Oscar
4.1
7.2
Overall Score
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Susan Podas
Oscar has been the best healthcare provider I've ever had. The staff at Oscar are very professional and go beyond the call-of-duty responding quickly to questions. It's the best customer service I've ever experienced.
6 years ago
Jill Kline Anaheim, CA
Love your app. Though I haven’t used your online doctor it’s nice to know I can do that. Love the magnets you sent me so I know where to go that’s covered without looking it up. Love that I can get paid for walking
6 years ago
Nereida Baldwin, NY
Although between my husband and I we pay over $25,000 a year Oscar they denied the anesthesia I needed for a nerve block. I ended up paying $300 out of pocket to cover the anesthesia.I appealed the case and I was still denied with Evicore the company that decides what procedures are and aren't covered. I also appealed with Oscar and I have never heard back. I think it's ridiculous to pay this amount of money and not have anesthesia paid for. Nerve blocks are not painless procedures. I don't see the point of having insurance if it will not cover what is medically necessary.
6 years ago
Reply from Oscar
Hi Nereida, thank you for reaching out about your concern. Due to privacy laws this isn't something we can help with via Best Company, but we've shared your feedback with our team, and they've informed us that they are currently working on resolving your case. If you'd like to discuss this matter further, please call us at 855-OSCAR-55 to be connected directly with your Concierge team.
Oct. 16th, 2018
Katheryn Nashville, TN
I’ve had several health insurance providers over the last 10 years and Oscar is the best by far. Good providers, excellent service and it’s very easy to manage my account.
6 years ago
Kimberly Herrera San Antonio, TX
OSCAR has been extremely easy to use overall. It is easy to find doctor's and specialist with the help of the app, which I love. I've never had insurance till the past two years, and OSCAR has made it a great experience.
6 years ago
Melvin Skochdopole Brooklyn, NY
Oscar is an easy-to-use, friendly and simple healthcare service that has made the transition from university to real world no problem at all. I look forward to seeing their services grow as the company grows.
6 years ago
Ben Huffman New York, NY
I am the CEO of Ripe and we use Oscar for our team. I love the product for my personal use and for my employees. Setting up Oscar was easy and has been a huge value add for keeping my best employees happy and healthy.
6 years ago
Cristina Grand Rapids, MI
Great customer service! Everyone I spoke with was super helpful and really engaged in answering all my questions I had. Would definitely recommend to family or friend looking for help with their healthcare.
6 years ago
Peter New York, NY
I called Oscar about potentially switching my health insurance. While I didn't decide to switch, their customer service was super helpful and walked me through all of my options
6 years ago
Amy Ivanoff North Ridgeville, OH
Anyone purchasing OSCAR insurance....be warned. OSCAR does not mean Cleveland Clinic. If you believe that any doctor you choose at the Cleveland Clinic will be covered by OSCAR you are WRONG. Also, if you go to a doctor in the OSCAR network you should know there is a good chance they will use a lab that is not in network and you will have to pay for it 100%. So if you have a colonoscopy (like my husband) make sure you say "I don't care which lab you normally use, please send my biopsy to a lab in network. Here is a list." That is YOUR responsibility according to Denton F., customer service supervisor at Oscar Insurance. If that doctor isn't contracted with an in network lab than you best ask for your biopsy sample in a to-go bag so you can get it to the right place. ALSO, if make an appointment with a doctor in an office at a Cleveland Clinic facility, don't let them offer you another doctor in the practice with whom you can get a faster appointment. They may very well be out of network. No one will tell you. You will just get the bill and have to pay 100%! There is a lot of work required on the part of members to make sure you get your medical expenses covered.
6 years ago
Reply from Oscar
Hi Amy, we're sorry to hear about the frustration. Due to privacy laws we're unable to discuss any specifics regarding a member's private health info here, but we've escalated this case and your husband should have received notification from our team. Our Concierge team is standing by to help find providers and vendors that meet our members’ needs – they can supply a list of preferred lab vendors according to any member’s plan. As always, if you have questions or would like help from our team, call us at 855-OSCAR-55 and you'll be connected directly to your Concierge team.
Sep. 12th, 2018
Joanne El Segundo, CA
DO NOT PROVIDE PHYSICAL THERAPY anywhere acceptable close to me (Los Angeles)
I switched to Oscar from Blue Shield at the beginning of the year because Blue Shield premiums skyrocketed all of a sudden (we all know why). It was the only other insurance UCLA accepted from the self-insured ones.
I thought it was good that they covered UCLA and USC doctors, which are research facilities and more trustworthy. However, I did not check their physical therapy network. It is horribly slim.
UCLA has offices in many parts of LA, but their physical therapists are only around Santa Monica and central LA.
I have a back injury, and cannot travel far for physical therapy: I don't drive and cannot sit long in a car. The closest physical therapist they gave me was 14 miles away in Santa Monica. Driving 14 miles into Santa Monica means sitting in a car for 45-60 min because of horrible traffic. By the time I would get there I would be in too much pain to do any exercises, and it would add up quite a lot with Uber ($45 for round trip), plus 1.5 hours gone a day that I could be working. You see a physical therapist more often than a doctor who could be farther for that one time check-up.
This is not acceptable. I wrote to request I see the physical therapist I've used in the past who is 1.5 miles away and who knows my issues, but was denied because they are not in their network. This is a normal price physical therapy facility which accepts every insurance out there (but Oscar who they said wouldn't even return their phone calls and forced another patient of theirs to go 70 miles away for physical therapy).
Yes, I understand what "in-network" means, and I agreed to it when I signed up, but I didn't imagine their network would be so poor.
I am going to follow with the state and submit and IMR report, and may end up paying out of pocket to see my local physical therapist (which is the same as not having insurance and worse than having stayed with the more expensive Blue Shield).
_____________________________________
Separately, I read the comment on the blood panel. Yes, Oscar did not cover my Vitamin D and calcium panels because those were not considered preventive. This at a time when Americans are largely suffering from a Vitamin D deficiency.
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Other than this I have been happy with their bill paying and letters regarding bills sent. That part of the insurance company works well. But if they don't cover physical therapy in a way that is manageable or acceptable, it is useless to have.
6 years ago
Reply from Oscar
Hi Joanne, we’re sorry to hear you’re frustrated with your experience. Due to privacy laws we’re unable to discuss any specifics related to your health information or claims here. We partner with a curated network of providers built around systems whose goal, like ours, is to keep costs down and provide a better experience for our members with excellent quality of care. Our full network of providers is searchable on our site at , but our Concierge team is also always happy to help you find in-network options. If you’d like to be connected with your team, please DM us your member ID number and we’ll have them reach out. Oscar follows the US Preventive Services Task Force guidelines. Services that are not deemed preventive by these standards – such as Vitamin D and calcium tests – are covered by your plan but subject to lab cost sharing. If you have any questions about these topics or anything else, please feel free to call us anytime at 855-OSCAR-55 or send a message via the app.
Jul. 9th, 2018
Amanda
My daughter was seeing a speech therapist prior to joining Oscar. We live in the big city of Austin and there is not one speech therapist with Oscar. When I contacted customer service about getting approved the the therapist she was already seeing and knew given there were no therapists in Austin, they told me I had to drive to TEMPLE (over an hour away) twice a week. I work so this is not a possibility. I would have to take off half a day everytime. So in the crucial point in development my only option is wait until Oscar can find a speech therapist in Austin to contract with or pay out of pocket to get less time with a therapist.
7 years ago
Reply from Oscar
Hi Amanda, we're sorry to hear this. We're always working on growing our provider networks to best serve our members. Due to privacy laws this isn't something we can help with directly here, but your concierge team will continue to work with you to find the best option for you and your daughter. If you'd like, feel free to message us your Oscar ID number here and we'll be happy to have someone from our team look into this further.
Apr. 3rd, 2018
Ric La Quinta, CA
Affiliation with UCLA Healthcare provides access to esteemed professionals and renowned full-spectrum services, for whole body Wellness. Top-5 Network, urgent care coverage, seamless billing, non-referral, Wearable incentive, "24/7 Doctor on Call"; a no-brainer.
8 years ago
PJ Brooklyn, NY
Oscar has paid per the terms of my insurance for some visits/procedures, but for others, refuses to pay for ridiculous reasons. With regard to one specialist, I checked the Oscar website before my visit to make sure she was listed as in-network, and her receptionist confirmed that she was in network at the time of my visit. Oscar then denied the claim, saying that the provider was out of network. I pointed the customer service rep to their website, and they eventually admitted that the provider was, in fact, in-network and the claim was covered. Now, more than three months after the visit, they are now claiming that, while the provider is in-network now, she wasn't at the time of the visit, even though their website plainly listed her as a provider at the time.
With regard to the other specialist, an ophthalmologist, I also checked to make sure the provider was in-network before my visit. Oscar, however, denied coverage for the eye exam performed by the doctor on the grounds that eye exams are not covered by their policy, although this is nowhere stated in their policy. I have appealed this decision, but I have no doubt that Oscar will continue to deny coverage for whatever reason they can make up.
8 years ago
Review Source
Daniela Miller
Oscar has met all of my insurance needs :)
2 months ago
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.
8 months 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.
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
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.
1 year 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.
1 year ago
Georgia Lee Lincoln, NE
This is the worst insurance co I’ve ever had and it’s only been in effect for one day. They lied on the marketplace and said my doctor was in there network but when I showed up for my doctor appt they told me they don’t take Oscar. Now I have to find another doctor and I’m stuck with this pathetic co. I have filed a complaint with my state and the marketplace and I’m leaving reviews when I can. Don’t sign up with this company you will never be able to understand the person on the phone if you can even get through to someone. The customers are being mislead into signing up with this company and that is illegal. If I lied to an insurance co I would be charge with felony fraud! I will never even consider an Oscar policy for the rest of my life and I can’t wait u til they go out of business. I give them a year and they’ll be closed. Pathetic company they should be shamed of themselves.
1 year ago
karole crawford Atlanta, GA
i have recently signed up with Oscar because of Bidens big campaign f helping Americans. Once I looked overmy documents I have 5200 deductable and pays partial of most after deductable. Now how many Americans is this helping? Low income familys spending 5200 in next two months before the year starts over? So Oscar is recieving Government funding for every American who went for the 1000s of Ads stating Bidens givung 1400 a month to you and click on the Ad to find its health insurance which is great this year couldnt afford it. I also cant afford 5200 in nextctwo months ti recieve meducal. I visited ER room sunday for major issues in head , neck and shoulder. I am referred to specialist but everyone I call seems to shy away when I say im with Oscar insurance. They all the sudden are not taking patients til Jan. I feel they have recievedmillions from Government for providing insurance to low income making it impossibpe for any claims to be paid by them. Ive never seen a policy so ridiculous as this one I recieved. I do not have insurance . They apparently do not have great standing eith Hospitals and Doctors who are on their list . Hopefully I can find a Doctor to take me as the pain im in is unbearable and im bedridden because of it. I suggest to all deny the Obama free gift of insurance if they give you Oscar. I heard it was the Ad i chose to hit selling Oscar . I know other people got reputable insurance carriers. I just chose wrong ad!
1 year 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.
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.
Nov. 9th, 2023
F R Downers Grove, IL
TOTALLY UNRESPONSIVE TO MY PAYMENT ISSUES, THEIR AUTO PAY DOESN'T WORK, I GOT A PAYMENT NOTIFICATION AND A REFUND AT THE SAME TIME. I SET UP MY BANK AUTOPAY THAT WORKED FOR 2 MONTHS THEN THEY COULDN'T FIND MY PAYMENTS. Their Android app can't open their own receipt files they send me. WTF?!
Added 9/6/23
I just received an auto generated email stating that I turned off my auto pay. This is the system that charged me a payment and credited me at the same time back in February. It was shut off at that time. I have had at least 7 different reps in my account in the last 2 weeks and now I get this stupid response.
A company that is not interested in it's customers issues directly related to itself is in a downward spiral and will soon be turning off the lights permanently. (If anyone there can figure out where the light switch is located!)
TOTALLY UNPROFESSIONAL UNRESPONSIVE (WE HAVE NO ONE ABOVE SUPERVISOR THAT IS CUSTOMER FACING!)
1 year ago Edited September 11, 2023
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.
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.
Nov. 9th, 2023
Meolili Overland Park, KS
The first year with them was a breeze. I had no issues. Then this year nothing but issues. They lowered the monthly premium and raised all the deductibles across the board. Now it's $500 to go to the ER. So I will literally stay home when I'm having issues. They denied my surgery AFTER I had it and they agreed it was medically necessary to the some of $26k. Now the capper is that I've just been diagnosed with Type 2 diabetes and I have insulin resistant PCOS. They denied all the meds and all the appeals. So now I get to actually get sick instead of getting the meds to head all this off at the pass. The last 6 months have been overwhelming and mentally draining. This is good and truly my last year with them. I honestly think they have a life insurance policy out on me at this point.
1 year 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.
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.
Aug. 17th, 2023
Paul Sawyer Phoenix, AZ
The WORST Health Insurance company I have ever been with. in all cases of claims and prior approvals and not counting who actually takes this insurance OSCAR has shown to me that they do not know how to manage the care of its members. One hand does not know what the other hand is doing. In two different cases with different doctors and medical facilities OSCAR claimed they never recived any paperwork from either on every single step of the process. EVERY person I dealt with from each Physician's office had the same issue. I take this as OSCAR's attempt to create a log jamb to delay claims and payouts. In fact, OSCAR Approved a venue for surgery and then later after the surgery refused to pay for it stating they never approved it causing a 6 month delay in recieving a $6,000 refund for a deposit I had to make to get the surgery.
As a consumer and as a patient I would sugget that we the people of the united states of america stop the decline of our institutions and healthcare syatem by not relying on our leaders (poor choice of words) in congressto do something about it.
We must gather together and PROTEST companies like this whose only goals are dollars over lives.
1 year ago
Reply from Oscar
Hi Paul, 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.
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. 25th, 2023
J stolz Chicago, IL
The app is nice and is very straightforward in usability. However. The reason it is simple is because the network is extremely limited. I was hoping the virtual healthcare feature would save me, but most care they wouldn't touch without an in person visit. ADDITIONALLY , even though my plan covered virtual care completely, they still are trying to charge me for the provider that reached out to me via their virtual care app, claiming it to be out of network. A real mess. And yet another reason to have socialized medicine.
1 year ago
tyra b Columbus, OH
I absolutely recommend! My experience has been amazing! The payment monthly is a steal for the benefits I receive! Thank you oscar for being my first and best insurance!
1 year ago
Ramona Jones Ashland City, TN
First time I’ve had Oscar and won’t ever again. They give you a database in which to choose in network providers. No problem. I pick one, make an appointment, get seen and then Oscar won’t lay because it’s out of network. Or the facility is out of network even though that’s where the doctor, who IS in network sees patients? I have NEVER had to check not just the doctor. But now also his facility? Who k it’s to do that? If you show them on your list from which to choose why wouldn’t you also show which facilities are in network with the doctor? Don’t bother telling me to send an email to reviews. I already did that to file a grievance and guess what? They found in THEIR favor, big shock. Can’t wait for open enrollment.
1 year ago
fasbmaster Miami, FL
This is my 3rd year with Oscar. They USED to be good, but now they have become GARBAGE, just plain horrible. My first year with them I had no issues with coverage and it was very simple to find out cost or cost estimate beforehand. NOW, it's a nightmare. I went back and forth for days trying to get an estimate for physical therapy. Never got the estimate. Had to end up cancelling the physical therapy for fear of how much it might cost. My guess is that is exactly Oscar's goal - to have patients just give up and throw in the towel, that way they won't have to actually cover ANY healthcare! Just tried to get a cost estimate for blood work, another nightmare. It used to be that as long as you went to Quest, it was $50. Now Quest wants you to pay upfront, probably because of problems getting payment from Oscar. Also, several of my doctors have stopped taking Oscar as well. Another sign of how terrible this company is. I'm changing as soon as I can. Going back to Blue Cross or someone else.
1 year 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.
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.
Apr. 17th, 2023
Karen H Feltham, HNS
Run, don’t walk away from this company. I had them in 2022 and they constantly denied claims for preventive care. I had a colonoscopy over a year ago. For months afterward they said I owed over $20k. Then the balance cleared after I called and called and called and called…
This morning I got a message saying I have a claim and lo and behold they are saying I owe $800. If this wasn’t so serious it would be laughable.
Let’s not forget the breast ultrasound they tired to deny too. To the tune of $9600. Their record shows I saw a doctor who I have never even heard of…he is also an oncologist (I looked him up) and, as I don’t have cancer, it’s not likely I saw him. $9600 for a breast ultrasound. On one breast. Yep, the phone calls started again. One after another after another. I kept meticulous notes on who I spoke to and what was said. I even got written confirmation that the ultrasound was covered at $0 cost. I have screen shots of that too.
So now, here I am at square one, fighting them over an $800 bill that simply isn’t mine. They do this to wear their customers down. I will fight them, because they are wrong.
They have a contract with Capital Health who told me that Oscar are known for denying claims. They do it all the time! It’s terrible, because many people will just pay these bogus bills not realizing they shouldn’t. Oscar are the worst kind of company. Oh, and don’t believe the hype about you having a care team…I don’t believe I spoke to the same person twice, although they were all professional and courteous. Oh, and I never once received a call back although I was promised one multiple times.
Oscar is a sham. Never again!
2 years ago
Reply from Oscar
Hi Karen, 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. 23rd, 2023
Jenn B Leander, TX
Oscar loves to deny claims as "not medically necessary". 2 so far this year for me, BOTH of which are absolutely medically necessary. On one of the peer to peer calls with my doctor, the representative actually told my doctor that they have been dealing with a lot of claims after the fact from surgery complications, so they are pretty much denying all claims for this particular procedure unless it's life threatening. Another claim for injections in my knee was denied in part because I haven't "tried and failed a weight loss program". What?? My weight was not even reported to them and is definitely not the issue with my knee. I am an Ironman triathlete and the injury I have was caused by past injuries and overuse. Another reason listed on the denial was that I had not tried oral medication to relieve the pain, such as acetaminophen or ibuprofen. Really? You think I haven't taken Tylenol or Advil for pain I've been having for years? No one even asked this question. How could they possibly know that?
We have had Oscar for several years and as long as you are quiet, pay your bill, and rarely go to the doctor, they are fine. As soon as you actually need the insurance though, they will fight every step of the way to not pay. We will not be renewing our policy with them. Buyer beware with Oscar!
2 years ago
Reply from Oscar
Hi Jenn, 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
Hair Addiction Lake Worth, FL
Said Tallahassee visit because I've a huge scientist infection can't turn my neck ear as pounding head is pounding I know this feeling I've had it before period 1st nurse said it could be a pulled neck she won't prescribe an antibiotic? So decided to take a 4 hour nap and when I woke up I felt worse covid test is negative. Got another representative on the phone who told me to hop in a cab to get to a doctor tomorrow I don't need to talk to someone over the phone if they're not allowed to prescribe medications. I could have very easily talked to a friend on the phone. Obviously if I could have gone to the doctor today I would have isn't that the reason for telehealth? Ridiculous
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.
Mar. 14th, 2023
Joe Rossi Fort Lauderdale, FL
Oscar is literally the worst health insurance company I've ever had.
Not only did they not cover my claim for an emergency ambulance ride, they lied and said they were covering a portion of it. Not one but SIX DIFFERENT PEOPLE there lied to me on their chat stating they were going to pay some or all of this bill. Then, a full year and four months after the service they deleted my claim and created a NEW CLAIM just so they could deny that one. Of course my appeal was denied. Very shady and useless company, will never use them or any affiliates of theirs ever again. Scammers and thieves, that's Oscar.
2 years ago
Reply from Oscar
Hi Joe, 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.
Jan. 3rd, 2023
Steveinla North Hills, CA
A year later and STILL having issues with a claim!
I originally complained and fought and whined - and FINALLY Oscar acknowledged and corrected a claim... kinda.
They STILL owe money but refuse to pay it. It's a (relatively small) amount that was originally paid out of pocket to the hospital and later discovered that it shouldn't have been. Oscar was very pro-customer; we were a real team as we tried to get the money from the hospital - but the moment the bill became Oscar's responsibility - suddenly the charge was "not covered by your policy" Sorry. You're out of luck. Denied.
This is all for a routine (first) colonoscopy screening - According to ACA LAW there is supposed to be NO CHARGE And yet, they claim that certain things like: (Procedure code: 80053) (Procedure code: 85025) - Comprehensive metabolic panel, Platelet count - aren't covered with my plan. These weren't items I 'checked off in boxes' marked as "optional add-ons for your colonoscopy".
They advertise that "colonoscopies don't have to be scary" yet these are the exact scenarios that frighten many people from getting screened - and potentially dying.
Bottom line - looks like the next step is a formal complaint to the California Insurance Commissioner. Wish that could be avoided.
2 years ago Edited November 9, 2023
Reply from Oscar
Hi, 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
FKent Philadelphia, PA
This company is a rip off. My son tried to book an appointment with our PPO and , even though our PPO is on their provider list, she has NEVER accepted Oscar. He couldn't book an appointment with any of their PPO's; half of them didn't accept the insurance, never accepted their insurance, were dead or stopped their practice. Any of their PPO's that were accepting their insurane were not accepting new patients or were at least 20+ miles from our house. My son is trying to stop his Auto-pay because he signed with FLBLue for 2023. It is doubtful they will respond in a timely fashion. So, I'm going to call my bank and have them block their charge.
2 years ago
Reply from Oscar
Hi, 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. 19th, 2022
Zachary Hamilton New York, NY
I was driving across country from CA to NY when I had to stop in Amarillo TX, where I know no one, to go to the emergency room because my appendix was about to burst. I was in excruciating pain and it was 2am so I went to the nearest emergency room where I had an emergency appendectomy. Oscar made me pay the entirety of the $25k bill because I was out of network. Because I was out of network!! What was I supposed to do??? This has caused immeasurable financial distress for our family. You always hear about how awful insurance companies are, but I never took it that seriously. Oscar is awful. I don’t know how their people look themselves in the mirror. They took my money for years when I needed nothing but as soon as I actually needed help, they did backflips to deny me even a penny. Despicable
2 years ago
Reply from Oscar
Hi Zachary, 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. 19th, 2022
Alexander Gorokhovsky Longview, TX
Oscar Insurance is a scam. No PCP or Specialists are available in my area (I live in North Texas). They don't pay providers according to the plan. We have two first non-preventive specialist visit fees of $50. On multiple occasions, we had to pay $125 fees (normally for visits after the second visit). Examples are visits to a Dermatologist and a Cardiologist. We could not find any PCP in a radius of 100 miles who accepts the plan, so no yearly exams, tests, etc. I developed a condition but because no PCP around I'll have to wait until next year to check it. My son fractured his nose and an urgent care doctor concluded that he can't return to school without seeing an ENT doctor. Our area has no contracted ENTs by Oscars so we end up paying $250 cash for a consult. Don't wait for reimbursement! Customer support is awful. Online, you have to wait for 7-10 days for a reply. Those replies are useless. They would send you a list of doctors but that list is just as fake as this company is. Phone support didn't even know who ENT or otolaryngologists are. New words for them. Again, Oscar Insurance is a scam.
2 years ago
Reply from Oscar
Hi Alexander, 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. 19th, 2022
David Haas Orlando, FL
Oscar is your one-stop-shop for everything that can possibly be frustrating about an insurance company:
1. Impossible to look up what providers are in/out of network? Check.
2. Customer service reps who can't speak intelligible English? Check.
3. Claims department that deliberately and for no reason keeps large claims in the "processing" queue so your out of pocket never gets applied to your deductible? Check.
4. Changing policy benefits mid-year? Check (Virtual visits were advertised as being free. They now cost $38.)
5. Automatically sign you up for auto-renewal of your policy without checking with you? Check.
5a. Website portal with no access to change Auto-renewal status? Check
6. Incompetent online chat help? Check
7. Inaccurate confirmation of in-network status, then charging you out of pocket because it's not actually in-network? Check.
Do NOT UNDER ANY CIRCUMSTANCES sign up for Oscar health insurance!
2 years ago
Reply from Oscar
Hi David, 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. 19th, 2022
Irina Sidorova Denver, CO
Please do not get OSCAR HEALTH under any circumstances. They are frauds, out of the whole state of Colorado they gave me a list of 5 OBGYN that I can go. 5, Carl!
I have called all of them and waiting period is 2 to 6 months. Oh I forgot to mention that all of them more than 20 miles away from me.
Oh well, I didn’t know what I was signing for and it was two months left till I can change my insurance.
I called all 5 places AND NONE OF THEM WORKS WITH OSCAR! So they are liars!
I got back to them and they told me oh provide TIN and I did! And they happily said - yes, we do work with that place. I also called that placed and they have confirmed that they work with Oscar. (Please keep in mind it all took me about 2 weeks to figure out because of how their stuff is simply army of bots and instead of answering question they just copy paste same answers).
So I went to the doctor, did my procedure and month later I have looked and claims just to figure out their were all denied!
ALL OF THEM!
So I warn you - not only they don’t have doctors they work with, they also liars and frauds.
2 years ago
Reply from Oscar
Hi Irina, we are sorry to hear that you are frustrated and our team would like to learn more about what may have occurred. Please check your inbox for a followup message.
Nov. 7th, 2022
JD Kansas City, MO
I have had my multi-state insurance license for years and have never had a more unprofessional experience than Oscar insurance. Out of country customer service hung up on me four times. They refuse to let me speak with their manager.
During the cancellation process they try to sell you everything from timeshares to bargains that they found on the internet. I've honestly never seen anything like it. After asking to verify our credit card in order to cancel, they fraudulently signed us up for additional coverage that we did not order and had to cancel it. When the fraudulent program arrived in the mail it was the wrong spelling of my wife's name and the wrong email and contact info. Absolutely the worst company I've ever dealt with in the last year.
I can't even imagine what kind of nightmare would await us if we actually made any kind of claims.
I will be complaining to the state insurance commissioner's office.
We were on the phone for an hour and a half October 18th and again on the phone today, the 26th. We were again refused the opportunity to speak with a manager.
2 years ago
Reply from Oscar
Hi JD, we are sorry to hear that you are frustrated and our team would like to learn more about what may have occurred. Please check your inbox for a followup message.
Oct. 27th, 2022
Pete Columbus, OH
There are so many issues with Oscar it would be too many to mention here. I will just mention on ONE subject to which this applies to SEVERAL patients. I will say that when an insurance company denies paying on claims because they do not receive medical records in a "timely manner", you have to call to find out the time frame for what "timely manner" means to them. How vague is that? How about making things like that clear and easily accessible on your website? How about on your EOB's instead of saying "records not received in "timely manner", it actually says not received within 30 days, or 60 days or whatever the time frame is? Then when you do prove that records are submitted within their time frame, they still deny and change the claim number each time you contact them, and many times the reps can't see the previous claim numbers and their website does not either. This causes a lot of confusion with the reps & providers. Now going back to Oscar wanting medical records & wanting them in a "timely manner", how about sending the request for records within a good time frame to respond? Sometimes we receive a letter for records, but it is already past the "timely manner" set by Oscar to send them. Other times we don't even receive a letter at all. Another point that delays everything is how about getting the correct provider address updated with Oscar? How many times do we have to send a W-9? Is once or twice too much? 10 times? 20 times? How many times does it take? I think every claim for the last 1 1/2 years has been denied saying our providers is out of network. We have to work with that, then the medical records issue comes in. You what it is called when a person or company deliberately not pays for services? That called a criminal act. If I went to a doctor and had services done and refused to pay, that is stealing. Oscar needs to work on a lot of things, this is one of many that appears that they have no intention of fixing. Zero stars is not an option, but it should be.
2 years ago
Reply from Oscar
Hi Pete, we are sorry to hear that you are frustrated and our team would like to learn more about what may have occurred. Please check your inbox for a followup message.
Oct. 27th, 2022
Stephanie Frias Nashville, TN
I have to use Obamacare for health insurance since my employer does not offer healthcare insurance. I was previously using Molina but switched to Oscar because they have a good app and their website is user friendly. Molina does not have a friendly user website but I never had any sort of issues of them paying my claims. I recently had a very dissatisfying experience with Oscar. I recently went for my annual pap smear/physical with an IN network Dr. (I checked multiple times). Because the Dr. used a facility to send the results to be examined was OUT of network, Oscar denied the claim. I was under the impression that as long as we were seen by an in network provider/Dr. we would be okay but turns out now we have to verify that the facility the Dr. uses is IN network or else we have to be responsible for the bill. How am I supposed to know which facility my in network Dr. uses? It's silly that we even have to ask prior to completing a procedure which facility our Dr. uses just so our insurance can pay for it. I mean what's next? Our nurse wasn't in network so now Oscar won't pay? Honestly, yes the APP and the website IS user friendly but at what cost? I would rather have a malfunctioning website but my claims covered. Also, when I try to book a primary care visit on the app, the Doctors and RN never have availability and that's been that way for over a month so I'm not sure the virtual care system even works. I will not be renewing my insurance with Oscar. I will go back to Molina or another provider as I have never had any issues before until I signed up with Oscar.
2 years ago
Reply from Oscar
Hi Stephanie, we are sorry to hear that you are frustrated and our team would like to learn more about what may have occurred. Please check your inbox for a followup message.
Oct. 25th, 2022
Jake Kantor San Antonio, TX
Something went wrong with Oscar. From great to terrible in just a few years. Used to be you'd call and get smart, knowledgable people on the line. Now you call and get incompetent reps in a call center in the Philippines that have no idea how anything works, can't speak english very well and don't take their duty of care very seriously. Also, their find-a-doctor website portal is horribly out of date, and presents data that's just plain wrong. This makes finding a doctor arduous and stressful.
This wasn't the case when I signed up five years ago. They really were a different kind of company. I felt protected and empowered with them. Now they've fallen to the bottom. It's possible all insurance companies behave this way... I have no way of knowing. All I can say is that Oscar has turned into a chaotic mess.
2 years ago
Reply from Oscar
Hi Jake, we are sorry to hear that you are frustrated and our team would like to learn more about what may have occurred. Please check your inbox for a followup message.
Oct. 19th, 2022
Beth Moothart Ormond Beach, FL
Do NOT go with Oscar Insurance! Billing is horrible and "customer service" even worse!! Routine bloodwork that I had done in February 2022 Still NOT paid October 2022 - and it is basic that should be covered. Quest has sent me to collections and ruining my credit. I refuse to pay for what should be covered - and not have my credit destroyed. Then they deny authorization for a Hysterectomy that 2 physicians said was medically necessary. Oscar does not have active physicians who know anything about a patients history - nor do they want to know. Flat out denial with "should have tried other alternatives" - No alternatives even given. Will be taking this to the state insurance commissioner's office - completely unacceptable. To top it off when I called to file an appeal was told that "there was no record of me or my physician even requesting approval for the surgery". Complete BS and would not transfer me to a supervisor.
Stay AWAY from Oscar - they should not be in business any longer!!
2 years ago
Reply from Oscar
Hi Beth, we are sorry to hear that you are frustrated and our team would like to learn more about what may have occurred. Please check your inbox for a followup message.
Oct. 18th, 2022
Bonnie Visnius Round Rock, TX
Their billing department is extremely bad in keeping accurate records hence why the invoices are never accurate and never get paid. Sometimes they tell you that something is covered prior to your visit, then change their mind leaving you with a huge bill. Other times, they refuse to update their records so they can tell you that you "have not met the deductible" which still leaves you paying a large bill. I am told that I met my deductible of $4,500 already but they refuse to look into my account as to why I am getting a $500 bill from the hospital. You are lucky if you even get someone who understands enough english to understand your issue as well. Sometimes I can literally hear a rooster crowing in the background of my calls to representatives. Take your shot with another company and do NOT use OSCAR.
2 years ago
Reply from Oscar
Hi Bonnie, we are sorry to hear that you are frustrated and our team would like to learn more about what may have occurred. Please check your inbox for a followup message.
Oct. 17th, 2022
Yash B patel Fairburn, GA
Oscar is one of the worst insurance comp out there. I strogly recamend not to buy coverage from Oscar because their customer care have no basic knowledge of what is call "CUSTOMER CARE". This is the only compeney in the market will denied payment to provider after given prior authorizathin, wait the best part is thier copay changes after you paid your copay at the time of the service , they are very fast to collect monthly premium
if you really love your self and your family DO NOT BUY OSCAR insurance even if you have to pay few dollars more for better insurance comps outh there
funny when you provide the review they ask you queation down below
" DID YOU RECIVE A SPECITINVITAION FROM OSCAR TO LEAVE THIS REVIEW?
2 years ago
Reply from Oscar
Hi Yash, we are sorry to hear that you are frustrated and our team would like to learn more about what may have occurred. Please check your inbox for a followup message.
Oct. 13th, 2022
Nicholas Yepes
I am horribly upset with the service I got from Oscar. I signed up in August for coverage starting in September. After paying my first couple months of premiums, I got a welcome kit in the mail and thought everything was good. A few weeks later, in October, I received a notification from my bank that my premiums were refunded. I tried to log into my Oscar account and got a message that I was no longer a member. They gave me no explanation. I then spent two hours on the phone and on online chats with customer service. The customer service reps did not seem like they cared much about helping. I am particularly upset because this situation left me without coverage unexpectedly after I paid my premiums and provided documentation to them. They wasted my time and then put me in an uncomfortable situation. Avoid Oscar.
2 years ago
Reply from Oscar
Hi Nicholas, we are sorry to hear that you are frustrated and our team would like to learn more about what may have occurred. Please check your inbox for a followup message.
Oct. 6th, 2022
Ken Newberry, FL
I was told ALL my medications were covered by Oscar just to find out i needed prior authorization for almost all of them just for Oscar to say no to the prior authorization for medications I have been taking for years. I was also told I would not have to switch pharmacies and that was also a lie, Oscar only works with one pharmacy CVS which i didn't use and CVS won't fill one of my medications. Went to get my COVID19 booster from Walgreens because CVS didn't have it and also wanted my flu shot Oscar paid for the COVID shot but would not pay for the flu shot because it was Walgreens so now I have to make a appointment at CVS to get my flu shot. Also the doctors Oscar shows on their list of approved doctors when you call the doctors they say they don't accept Oscar and not only that the closest doctors to me are several hours away. Can't even go to my local hospital UF because Oscar doesn't work with them. Also had to stop going to my heart doctor because he is at UF health. I definitely will be switching away from Oscar in fact the company I have to go through to get health insurance is already working with me on getting away from Oscar and getting a new health insurance company was on the phone with them yesterday.
2 years ago
Reply from Oscar
Hi Ken, we are sorry to hear that you are frustrated and our team would like to learn more about what may have occurred. Please check your inbox for a followup message.
Oct. 3rd, 2022
Cathy Dore Los Angeles, CA
I would give no stars. I was diagnosed with breast cancer 7/28. Referred to a doctor. 8/3 they approved and confirmed coverage for doctor and hospital. Had the consultation and Scheduled surgery 8/10. On 8/11 was called and told it was mistake they should not have approved coverage. Have been in a health insurance nightmare with them since. Calling, on hold, attempting to communicate via their portal. They have been incompetent and negligent. I still have no doctor, no hospital and no surgery. They don’t return calls. They don’t help. I have paid $650-750 monthly for years and now they have made a mess and induced high stress. What is supposed to be a lumpectomy may be. Mastectomy by the time they approve a doctor for me to see. And it was their mistake to begin with! It is outrageous. I’m now seeking legal counsel on what to do.
2 years ago
Reply from Oscar
Hi Cathy, we are sorry to hear that you are frustrated and our team would like to learn more about what may have occurred. Please check your inbox for a followup message.
Aug. 17th, 2022
Colby S Brooklyn, NY
Oscar is already overcharging me for insurance, it's outrageous that they might raise my premium further. They have failed me in several ways.
- I cannot get regular STD swabs done which are a standard part of care for people taking PrEP. I cannot do this because they no longer have a physical location, which prevents them from collecting or disbursing swabs. Additionally, when I went to see their partner (Quest Diagnostics), I was told that the swabs I did have were not covered.
- I then had to seek care outside of Quest, so I went to an urgent care for help getting swabbed, I was charged $75. I should not have to seek out-of-network care because my provider is not doing its job!
- I was prescribed ADD medication by my in-network psychiatrist, yet Oscar cannot cover my ADD medication because they're fully remote and they can't cover controlled substances.
- The website is difficult to navigate and in order to send my PCP a message, I need to request an appointment. This leads to a delay in care. Whether it's me seeking help with mental health, dealing with a rough COVID infection, or a cold, I often have to wait a few extra days to get a response. This leads to me simply forgoing care. For example, when I had covid a month ago I just took care of myself at home.
Oscar is already overpriced, its online services are slow and difficult to use, and its lack of a physical presence hinders its ability to provide proper care. The idea that they might be trying to raise my premium 20.32% is ridiculous. If anything, they should be lowering it.
2 years ago
Reply from Oscar
Hi Colby, we are sorry to hear that you are frustrated and our team would like to learn more about what may have occurred. Please check your inbox for a followup message.
Aug. 10th, 2022
Tom Winter Park, FL
Oscar is the absolute worse health insurance coverage I have ever had. The deductibles and out-of-pocket are high. God help you if you ever have to use the policy -- it only covers 40% of surgery-related costs AFTER meeting $7,000 out-of-pocket costs. This is to say that I pay $18,000 in premiums, yet my wife's knee surgery will cost my family a minimum $8000 out of our pocket, and we have already spent $7000 out-of-pocket. So, that's $33,000 in medical costs this year. Some plan. Why do I even have health insurance?
Never again will I use Oscar. Oscar seems like a scam. Sure, the premiums are lower, but the coverages make it exceedingly more expensive if you ever need it.
And this is to say nothing of the sparse network of care. God help you if you have a problem out-of-network (unless you are a couch potato), you are very likely to have an issue out-of-network. I had an emergency skiing incident in Utah for which I had to be assisted off the mountain by ski patrol to the base clinic. Oscar would not cover it, and claimed it was not an emergency, so I had to pay in full out-of-pocket. So far, it has taken me 5 months to get them to agree that it was an emergency. Still, they insist on reimbursing the clinic, that I paid in full, rather than me, their customer.
So, in summary, any savings in premiums quickly go up in smoke if you ever have to actually use the $18,000 plan coverage. As far as their customer service, I do not understand why they get high reviews for customer service -- customer service seems only designed to find a way to tell you "no" quickly. Stay away from Oscar.
2 years ago
Reply from Oscar
Hi Tom, we are sorry to hear that you are frustrated and our team would like to learn more about what may have occurred. Please check your inbox for a followup message.
Aug. 10th, 2022
Ketchfraze Westerville, OH
The only thing Oscar has to do with insurance is that it has the word 'insurance' in the name. Before we got married, my wife paid $80 per month to have insurance that didn't even cover basic doctor visits. She had one visit with a family doctor and was charged $300 because they only covered 'non-diagnostic' visits. This means that if the doctor asks you "Do you have any problems at all?" and you answer yes to anything, be it aches and pains, a cold/flu, or literally any other symptom, this will then not be covered. This is totally pointless and a scam. For comparison, the insurance I get through my job is $100 per month and I pay only a $25 co-pay, regardless of the type of visit. Please consider other options and do not buy into this company's lies.
2 years ago
Reply from Oscar
Ketchfraze, we are sorry to hear that you are frustrated and our team would like to learn more about what may have occurred. Please check your inbox for a followup message.
Jul. 26th, 2022
