Name: Oscar
Rating: 3.3

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Anne Springfield, NJ

I have Oscar this year because it was the least expensive health insurance on Marketplace. I have paid thousands in premiums and they have not covered anything. Now, they are claiming that my Appendectomy was not medically necessary and they are refusing to pay my hospital bill. The only reason I have health insurance is to cover medical emergencies. I have been severely ripped off by this company and plan to tell everyone that I know.

4 years ago

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B Los Angeles, CA

I was not a customer. I was a victim of a scam. after paying $1,000s in premiums I went in for an annual physical. The doctor coded it as an office visit and tried charging me $200 (it should have been 100% covered). Oscar colluded with the doctor and refused to work with me to correct the billing error. They claimed the doctor's office was correct without justification and ignored the evidence I provided showing I only received preventative care. This is not a healthcare company, it is organized crime. Do not give this illegitimate organization your money.

5 years ago

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LK Brooklyn, NY

I am so pleased with ocar insurance. The office is accessible, the online portal and dr's on call are responsive and eager to help.

5 years ago

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Olga Legostayeva Burbank, CA

It was easy to pick the doctor through Oscar app and schedule the appointment. Verdugo Hospital Orthopedic team is great!

5 years ago

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Joel Spring Hill, TN

Their network of doctors and hospitals is very limited. There is a good chance you could be driving 30+ miles to visit a doctor. The information on their website is not correct. The list doctors as in network when they actually aren't, and they don't list all the doctors that are in network.

5 years ago

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ezequiel Los Angeles, CA

I love Oscar Insurance is really affordable and it has cover all the doctors visits. I have no complains about this insurance.

5 years ago

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M Chagrin Falls, OH

I purchased Oscar insurance because I wanted insurance for the Cleveland Clinic. It is expensive. There seems to be some confusion about co-pays. Enrollment was trying but I was persistent and got it done.

5 years ago

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Merkin San Antonio, TX

So far, so good. We have used your customer service several times and your in-network doctors. Everything has been fine so far.

5 years ago

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Ellie Jones New York, NY

Being able to message or call a doctor through the app eases my mind as I don’t have to go to a clinic just for a simple question.

5 years ago

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Lindsey Los Angeles, CA

Getting Oscar was easy, fast and perfect for me. As a single woman who goes to the doctors maybe once, twice a year, it made sense.

5 years ago

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T Astoria, NY

When I had trouble getting money back from a doctor’s office, customer service helped me quickly! But I always prefer to go to my native language(Japanese) speaking doctor, but there is no Japanese doctor in the network!

5 years ago

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Don Nichols Irvine, CA

I am pleased with Oscar. The premium is affordable and the selection of doctors is okay. I have used the plan only once, for a flu shot, and it worked out very well.

5 years ago

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mary Brooklyn, NY

Really unhappy with this company. Have a standard, uncomplicated pregnancy and the policies of this company are completely opaque. What they do and do not cover really not clear. Every time I call the concierge line, they give me different, conflicting info. Seems despite paying $700 monthly premiums, I will be paying somewhere between $7500-$15000 to have this baby as they cover exactly $0 for actual delivery. This is completely unacceptable. Wish I'd read the fine print before signing up for this insurance. It's kind of a total scam.

5 years ago

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Anonymous San Antonio, TX

Great sign-up process, customer service, user friendly website and app. However, the app does crash frequently, there are limited plan benefits, and it's expensive compared to Ambetter Health.

5 years ago

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Shawn Ouedraogo Blacklick, OH

Affordable price ,beeing able to talk to the doctor online and high quality service.never been happiest.so from my family thanks to Oscar!

5 years ago

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Alfred Collazo San Antonio, TX

Great plans, great customer service, and the best plan I’ve ever had. You won’t regret selecting Oscar as your health care provider.

5 years ago

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Phil Burne

I had no choice as an individual buying insurance. I Had to choose Oscar if I wanted to use the Cleveland clinic Doctors. The changes for individual insurance have been a crime.

5 years ago

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John Steven Anderson Memphis, TN

I suffered a joint injury and needed a doctor in my area (a major metropolitan area). They could not tell me the name of an orthopedic surgeon in my area. They told me it would take up to 48 hours to find one in their network, and that they would get back to me. It is unbelievable that someone with an injury will have to wait up to 2 days to find the name of an in-network doctor.

5 years ago

Reply from Oscar

Hi John, we truly apologize that your Concierge team was unable to tell you the name of an orthopedic surgeon in your area and we would like to look into this for you. Due to privacy laws this isn't something we can help with via Best Company, so DM us your Oscar ID number and we'll be happy to have a help specialist from our team get in touch with you directly. In the future if you’d like to see if a provider is in network, you can use our online search tool to search for providers by plan, location, and speciality. You’ll find the tool on our website or via this link:

May. 2nd, 2019

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Anne Austin, TX

The same thing happened to me that happened to Jon in the Jan 24th review below!!! Warning do not do business with this company! In Nov and Dec 2018 I never received notification my bill was ready and when I went to pay my bill, Oscar.com said I had a $1700 credit, then I received a notification in the mail that my claims in November would be denied because my coverage was cancelled for nonpayment. In addition, my husband had surgery in July and the hospital reached out to Oscar several times for a settlement and Oscar did not respond. This company is grossly negligent and incompetent.

5 years ago

Reply from Oscar

Hi Anne, we appreciate your feedback and we’re sorry to hear you ran into billing issues. Please reach out to your care team at 855-OSCAR-55 so they can look into your outstanding requests.

Feb. 13th, 2019

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James Nashville, TN

They did an underhanded bait-and-switch with my policy. I signed up for the same plan as last year, but they didn't tell me that the benefits were radically changing. Or if they did tell me it was buried in the very fine print of a 30 page booklet with the smallest text I've ever seen. Now I'm stuck with a plan that will cost me hundreds more every month compared to last year. I complained and they ditched my call by transferring me to the government marketplace. This is awful.

5 years ago

Reply from Oscar

Hi James, we're sorry to hear you're frustrated with your plan. Due to privacy laws this isn't something we can help with via Best Company, but we can speak generally to why you might have been transferred to a government marketplace. When plans are purchased on exchange (aka the government marketplace), you may need to work with them directly to change or resolve issues with your plan. If you did not purchase your plan on the exchange, DM us your Oscar ID number and we'll be happy to have a help specialist look into this further for you.

Jan. 28th, 2019

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Nina Pacific Palisades, CA

Oscar Health is the WORST health insurance that I have ever had. My family and I purchased their Platinum and Gold EPO plans and had horrible customer service, non-existent and unbending Mental Health coverage, NO Dental, NO Vision and no-one but UCLA takes their insurance in CA. I would not recommend them to anyone.

5 years ago

Reply from Oscar

Hi Nina, we're sorry to hear you're frustrated. Oscar has a curated network of providers built around provider systems who, like us, are focused on keeping costs down for our members. We currently do not offer dental or vision for adults as part of our plans, and can work with members to find in-network psychiatrists if they're having trouble finding one on their own. We'd love to further address your concerns, so call us at 855-OSCAR-55 to be connected directly to your Concierge team.

Jan. 10th, 2019

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Andrew Medina, OH

I wish I could give a negative rating. The coverage is horrible and it seems that their primary goal is to take your premiums and find ways to deny service. I looked on their site for approved doctors, went to one on their list, and the service was denied saying it was out of network. My son had to have a CT scan and we got it pre-approved but they denied paying it because the service, within an approved facility, was not approved. What a joke. Never use Oscar.

5 years ago

Reply from Oscar

Hi Andrew, we're sorry to hear this and we'd like to look into this for you. Due to privacy laws we can't address your claims here, but our team would be happy to go over them with you. You can call us directly at 855-OSCAR-55 or by sending a secure message from your account or the app at anytime. If you prefer, message us your Oscar ID number and someone from our team will be in touch to help. We appreciate that you took the time to share your feedback, and look forward to helping you out.

Dec. 18th, 2018

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Ralph P. Jones San Antonio, TX

Like the call a doc option. All my dealings this year have been easy and relatively painless. Just hope I can afford them next year.

5 years ago

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Chris Brunner El Segundo, CA

We have had Oscar for 2 years. Our experience was pretty good, until they raised our plan from $1200 a mo to $1600 and it's going up again. Then, my daughter hurt her shoulder in volleyball and to see an physical therapist ( approved by doctor) has taken us more than a month. They are insane. Stay away and find another provider.

5 years ago

Reply from Oscar

Hi Chris, we’re sorry to hear you’re frustrated. Due to privacy laws, we're unable to discuss the specifics of your daughter's private health information here, but we're happy to address your general concerns. The rising cost of health care is an industry-wide issue. As the cost of doctors, hospitals, and drugs have increased, we have had to increase our premiums slightly. If you have questions about how to find the best care at the best price, reach out to your Concierge Team for support. Note that if a recommended provider is out of network, your team can work with your provider to update the prior authorization with an in network option. We've escalated your message to get this process started for you. If you'd like to speak directly to your Concierge Team don't hesitate to reach out at 855-OSCAR-55.

Nov. 29th, 2018

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Gmm El Paso, TX

I believe as a Health Plan it should cover ALL diagnosis not just some. I know people that have Hemophilia A and OSCAR does not cover any factor (medication) or have any doctors that take care of that specialty. It's reasonably priced but what good is it to people that suffer from that diagnosis? I think that if they were to cover that diagnosis they would have a bigger member enrollment.

5 years ago

Reply from Oscar

Hi Gmm, we appreciate that you shared this feedback with us. We do recommend that members reach out to their care team in this situation. Note that our Network Navigator team can assist members if there is an access gap or they cannot find a provider. For medications that are not in our formulary, we can work with your provider to start a prior authorization. If you have additional questions or would like help, call us at 855-OSCAR-55 to be connected directly to your care team.

Nov. 29th, 2018

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Galina ONeil San Antonio, TX

The authorizations for pain management procedures are taking too much time. I couldn't keep my appointments because of this.

6 years ago

Reply from Oscar

Hi Galina, we're sorry to hear you're frustrated and we'd like to look into this for you. Due to privacy laws this isn't something we can help with via Best Company, but send us a private message with your Oscar ID number and we'll be happy to have someone from our team get in touch with you to help. If you'd prefer, you can also call us at 855-OSCAR-55 to be connected directly to your Concierge team.

Nov. 12th, 2018

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Bob M Cedar Park, TX

Terrible company greedy business model. They have fake paid review trolls all in October to deceive and distort before open enrollment . Read the real reviews throughout the year January until September of their insured getting screwed. Very few doctors accept this insurance combined with sky high premiums and ridiculous copays deductibles and coinsurance. Don’t be fooled

6 years ago

Reply from Oscar

Hi Bob, we're sorry to hear this. DM us your Oscar ID number and we'll be happy to have someone from our team get in touch to further address your concerns.

Nov. 5th, 2018

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Katia Wehbe Austin, TX

I like it. The people nice and it helps. It easy and you can understand all the information they put it online and love it thanks,

6 years ago

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gwen hall San Antonio, TX

Oscars is a great insurance company so far the best they make it affordable easier to get and pay for medicine visit great keep up the good work

6 years ago

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Mark S. Buda, TX

Customer service is by far the best. Working with my concierge team is almost like talking to family. I simply couldn’t ask for better.

6 years ago

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Marie Brooklyn, NY

I would NOT recommend. I was excited to try Oscar, but have not had a good experience. They refused to pay any costs associated with my broken arm I got while skiing, because I did not go through the correct emergency room entrance. (The clinic on the ski slope had called ahead to arrange an Operating Room for my emergency surgery - because I wasn't admitted through the ER, Oscar wouldn't pay. ) Despite breaking my arm and needed emergency surgery, Oscar cared more about the billing codes, leaving me with a $20K+ bill. I would NOT recommend.

6 years ago

Reply from Oscar

Hi Marie, thank you for sharing this feedback. Due to privacy laws this isn't something we can help with on Best Company, so we passed your message to your Concierge Team. They've notified us that a supervisor has been assigned to work with you and explain the plan of action. We apologize for the negative experience, and look forward to working with you to resolve it. If you have questions or would like help, call us at 855-OSCAR-55 and you'll be connected directly to your Concierge team.

Oct. 26th, 2018

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Ellen Lakewood, OH

The app is very easy to use. The docs on call have all be very helpful the handful of times that I have requested a call.

6 years ago

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Hope Lakewood, OH

This is the easiest health insurance I have had had. The help and customer support people are genuinely helpful and kind.

6 years ago

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robyn locricchio Islip Terrace, NY

When ever I call the help desk immediately comes up with a solution to my problem. My only complaint is the monthly cost to maintain my policy and the deductible is so high

6 years ago

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Jack Earnhart New York, NY

Have had a great experience for my business. My employees love the free telemedicine option. My Oscar representative has been a huge help.

6 years ago

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Jon New York, NY

No question the best experience I’ve ever had with health insurance. Easy to understand, and very helpful customer service!

6 years ago

Reply from Oscar

Thanks for the love, Jon! Don't hesitate to reach out if there's ever anything we can do to help.

Oct. 1st, 2018

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Michelle Tornch New York, NY

This insurance sucks, very limited network coverage, and very poor customer support. High premiums, high deductibles, and low acceptance, business model based on greed to make as much money for private equity companies and other investors. NOT focused on consumer health or wellness. Prepare yourself for declined claims, doctors who have never heard nor accept of this crap, and being stuck with huge bills and premiums. Really sad

6 years ago

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Sean P Pabbruwee Huntington Beach, CA

It is aweful. Don't use this insurance, they will cover nothing and fight you on everything. They will tell you your covered if you ask then refuse to pay once you submit a claim. I went for a flu shot and the doctor that Oscar recommend and said was in network had never heard of Oscar, would not take my insurance and told me I had been scammed. Instead of reimbursement, Oscar told me I had to go back to the doc and tell them Oscar was a real insurance. What kind of rip off are they running?

6 years ago

Reply from Oscar

Hi Sean, we’re sorry to hear you’re frustrated and would like to help resolve any issues you’re having. Know that if you’ve signed up for a high-deductible plan, preventive services are covered in full, but any non-preventive services will be subject to the deductible. This means that you'll be responsible for the full negotiated rate of those services up until the amount of your deductible is met. Due to privacy laws we can’t discuss anything regarding your claims here. However, we’ve sent your feedback to our team and understand they’ve addressed the claim issue with you. If you’d like further assistance please give us a call at 855-OSCAR-55.

Jul. 19th, 2018

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jENN Westbury, NY

Horrible customer service, every representative tells you different information. Worst experience with a health insurance company in my life. Premium for me and my husband because he lost his job is $1132.06 a month. Paid my premium temporary ins card said coverage effective date is 7-1-2018, got to pharmacy was told no coverage three hours after I made my payment on phone with rep. Was told I could get reimbursement for paying $58 for a med that usually costs me $5.00. Now told they don't cover med. If you need health insurance RUN FOR THE HILLS.

6 years ago

Reply from Oscar

Hi Jenn – we’re sorry to hear you’re not happy with the experience. Because of privacy concerns we’re not able to comment on any specifics regarding prescriptions or your coverage here. However we understand you’ve connected with a supervisor on our team to further address the issue. Our team is always here to help for any questions you might have. You can reach us any time by calling 855-OSCAR-55 or by sending us a secure message from your account or the app.

Jul. 13th, 2018

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Shawn Ordoyne Austin, TX

This is a scam. Stay away. Oscar SUCKS. First, they only have O.D., Nurse practitioners and P.A.s that you can see. Forget about seeing an M.D. Second, if you see an M.D. by some miracle, you will pay $120 for a "free" primary care physician because of some B.S. medical coding scheme and it will be charged under your deductible. These people are crooks.

6 years ago

Reply from Oscar

Hi Shawn, we’re sorry to hear you’re frustrated and have had difficulty finding a doctor. Due to privacy laws we can’t discuss anything regarding your claims or private health info here. However we’ve sent this feedback to our team and understand they have been in touch with you to further address the issue. Our full network of providers is searchable on our site at , but we're also always happy to help you find providers that meet your needs. You can always reach your Concierge team by giving us a call at 855-OSCAR-55.

Jul. 13th, 2018

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Paul G Van Nuys, CA

3 free primary care visits, except, they aren't free! Oscar claims you get up to 3 free visits with a primary care doctor per year. except once you make the first visit, you will get the pleasant surprise of a nice sized bill from your primary doctor's office. so now you're paying $220/month for nothing, thanks Oscar. Can't wait until Obama care gets overturned by our new President. This is such a scam. I'm paying well over $2k year for nothing.

6 years ago

Reply from Oscar

Hi Paul, we're sorry to hear you feel this way. Due to privacy laws we're unable to discuss the specifics of your private health info here, but please be aware that if your plan includes 3 primary care visits, those office visits will be covered in full with an in-network primary care doctor. If the doctor runs any additional tests or lab work, those services will be subject to the cost-sharing of your plan. Give us a call at 855-OSCAR-55 and we'll be happy to look into this further for you.

May. 15th, 2018

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Queen kay Los Angeles, CA

Not happy nor satisfied with Oscar Insurance. I have hospital bills in my name and they won’t pay these billing companies. Nothing is really covered so just keep In mind , everything has a copay . That’s basically like false advertising. In California there’s no cooperate office or any available supervisors to help address issues. Been waiting for my problems to be resolved but nothing yet . Please fix these problems or else you will lose all your customers because this is my last year with you guys!

6 years ago

Reply from Oscar

Hi Queen, we're sorry to hear this. Due to privacy laws we're unable to discuss your private health info/claims here, but give us a call at 855-OSCAR-55 and we'll be happy to look into this further. Please also keep in mind that if you're on a high-deductible plan, with the exception of preventive care that is covered in full, any services will be subject to your deductible. This means that you'll be responsible for the full rate of non-preventive services up until the amount of your deductible. We're always here to help you understand the benefits of your plan and the way the cost-share structure works, please don't hesitate to get in touch with any questions or concerns.

Apr. 11th, 2018

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Stephen Smart Austin, TX

I cancelled my coverage on Feb 28th, and Oscar verified that the coverage was cancelled. However, I found out it was not cancelled, and two months later am still receiving bills. Now they have no record of the cancellation, and are just saying it was a cancellation of the auto-pay. It is really an awful company to do business with. I'm still trying to get the situation resolved, but each time I call, no one seems to be able to help.

6 years ago

Reply from Oscar

Hi Stephen, we're sorry for the confusion. When you called and spoke to us on 2/28, we turned off your automatic payments and Lynn, the representative you spoke with, advised that the cancellation would need to be made through the Federally Facilitated Marketplace (FFM) because you enrolled through . Unfortunately we're not able to cancel enrollments from the state marketplace which is why the cancellation has to be done directly through them. That being said, because your automatic payments were turned off when you called, your policy is currently in a grace period and will be automatically cancelled after 3/31 due to nonpayment. This means that the end date of the policy will be backdated to 2/28 and you will not be responsible for the March premium payment. Rest assured that the only consequence to the plan being cancelled for nonpayment is the cancellation–we never report to creditors or anything of that nature. Please don't hesitate to reach out to us with any questions or concerns: 855-OSCAR-55.

Mar. 26th, 2018

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Rand Shrader San Marcos, TX

A complete disgrace. Most web pages and buttons do not work. I simply wanted to find a listing of local primary care physicians, but such info doesn't seem to be available. I send the "Concierge" a message and got the auto response that they usually respond within a business day. This horrid company receives ~ $600/month for my insurance. What an outrageous joke on the American people!

6 years ago

Reply from Oscar

Hi Rand, we're sorry to hear you're frustrated. Everything on our site appears to be functioning, if you're having any trouble, give us a call at 855-OSCAR-55 and we'll be happy to troubleshoot and get to the bottom of what could be happening. For reference, you can search our full network of providers on our site here: We do our best to reply to secure messages ASAP, but please be advised that the general turnaround time is indeed one business day. If you need to reach us sooner, just give us a call and we'll be happy to help.

Feb. 26th, 2018

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B Patel Austin, TX

Absolutely terrible. Their technology doesn't work and their customer service doesn't make up for it. After we signed up, I tried calling their doctor on call service and it would not authenticate me. I called Oscar and after several calls it was an issue with my account in their system. I ended up just going in to a local doctor. A month later, I tried their doctor on call service again and it seems I'm in the same position.

6 years ago

Reply from Oscar

Hi B, we're very sorry to hear this! This certainly isn't the experience we hope to offer our members. Give us a call at 855-OSCAR-55 and we'll be happy to troubleshoot and escalate the issue as needed. We're also able to transfer you over to one of our telemedicine doctors if you'd like. We apologize again for the negative experience.

Feb. 16th, 2018

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Allison B Avon, OH

HELP: How Do You Get an Estimate of Health Care Costs? Oscar has Denied Me in Every Attempt. I called Oscar with instructions from my doctor to call my insurance company, and give them billing codes to estimate a long term treatment plan for my son's allergy shots. When I called Oscar, supervisor Sarah B. told me that you cannot estimate cost until AFTER you receive treatment. My physician said the cost could be as much as $8,000! Doesn't a patient have a right to know what they will be billed? AT LEAST AN ESTIMATE! Sarah B. has strongly denied my request for a simple estimate.

6 years ago

Reply from Oscar

Hi Allison, we’re sorry for the frustration. Cost estimates are difficult to provide for two reasons. While we typically know why we're seeking care–perhaps for a general check-up or a specific concern–we don't always know the kind of care we're going to need. Even when we do know the care we're seeking, the treatment is provided as a part of a care episode and may include other supporting services we're not anticipating. For example, if you go to see your provider for a cough, you will expect to pay for the office visit; however, diagnostic tests administered within the visit - such as breathing tests, labs ordered, or prescriptions sent may result in additional charges. Moreover, the charge you incur will vary depending on the setting in which you see a provider as well as that provider's specific credentialing and qualifications. While we are committed to providing cost transparency when and where we can, these factors make cost estimates hard to pin down. Above all, we want to make sure we're providing you an estimate that we can stand by so that you can make a decision with confidence, and we would hate to set any inaccurate expectations. You can be certain that as long as the service is covered and performed with an in-network provider, the cost of the service will never exceed your out-of-pocket maximum for the year. Please don’t hesitate to reach out to us with any questions or concerns: 855-OSCAR-55 or .

Jan. 30th, 2018

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Ela San Antonio, TX

I'm so disappointed with Oscar insurance - they have terrible customer service, can't answer simple questions, and lie about coverage... At the beginning of December 2017 I received a written authorization for genetic testing (BRCA1) and it clearly stated that the provider of my choice is participating in Oscar and the test will be covered in full. To my amazement few weeks later the claim was denied on the ground that provider was out-of-network... I called and emailed multiple times but they never answered my question: Why my claim was denied???

6 years ago

Reply from Oscar

Hi Ela, we're sorry to hear this! Due to privacy laws, we're unable to discuss the specifics of your private health info here, but give us a call at 855-OSCAR-55 and we'll be happy to look into this. It's possible that the provider changed their credentialing information without updating with us, which can sometimes cause claims to deny as out of network. If that's the case and the provider is indeed in-network, we'll just need to reach out to them to get their info updated and the claim will be processed accordingly.

Jan. 30th, 2018

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SS Helotes, TX

This plan was AWFUL! They covered absolutely nothing but tried to force you to use teledoctors for EVERYTHING or else they wouldn't cover it. Such a waste of money for a young healthy individual. I literally saw thousands of dollars in a year being wasted on this POS insurance company that spends a majority of their dollars on marketing, web design and advertising. No real substance to this plan.....stay FAR FAR away! Also super difficult and tedious to cancel with them.

6 years ago

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Kristen Bacorn

Oscar has huge deductibles and tons of red tape. They are inefficient and impossible to deal with and cover virtually nothing. Worst of all, they promise member benefits like bonuses for health clubs or exercise, but do EVERYTHING in their power to find excuses, loopholes, exceptions and sometimes, in my experience, outright lies so they can avoid ever giving those benefits. I started out liking them, but they have worked hard to earn my utter contempt.

7 years ago

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Melissa Brooklyn, NY

I entered in my zip code wrong on my credit card so they charged me twice, caused my bank to go into overdraft, wouldn't reverse the charge, then cancelled my coverage (even though I had double paid). Customer service wouldn't do anything to help I called and messaged every day for a week. Terrible product, piss poor collections department, no customer service. Really, really, really bad.

7 years ago