Oscar Health Insurance Review

What's Included with Oscar?

• Dedicated concierge to schedule appointments, resolve billing issues, give health advice (through a licensed nurse)
• Free, 24/7 Doctor On Call service saves patients a visit to the doctor
• Oscar Center provides exclusive primary care services (only in New York City)
• Step-Tracking program earns rewards for meeting walking goals (up to $100/year)
• No referrals
• Free preventive care, including annual physicals and most vaccines
• Request prescriptions by phone
• Oscar Network includes nationally ranked "honor roll" facilities and specialists
• Cost Sharing Reduction (CSR) plans available

Types of Health Insurance Plans

Plans Reviewed

Backup Plan

The Backup Plan is ideal for generally healthy people who want to know they will be covered in case of a major injury or illness. With this plan, the patient has a choice of three metal levels with different individual deductibles and out-of-pocket maximums. Before meeting the deductible, the patient pays the full price for services like primary care, specialist visits, urgent care, labs, and all drugs. After meeting the deductible, all services under the Bronze and Silver levels are $0. Under the Gold level, they are 20% of the total cost.

Simple Plan

The Simple Plan is the signature Oscar plan. There are four coverage levels, including the Secure level, designed for people who only have routine care needs. With the Secure and Bronze levels, most services must be fully paid by the patient before the deductible is met. Under the Silver and Gold levels, most services have copays that range from $10 to $50, depending on the service. Once the deductible is met, all services under every Simple Plan level are 100% covered by the insurance. Additionally, since the deductibles match the OOP maximums, there is no cost-sharing under the Simple Plans.

Classic Plan

The Classic Plan follows the structure of traditional health insurance plans, which may be ideal for people with chronic illnesses who need ongoing care. Four metal levels are available, with the Platinum level offering no deductible and copays for every service. With the Bronze level, on the other hand, all services must be paid in full before the deductible is met. After the deductible is met, the patient pays 50% of the total cost for most services and copays for prescription drugs. The Silver and Gold levels are similar in that most services must be paid in full before the deductible is met. Once the patient meets the deductible, copays are charged for the different services, with the Gold level offering the lowest post-deductible copays.

*Information stated above is for customers residing in the state of New York

Summary

Oscar sets itself apart from the competition with its wide range of plans. Any customer can find a plan that fits their health care needs—and their budget. Oscar also offers a variety of additional services at no cost, like a concierge that can help customers get the most out of their plan. Services like this really make a difference when it comes to customers deciding between plans. Consumers can receive an instant free quote online by entering a few personal details like zip code, age, and income. 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.