Name: Oscar
Rating: 4.1

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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.

7 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.

7 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.

7 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

7 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.

7 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!

7 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

7 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?

8 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.

8 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.

8 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.

8 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!

8 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.

8 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!

8 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.

8 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.

8 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???

8 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.

8 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.

8 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.

8 years ago

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Christine

It's a cute marketing layer for a terrible product. You know you're screwed when you have to travel to the outskirts of NYC to get care, only for the front desk to tell you to shell out $200 for a 10 minute exam. $485 a month for a plan with a $7,000+ deductible? Please. I don't care if the design is on Dribbble, or the registration process is seamless, I don't ever want to use Oscar again. And yeah, the phone-a-doctor feature comes in handy when you realize it'll cost half an unemployment check for a doctor to "prescribe" Sudafed. Bye Felicia Oscar, hello Aetna PPO ✌?

8 years ago

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Dana K.

I love the personal and dedicated customer service and advice I get from my concierge. The app is also super easy to use!

9 years ago

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Thursday Farrar

Since Oscar narrowed it's service in NYC and dropped out of the New York Insurance Market Place I had to leave Oscar immediately in 2017. I liked the customer service I received but none of the medical centers, hospitals and doctors keep Oscar as a viable insurer. Oscar's answer was to open a clinic in Brooklyn. Seriously. Not an option for me. I'd have to start all over again with a new doctor. Not to mention that more than six months later I am receiving bills for copays that Oscar won't cover. Glad I'm done with them.

9 years ago

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K New York, NY

Oscar is hands down the absolute worst Health Insurance company I have ever had in my life. They lost the same claim I had to repeatedly send to them on 3 different occasions. I honestly believe their claims department does not even exist. I believe this company to be a total scam. The only time you hear from them is when they want their monthly bill. After you pay them your monthly premium they disappear. Seriously this company is a scam and a front and should be investigated for fraud.

9 years ago

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Cristina Grever McAllen Parker, CO

Absolute worst insurance company! If youi live in Texas and considering Oscar, DON'T!!!! I have never felt the need to write a review about anything until now. Too much to complain about. Bottom line…cheap monthly premiums = bad health insurance. There is a reason why very few health care providers in San Antonio, Tx are not contracted with Oscar and refuse to accept their services.

9 years ago

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David Chirls Brooklyn, NY

I have sent personally and had my doctors send claims to Oscar for 7 months now and multiple times per claim. Each and every time, Oscar "loses" the information. I'm not even asking for money, just an Explanation of Benefits that they are required by law to provide me. At first I thought it was simple incompetence, but it's clear that they are intentionally not processing the information. I've had to refer the matter to the Attorney General.

9 years ago

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Gloria Ramirez Elizabeth, NJ

Card never received (call twice asking for it) Got message on their website saying plan was cancelled then a new message saying it was an error (miss communication) Now they want me to pay for the months I didn't have a card after cancelling my plan! never used it, never will use Oscar again. Worst customer service I ever seen as well. Rude and inattentive.

10 years ago

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Jessie Richardson Brooklyn, NY

Total slime, this insurance company. Does not have it together at all. Runs about 100 dollars more a month than most comparable insurance but with a deductible nearly twice as high. Canceled my insurance without notifying me due to a payment that was just a few hours late but still accepted my payment. They said they are refunding me for the payment but still haven't seen it. Will be hiring a lawyer.

10 years ago

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cynthia Los Angeles, CA

I signed up with Oscar because of the providers in their network. However, when I tried to access the pediatricians in their network half of them (about 40 doctors) would not take Oscar. It has been over a month and Oscar has not resolved the issue. When I call, they say they are waiting to hear back from the clinic the doctors work from. But it has been over a month and each time I call, the representative doesn't understand the issue.

10 years ago

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michael Los Angeles, CA

I called 5 docs listed on their site and none could see me for weeks if not months. I used a different UCLA doc assuming UCLA docs all accepted Oscar. Apparently not. Stuck with a $1000 bill now. Will be switching plans in the open enrollment window. Oscar is worthless.

10 years ago

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Becky Ramos

I've had nothing but a pleasant experience with Oscar. The insurance is fantastic, as well as the doctors I've seen. Love it, fantastic!!!

10 months ago

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Cynthia Taylor

Love Tha choice I have made. Plus they have great choice of net work

6 months ago

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Spanky

Love yall all there. Yal are awesome keep up the good work.

7 months ago

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NUBIA PRADA Impellizzieri

Excelente seguro, desde que lo uso me siento totalmente respaldada

8 months ago

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Ana Patricia Alvarez

Todo me ha gustado, gracias , no tengo nada que contradecir me he sorprendido gratamente

9 months ago

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Cheryl Rugg

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

2 years ago

Reply from Oscar

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

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

Jul. 23rd, 2024

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Annie Starr

Wow! I’m glad I checked reviews. When talking to a representative, I asked if he could check how long it might take me to get an appointment if I switched to Oscar and he hung up on me. Actually, stopped talking. I think he was scared I would leave a negative review about him if he just hung up on me. Btw, his name was Joshua.

2 years ago

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Max Peterson Austin, TX

Incompetent company, can't even manage to take a small independent practice off their roster months after termination. They upcharge their patients 200% while paying providers 20% less. Bad for patients and providers, a headache for practice managers to deal with months after termination.

2 years ago

Reply from Oscar

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

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

Jul. 28th, 2023

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Jen Morris Plains, NJ

Do not get this health insurance! It's been a MISERABLE EXPERIENCE! I've belonged to Oscar Imsurance for 3 years and they partner with QualCare who DENY EVERYTHING! They make doctors, patients and staff bend over backwards for approvals that they mostly deny! SAVE YOURSELF THE MISERY AND DON'T SIGN UP WITH THIS PLAN!!

3 years ago

Reply from Oscar

Hi Jen, we’re sorry to hear about this experience and our team would like to learn more about what may have occurred. Please check your inbox for a followup message.

Dec. 20th, 2022

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ShopAtRyannes Tampa, FL

I had two screenings done ; a mammogram and a bone density test as my Dr suggested. Both are on my Oscar plan as $0. So Oscar paid for the test but charged me for the radiologist to read the test. So these common preventative tests all women over 60 get cost me $125 . I have never paid a cent for these until I got Oscar insurance this year.

3 years ago

Reply from Oscar

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

Nov. 23rd, 2022

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Shawna Smith Denver, CO

There requirements for claims and prescriptions is ridiculous. The people seem friendly enough, but they can't really help you. I will switching to a different company in January.

3 years ago

Reply from Oscar

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

Nov. 2nd, 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.

3 years ago Edited October 13, 2022

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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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!

3 years ago

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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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 years ago

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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Kas Bradenton, FL

You will sacrifice your health with this cheap company. Despite having one of the most expensive plans- I haven't been able to get medicine that enables me to exist. I'm about to have to deal with bleeding feet because they don't want to help me. Your bank account is important to them. Not your health. Live short and suffer is their motto.

4 years ago

Reply from Oscar

Kas, 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. 27th, 2022

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Shirin Richardson, TX

Just look at the oscar's reply to messages here and you can assess how is this company. They don't even ask your full name or Oscar ID. They just send a general message to everyone that soon someone will contact you, and of course they never do! In my case after 4 months!! HORRIBLE INSURANCE AND CUSTOMER SERVICE

4 years ago Edited June 15, 2022

Reply from Oscar

Shirin, 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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Scott Moldenhauer Rockford, IL

Very limited doctor selections, especially orthopedics. Also, when I considered Oscar, I called to make sure that they cover people out of state. They said yes. I did have an out-of-state need and they said "no coverage." I will be switching plans next year.

4 years ago

Reply from Oscar

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.

Apr. 29th, 2022

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Morgan Omaha, NE

Awful! Coming from a provider's office. Not a single person working here knows what they're doing. They deny authorizations for bogus reasons & charge their patients ridiculously high co-payments. Don't let the "no deductible" fool you! They will screw you over

4 years ago

Reply from Oscar

Morgan, 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. 8th, 2022

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Hannah Kroff Round Rock, TX

They were great 2 years ago. Now it is the worst experience of my life. The team is not properly trained. I was preauthorized for speech therapy for my kid, then after 3 months was told all my claims were denied for being out of network. THOUSANDS of dollars charged that they won't cover because the negligence of the

4 years ago

Reply from Oscar

Hannah, 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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Omar Jimenez San Antonio, TX

They will take your cash but are completely negligent and deny any and all Dr's recommendations. They act as if they don't have medical professionals reviewing anything or just delegate all responsibility on the mater to someone with sycophantic tendencies and no regard for peoples health. If I could leave a lower rate then 1 star I would!

4 years ago

Reply from Oscar

Omar, 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. 4th, 2022