Oscar
4.1
7.2
Overall Score
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max maxwell smart Miami, FL
This is without a doubt the WORST insurance EVER. If you are considering this company, consider this first.
I chose this provider because my doctor was listed as a member doctor on this network...wrong . His office informed me that while they had signed up with Oscar they could not book an appointment using Oscar insurance. Oscar is new to Fl so I could overlook this for a month or so.
It is now Feb, nothing has changed. I tried to book a specialist using Oscar. Same issue. I called Oscar and the customer service Rep said she would contact the Doctors I had spoken with and call me back. 3 weeks later I am still waiting. I sent Oscar an email. I received a reply 2weeks later saying HOORAY! We found you a Dr .!
The doctor they found is 11/2 hours away.
I guess I will just wait until open enrollment again to resume my doctor visits and hope I have no health issues between now and then.
5 years ago
Reply from Oscar
Hi Max, we are sorry to hear this. We would like to connect you with one of our help specialists for further assistance. Please check your direct messages as we have followed up with more information.
Feb. 13th, 2020
Josh Austin, TX
Where do I start? I recently moved to Austin and needed individual coverage for 2020 since I'm not covered by a group plan. Unfortunately, due to the way the insurance industry has evolved, my only reasonable options were a Blue Cross Blue Shield HMO or Oscar EPO. I wavered for a while during open enrollment but eventually decided to go with Oscar because of my severe dislike of HMOs. I like choice and hate having to get referrals and deal with HMOs. I thought I was choosing the lesser of two evils...shortly after the year began is when buyer's remorse began to set in.
I've been extremely dissatisfied with Oscar thus far for a couple of reasons. Yes they have the fancy app, the concierge service, the free doctor on call, etc. It's all nice and ultimately a plethora of technology and cosmetics designed to cover up the harsh reality that is Oscar. What I discovered shortly after the year began is that people (as in Doctors, hospitals, specialists, etc) have no freakin' clue who Oscar is. Their network is painfully thin and many of the doctors and practices that take Oscar aren't even aware of it.
I must have called four different doctors, who according to Oscar are in network, who hadn't even heard of Oscar. I was unable to make appointments at this doctors because they couldn't verify if they even accepted Oscar insurance. This was just for primary care doctors. I can't even begin to imagine how bad it is for specialists. Bottom line, Oscar has done a horrible job of connecting with its network of doctors to establish coverage and promote awareness. Unfortunately, the concierge service is awful. They usually take 2-3 days to return messages, and replies are typically vague, generic and unhelpful with lots of empty apologies but rarely any solution to the problems. I found the concierge to be highly bureaucratic as they have very little power to dig deep on issues. Everyone I corresponded with or spoke to attempted to pass the buck and failed to take ownership.
In summary, Oscar is like a beautiful Mercedes with all the bells and whistles but no engine. You can't drive a car without an engine and all the fancy technology and features offered by Oscar are useless without a robust network of doctors, in addition to awareness of who Oscar is on the part of those doctors. This company is newer but not brand new and there are clearly some operational issues regarding how they communicate with their partners and build and maintain brand awareness.
I deeply regret signing up with Oscar and can't wait until either open enrollment or a qualifying event at which time I will drop coverage for good. If your medical needs are superficial, you go to the doctor or get sick once a year, then perhaps Oscar would be appropriate for you. Otherwise, I would caution anyone with moderate health issues to stay away. Again, their network is razor thin and the few decent practices who do take Oscar have a poor or otherwise non-existent awareness that relationship even exists. Caveat emptor...Buyer beware.
5 years ago
Reply from Oscar
Hi Josh, we want to apologize for the frustration this has caused. We would like to help by connecting you with one of our help experts. Please check your direct messages as we have followed up with more information.
Feb. 7th, 2020
Lily L Belton, MO
I signed up through the ACA. I believed the hype and the $0 deductible was attractive. However, co-pays are so high that I can't really afford to use the plan after I pay the monthly premium. Also, there are very few choices and most of them are at least 20-25 minutes away. Despite the fact that they said they were servicing Missouri, I couldn't use some features of my plan for the first month, even though I paid full price for my premium. Your "personal concierge" team is a joke since they take 24 hours to answer a question, so if it is something urgent, you're out of luck. Today was the last straw. I wanted to get tested for the flu. I called the only urgent care clinic in network (a 48 minute round trip) in hopes that it would save me money. They didn't disclose copays for urgent care when I signed up and I was hoping it would be like a copay for a doctor visit ($50). I was quoted a "flat fee" of $170 for my $0 deductible plan. The clinic down the street from me charges $160 out of pocket for the same service. I pay almost $300/mo in premiums (and it is subsidized!) and if I want to see anyone today, I'll likely drive fifteen minutes into the city to the free/low cost clinic. If I hadn't paid my premium this month, I'd have the cash to go to the urgent care clinic near me. Finally, even though they advertise a $50 deductible for PCP visits, all of the in network doctors listed on the website have average visit costs of $87-$104. Chiropractors (which I have paid out of pocket $35-50), are $90-100 per visit. This plan is a joke and a waste of money. You'll never get a thing out of it. So sorry I didn't stick with my high deductible plan from Cigna- at least I got better discounts.
5 years ago
Reply from Oscar
Hi Lily, we are sorry to hear this. We wanted to confirm that we have followed up with you over direct message in order to investigate this issue further. We'll be happy to have someone from our team get in touch with you.
Feb. 7th, 2020
Laurel Vail North Hollywood, CA
Covered CA messed up when I tried signing up and the Oscar team was very helpful and patient in the multiple phone calls needed to get my application processed. The reps were very friendly and helpful.
5 years ago
Karen
I've used them for the past two years and I love the mobile interface and the 24/7 doctor on call feature. It's so easy to access all my insurance and claim information.
5 years ago Edited September 14, 2021
Rose Columbus, OH
I just switched over to Oscar this month. I really like their interface and they have been very responsive and easy to get in touch with. HOWEVER, I have a 2 year old daughter, and am 16 weeks pregnant with my second. I have been trying to find an in network pediatrician in my area and have only come up with a list of pediatric dermatologists and mental healthcare specialists (both through my own online search and their concierge team) Where do people who have this insurance in the Columbus area send their kids to the doctor!?!?! I am very upset with this huge hole in their network and will likely have to switch insurance so I can get my kids proper medical care.
5 years ago
Reply from Oscar
Hi Rose, we appreciate this feedback and we'd like to help you out. DM us your Oscar ID number and we'd be happy to have someone from our team get in touch to help find a provider that meets your family's needs.
Nov. 4th, 2019
Nathan Los Angeles, CA
The overall experience with Oscar is great. Good website and app, generally forward thinking features. My only complaint is that there is a very limited selection of doctors in their network.
5 years ago
Pam Rodriguez Los Angeles, CA
oscar has been great for my healthcare coverage. the app is very easy to use and you can schedule everything straight from it. there are very good choices for doctors.
5 years ago
LeanderLil Cedar Park, TX
It is what it is - they do what what they say they'll do.
Easy to find doctors and hospitals then read reviews too. Only drawback is using Quest Labs vs. doing Labs at the doctor's office.
5 years ago
Tatiana Firsova Los Angeles, CA
Solid price/ratio offer on the market. Good network coverage, responsive customer support (concierges specifically). Modern-looking app and a nice perk of being rewarded for a daily steps goal.
5 years ago
Melanie Sag Harbor, NY
Love the customer service and the App! Would have given 5 Stars if the coverage on the East End would be better. Most doctors don't accept Oscar and nearest hospital is about 1 hour and 10 minutes away.
5 years ago Edited September 14, 2021
Richard S Mission Viejo, CA
The first time I've used an on call doctor was with Oscar. It made my question very quick and easy. Great idea. I was able to go to a pharmacy right away with OTC products.
5 years ago
Sean Lorre South Orange, NJ
I've been very pleased with the customer service (concierge team). They always do as much as they can to solve my issues. If they had a more robust provider directory, I would be completely satisfied.
5 years ago
katie10837948 Brooklyn, NY
Oscar has great customer service. I love the doctor on call feature, it makes it really easy to ask a question when my schedule doesn't allow me to go to the doctor unless I absolutely NEED to.
5 years ago
chris Michaud Brooklyn, NY
Generally responsive to concerns, unfailingly polite and reassuring in style of customer service, like Trader Joes in a way. Coverage away/outside of NY area severely lacking and makes it pale compared with larger competitors like EBC/BS
5 years ago
Dan Woodside, NY
I am sick of insurance companies trying to raise premiums by double-digit percentages year after year. I am tired of paying cash for medical services rendered because my level of insurance doesn’t have co-pays. I might as well not have insurance, save the fact that if I was in a catastrophic accident/diagnosed with a disease, I would need insurance desperately, as many do. It is a shame that profitability is the most important priority for this company and the rest of the health insurance companies that I have had to change from every year, and I imagine that this year will not be different. Please reconsider your proposed increase of 22% for Bronze Value plans.
5 years ago
Maritza Morris Cleveland, OH
Oscar plan has been the best medical plan to deal with. They answer all my questions immediately. My medical bills are paid promptly. I recommend Oscar to everyone.
5 years ago
Thomas Irvine Medina, OH
Really glad to have your coverage - I lost employer coverage when I went on LTD - your coverage is a good bridge between what I used to have and pending medicare.
5 years ago
Jared Crebs San Antonio, TX
Oscar has been a great insurance and also we totally love the app! Their network of doctors has been exactly what we needed and our monthly premiums are the right price.
5 years ago
Mrs Williams San Antonio, TX
I love how easy it is to use the Oscar app. I have used the Service "Talk to a Doctor for Free". and it has saved me a great deal time and I was impressed with how quickly they responded.
5 years ago
Diane Hall Anaheim, CA
Used the 24 hours doctor service and was very satisfied. My call was returned quickly and the doctor was able to call in a prescription for my gum infection. This all took less than an hour.
5 years ago
Maria San Antonio, TX
The customer service is very good and both the website and app and very easy to use.
The number of doctors that accept the plan is ok but I wish they had more Hospitals in the network.
5 years ago
Tony Murillo San Antonio, TX
The oscar app is awesome, you have everything you need. From looking for a doctor to a specialist and they pay you $1 everytime you reach your step goals. Friendly customer service
5 years ago
Allison M Austin, TX
Like most insurance companies, Oscar will refuse to pay for most tests and medical care until you pay their outrageous deductions first. It's only worth it having insurance with them if you plan to spend a lot of time in the hospital and have heavy medical expenses. If you have moderate expenses, you will spend thousands out of pocket, on top of your premiums, before Oscar pays for anything. We need to get rid of companies like this and institute universal, not-for-profit healthcare.
5 years ago
Melissa Farias San Antonio, TX
So far, I’ve been pleased, haven’t had opportunity or time to really use. & explore .. like dr call & customer service .. premiums are way too high, if not for discount it would not be affordable for me
5 years ago
Michelle C. San Antonio, TX
The concierge team is awesome--so friendly and helpful! The doctor on call service is a tremendous help! Though ALL health insurance is over-priced, Oscar is competitive with other carriers.
5 years ago
Kirby San Antonio, TX
Oscar claims to be the solutions to healthcare and it turns out they made the problem worse. In May 2019 they fired the good doctors from their plan in San Antonio and only do business with the less capable/experienced doctors in the Baptist network that they feel they can control. My Bronze plan pays for nothing! $640+ and they won't even pay for part of the blood panel required for my annual physical. If when I signed up I knew I would lose all the doctors I do business with on May 1, I certainly would have not renewed them for the 3rd year. YOU ARE WARNED! Stay away - they are a young insurance company already desperately cutting benefits.
5 years ago
Reply from Oscar
Hi Kirby, thank you for taking the time to share this review. We're so sorry to hear you're frustrated. Oscar has a curated network of providers built around provider systems who, like us, are focused on keeping costs down for our members. DM us your Oscar ID number and we'll be happy to have someone from our team get in touch to assist you if you’d like to find new providers and explore what your plan covers during an annual physical.
May. 29th, 2019
Liz Rahway, NJ
I love Oscar. They're always there to answer my calls and answer my questions. The monthly price and accompanying high deductible are the only reasons I chose to give 4 stars.
5 years ago
Joey Julius Woodland Hills, CA
It is such a stark contrast from dealing with other providers (who shall remain nameless). The service I get from OSCAR is most excellent, personal, and timely.
5 years ago
C Mitchell Long Island City, NY
I was initially in love with Oscar and it’s customer service model until I had to actually use their medical coverage which is insultingly bad. Apparently, according to their reviewer who denied my claim, my hospital stay after surgery was “unnecessary” (although standard by all other accounts) because even though I literally couldn’t walk, had to be carried to my bed by nurses, as well as other factors that are common after a major surgery they thought I should have been able to levitate home and have outpatient coverage! Their concierge customer service was extremely polite and friendly but I cannot get any solid information from them, only vague almost automated responses that seem to be designed to frustrate you so you will just give up seeking the coverage you pay them for. I am beyond disappointed. My direct questions are never answered. Please believe the reviews about their denials of coverage. You do not want to be hit with a ridiculous bill of close to 20k when you should be focusing on recovery. The point of insurance is for peace of mind when dealing with health care and prevention and my recent experience with Oscar has been the exact opposite! Sure, their ads seem inviting, and their app interface is cool, but what they lack is substance which is exactly the point of any health coverage. I really wish I saw these negative reviews sooner, because they have been my exact experience!
5 years ago
Reply from Oscar
Hi C, thank you for sharing this feedback with us. Due to privacy laws we're unable to discuss the specifics of your private health info here, but we would be happy to have our team clarify all of the questions you might have. DM us your Oscar ID number and we'll have a help specialist from our team get in touch. Thank you for taking the time to leave your feedback so we can improve this experience for our members moving forward.
May. 3rd, 2019
LINDA East White Plains, NY
I would like an explanation of anesthesia coverage. I was told Propofol is not covered, yet the Concierge states it is???? I cannot get anyone to explain to me. I need anesthesia for a colonoscopy, I cannot have one without it!!
5 years ago
Reply from Oscar
Hi Linda, your care team would be happy to explain anesthesia coverage. To get the conversation started, please give us a call at 855-OSCAR-55 or send us a secure message via your Oscar profile. We look forwarding to helping you out!
Apr. 16th, 2019
Lou West Babylon, NY
Oscar cashed my check for my premium payment. I then received a letter stating I was delinquent with my payment. I call oscars “concierge” team and they request I forward them proof. I go to my bank, collect the proper paperwork and file it over. Representative states to me that it looks like an error was made in their end but until the billing department finds my check I am considered delinquent. They tell me to pay online or by phone so there’s no mix up again. So imagine this.... you wrote a check out to your insurance company, they cash it, you send them proof that they cash it and then they tell you it may be safer to do it online or by phone. I do not recommend this company to anyone. Told me it would be resolved in 24 hours. It has been a week now. This is not a company you want to be involved with.
6 years ago
Reply from Oscar
Hi Lou, we'd like to look into this for you and escalate it appropriately. DM us the Oscar ID # and we'll to have a help specialist from our team get in touch!
May. 2nd, 2019
Josh San Antonio, TX
My fiancé has the Oscar plan. It has been a terrible experience. There are so few doctors who take Oscar. She has had preventative care for women's health and Oscar denies any coverage. They wouldn't even cover the follow up appointment with the copay, so we had to pay fully out of pocket. I highly recommend staying away from this company. Read all the reviews. they're almost all bad. I have Blue Cross Blue Shield and have NONE of these issues. Every single doctors visit I go to I only pay my $30 copay. Even preventative care. This company is not looking out for your best interest. IT"S ALL ABOUT THE MONEY AT OSCAR
6 years ago
Reply from Oscar
Hi Josh, thank you for taking the time to write this review. Health insurance plans can differ, so if your fiancé has a high-deductible plan then certain non-preventive services will be subject to the deductible. This means that they be responsible for the allowed amount of those services up until the deductible is met. The bill received from a provider may reflect the cost for their service and not what you will ultimately owe after we apply the allowed amount to that bill. We're happy to answer any follow up questions your fiancé may have at 855-OSCAR-55.
Mar. 20th, 2019
Linda Peoria, AZ
Started with OSCAR for 2019. Near end of January, I purchased Stelara through CVS Speciality Pharmacy as recommended by OSCAR. Used Stelara Savings Program to pay remaining balance of $7900 - $5.00 copay paid by me under Stelara savings program. This purchase satisified my deductible as indicated by several pharmacy reps and the pharmacist filling the prescription. All said I had met my obligation for the year. The OSCAR online system also showed the deductible had been paid. I saw another doctor after this for a sinus infection and medication was prescribed and all charges were covered. On 2/25/19, I fell and fractured my hip. Went to E/R at an in network hospital. Give hospital my card. They come back an hour before my surgery to tell me OSCAR says I owe a deductible. I tell them there must be some mistake, as it was fulfilled in January. So I follow up with OSCAR when I am home on 3/1/19, and was told they backed out the deductible paid in January because it did not physically come out of my pocket, even though it was paid on my behalf by Stelara. My last insurance provider always provided these Stelara payments towards my deductible, and so did OSCAR initially. I asked OSCAR rep what difference did it make if Stelara reimbursed them on by behalf, or if I paid and then got reimbursed by Stelara??? There answer: "Because it came out of your pocket, and we don't get re-imbursed by Stelara, when they pay on your behalf". Say what???? So now I will be forced to go through this a second time. I don't know yet how the hospital emergency will be handled and now I am on pins and needles wondering what other shenanigans they will pull. The other thing I do not like is they will not accept credit card payments for premiums. My premiums are almost $800.00 a month. Their customer service reps are super slick, and will explain away anything that makes sense to a normal person. Like where did the money go that Stelara paid on my behalf?? It just doesn't vanish into thin air, and it would appear OSCAR is taking $7895 from Stelara and will take another $7895 from me. How can this possibly be legal?? Yet, they insist it is, and they did not receive anything from Stelara. I called Stelara, and they said the insurer can allow the payment from Stelara to be paid towards the deductible. So why is OSCAR not doing the right thing in this matter???? Why did they back out the Stelara payment?? I'm sure they didn't give it back to Stelara. So where did the Stelara money go??
6 years ago
Reply from Oscar
Hi Linda, we appreciate the feedback. Due to privacy laws this isn’t something we can help with via Best Company, but DM us your Oscar ID number and we’d be happy to have your Concierge team get in touch with you to help. As an Oscar member, you can still use third-party copay assistance programs, keeping in mind that only the amount you pay for the prescriptions yourself will be applied towards your deductible or out-of-pocket max. When a coupon is applied, members can waive the full cost-sharing cost for a speciality drug, not including all other services, until the coupon runs out. The cost-sharing is split between the member, Oscar, and the manufacturer. We do want to note that this applies to speciality drugs, not coupons for retail drugs. Your Concierge team at Oscar is here to help you understand your plan, so please don't hesitate to give us a call at 855-OSCAR-55 when you have questions in the future.
Apr. 23rd, 2019
Scott Los Angeles, CA
I live in LA and am incredibly disappointed with Oscar. They only have mediocre doctors in LA through UCLA and they route the Oscar patients through a horrible call center so you can never speak with the doctor or assistant. My wife needed an MRI for hip pain after seeing two Oscar doctors and it was deny deny deny. I am still fighting them to get a basic MRI done. After the policy is done this year I am going back to Blue Shield even if it costs more. The EPO is basically a repackaged HMO. They have to approve everything. There doctor network is PATHETICLY bad. I don’t care what anyone says. I gave them a chance and am now regretting it.
6 years ago
Reply from Oscar
Hi Scott, we're sorry to hear you had a negative experience. This certainly isn't the experience we hope to offer our members and we'd like to look into this further. DM us your Oscar ID number and someone from our team will be in touch to help.
Feb. 25th, 2019
R Sidwell Orlando, FL
Unless you have a ton of time to devote to finding a doctor, waiting in a waiting room and in general struggling to get your needs met, this is not the insurance for you. We signed up for Oscar starting 1/1/19 and on 1/3, we started looking for doctors. The first several we called said they didn't take Oscar, despite being on Oscar's site. The next several were not primary care doctors despite being listed as such on Oscar's site. We finally got an appointment with someone a week out to find their office standing room only and being told wait time was 2 hours after the appointment time. After giving up on that, we went back and tried calling more doctors to find the same thing happening or the doctors that did support Oscar and were primary care doctors were booking appointments months out. During this whole thing we tried working with Oscar's "Concierge Team" and they're useless. They have the exact same list we do on the website, don't believe you when you tell them it's wrong, won't call on your behalf (despite their website saying they will)... It's just a huge, useless, expensive nightmare.
6 years ago
Reply from Oscar
Hi R, we're sorry to hear you're frustrated. We're always happy to help you find in-network options. While we do our best to make sure that our provider data is up to date, we recognize that network status, cost, or information can change. When this happens, just let us know and we’ll reach out to the provider to confirm with them and then update our data accordingly. Please don't hesitate to give us a call at 855-OSCAR-55, we're always here to help.
Feb. 25th, 2019
Deric Colorado Springs, CO
By far the worst insurance company and customer service I've ever experienced! I moved out of state and canceled my service with them. The representative I first talked to said they would refund me for my last month of service since they couldn't cover me in the state I moved to. Two weeks go by and no refund. I called again and they said they couldn't refund me unless I proved to them I had overlapping insurance with a new company. My new insurance didn't start till the first of the next month so they used that as an excuse to deny my refund. Despite proving that I moved out of state they refused to refund me the $518 I paid them for a service they couldn't provide me any longer. Typical insurance company... all they care about is getting your money! Find a different insurance company and save yourself the headaches!
6 years ago
Reply from Oscar
Hi Deric, we’re very sorry for the frustration. Due to privacy laws this isn't something we can help with via Best Company, but we'd be happy to further review your case. To contact your care team for assistance, give them a call at 855-OSCAR-55 or by sending a secure message from your account or the app.
Jan. 29th, 2019
joe O'Connor Sherman Oaks, CA
Do not get this insurance. I got Oscar and it might cost me thousands ,hers why. I woke up at three am sick as a dog and sweating and feeling like I was dying so I called an ambulance and they took me to the nearest hospital. Since I'm 64 years old and I have heart disease and have a stint the heart doctor at the hospital wanted me to spend the night and to take some tests. Turns out Oscar says they won't pay my hospital stay because they said there was no sound medical reason for me to stay the night and have the tests. The doctor at the hospital says I should spend the night. I assume he knows what he's talking about. Was I suppose to not listen to him? Oscar is totally bottom line and all about profits over caring for you so do yourself a favor get other insurance.
6 years ago
Reply from Oscar
Hi Joe, we're sorry to hear this. Due to privacy laws this isn't something we can help with via Best Company, but we do suggest that you work with your care team to determine next steps. While we can't speak to your claim specifically, in general a peer to peer review is sometimes requested to go over medical necessity. A peer to peer review allows us to gather any details we might not have had originally when the claim was submitted. If you'd like to discuss this matter further, please call us at 855-OSCAR-55 to be connected directly with your care team.
Jan. 7th, 2019
Heather San Clemente, CA
They are fine when it comes to regular doctor appointments and prescriptions. However when it comes to emergency and specialty care, the real reason people have insurance, they are a joke. I have been waiting 6 months trying to get my son into a Nephrologist. My son has one kidney and is loosing weight. The only nephrologist in my area is out of network. Oscar says they will pay for it but now it is months later and nothing has changed. They haven’t done what they need to do. I’ve been on the phone with Oscar about this issue 100s of times. They just keep me waiting and running me in circles. They are easy to get ahold of however and their employees are very nice. The company on the other hand needs to get their act together. I’ve never had such a fustrating experience in my life. Their own employees can’t even back up the company on how this is being handled and yet nothing has changed.
6 years ago
L.R Austin, TX
Most of the folks at Oscar are nice. The coverage language is slippery. For example - 'normal' foot care is not covered unless it has to do with diabetes. Apparently, removing a bone from a foot which requires 'normal' anesthesia in a hospital isn’t covered either.
Oscar still has not resolved the issue with Anesthesiologist. Apparently the Anesthesiologist is submitting claim incorrectly but Oscar won't tell them how to submit with correct codes. So? I get pay because Oscar won't work this out??
6 years ago
Lauren New York, NY
Oscar isn't accepted by almost any doctor I've contacted and their Oscar clinic doctors left me disappointed. I felt my issues were left untreated and the doctor was not thorough. My high deductible has left me unable to get multiple prescriptions I've needed. Oscar tried to charge me over $300 for copays on meds. I give them two stars simply for their marketing and easy to contact customer service. Overall I would NOT recommend purchasing this insurance.
6 years ago
Allison R New York, NY
After being laid off, I enrolled in an Oscar plan to start 10/1/18, paid my premium and uploaded paperwork showing no lapse in coverage. On November 1, I logged on to pay my next premium only to find that I had been un-enrolled. In a panic, I called customer service and was told that, at some point in mid-October, the decision had been made that my coverage paperwork was missing a letter...but nobody had reached out to let me know that! I immediately uploaded the letter in question. It is now 11/14/18, and I still do not have retroactive coverage, despite being assured it would be taken care of by the 12th. If somebody had simply let me know I needed to submit a single document back in mid-October, none of this would be happening. As you can imagine, it is unbelievably stressful in the current political climate to be in limbo about health insurance coverage, especially for a middle-aged person like me who hasn't had a coverage lapse in decades. I now have no faith whatsoever that Oscar will communicate with me about important matters like this. While everyone I've talked to on the phone has been very nice, I have not received any kind of explanation as to how this situation happened in the first place. I have also spent a considerable amount of time trying to fix it, and an immeasurable amount of fear and stress. And it's still not resolved.
6 years ago
Matt Austin, TX
Terrible company, terrible coverage. I thought Idealcare was the worst insurance on the marketplace, I was wrong. Oscar is a horrible company, they use marketing and a flashy phone app to hide the fact that they are greedy and unethical. They pay for nothing, and even when they've "guaranteed" a service is "covered at 100%", they still send me a large bill several weeks later. Their "consierge" messagaing system is a joke, it's just a buffer to keep customers from getting any straight answers or any medical services from being covered. Companies like Oscar really highlight how corrupt and broken our healthcare system is. Oscar doesn't care about anything other than their bottm line. Do yourself a favor, pay a little more for better insurance this year, that's what I'm doing.
6 years ago
Reply from Oscar
Hi Matt, we're sorry to hear you had a disappointing experience with Oscar. We'd like to learn what we could have done better. If you're comfortable with it, please send us your Oscar ID in a direct message and we'll have a member from our team reach out.
Nov. 29th, 2018
Marian R. Memphis, TN
Positive reviews are fake. The positive reviews in October are ALL corporate impersonators. They are employees of the company reviewing before Open Enrollment to entice unsuspecting consumers. This is absolute fraud. The real people reviews from January until September were almost all universally negative. You know, when actual real people use the insurance and get huge bills, denied claims, and massive premium hikes. Just look back, mostly negative reviews Jan until September, then suddenly 40% of the total reviews all year, all 5 stars, come in October with similar language? What a joke, scam, and outright dishonest fraud
6 years ago
Reply from Oscar
Hi Marian, we're sorry to hear you feel this way. 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. For questions on your plan or billing, our team is here to help. Please call us at 855-OSCAR-55 to be connected directly with your Concierge team.
Nov. 8th, 2018
B Grossman New York, NY
I have been with Oscar since its inception with Obamacare in 2014. It start ed off great with a large network and low cost and low deductible. Now I can piece together good specialists, but they are fragmented and some doctors just do not spend much time in an examination. The fragmentation of the network is the real loss. But my major complaint is that I had to do so much work to get coverage of an MRI that one specialist prescribed and I am still fighting to get coverage for a hospital admission after an emergency room visit. The hospitalization ensured that I did not have a stroke or heart attack and Oscar said because I did not , they will not cover the hospitalization. It is now in dispute with the DFS. Oscar is more concerned with cutting costs than my health.. I will most likely choose another company next year
6 years ago
Reply from Oscar
Hi B, we're sorry to hear about the frustration. We escalated your message to a supervisor, who noted that we're currently working with you to resolve this issue. We’re always looking for ways to improve the quality of care our members receive, so we appreciate it when our members give us feedback on their provider experiences. We encourage all members to send a message to their Concierge team if they have an experience that did not match their expectations.
Nov. 5th, 2018
Rodney Brock Austin, TX
I'm really impressed with the providers on my plan. This year I had to have shoulder surgery. The orthopedist, surgical facility and physical therapist were all top notch.
6 years ago
P. Linton Long Beach, NY
Super fast and complete responses to messages. Excellent doctor network. Great plans. Terrific autopay. Fast paperwork processing. All around best in class.
6 years ago
Joanna Hong New York, NY
The website is easy to use. The chatting feature is super quick and responsive so I like the fact I'll hear back within a day usually. The Amazon rewards program is the best.
6 years ago
Deborah Miller Fullerton, CA
This is the best health care company ever! The customer service from the main office is outstanding. And the help from the Call A Doctor program is fantastic!
6 years ago
Maria r fabbrocile Staten Island, NY
My experience with oscar has been amazing . from answering my questions on claims and copays. A agent has always been able to assist me on any questions that i have
6 years ago
