The deadline to purchase health insurance through Oscar would be during the last day of the Obamacare open enrollment period. But you can also acquire coverage outside of this period if you have a qualifying life event. Many or all of the companies featured here provide compensation to us. While visiting the website, interactive maps, reviews and ratings will pop up when you search for the type of coverage or prescription drugs you need. The Silver and Gold levels are similar in that most services must be paid in full before the deductible is met. If you own or purchase an Oscar policy, make sure to ask your doctor to send any lab work to a preferred provider. Finally, the doctor would give you a diagnosis and even send a prescription to a pharmacy for you to pick up. Oscar offers health plans to a limited number of states and counties: Since Oscar is still a startup, these are the only states in which its currently available. Stay away - they are a young insurance company already desperately cutting benefits. Power and the Kaiser Family Foundation. Oscar has a corporate office in New York City and was founded in 2012 by Mario Schlosser and Josh Kushner. He graduated from Syracuse University with a bachelors degree in Finance and Accounting and has previous experience as a licensed life insurance representative. And once the out-of-pocket maximum is met, any in-network health costs would be fully covered by Oscar. As with other insurers, health insurance through Oscar can be purchased with a credit card. Customer reviews for Oscar are positive overall, with many customers stating the best parts are the online app and Doctor On-Call service. With this plan, the patient has a choice of three metal levels with different individual deductibles and out-of-pocket maximums. These commissions are how we maintain our free service for consumers. In this service, you would be able to request a call from the Oscar app at any time during the day and include a picture of your symptoms. Customer reviews for Oscar are positive overall, with many customers stating the best parts are the online app and Doctor On-Call service. Our brand,, stands for accuracy and helpful information. 3 weeks later I am still waiting. Oscar substantiates this with a robust telemedicine program that allows for a personalized doctor experience. This means that as you pay for medical services, you would reach the deductible and out-of-pocket maximums at the same time. The company is known for a somewhat lighthearted and technologically advanced approach to health insurance. Oscar has many standard health resources, but also offers some unique policyholder benefits when compared to other health insurance providers. There are three levels of plans for individual health insurance that Oscar sells: Simple, Saver and Classic health policies. I chose this provider because my doctor was listed as a member doctor on this network...wrong . However, some policyholders have complained about the thin network of coverage and the inability to find a provider quickly. Is that they plan? Oscar claims to be the solutions to healthcare and it turns out they made the problem worse. I did not use my insurance due to not needed. Under the Gold level, they are 20% of the total cost. This is known as telemedicine and lets you have a face-to-face conversation with an in-network doctor who works with Oscar. YOU ARE WARNED! Oscar Health is an evil company owned by Jared Kushner. It has an Exclusive Provider Organization (EPO) network, meaning that coverage from any provider in the network will be free or eligible for co-insurance from the company. This can include prescription drugs and specialty providers like dermatologists or therapists. Oscar retroactively terminated our insurance coverage, leaving us with ~$1500 for a mammogram that we verified were covered at the time of service. We know we can only be successful if we take your trust in us seriously! Our content is free because we may earn a commission when you click or make a purchase using our site. There are many health insurance companies available and a ton of options on state health insurance exchanges which can make choosing the right company can be a daunting task. Furthermore, it has an NAIC complaint ratio of 0.12, which indicates that it receives fewer complaints than the median company when taking into account its size. DMHC.CA.GOV I have got 1st appeal and I am waiting for other 2 appeals. So far, the company has outstripped expectations for policy sales, entering the 2014 open enrollment period with 17,000 members, more than the 7500 anticipated by that time. Tier Plans The medical care for each plan is the same but the cost for each plan varies based on your deductible options. I have been insured since 2018. Once the patient meets the deductible, copays are charged for the different services, with the Gold level offering the lowest post-deductible copays. Read more. However, Oscar excels at its customer service, and its member benefits are recognized as some of the best in the health insurance industry. I am telling everyone that they should never buy this insurance, it is not worth. The Saver category is best if you need more comprehensive medical insurance coverage, but cannot afford to buy the Classic category plans. The following companies are our partners in Health Insurance:, Anthem Inc., Pivot Health, Golden Rule Insurance Company, HealthNetwork, Medica, Everest, National General, and After the deductible is met, the patient pays 50% of the total cost for most services and copays for prescription drugs. The average cost of an Oscar health insurance policy is $516. I signed up for Oscar Health insurance on September 1, 2020, and received a letter from them about a month later letting me know the plan I'm on will no longer be available at the beginning of 2021. They ripped me off to the tune of about $20,000 by double-booking me for insurance for two years. However, if you go outside the provider network, you would have to pay extra or full price for services. The site does not review or include all companies or all available products. Oscar Health Insurance is a startup that provides individual and business health insurance policies. The Simple category is best if you are in excellent health and will not require many medical services, as these policies have higher cost-sharing, yet cheap monthly premiums. For this reason, if you have a preferred doctor, you should confirm with Oscar that you will be able to receive care from that provider before purchasing a policy. Although the plans have differences, they all are Affordable Care Act (ACA) qualified health policies and thus cover the essential benefits. If … The Simple Plan is the signature Oscar plan. " Oscar paid me to get my license to sell health insurance " (in 43 reviews) " Growing pains are always going to be apart of a fast-growing company like this " (in 26 reviews) More Pros and Cons Pros & Cons are excerpts from user reviews. Unfortunately, Oscar is only available in New York, New Jersey, Ohio, Tennessee, Texas, Arizona, Michigan, Florida, and California, though they expect to expand to other states in the future. After meeting the deductible, all services under the Bronze and Silver levels are $0. I have 3 appeals at Once you have purchased an Oscar health plan, you will receive a welcome kit that includes your plan ID cards, a summary of the policy benefits, and a look at other free perks and benefits. Oscar Health Insurance offers Saver plans in Bronze, Silver and Gold metal tiers. Our brand,, stands for accuracy and helpful information. With the Bronze level, on the other hand, all services must be paid in full before the deductible is met. His office informed me that while they had signed up with Oscar they could not book an appointment using Oscar insurance. Additionally, since the deductibles match the OOP maximums, there is no cost-sharing under the Simple Plans. If you are considering this company, consider this first. I received a reply 2weeks later saying... What a lousy company. My Bronze plan pays for nothing! Furthermore, the categories also differ in the size of co-pays and co-insurance for specific health services. Oscar has also been rated well by some of the largest ranking companies and has an A- from the Better Business Bureau (BBB).