Oscar
3.3
7.4
Overall Score
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Brett P New Brunswick, NJ
Oscar has been solid to ensure I have coverage in case of emergencies, and the premiums are affordable. Customer service has been helpful when I've needed information, and the doctor on call feature is great for deciding if something is pressing or not. I don't know much about the more involved plans, though, so if you have a lot of doctor's visits or prescriptions, definitely look into the specifics first.
5 years ago
Mallory Lakewood, OH
Oscar Insurance has been hassle free and their customer service team is friendly, efficient and very helpful. They have a doctor on call service that I have yet to use but knowing it’s an option instead of making an appointment with my own doctor for a quick question is nice. All of my doctors are in-network which is why I chose Oscar. My co-pays are decent and cost of prescriptions make it affordable to get my medicine each month.
5 years ago
Marg.C New Braunfels, TX
in 2018 i didnt have many options for insurance and i went with oscar ( a company i never heard of) and boy was i surprised I Love Oscar i had several medical problems in 2018 and they was with me all the way covered everything and even followed up with calls to ask if there was anything else that i needed or assistance with follow up appointments they was Great i just wished there price would have stood in the same range i hate that i have to switch cant say enough good things about them
5 years ago
Reply from Oscar
Hi Marg, we're so glad to hear this but bummed you had to switch! Thanks for taking the time to write a kind review.
Jan. 2nd, 2019
Ben Kibreab Los Angeles, CA
Oscar is an insurance company for the future. Their plans are affordable and incorporates great technology to deliver it. You can use their app to do pretty much everything, from finding a doctor to speaking to a doctor for advice. In addition if you do have to talk to someone, you will get a liver person quickly, and speak to someone that will solve your issue or answer your question. It’s refreshing To have a company like Oscar in the healthcare insurance market, which usually is populated by huge insurance companies that don’t care and you can’t get in touch with. Love Oscar.
5 years ago
Glenn S. Leander, TX
I was somewhat apprehensive about signing up with Oscar for 2018 because of negative reviews mostly from people in NY. But then I looked at the negative comments made more closely and noted that in every single case the critics should have been mad at themselves for not taking the time to understand what the Oscar policies cover and don't cover, what deductibles and co-pays mean and what doctors are in network BEFORE they signed up for their policies and/or went in for medical care. I live in the Austin, TX area and find those who are critical of Oscar have largely made the same mistakes as did the critics in NY.
Anyway, having almost a year under my belt with Oscar now I can confidently state that I've been very pleased with my policy. Oscar processes claims quickly and accurately, has reps who have been very helpful and courteous on multiple occasions and their doctor on call has been a great free service. There is a wide selection of doctors (both general and specialists) and medical facilities to chose from and I can see anyone of them that I want to without having to select a primary care provider and don't need to get a referral for a specialist. And, since I took the time to understand my policy beforehand, there have been absolutely no bad surprises.
Oh, yes, Oscar did raise their premiums by about 17% for 2019 and did increase their deductibles and max-out-of-pocket amounts but they are still the best cost insurance option on the ACA exchange, especially for those whose incomes qualify them for insurance premium subsidies.
My only complaint: They do not provide medical procedure or prescription cost estimating tools. Most major insurers have these tools so their policy holders can make better, informed decisions regarding their health care options. It's important enough for me to take off 1 star for this reason.
5 years ago
Very satisfied customer Los Angeles, CA
I love Oscar and have been raving about you to everybody including colleagues and clients — and to medical professionals! I love how easy it is to get questions answered via your app and how caring your company is! I love how you reward members like me who take steps to be on great health like your reward for those who walk!
Thank you!
A very satisfied customer
6 years ago
Jenifer Astoria, NY
I love the app. It is very convenient and easy to navigate. I've used the doctor on call service and it was quick and helpful. I've also reached out regarding admin questions and although it takes a little more time to get a response, I've always gotten a good response which clarifies my questions. I love the step counter and how it's synced with Amazon! I brag about that to all my friends. I am giving 4 stars mainly because the plan itself which is most affordable is still very limiting. And when I need more medical attention than normal, I feel I'm eating a lot of the costs. I appreciate the low monthly premiums very much, but the deductible is the sacrifice for such low payments. I think it would be a good idea to include other plan options on the app to make it easy for a member to switch if they feel they need different coverage.
6 years ago
esther gallagher San Francisco, CA
i was uninsured for decades. when ACA came along i was initially insured with another company. it was more expensive and complicated and i felt i wasn't entitled nor could quite afford the "care" i might have needed. with Oscar, i feel i am able to afford the cost of insurance as well as the copays i can use my HSA to cover. so far, the Oscar folks have been super helpful if ever i've had a question.
6 years ago
Mrs DeLaPena San Antonio, TX
In my experience I have never had any trouble with having to see my regular Dr or any specialists that I have needed. Always quick to get referrals or approvals usually with in a week no more than two weeks. Other insurances take much longer to get approvals. The doctors in network that I have had so far are all veru good at what they do. I had surgery and all of that went great including hospital emergency room.i want to keep this same policy if the price stays with in my range of income and affordability.
6 years ago
CHRISTOPHER CARRALES Del Valle, TX
Was hesitant initially as I could not find anything in Texas about Oscar but the policy #'s were what I wanted , unfortunately within a month of service I required very exstensive medical care , Oscar has been the best ! Seriously after describing my experience to individuals paying double the premium they all felt cheated by there insurance companies.
6 years ago
Scott Landay New York, NY
I have been with Oscar now for 6 months and have absolutely loved it! From the outset, it was so easy and intuitive to enroll and find a doctor in NYC. The whole platform is so easy to use and to navigate. No headaches trying to decipher claims or bills and someone is always available to help when needed. Oscar has worked seamlessly with my providers, saving me time and hassle that I'v experienced before with other companies haphazard bills. At the end of the day, I love having my healthcare at my finger tips. No matter where my day takes me, I know that I've got Oscar.
6 years ago
Charles Richards New York, NY
I am a business owner, and we offer Oscar Insurance to our team.
I can honestly say that the entire experience from the onboarding process until now has been exceptional.
Managing team members who receive the insurance (both new employees and when terminating employees) is quick and easy.
I would recommend Oscar, as they are connected to a good group of doctors and hospitals and according to one person who is pregnant, the service has been very smooth and comforting.
6 years ago
Marco O. Brooklyn, NY
I'm on my second year of being an Oscar member and it's been a really good experience so far. Their clinic in Brooklyn is near my apartment, so I get a lot of use out of that especially because it's free. Their customer service is always on top of it and has been able to handle issues that I've had with billing or doctors. I think one of the best things they do is definitely the welcome packet that they send you. Lots of helpful advice on how your plan works, definitions, etc. and it's really well designed. Thumbs up.
6 years ago
Blair S New York, NY
Have had great experiences so far with Oscar. It seems like they really know what they're doing. I get other coverage through my employer but I'm thinking about my options for healthcare in the future. From what I can tell so far, the app is super simple to use and I like that it gives you a dollar each day for hitting your step goals. Searching for doctors also seems super simple. Oscar definitely makes things easy to understand too when health care can be very confusing.
Some friends of mine have Oscar coverage and they like it a lot too.
6 years ago
Cristina Anderson San Antonio, TX
I had Oscar Insurance in Texas until I had to switch because I moved to a state where Oscar wasn't available. I switched to Oscar from another insurance after a multitude of problems getting my prescription medication approved. The old insurance company changed its formulary and it became and non-preferred medication. They decided I had to go through step-therapy despite me taking the medication for over 7 years. When I was started on the medication, my doctor didn't do a step-therapy (because it wasn't required at that time). So basically I had to try a medication that could put my health in jeopardy just because of an insurance company (un-named) changed their formulary to save money.
I spoke at length with representatives at Oscar before switching and was very happy with the coverage and services I received from them. I am now back in Texas and am choosing Oscar again! No insurance plan is perfect, but I like the ease of use, transparency, and clarity of the website with Oscar.
6 years ago
Reply from Oscar
Thanks for the love, Cristina! We're glad to have you back. Don't hesitate to reach out if there's ever anything we can do to help.
Aug. 31st, 2018
Karen Shenker New York, NY
With all the issues we gave to deal with after Obama Care andcthe Affirdabke Care Act was introduced, Oscar medical insurance is a pleasure to deal with.
Unfortunately they’ve also become very expensive but they’re not to blame
My main negative is that they stopped their affiliations with Weill Cornell and NY Presbyterian so I was forced to change all my doctors and hospitals.
I love their website and the fact that they’re current with the times. Technically driven, organized and their staff aim to please. Billing is excellent too.
6 years ago
Reply from Oscar
Hi Karen – thanks for taking the time to share your experience. We're so glad to hear that you're happy with Oscar. We built our network in New York around three great hospital systems that ensure complete and high-quality care, collaborate with us for a seamless care experience, and provide great value without sacrificing quality. If you’re looking for a provider, our team is happy to help - they can narrow down a list based on the criteria that are most important to you. As always, if you have questions or would like help from your team, call us at 855-OSCAR-55 or send us a message via your account or the Oscar app.
Jul. 13th, 2018
rose Helotes, TX
So far I've had a good experience with Oscar. I don't go to the doctor that often and I just needed a plan to cover in case of an emergency. Had Humana and the rates were ridiculous. I used their app because my son had a bug bite, I took a picture of it, minuets later a doctor called me to advise me of what I should do next. As far as the billing goes, I have it automatically drafted out of my checking account, so far so good. My co-pay is $10 so I'm happy about that too.
6 years ago
Reply from Oscar
Hi Rose, thanks for taking the time to share your experience! We're so glad to hear that your happy with Oscar. Please don't hesitate to reach out to us if there's ever anything we can do to help! 855-OSCAR-55.
Apr. 3rd, 2018
Jay Canyon Country, CA
I have had Oscar since July this year. I have been to the doctor many times and had prescriptions filled all with no problem at all. One of the reasons I signed up with Oscar is that my doctor was in network and not with any other individual plans being offered. Plus the premium was less than the other options.
Oh by the way, I am also an insurance agent and there are going to be issues with all companies but so far with Oscar I am please.
6 years ago
Jon New York, NY
Hands down the best experience I've ever had with health insurance. Oscar's app helped me find a primary care doctor near to me who was accepting new patients - and I even booked an appointment directly with them. I've used their free telemedicine service a few times, which has calmed my nerves and saved me trips to the doctor's office. And I LOVE my Concierge team - they've been super helpful whenever I've had questions. Couldn't recommend Oscar highly enough!
7 years ago
S Deerfield
I have used Oscar for the past year. It has been the BEST insurance company I have used.
Everything is set up very efficiently--from the website to the claims procedures. My favorite part of Oscar is their "doctor on call" service. I have periodic eczema and rather than paying $150 for a doctor visit to get the same ointment prescription I always get, I could call Oscar and get the prescription renewal. It is savings for the insurance company and for me.
Thank you, Oscar, for common-sense insurance!
7 years ago
M Mills
I was with Oscar for one year, this was a great and simple insurance company to work with. Loved the dedicated customer service team, they were very easy to contact, follow-up was great, and they were easy to use and provided great coverage. The biggest challenge was during the first half of the year having to spend a lot of time convincing healthcare providers and hospitals that Oscar was a real health insurance company. Oscar poorly communicated its entrance to the Dallas Texas market when it entered in January 2016. I was very disappointed that Oscar decided to leave Dallas after spending only six months of that first year in Dallas. This demonstrated very poor strategic and operational planning on their part. Given, that Oscar was a startup insurance company and took some losses during its first year, this was a major disruption for customers, medical providers and others. As much as I liked Oscar, I am reluctant to go back to them in the future given that they are so unstable and pulled out so quickly. I would not want to risk having to change my physicians and care givers again in such a short time.
Although they were a good insurance company and was beginning to provide excellent service, they cost me a lot of unnecessary disruption during a critical time in my life including destroying critical relationships with some excellent healthcare providers due to the short coming and going and need to find providers in new networks. This was very painful and I felt abused. Oscar has lost my support and made me reluctant to support future new healthcare insurance company startups.
M. Mills.
Dallas, TX
7 years ago
Review Source
Erica Lucas
It’s was very easy to complete and you get a $5 Amazon gift card. Got mine with 15 mins of completing the survey!
2 months ago
Nate Vassar
This insurance company does not cover anything that they say they will from when you talk to them on the phone when signing up. If you call customer service you have to deal with someone in India that barely speaks. If you are hold long the will hang up on you. They may say the call dropped it is a lie. I give them my number to call back they don't. This is not on my end I have never dropped a call from my house in 9 years. This company is a scam. They take premiums but do not want to pay anything. I cannot say enough bad things about this company I highly recommend you shop for another company. I would rather pay double the premiums I am paying now than deal with this company.
7 months ago
Dan Kruse Palm Coast, FL
If I could leave zero stars I would. Had a plan with Oscar and tried to cancel before it started, they claimed it had to be done through the Marketplace, LIE!! I wanted to cancel because I had signed up for a new Oscar plan due to income changes. I was told it would take 30 days for escalation team to review. It was never cancelled and the policy went on for 30 days and eventually cancelled due to non payment. No big deal as my new plan was going to start at the end of the first plan anyways. I had paid my premium 6 weeks in advance and everything looked good on Feb1, had a Dr's appointment soon after and then a few days later they cancelled my new plan and then sent me an email that they would refund my premium. Cleary they are an extremely unethical company as I'm sure now they wont pay the Dr's office for my visit. This company is sketch sketch, sketch! During this time I was looking for an orthopedic surgeon, I called 35 of the 70+ listed on their website and none take Oscar, do you know why, because Oscar wont pay the providers, one office told me they have been battling with them for payment for two years. Again, a very unethical company where money is going into someone's pockets.
8 months ago
Review Source
enrique saez Miami, FL
Oscar offers easy to use, hassle free health services. At first I was hesitant that everything is virtual, but it made me realize that I really do not need to see a face unless I have an out of the ordinary medical question. 98% of my medical issues can be solved via their app. I am completely satisfied.
1 year ago
IYM s Kissimmee, FL
I have been with Oscar's insurance for two years and I really have no complaints, they have provided me with all the information and the service that I needed for me, they have been of great help, I had my baby and the co-payment that I received was super low. i love my insurance
1 year ago Edited August 14, 2023
Haiyan Melbourne, FL
Update: Oscar was able to solved this problem, so I changed my review to 3 stars.
This is the 2nd year I'm with Oscar, 1st year I barely used it, this year when I need to use it, it's a nightmare, here is my advise:
Stay away from this company.
They use excuse called "medical unnecessary" and refuse to pay your medical bill.
Here is my story:
A MRI result showed that I have a loose body in my knee and the only treatment is arthroscopy to remove the loose body.
So my doctor's office sent Oscar the necessary information and both my doctor's office and I got approval letter to do the surgery.
Great news right? But this is where the nightmare begins.
I had the surgery and when my doctor billed Oscar, the claim was denied. The reason Oscar gave me is "the services you received were not deemed medically necessary".
Here is what my doctor found on my knee:
1. Two loose bodies. (One medium size, one large)
2. Level 3 ( moderate) arthritis inside and outside of the knee.
3. Most of the cartilage in the knee is gone.
So with the evidence of the MRI and the findings by my doctor during surgery, Oscar said it's medically unnecessary for treatment, I don't know what you have to suffer for them to think it's medically necessary, for them to bill your medical bill.
What's even worse is they authorized the surgery and then when you get it done, they denied to pay any medical bill.
1 year ago Edited June 19, 2023
Reply from Oscar
Hi Haiyan, 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.
Mar. 14th, 2023
Khan Noor Lawrenceville, GA
Website is user frreindly theyve paid out on all the claims no issues I went to top providers. Really happy best insurance ive ever had. I just wish insurance was cheaper for everybody and the only way that can happen is if they contest hospitals ridiculous charges.
2 years ago
Reply from Oscar
Thanks for the love, Khan! Don't hesitate to reach out if there's ever anything we can do to help.
Jun. 7th, 2022
Ladonna Ulrich MN
I'm impressed so far with this insurance company. The list of in network providers is accurate, they offer free telehealth services, and my prescription coverage is great! Even my doctor said it's a good insurance company that actually listens to the doctor and the patient.
2 years ago
Reply from Oscar
Thanks for the love, Ladonna! Don't hesitate to reach out if there's ever anything we can do to help.
Feb. 15th, 2022
Hisari Jersey City, NJ
All Oscar services are super reliable, for eg when I ask for a doctor on call, I always get a call from a doc within 20-30 mins and its always free, I use doc on call 7-8 times a year. Oscar Health has completely changed how I interact with health care system.
3 years ago Edited November 1, 2021
Reply from Oscar
Thanks for the love, Hisari! Don't hesitate to reach out if there's ever anything we can do to help.
Nov. 9th, 2021
Review Source
Anne New York, NY
Best - web site is easy to use, easy to navigate, easy to get info
Worst - after the easy navigation in search of answers, the answer is almost always "we don't cover that", or "that doctor is not in our network"
Positive - the $1/day for walking 12,000 steps
Negative - why stop at $100? That's less than one-third of the year! My suggestion is making it at least half the year. Your rates are very high for the coverage you offer. At least you can give subscribers some impetus to stay healthy.
3 years ago
Reply from Oscar
Hi Anne! Thank you for your feedback. We really appreciate it and will make sure our team receives your insights to help improve our member experience.
Sep. 6th, 2021
Review Source
Ryan Martin Clearwater, FL
You completely lose engagement with your app when your step tracking maxes out. There is no reason to open the app especially if you have auto bill pay on. You should do step tracking for 365 days a year ensuring every day engagement.
3 years ago
Reply from Oscar
Hi Ryan, thank you for your feedback! Our team is always looking for member insights on the Oscar experience and we'll be sure to share your thoughts on engaging with our app. We are happy to hear that you are enjoying the step tracking feature!
Aug. 24th, 2021
Review Source
Glen Williams Columbus, OH
I don't understand why I have to jump through impossible hoops to get tier 1 Rx for free. You make me go through an emergency protocol with an online doc that has no idea about my background and then print off a 2ndary Rx card to take to my same pharmacy just give us the prices straight up it is a time suck and feels like i am being scammed by my insurance compant
3 years ago
Reply from Oscar
Hi Glen, thank you for your feedback. Please check your DMs for a message from our team.
Sep. 6th, 2021
Renée Santa Monica, CA
I look at Oscar as tech meets healthcare. Love the app, the $ incentive to get your daily steps in and the doctors I've gone to have all been fantastic! Now if only I could get a lower deductible without the monthly fee going through the roof. ;)
4 years ago
Reply from Oscar
Hi Renee, thank you for your kind words and for being an Oscar member! We will make to share your feedback with our team.
Oct. 23rd, 2020
Robert Adler Deerfield Beach, FL
The company's website has been very easy to navigate through... customer service is very helpful and knowledgeable and I really like the no charge for the doctor on call service which was a brilliant idea who ever thought of that one!😎
4 years ago
Reply from Oscar
Thank you for your kind words, Robert!
Aug. 7th, 2020
Roxanne Fay Largo, FL
I have really appreciated the communication from Oscar regarding what my insurance covers, how to get help during the pandemic, what resources are available, etc.
I am fortunate that I am in good health and haven't had much cause to use my coverage, but feel confident that if I should need care, I will know where and how best to receive that care.
4 years ago
Reply from Oscar
Thank you for your kind words, Roxanne! If there's anything we can do for you, please feel free to reach out.
Jul. 23rd, 2020
Ron Rolek Valencia, CA
Oscar has come through once again. Their Doctor on Call service saved us another trip to urgent care and made a scary situation a piece of cake. The concierge that worked with us, Courtney, was a true pleasure. However, the doctor we talked with through TeleDoc was not up to Oscars caliber.
4 years ago
Reply from Oscar
Hi Ron, we are happy to hear this! Please send us a DM so that we may follow up with you about your Doctor on Call experience.
Jun. 29th, 2020
brock williams Los Angeles, CA
Oscar has been the best health insurance company I've ever had. I've been self-employed my entire adult life, so I've paid for my own health insurance and I've had a lot of different policies with different companies, in multiple states. Oscar has been the most affordable, easiest to navigate and best coverage I've ever had.
4 years ago
Reply from Oscar
Thank you for your feedback, Brock! Let us know if you ever have any questions.
May. 27th, 2020
Roseanne Mitchell Georgetown, TX
I am impressed with coverage and doctors but Oscar needs to make it easier for my doctor's to get approvals. They tell me Oscar makes it too time consuming and difficult to get approval. Approvals should be made by doctors not some non medical person answering the phone or getting other types of communications
4 years ago
Reply from Oscar
Hi Roseanne, thank you for sharing your feedback. We will make sure to pass this along to the appropriate teams here at Oscar in order to help improve the member experience. Please let us know if we can help in any other way!
May. 27th, 2020
Penny Altman Van Nuys, CA
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.
4 years ago
Reply from Oscar
Thanks for the love, Penny! We're glad to have you as part of the Oscar family.
May. 27th, 2020
Cherie Crane Los Angeles, CA
Responsive, good online portal and online concierge. I like that I can get a plan with all the UCLA physicians included. My only complaint is that Oscar does not cover as much as Blue Cross does in costs associated with breast cancer - such as cold cap therapy to prevent hair loss, considering it purely aesthetic and not recognizing that it can be emotionally comparable to breast reconstruction.
4 years ago
Reply from Oscar
Hi Cherie, we're happy to hear about your experience with our Concierge team! We would also like to thank you for your honest feedback. We'll make sure to share your thoughts with the appropriate teams at Oscar for consideration.
May. 22nd, 2020
Margie Valencia, CA
I have had a Oscar for about three years now and I have never experienced better customer service all the way around I would highly recommend Oscar as your insurance carrier. Also the network of doctors they have contracted are also really good you won’t regret it I promise
4 years ago
Reply from Oscar
We're glad to hear that you're enjoying your Oscar experience, Margie! Please let us know if you ever have any questions. We're happy to help.
May. 22nd, 2020
RVM
They have provided wonderful serice. Their client service in particular is formidable. I had my son on an insurance plan with them in Texas & because I was so pleased, I recently chose them for my husband, daughter and I in Florida.
4 years ago
Reply from Oscar
Hi Rita, thanks for the love! We are happy to have you as part of the Oscar family. If you ever have any questions, please feel free to reach out to us and our team would be happy to assist.
Mar. 25th, 2020
Karen Los Angeles, CA
I have thoroughly enjoyed my experience and now on my second year with Oscar. Customer Service is great and the parameters are clear from the start. The app is super easy and helpful to use especially for teledoc calls and concierge service! I have told many friends to use Oscar if they are business for themselves like me. Highly recommend!
4 years ago
Lori New York, NY
Wonderful customer service. I best ever!!!! Love that there are no referrals needed for in network doctors. App is easy to use and a great resource for doctor/drug coverage. I wish that Oscar had additional hospital networks in plan as I need a specialists that is not in network.
4 years ago
bigblu Culver City, CA
Had Anthem BC before. Now have Oscar insurance with same coverage, but lower premiums. Oscar is more efficient (automated with a simple website). You don't get a lot of unnecessary paperwork in the mail like with Anthem. Of course, the deductible is high, but compared to Anthem, Oscar is much more user friendly. If you have a question, you can email the Concierge and someone will get back to you. You don't have to wait on hold on the phone, only to have someone not able to answer your question, requiring a callback. Just much easier to use than Anthem.
4 years ago
Lisa Los Angeles, CA
I am very happy with my experience with Oscar so far (a year). Materials are very clear and the concierge service has always been terrific. They make it easy to be prepared and ask questions--which is really important for all patients to do in order to help manage costs.
4 years ago
William C Turner Sherman Oaks, CA
I signed up for a high deductible Oscar plan through the ACA because it covered two doctors that I see regularly. Follow up tests and specialists were generally reasonable, but some had high unexpected costs. I was able to get some answers to health questions through their app or website. And one of their doctors called me to give me a lower cost alternative to one of my expensive medications. While premium costs remain low, one of my specialists has been dropped for 2020.
5 years ago
Dominica Pileggi Converse, TX
Everyone is always so helpful and very knowledgeable about everything I've ever asked about. If the answer wasn't known right then, they would find out and get back with me. Usually very quick. The only thing I would like to have had was a larger selection of specialist for adults
5 years ago
mark eichenseer Columbus, OH
The support system is a valuable resource to guide the patient through the process either via messaging or phone. Willingness to review surprise bills is comforting. Quick response by the support team for any request is crucial. The silver plan has fair coverage for a reasonable cost.
5 years ago
