 Cancer, and it is nice that my health care is one less thing to worry about! Thank you!

6 years ago

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Patty Santa Monica, CA

I found Oscar health insurance to be very efficient . Good communication, excellent healthcare coverage, and a willingness to research questions and respond- either by email, or phone call. I am hoping they will enter the Medicare field, so I can continue to have such excellent service. Thanks, Oscar!!!!!

6 years ago

Reply from Oscar

Hi Patty, thank you for leaving such a kind review! We have announced that we will be entering the Medicare Advantage market in 2020, but stay tuned for further details and timeline.

Oct. 24th, 2018

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Holt Franklin, TN

Good insurance. Would be better if more providers were available. A great physical therapy office no longer takes Oscar because they state that the paperwork and phone calls take up too much time (difficult to work with) compared to other insurances.

6 years ago

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Teresa McGee La Vergne, TN

I've been nothing but pleased with Oscar. Everyone has been super nice and friendly. The website is easy to use. Looking for care is great. All of my doctors are in network. I hope to stay with you.

6 years ago

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Connie L. Cleveland, OH

So far Oscar Health is a great coverage program and very convenient access to the network I am familiar with. I was looking for a program that would allow me to stay with CCF and Oscar Health was it! I look forward to exploring more of what Oscar Health has to offer in the future.

6 years ago

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Diane Jones

I've had Oscar for a couple of years now a think it is fantastic. The App and concierge is very helpful. My favorite function of the App is that it keeps track of my steps and then pays me with an Amazon gift cars.

6 years ago

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John O San Antonio, TX

Very happy with Oscar. Everyone I have encountered has been knowledgeable and professional. Quick and accurate responses. I’ve called for both medical and insurance issues. Both were handled extremely well!

6 years ago

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Susan Podas

Oscar has been the best healthcare provider I've ever had. The staff at Oscar are very professional and go beyond the call-of-duty responding quickly to questions. It's the best customer service I've ever experienced.

6 years ago

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Jill Kline Anaheim, CA

Love your app. Though I haven’t used your online doctor it’s nice to know I can do that. Love the magnets you sent me so I know where to go that’s covered without looking it up. Love that I can get paid for walking

6 years ago