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Oscar

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7.2

Overall Score

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LAST UPDATED: December 7th, 2022

Key Details

  • Ability to Connect with a Doctor 24/7
  • No Referrals
  • Access to Dedicated Nurse and Care Guides

Summary

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

3.1

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722 Reviews

Review Breakdown

5 grade

37%

4 grade

14%

3 grade

7%

2 grade

5%

1 grade

37%

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Alexander Gorokhovsky Longview, TX

Oscar Insurance is a scam. No PCP or Specialists are available in my area (I live in North Texas). They don't pay providers according to the plan. We have two first non-preventive specialist visit fees of $50. On multiple occasions, we had to pay $125 fees (normally for visits after the second visit). Examples are visits to a Dermatologist and a Cardiologist. We could not find any PCP in a radius of 100 miles who accepts the plan, so no yearly exams, tests, etc. I developed a condition but because no PCP around I'll have to wait until next year to check it. My son fractured his nose and an urgent care doctor concluded that he can't return to school without seeing an ENT doctor. Our area has no contracted ENTs by Oscars so we end up paying $250 cash for a consult. Don't wait for reimbursement! Customer support is awful. Online, you have to wait for 7-10 days for a reply. Those replies are useless. They would send you a list of doctors but that list is just as fake as this company is. Phone support didn't even know who ENT or otolaryngologists are. New words for them. Again, Oscar Insurance is a scam.

19 hours ago

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David Haas Orlando, FL

Oscar is your one-stop-shop for everything that can possibly be frustrating about an insurance company: 1. Impossible to look up what providers are in/out of network? Check. 2. Customer service reps who can't speak intelligible English? Check. 3. Claims department that deliberately and for no reason keeps large claims in the "processing" queue so your out of pocket never gets applied to your deductible? Check. 4. Changing policy benefits mid-year? Check (Virtual visits were advertised as being free. They now cost $38.) 5. Automatically sign you up for auto-renewal of your policy without checking with you? Check. 5a. Website portal with no access to change Auto-renewal status? Check 6. Incompetent online chat help? Check 7. Inaccurate confirmation of in-network status, then charging you out of pocket because it's not actually in-network? Check. Do NOT UNDER ANY CIRCUMSTANCES sign up for Oscar health insurance!

1 day ago

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Victoria Krassa

I wish I could give zero stars. H Oscar is the worst of the worst, they charge extortionate monthly fees but never pay for any medical care of any kind, they lie outright to you about what they will cover, they send you to sub par doctors for sub par care in dangerous neighborhoods. They are rude and unhelpful when you try to ask questions. I feel traumatized be the entire ordeal. Getting off of this insurance plan at my earliest opportunity.

2 weeks ago

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Reply from Oscar

Hi Victoria, 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.

Nov. 18th, 2022

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Irina Sidorova Denver, CO

Please do not get OSCAR HEALTH under any circumstances. They are frauds, out of the whole state of Colorado they gave me a list of 5 OBGYN that I can go. 5, Carl! I have called all of them and waiting period is 2 to 6 months. Oh I forgot to mention that all of them more than 20 miles away from me. Oh well, I didn’t know what I was signing for and it was two months left till I can change my insurance. I called all 5 places AND NONE OF THEM WORKS WITH OSCAR! So they are liars! I got back to them and they told me oh provide TIN and I did! And they happily said - yes, we do work with that place. I also called that placed and they have confirmed that they work with Oscar. (Please keep in mind it all took me about 2 weeks to figure out because of how their stuff is simply army of bots and instead of answering question they just copy paste same answers). So I went to the doctor, did my procedure and month later I have looked and claims just to figure out their were all denied! ALL OF THEM! So I warn you - not only they don’t have doctors they work with, they also liars and frauds.

1 month ago

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Reply from Oscar

Hi Irina, 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.

Nov. 7th, 2022

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JD Kansas City, MO

I have had my multi-state insurance license for years and have never had a more unprofessional experience than Oscar insurance. Out of country customer service hung up on me four times. They refuse to let me speak with their manager. During the cancellation process they try to sell you everything from timeshares to bargains that they found on the internet. I've honestly never seen anything like it. After asking to verify our credit card in order to cancel, they fraudulently signed us up for additional coverage that we did not order and had to cancel it. When the fraudulent program arrived in the mail it was the wrong spelling of my wife's name and the wrong email and contact info. Absolutely the worst company I've ever dealt with in the last year. I can't even imagine what kind of nightmare would await us if we actually made any kind of claims. I will be complaining to the state insurance commissioner's office. We were on the phone for an hour and a half October 18th and again on the phone today, the 26th. We were again refused the opportunity to speak with a manager.

1 month ago

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Reply from Oscar

Hi JD, 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. 27th, 2022

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Pete Columbus, OH

There are so many issues with Oscar it would be too many to mention here. I will just mention on ONE subject to which this applies to SEVERAL patients. I will say that when an insurance company denies paying on claims because they do not receive medical records in a "timely manner", you have to call to find out the time frame for what "timely manner" means to them. How vague is that? How about making things like that clear and easily accessible on your website? How about on your EOB's instead of saying "records not received in "timely manner", it actually says not received within 30 days, or 60 days or whatever the time frame is? Then when you do prove that records are submitted within their time frame, they still deny and change the claim number each time you contact them, and many times the reps can't see the previous claim numbers and their website does not either. This causes a lot of confusion with the reps & providers. Now going back to Oscar wanting medical records & wanting them in a "timely manner", how about sending the request for records within a good time frame to respond? Sometimes we receive a letter for records, but it is already past the "timely manner" set by Oscar to send them. Other times we don't even receive a letter at all. Another point that delays everything is how about getting the correct provider address updated with Oscar? How many times do we have to send a W-9? Is once or twice too much? 10 times? 20 times? How many times does it take? I think every claim for the last 1 1/2 years has been denied saying our providers is out of network. We have to work with that, then the medical records issue comes in. You what it is called when a person or company deliberately not pays for services? That called a criminal act. If I went to a doctor and had services done and refused to pay, that is stealing. Oscar needs to work on a lot of things, this is one of many that appears that they have no intention of fixing. Zero stars is not an option, but it should be.

1 month ago

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Reply from Oscar

Hi Pete, 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. 27th, 2022

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Stephanie Frias Nashville, TN

I have to use Obamacare for health insurance since my employer does not offer healthcare insurance. I was previously using Molina but switched to Oscar because they have a good app and their website is user friendly. Molina does not have a friendly user website but I never had any sort of issues of them paying my claims. I recently had a very dissatisfying experience with Oscar. I recently went for my annual pap smear/physical with an IN network Dr. (I checked multiple times). Because the Dr. used a facility to send the results to be examined was OUT of network, Oscar denied the claim. I was under the impression that as long as we were seen by an in network provider/Dr. we would be okay but turns out now we have to verify that the facility the Dr. uses is IN network or else we have to be responsible for the bill. How am I supposed to know which facility my in network Dr. uses? It's silly that we even have to ask prior to completing a procedure which facility our Dr. uses just so our insurance can pay for it. I mean what's next? Our nurse wasn't in network so now Oscar won't pay? Honestly, yes the APP and the website IS user friendly but at what cost? I would rather have a malfunctioning website but my claims covered. Also, when I try to book a primary care visit on the app, the Doctors and RN never have availability and that's been that way for over a month so I'm not sure the virtual care system even works. I will not be renewing my insurance with Oscar. I will go back to Molina or another provider as I have never had any issues before until I signed up with Oscar.

1 month ago

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Reply from Oscar

Hi Stephanie, 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. 25th, 2022

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Jake Kantor San Antonio, TX

Something went wrong with Oscar. From great to terrible in just a few years. Used to be you'd call and get smart, knowledgable people on the line. Now you call and get incompetent reps in a call center in the Philippines that have no idea how anything works, can't speak english very well and don't take their duty of care very seriously. Also, their find-a-doctor website portal is horribly out of date, and presents data that's just plain wrong. This makes finding a doctor arduous and stressful. This wasn't the case when I signed up five years ago. They really were a different kind of company. I felt protected and empowered with them. Now they've fallen to the bottom. It's possible all insurance companies behave this way... I have no way of knowing. All I can say is that Oscar has turned into a chaotic mess.

1 month ago

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Reply from Oscar

Hi Jake, 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. 19th, 2022

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Beth Moothart Ormond Beach, FL

Do NOT go with Oscar Insurance! Billing is horrible and "customer service" even worse!! Routine bloodwork that I had done in February 2022 Still NOT paid October 2022 - and it is basic that should be covered. Quest has sent me to collections and ruining my credit. I refuse to pay for what should be covered - and not have my credit destroyed. Then they deny authorization for a Hysterectomy that 2 physicians said was medically necessary. Oscar does not have active physicians who know anything about a patients history - nor do they want to know. Flat out denial with "should have tried other alternatives" - No alternatives even given. Will be taking this to the state insurance commissioner's office - completely unacceptable. To top it off when I called to file an appeal was told that "there was no record of me or my physician even requesting approval for the surgery". Complete BS and would not transfer me to a supervisor. Stay AWAY from Oscar - they should not be in business any longer!!

1 month ago

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Reply from Oscar

Hi Beth, 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. 18th, 2022

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Bonnie Visnius Round Rock, TX

Their billing department is extremely bad in keeping accurate records hence why the invoices are never accurate and never get paid. Sometimes they tell you that something is covered prior to your visit, then change their mind leaving you with a huge bill. Other times, they refuse to update their records so they can tell you that you "have not met the deductible" which still leaves you paying a large bill. I am told that I met my deductible of $4,500 already but they refuse to look into my account as to why I am getting a $500 bill from the hospital. You are lucky if you even get someone who understands enough english to understand your issue as well. Sometimes I can literally hear a rooster crowing in the background of my calls to representatives. Take your shot with another company and do NOT use OSCAR.

1 month ago

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Reply from Oscar

Hi Bonnie, 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. 17th, 2022

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Yash B patel Fairburn, GA

Oscar is one of the worst insurance comp out there. I strogly recamend not to buy coverage from Oscar because their customer care have no basic knowledge of what is call "CUSTOMER CARE". This is the only compeney in the market will denied payment to provider after given prior authorizathin, wait the best part is thier copay changes after you paid your copay at the time of the service , they are very fast to collect monthly premium if you really love your self and your family DO NOT BUY OSCAR insurance even if you have to pay few dollars more for better insurance comps outh there funny when you provide the review they ask you queation down below " DID YOU RECIVE A SPECITINVITAION FROM OSCAR TO LEAVE THIS REVIEW?

1 month ago

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Reply from Oscar

Hi Yash, 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. 13th, 2022

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Nicholas Yepes

I am horribly upset with the service I got from Oscar. I signed up in August for coverage starting in September. After paying my first couple months of premiums, I got a welcome kit in the mail and thought everything was good. A few weeks later, in October, I received a notification from my bank that my premiums were refunded. I tried to log into my Oscar account and got a message that I was no longer a member. They gave me no explanation. I then spent two hours on the phone and on online chats with customer service. The customer service reps did not seem like they cared much about helping. I am particularly upset because this situation left me without coverage unexpectedly after I paid my premiums and provided documentation to them. They wasted my time and then put me in an uncomfortable situation. Avoid Oscar.

2 months ago

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Reply from Oscar

Hi Nicholas, 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. 6th, 2022

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Ken Newberry, FL

I was told ALL my medications were covered by Oscar just to find out i needed prior authorization for almost all of them just for Oscar to say no to the prior authorization for medications I have been taking for years. I was also told I would not have to switch pharmacies and that was also a lie, Oscar only works with one pharmacy CVS which i didn't use and CVS won't fill one of my medications. Went to get my COVID19 booster from Walgreens because CVS didn't have it and also wanted my flu shot Oscar paid for the COVID shot but would not pay for the flu shot because it was Walgreens so now I have to make a appointment at CVS to get my flu shot. Also the doctors Oscar shows on their list of approved doctors when you call the doctors they say they don't accept Oscar and not only that the closest doctors to me are several hours away. Can't even go to my local hospital UF because Oscar doesn't work with them. Also had to stop going to my heart doctor because he is at UF health. I definitely will be switching away from Oscar in fact the company I have to go through to get health insurance is already working with me on getting away from Oscar and getting a new health insurance company was on the phone with them yesterday.

2 months ago

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Reply from Oscar

Hi Ken, 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. 3rd, 2022

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David Rivera Trenton, FL

This company is making it very difficult for me to get my diabetes meditation that I have been taking for a while now. My doctor sent it an alternative and now they want a prior authorization. I have been dealing with this for over a month now. STAY AWAY. I should have stayed with my previous provider.

1 month ago

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Reply from Oscar

Hi David, 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. 13th, 2022

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adam katz Scottsdale, AZ

I honestly do not think they have covered anything since I’ve had them. The premiums were a little less expensive, but there’s not a doctor or dentist that I go to for which they will provide coverage. Coverage on my 2 medications is not available and one of them is for a congenital disease. I cannot find a doctor that they provide coverage for. I’ll be switching come open enrollment.

2 months ago

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Reply from Oscar

Hi Adam, 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. 13th, 2022

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Cathy Dore Los Angeles, CA

I would give no stars. I was diagnosed with breast cancer 7/28. Referred to a doctor. 8/3 they approved and confirmed coverage for doctor and hospital. Had the consultation and Scheduled surgery 8/10. On 8/11 was called and told it was mistake they should not have approved coverage. Have been in a health insurance nightmare with them since. Calling, on hold, attempting to communicate via their portal. They have been incompetent and negligent. I still have no doctor, no hospital and no surgery. They don’t return calls. They don’t help. I have paid $650-750 monthly for years and now they have made a mess and induced high stress. What is supposed to be a lumpectomy may be. Mastectomy by the time they approve a doctor for me to see. And it was their mistake to begin with! It is outrageous. I’m now seeking legal counsel on what to do.

3 months ago

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Reply from Oscar

Hi Cathy, 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.

Aug. 17th, 2022

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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 month 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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Ivan gomez Homestead, FL

Complete garbage. I called to have my insulin refilled before it was due because I lost my pen during the process of moving and I spoke to a person in the Phillipines with a rooster yelling in the background. She couldn’t transfer me to a supervisor. A complete joke of a company. STAY AWAY!

2 months ago

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Reply from Oscar

Hi Ivan, can you please confirm your name and Oscar ID number so that we may route this internally for assistance?

Oct. 3rd, 2022

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Colby S Brooklyn, NY

Oscar is already overcharging me for insurance, it's outrageous that they might raise my premium further. They have failed me in several ways. - I cannot get regular STD swabs done which are a standard part of care for people taking PrEP. I cannot do this because they no longer have a physical location, which prevents them from collecting or disbursing swabs. Additionally, when I went to see their partner (Quest Diagnostics), I was told that the swabs I did have were not covered. - I then had to seek care outside of Quest, so I went to an urgent care for help getting swabbed, I was charged $75. I should not have to seek out-of-network care because my provider is not doing its job! - I was prescribed ADD medication by my in-network psychiatrist, yet Oscar cannot cover my ADD medication because they're fully remote and they can't cover controlled substances. - The website is difficult to navigate and in order to send my PCP a message, I need to request an appointment. This leads to a delay in care. Whether it's me seeking help with mental health, dealing with a rough COVID infection, or a cold, I often have to wait a few extra days to get a response. This leads to me simply forgoing care. For example, when I had covid a month ago I just took care of myself at home. Oscar is already overpriced, its online services are slow and difficult to use, and its lack of a physical presence hinders its ability to provide proper care. The idea that they might be trying to raise my premium 20.32% is ridiculous. If anything, they should be lowering it.

4 months ago

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Reply from Oscar

Hi Colby, 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.

Aug. 10th, 2022

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Tom Winter Park, FL

Oscar is the absolute worse health insurance coverage I have ever had. The deductibles and out-of-pocket are high. God help you if you ever have to use the policy -- it only covers 40% of surgery-related costs AFTER meeting $7,000 out-of-pocket costs. This is to say that I pay $18,000 in premiums, yet my wife's knee surgery will cost my family a minimum $8000 out of our pocket, and we have already spent $7000 out-of-pocket. So, that's $33,000 in medical costs this year. Some plan. Why do I even have health insurance? Never again will I use Oscar. Oscar seems like a scam. Sure, the premiums are lower, but the coverages make it exceedingly more expensive if you ever need it. And this is to say nothing of the sparse network of care. God help you if you have a problem out-of-network (unless you are a couch potato), you are very likely to have an issue out-of-network. I had an emergency skiing incident in Utah for which I had to be assisted off the mountain by ski patrol to the base clinic. Oscar would not cover it, and claimed it was not an emergency, so I had to pay in full out-of-pocket. So far, it has taken me 5 months to get them to agree that it was an emergency. Still, they insist on reimbursing the clinic, that I paid in full, rather than me, their customer. So, in summary, any savings in premiums quickly go up in smoke if you ever have to actually use the $18,000 plan coverage. As far as their customer service, I do not understand why they get high reviews for customer service -- customer service seems only designed to find a way to tell you "no" quickly. Stay away from Oscar.

4 months ago

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Reply from Oscar

Hi Tom, 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.

Aug. 10th, 2022

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Ketchfraze Westerville, OH

The only thing Oscar has to do with insurance is that it has the word 'insurance' in the name. Before we got married, my wife paid $80 per month to have insurance that didn't even cover basic doctor visits. She had one visit with a family doctor and was charged $300 because they only covered 'non-diagnostic' visits. This means that if the doctor asks you "Do you have any problems at all?" and you answer yes to anything, be it aches and pains, a cold/flu, or literally any other symptom, this will then not be covered. This is totally pointless and a scam. For comparison, the insurance I get through my job is $100 per month and I pay only a $25 co-pay, regardless of the type of visit. Please consider other options and do not buy into this company's lies.

4 months ago

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Reply from Oscar

Ketchfraze, 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.

Jul. 26th, 2022

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Aryan Mashayekhi Malibu, CA

Absolutely horrible service. They will take your premium but fight to provide you care. I am a healthy male in his mid 30s and have been with them for 7 years and never had a claim. I got injured and tore my labrum. My orthopedic surgeon requested an MRI so we could figure out which tendon had torn. After 2 weeks (a ridiculous amount of time when injured) of runaround trying to get a preauthorization for an MRI, Oscar decided to decline it and recommend I get physical therapy and cortisone shots. So diagnostic testing on the recommendation of a specialist was just a bridge too far for them. Their bean counter in New York had the better solution having not examined me. I paid cash for this MRI because I am in pain and was desperate, and low and behold I had ripped half of my labrum off my shoulder socket and require surgery. Oscar won't reimburse me, and still is giving me the run around. I cancelled my policy to get added onto my wife's insurance so I can actually get the care I need. They can't even do that properly, I am now getting a run around trying to get my termination letter so I can get put on my wife's insurance and get the freaking surgery I NEED! If this is how they treat someone who is healthy with no medical claims history, I can't imagine how they will treat someone who actually has health concerns. You deserve to go out of business.

4 months ago

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Reply from Oscar

Aryan, 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.

Jul. 26th, 2022

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Mathew Watt Los Angeles, CA

I’ve had Oscar health insurance for about 5 years now. It used to be a great company with excellent customer service. Those days are now over. The cost of the insurance has risen dramatically, like most insurance, and the coverage has been significantly reduced. The service used to be great. I’m not sure what happened but poor would be an upgrade. I have Oscar insurance now but I’m going to cancel the policy this month. The penalty for not having health insurance is probably less than what I’m paying Oscar. I don’t get anything with the premium payments in the way of coverage. DO NOT USE THIS COMPANY! I’d be more than happy to explain the negatives in more detail. But that probably won’t be with a supervisor from Oscar, they are too busy to care about their customers.

4 months ago

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Reply from Oscar

Matthew, 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.

Jul. 13th, 2022

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Terry L. Duve

Oscar Health Care is worse then BCBS, First my doctor wants me on a specific medication, and they denied it over and over. They have the balls to submit an off brand to my pharmacy and still charge 1/2 the cost to me. I have to use more of the product to get close to where I was when I was on the drug my doctor requested. Now I had bicep surgery in April and did my first 4 weeks of PT, on my first follow up, my doctor set up the last 8 weeks of PT. Now I am 2 weeks without completing any of that and only have a 3rd of the use of my arm. I can’t do a whole lot with that. I call every 2 days and I am being told it will take a mother 2 days.???? The PT will cost me 300 a week out of pocket I will have to pay it to get 100% use of my arm. I am shopping my company’s health care this week. And contacting NY Insurance Commissioner to file a formal complaint. On behalf of my company and employees.

5 months ago

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Reply from Oscar

Terry, 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.

Jun. 27th, 2022

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Dara Wilson Chicago, IL

Do not use this scam of an insurance company. I have been lied to over and over and now have over 15k in medical bills that I blame on them. I am a medical provider and did my job of contacting this insurance prior to medical appointments, verbally got told they covered certain procedures, used their online system and saw my doctor was in network and then I ended up with multiple bills. I have contacted them so many times and they just keep submitting appeals and then come back months later to say oh sorry but it is denied still. They outright lie! I hope they get shut down by the BBB. It is horrific how they lie to you and cause you to go into debt and think nothing of it.

5 months ago

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Reply from Oscar

Dara, 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.

Jun. 21st, 2022

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Michael VanderMeer Clermont, FL

My family recently moved to Florida and we decided to try out the Oscar Insurance Company Of Florida. I was attracted to their claims of simplified policies and minimalist approach to cut down costs to make health insurance easier and more efficient. I made a huge mistake. I've dealt with a number of different health insurance companies in Wisconsin and Texas and I've never experienced the level of gross incompetence and neglect shown by Oscar, its policies, and its staff. I doubt that I can actually blame the staff themselves for their incompetence as it is likely the companies fault by providing the minimal amount of training to get them to answer phones and man other aspects of the company. Consequently, they are not equipped to handle any problem brought up by a customer outside of taking our payment information, resulting in delayed or denied care or treatments and a lengthy and complicated appeals program. We have been members for two and a half months at this point, and it has taken this entire time to get a simple continuation of care for medical devices that my wife has been using for years, resulting in her running out of the supplies weeks ago and running the daily risk of having to be hospitalized. It took one month to have them deny a simple request, given by a family medicine doctor instead of an endocrinologist. Then it took another three weeks to get the appeal approved (which we got today) and now we are forced to use a company that is going to take another two weeks to get her the medical equipment we desperately need. And that was just one example of many. I received a common script for a generic medicine that cost $7.50 at a local pharmacy, but came to find out that I cannot pick up the medication until Oscar gives their approval that I can have it. This is happening time and time again. We are regularly being required to get approvals for just about every new or existing medication, which results in significant delays in treatment. Naturally, any attempt that I make to get ahold of a supervisor or manager is stonewalled with silence. The incompetence would not be believable had I not personally experienced it first hand. I cannot wait until Dec 31st, when I can drop this company that has made the last two and a half months a misery filled with medical mishaps, missing/delayed treatments, and refusals to provide common meditations and equipment. Please, unless you have absolutely no need of anything from an insurance company, DO NOT join Oscar. If you have questions, please feel free to ask. I am so concerned about their practices that I'll gladly spend my free time to ensure that everyone who is thinking about joining "Oscar's family" knows what they will be getting into.

5 months ago

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Reply from Oscar

Michael, 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.

Jun. 21st, 2022

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Cassandra Workman Gilbert, AZ

Absolutely the worst insurance plan I have ever had, their coverage is confusing and their service is not up to par with the prices they charge. I am still trying to understand 2 claims that I have from over a year ago, and each time I call I get a different answer and no resolution. Still have no idea what I owe, keep being told that I am not liable for the bill while it’s being processed but then get tons of letters in the mail threatening that the bill will be going to collections. On top of that, going to a “mental health visit” cost me $200, even though it was a 5 min visitation with my doctor regarding new medications I was put on. I was unaware of this extra cost, I thought my copay was all I needed but Oscar is sneaky and their wording for things is so hard to understand for normal people. I terminated my plan today, and having no insurance is feeling much better than having Oscar. Avoid this company!

5 months ago

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Reply from Oscar

Cassandra, 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.

Jun. 15th, 2022

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M Judd Englewood, CO

Prescriptions are totally broken. If you have been on a drug for 10 years, they will argue with you every month about sending you more. They will need to talk to you on the phone, they will need bloodwork, they never have the info they need to approve it. It is never a "send a refill" and done.

3 months ago

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Reply from Oscar

Hi, 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. 13th, 2022

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susan nezami Glendale, CA

The main problem with this company is the roster of doctors and facilities in its network, the majority of whom and which are pretty terrible. While administratively Oscar is responsive, unfortunately that can't make up for having to make a choice between mediocre to bad doctors or facilities that illegally try to overcharge with Oscar's inability of do anything about it. My suggestion is to either opt for a PPO or go straight to an HMO like Kaiser. They seem to remain the best. I have been with Oscar this year but I will be switching over to Kaiser next year to avoid any more headaches.

4 months ago

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Reply from Oscar

Hi Susan, 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.

Aug. 10th, 2022

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Ted Allen San Antonio, TX

Horrible coverage, and the “concierge team” is a total scam. Expect to be hung up on, spend hours on hold waiting for simple answers that you’ll eventually find yourself. Don’t be surprised when your deductible is $8,000 and they continuously edit out of pocket expenses. Your only doctor will be 100 miles away (I live in a major city). This company is owned by the Ks and it’s definitely a grift. If you enjoy burning money and wasting time on hold, this plan is for you!

4 months ago

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Reply from Oscar

Hi Ted, 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.

Aug. 10th, 2022

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Scott French Orlando, FL

I actually thought I was getting a hood healthcare plan but all I got was a place collecting my money and denying benefits for my children getting healthcare check ups and shots which are required by schools. The Healthcare Facility ST Vincent’s Ambulatory Care was a approved facility, but the Doctor they saw wasn’t an approved Dr. Question is when you go to a facility like this you don’t know which Doctor you will get u til they come in to treat you. I will be canceling my insurance with them and filing a complaint with the State Insurance Commission.

4 months ago

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Reply from Oscar

Hi Scott, 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.

Aug. 10th, 2022

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Zachary Lee Columbus, OH

I would not recommend this company at all. After six months of being with them never received welcome packet. I had auto pay set up and made sure it was set up over the phone with a representative and was told it was set up. After three months get a notice that I'm going to be terminated due to not paying bill. Had to pay up to three months worth of bills to stay with them after my auto pay was turned off due to them double charging me a month.

4 months ago

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Reply from Oscar

Zachary, 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.

Jul. 15th, 2022

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Pedro Delgado Miami, FL

Just today I try to get a virtual doctor the costumer care couldn't do it he blame slow system, I requested and urgent care not an emergency room, I was given Steward Palmetto Whish it is an emergency room and an urgent care that do not accept Oscar for month now I called again not virtual Doctor either and 1 of the urgent care was still the one do not accept oscar

5 months ago

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Reply from Oscar

Pedro, 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.

Jun. 27th, 2022

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Sterling M Austin, TX

Worst customer service. I am always on the phone asking the simplest question and it takes an hour for a 5 minute question/answer. The assistants are absolutely poorly trained. I spend my lunch hour calling and go without eating due to such poor assistance. They repeat themselves saying things that have nothing to do with the conversation or question asked. They do not know how to look up information regarding pricing of certain claims like hormone blood test. They even admitted they don't know who to spell the words. It's as if they are hired specifically just to drive you insane, and that it. If that's the case, I want to present them with an award. :((( P.S. it's also fun paying more than cash prices when you process through Oscar. What's the point of insurance??

6 months ago

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Reply from Oscar

Sterling, 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.

Jun. 7th, 2022

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Alycia Shapiro Woodland Hills, CA

My experience with Oscar has been terrible. They deny everything the first time and make you wait for approvals for medications, treatments, and testing despite obvious need for the care. In some cases, medications were denied that we had been on for years prior to the new insurance plan - even medications they had approved the previous year after a renewal leaving gaps in care that were detrimental to our health and wellbeing. Despite ample evidence of the medical neccessity they have denied a service again despite having debilitating pain that could easily be remedied by injections they want me to be on at least 3 different pharmaceuticals for 60 days each before they will cover it. I have tried several samples of medicine all of which make me very ill or my blood pressure dangerously drop. I have never been so unhappy with any insurance company and that is saying a lot. I feel completely helpless. We pay almost $2900 a month for a family of 5 That is alomst $35,000 a year and cannot get care when I need it. They are terrible.

6 months ago

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Reply from Oscar

Alycia, 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.

May. 19th, 2022

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CLC Marietta, GA

Ask the same question - get 20 different answers. As a new family to the Oscar plan, we've been beyond frustrated, confused, and frankly concerned that these people are in charge of our healthcare. The website has frequent errors despite the fact the founders claim to be from the tech industry. Virtual doctors are rarely available quickly - which is kind of the reason why you'd use a virtual doctor. Flashy graphics and buzz words to invoke high-end service fall flat when the customer is left without what they need most - reliable answers about their health insurance plan. And based on feedback we get when we hand our ID cards to doctor office staff, they're not ecstatic about this plan, either. I've got a ton of ideas on how to improve this health insurance company but have yet to find anyone at this company who cares enough to hear them.

8 months ago

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Reply from Oscar

CLC, 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. 6th, 2022

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M MCFly Forest City, NC

I live in NC and have had Oscar for 4 months. When I signed up both my PCP and thyroid dr were listed as in network. As soon as I went to make an appt with my thyroid Dr they were suddenly no longer listed as in network. My husband went to our PCP and shortly after we get an EOB from Oscar saying that Dr is also out of network. So far not one of our prescriptions has been covered, get better prices from Good rx. Trying to contact customer service is a nightmare and they don't help once you get through. They just say not covered and that's it. Using their 'chat' service is a joke. It takes days to get an answer. This is the worst insurance I've ever had. Waste of money. Will be canceling today. I need the money I waste on the premiums to pay for everything they don't cover

8 months ago

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Reply from Oscar

M MCFly, 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. 4th, 2022

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Guarionex Berrido Santo Domingo Este, 32

I have had a terrible experience with Oscar in these 3 months since January 2022. I had my health stable for years until I switched to Oscar believing was going to be a good option. Starting this year all my medications were not covered. They forced me to switch from Walgreens to CVS and, after many calls and messages, only two out of 5 of my diabetes and cholesterol medications appeared approved with low copay, when before I haven't had to pay. And those approved were the more basic ones. For the others, the pharmacy said my copay is $617 each month. Result: I couldn't face that and now I have my sugar out of control. This for sure will cause me soon a high A1C but they don't care. I have written a lot of times and my doctor tried many ways filling out justification forms about my medication and the drugs that were fully coverage for others insurances for years, Oscar covers a part of the cost only, leaving me more than $600 on my side. And my medications are common, not those of high price. So I am running out of a cholesterol drug and 2 diabetes medication and the sugar levels out of control. Really I am frustrated with this insurance. I don't want even think how will be the insurance response if I have to get in to the hospital. In cases like this, because I'm sure I'm not alone, the Market Place should allow an inmediate plan change to avoid a health problem because of the poor insurance coverage. I hope to have a solution soon before my health condition can get deteriorated caused by this insurance's poor response.

8 months ago

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Reply from Oscar

Guarionex, 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. 1st, 2022

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lindap Kansas City, MO

This is my third month using Oscar and I have had an awful experience all around. I chose the Bronze-Elite plan because the prescription deductible agreement sounded like something that could help me out, as someone who uses multiple daily prescriptions for asthma and high cholesterol. Nothing crazy, very basic. The language in their plan is extremely misleading. They say it is a low-cost plan to pay out for prescriptions but i've only encountered my prescriptions increasing in price and resorting to using GoodRX coupons to be able to afford some medications. Or switching to a different brand of medication. They have denied more claims for me than approved, and did not cover prior prescriptions or have inflated the cost. Speaking to their customer service line is also a nightmare, as it seems that their workers either just hang up your call or have no idea what youre talking about. I have been told that I cannot file an appeal on a claim on my behalf and that my provider needs to initiate an appeal which is not true as stated in paperwork received. I have submitted a grievance for being billed for lab work because it was "Out-Of-Network" even though my PCP is "In-Network" and I have no ability to know where my labs will be sent. I have never had health insurance issues like this UNTIL switching to oscar. It may work for some, but not for me. I am extremely dissatisfied and urge folks to find a different health insurance provider or even go without, because the headache with Oscar is immense.

8 months ago

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Reply from Oscar

Linda, 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.

Mar. 31st, 2022

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Tim C Los Angeles, CA

Stay away from Oscar! Worst customer service ever. I had Oscar Health Insurance through Covered California from 2020-2021. They wrongfully terminated my coverage, and I had to appeal to the California Department of Managed Healthcare to get my coverage reinstated. I have had Kaiser, Blue Shield, Aetna, Sharp, and other insurances in my 62 years of life, and I have never had problems like I have with Oscar. What's funny is they advertise themselves as a better kind of healthcare. It's all marketing. It is a get filthy-rich scheme started by three freshly minted Harvard MBA grads who have no experience in the insurance industry. Be warned.

8 months ago

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Diane Shuss New Philadelphia, OH

I received disability in March 2021 for a terminal condition. I looked at marketplace online and decided to wait because I was going to go through my husband's work. I was an RN for decades with my own plan through the hospital. At tax time say Dec..I get a IRS form saying I had been with this company. Then the letters started coming from Oscar that I had not seen before. I had never paid a cent to them. I never got cards, a welcome pack like they say... Nothing. Ever. Until now. Even knowing I had been covered would have been helpful, now I'm getting bills from them after reporting fraud. This is causing issues with tax filing and many other stressors. I did NOT have this insurance. I did not sign up on line. The lawyer said it's a fraud., But when I call Oscar I'm told they will put it in their system. No they have not. I contacted the OHio Attorney General and am waiting on a reply. I just want this fixed. I did not at any time agree to this insurance. Ever. I'm eligible for Medicare in July. I am dying is that not enough? What in the world is going on. Diane Shuss

8 months ago

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Reply from Oscar

Diane, 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.

Mar. 16th, 2022

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DL Port Saint Lucie, FL

If you do not live within an area that has an Oscar Care Center - the insurance is horrible. If you try to use Virtual Care - you are asked why you do not go see a primary care and you are only allowed to see your primary care 1 time per year Screenings are supposed to be covered - for labs and some procedures - but they are not. Any procedure has to be done in a PCP office - which is not realistic because most primary care offices do not offer labs, ekgs etc ... So the documentation about services is very misleading Prescription coverage is not what it says. There are high copays for many meds and you cannot get the mail to you options if you cannot pick them up at one of the so called Oscar Virtual Centers. Oscar will take your money as a client, but not tell you that you need to live close to their Office. Unless you live in a city that offers their clinics - there is better health insurance. If Services are not available through an Oscar Network and you have to be seen for an emergent need - your claim will be denied For Covid - Oscar did not have service available at their in-network hospital - so I had to seek emergency care at an out of network system - but Oscar denied the claims. I suppose saving them a thousand dollars is more important than my health - I feel Even for catastrophic - you have to meet your 8000 deductible and then it will only pay 50 percent For a plan that cost 800 per month - I would expect more At first it seemed that Oscar had patient care and well being in mind - In my second year with then - I feel this is not so I will be canceling them I am a Nurse that has done case management. I know what is right and wrong, so no I cannot recommend them

8 months ago

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Reply from Oscar

DL, 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.

Mar. 16th, 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

3 months 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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Wendy Keller Forked River, NJ

I was so excited about my new Oscar health insurance plan They seemed progressive, technologically advance and portrayed a culture that was client focused. Portrayed being the optimal word. Good luck trying to actually set up any type of care or real-time talk to someone if there is an issue. I can't wait to get out of there coverage as soon as I am able. My recommendation, look elsewhere unless you want Healthcare but will never use it.

6 months ago

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Reply from Oscar

Wendy, 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.

Jun. 1st, 2022

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Francis Eckert Howell Township, NJ

Absolutely horrible company, i switched from Ambetter to this horrendous company, worst mistake ever. My first ever claim with them was denied, told me my doctor was out of network , WTF,,,,,i found the doctor on there app and he was in network, now i have to wait 30 days for them to review it, this company is a joke i will be switching from them ASAP, also there list of doctors in network is small, doesn't matter anyways they will just deny you, so i don't think they actually have any doctors in network,

6 months ago

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Reply from Oscar

Hi Francis, 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.

May. 25th, 2022

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Tina Hayden Tulsa, OK

Worst insurance I’ve ever dealt with. They said they paid for the two meds I take for diabetes and as soon as I changed insurance and can’t change for a year they said I had to do step therapy on my meds I’ve been in for 4 years and my doctor has written letters. For 6 months they are only paying for 4 dollar drugs from Walmart. I’ve missed 90 days of work, had seizures and fainted several times and they still refuse to pay for anything other than 4 dollar drugs. They now want me to wear a internet monitor to monitor my every move so they can decide what meds I need.

6 months ago

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Reply from Oscar

Tina, 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.

May. 19th, 2022

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M N Miami, FL

IN MY OPINION, IS A BIG PILE OF FECES. I AM SO FRUSTRATED. THEY DONT WANT TO HELP. CUST SERVICE HORRIBLE, THEY BOUNCE YOU AROUND, AND WANT TO BRUSH YOU OFF. CUST SVC ASK ME FOR A BILLING CODE ? I DONT WORK FOR OSCAR INSU OR THE MEDICAL OFFICE, I AM THE PATIENT, I JUST WANT TO TAKE CARE OF MY HEALTH, NOT WORRY ABOUT BLIING CODE, WHY CAN THE SYSTEM BE SIMPLE...

6 months ago

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Reply from Oscar

M N, 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.

May. 19th, 2022

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Danielle M New York, NY

This company is terrible. When I checked to see if my doctors took them, their website said they did. But when I went to use my insurance, half my doctors don't actually take this insurance. What's worse is apparently my pharmacy doesn't even take Oscar insurance because they apparently now have a contract with CVS as their preferred pharmacy, so other pharmacies can't take them. I've never heard of such bs. If I could switch now I would. I am actually considering cancelling for the remainder of the year because I don't know what I'm paying for at this point.

6 months ago

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Reply from Oscar

Danielle, 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.

May. 11th, 2022

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Lisa Sette Phoenix, AZ

In my 64 years I have never not been covered for a routine mammogram with any of my insurance policies over the decades. Do they not understand the value of preventative care for women? I had to pay out of pocket, and was told Oscar was not accepted for mammograms in Arizona at the facility I have used in the past. Continuity for this screening is important, too. Oscar seems not to be concerned with that, either. This is my first ever review. I would rate zero stars if it were an option.

7 months ago

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Reply from Oscar

Lisa, 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.

May. 4th, 2022

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Jérémy Rea

Cheaper than the other insurance but very few Dr in network and almost no chiropractor. A doctor even told me that he was trying to get approved for 6 month and still nothing from Oscar. Be very careful with surprise bill as well, if you go to the hospital and you see a Dr in network, he should works with other Dr or nurse not in Oscar network (and they are a lot). So they will send you a full price bill.

7 months ago

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Reply from Oscar

Jérémy, 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. 18th, 2022