Oscar Health Insurance Review & Ratings (2023)
This Oscar Health Insurance Review will cover Oscar Health Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. To compare insurance rates from the best companies in your area, enter your ZIP code below.
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Written by
Chris Tepedino |
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Reviewed by
Laura Walker
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UPDATED: Mar 12, 2023
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Oscar, started in 2013, is a ventured backed health insurance carrier that aims to use technology to make insurance simple and easy to use. The company is run by Silicon Valley veterans looking to disrupt the current health insurance industry. Currently, Oscar Health Plans are available to people buying Obamacare insurance plans through the New York and New Jersey health insurance marketplaces.
Here are some interesting attributes of the company:
- Oscar Health Insurance uses technology to simplify and streamline the health insurance process for its customers, providing a seamless user experience through its mobile app and website.
- The company offers a range of health insurance plans, including individual and family plans, small business plans, and Medicare Advantage plans.
- Oscar Health Insurance has partnered with major healthcare providers and hospitals to provide its customers with a broad network of high-quality healthcare providers.
Oscar Health Insurance is a tech-based health insurance company that was founded in 2012. It is known for its unique approach to healthcare and health insurance, offering plans that focus on preventive care and personalized healthcare.
History of Oscar Health Insurance
Oscar Health Insurance was founded in 2012 by Mario Schlosser, Kevin Nazemi, and Josh Kushner. The idea for the company came from Schlosser’s personal experience with the healthcare system when his wife was pregnant with their first child.
He found the process confusing and difficult to navigate, and he saw an opportunity to use technology to simplify and improve the healthcare experience for everyone.
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Mission of Oscar Health Insurance
The company’s mission is to make healthcare accessible and affordable for everyone by leveraging technology and innovation. Oscar Health Insurance believes that healthcare should be easy to understand, transparent, and personalized. The company’s approach to healthcare is based on three core principles:
- Prevention: Oscar Health Insurance believes that preventing illness is more effective and less expensive than treating it. The company’s health insurance plans focus on preventive care, wellness programs, and disease management to help customers stay healthy.
- Personalization: Oscar Health Insurance recognizes that everyone’s healthcare needs are different. The company’s plans are designed to be flexible and customizable, with a range of options for deductibles, copays, and out-of-pocket costs.
- Technology: Oscar Health Insurance uses technology to simplify and streamline the healthcare experience for its customers. The company’s mobile app and website make it easy for customers to find doctors, schedule appointments, and access their health information.
Overall, Oscar Health Insurance’s history and mission reflect a commitment to making healthcare more accessible, affordable, and personalized for everyone. By leveraging technology and innovation, the company is working to transform the healthcare industry and improve the lives of its customers.
States Where Oscar Health Offers Insurance
It’s worth noting that the availability of specific health insurance plans may vary by state, and not all plans may be available in every state where Oscar Health Insurance operates. Oscar Health Insurance offers health insurance plans in several states across the United States.
- Arizona
- California
- Colorado
- Florida
- Georgia
- Iowa
- Kansas
- Michigan
- Missouri
- New Jersey
- New York
- North Carolina
- Ohio
- Oklahoma
- Pennsylvania
- Tennessee
- Texas
- Virginia
Additionally, the company’s Medicare Advantage plans are currently only available in certain countries within specific states.
If you’re interested in purchasing health insurance from Oscar Health Insurance, it’s a good idea to check the company’s website or speak to a representative to see what plans are available in your state and which plan might be the best fit for your needs.
Products and Services Offered by Oscar Health Insurance
Oscar Health Insurance offers a range of health insurance products and services to individuals and families in the states where it operates. Here are some of the main products and services offered by the company:
- Individual and family health insurance plans: Oscar Health Insurance offers a variety of individual and family health insurance plans that provide coverage for medical services, prescription drugs, and other healthcare needs. These plans are designed to be flexible and customizable, with a range of deductibles, copays, and out-of-pocket costs.
- Medicare advantage plans: Oscar Health Insurance offers Medicare Advantage plans in select counties in certain states. These plans provide coverage for Medicare Part A (hospital insurance) and Medicare Part B (medical insurance), as well as additional benefits like prescription drug coverage, vision care, and fitness programs.
- Telemedicine services: Oscar Health Insurance offers telemedicine services, which allow customers to connect with healthcare providers remotely through video consultations, phone calls, or messaging. This can be a convenient and cost-effective way to access healthcare services, especially for minor illnesses or injuries.
- Wellness programs: Oscar Health Insurance offers a range of wellness programs and resources to help customers stay healthy and manage chronic conditions. These programs may include personalized health coaching, fitness programs, nutrition counseling, and more.
If you’re interested in purchasing health insurance from Oscar Health Insurance, it’s a good idea to check the company’s website or speak to a representative to see what plans are available in your state and how much they might cost.
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Coverage Cost at Oscar Health Insurance
The cost of health insurance plans from Oscar Health Insurance can vary widely depending on many factors, including the type of plan, the level of coverage, the state where the plan is offered, and the individual’s age, gender, and overall health status.
In general, Oscar Health Insurance plans tend to be competitively priced compared to other health insurance providers. According to a 2020 analysis by eHealth, the average monthly premium for an Oscar Health Insurance plan was $456 for an individual and $1,223 for a family, which was slightly lower than the national average for individual and family health insurance plans.
It’s worth noting that the cost of health insurance plans can vary from year to year, and it’s important to review your options and shop around to find the plan that best fits your needs and budget.
If you’re interested in purchasing health insurance from Oscar Health Insurance, it’s a good idea to check the company’s website or speak to a representative to get a personalized quote and see what options are available to you.
Discounts Available With Oscar Health Insurance
Oscar Health Insurance offers some cost-saving features and resources that can help customers save money on their healthcare expenses. These may include:
- Telemedicine services: Oscar Health Insurance offers telemedicine services that allow customers to connect with healthcare providers remotely through video consultations, phone calls, or messaging. This can be a convenient and cost-effective way to access healthcare services, especially for minor illnesses or injuries.
- Wellness programs: Oscar Health Insurance offers a range of wellness programs and resources to help customers stay healthy and manage chronic conditions. These programs may include personalized health coaching, fitness programs, nutrition counseling, and more.
- Pharmacy benefits: Oscar Health Insurance offers a range of pharmacy benefits, including access to a national network of pharmacies and prescription drug discounts through partnerships with certain retailers.
Overall, while Oscar Health Insurance may not offer traditional discounts like some other insurance providers, there are still many ways that customers can save money on their health insurance and healthcare expenses by taking advantage of the company’s programs and resources.
Customer Feedback for Oscar Health Insurance
Customer reviews of Oscar Health Insurance are mixed, with some customers reporting positive experiences and others reporting negative experiences. Here are some key themes that emerged in customer reviews of the company:
Pros:
- Competitive pricing: Many customers praised Oscar Health Insurance for offering affordable health insurance plans that were comparable to or even cheaper than plans offered by other providers.
- Technology and user experience: Oscar Health Insurance is known for its user-friendly online platform and mobile app, which make it easy for customers to manage their health insurance plans and access healthcare services.
- Customer service: Some customers reported positive experiences with Oscar Health Insurance’s customer service team, noting that representatives were helpful and responsive.
Cons:
- Limited coverage: Some customers reported frustration with Oscar Health Insurance’s limited coverage options, particularly in areas where the company has a smaller network of healthcare providers.
- Claims processing: Some customers reported difficulty with the claims process, including delays in processing and reimbursement.
- Billing issues: Some customers reported billing errors or issues with autopay, which led to frustration and confusion.
It’s worth noting that customer experiences can vary widely depending on several factors, including the individual’s health status, the type of plan they have, and the state where they live.
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Roundup: Oscar Health Insurance
In conclusion, Oscar Health Insurance is a relatively new health insurance provider that offers affordable plans with a focus on technology and user experience. The company’s mission is to make healthcare more accessible and personalized for individuals, and it offers a range of services and resources to help customers manage their healthcare needs.
Overall, if you’re looking for an affordable health insurance option with a focus on technology and personalized care, Oscar Health Insurance may be worth considering. It’s important to do your research, compare plans and prices with other providers, and read customer reviews to determine if it’s the right choice for your healthcare needs.