Oscar
3.3
6.9
Overall Score
Nicole New York, NY
Love the teledoc. If you have regular doctors that you enjoy, I would make sure you confirm they take oscar before switching, as quite a number don't. For how little my husband and I need medical attention, our premiums seem outrageous to me, personally. Otherwise, they've been easy and pleasant.
7 years ago
Morgan Lane Canyon Lake, TX
I love the app and being able to text a doctor. Have also had the receive a callback and both have worked great. Both times felt like they took the time and they called in RX for me. Great experience.
7 years ago
John Austin, TX
I went for my "free" annual checkup in-network and had a blood table done and my bill is still $6,188.34 two months later. There are 3 general practitioners in Austin and 9 total in Central Texas (within 2 hours of Austin) that are available in-network. This company is a compete joke playing a dangerous game with people's lives. I would hate to be in a serious situation where I'm getting denied for what most other providers cover. Positives: cheap premiums (though denied when you use it), their app is easy to use, HSA available. Oscar may be good for something catastrophic but think twice before you dare use it unless you're on your deathbed.
7 years ago
Agent Brown San Antonio, TX
Good, however conflicting information on Parent aging off @ 65 and enrollment of 4 remaining children - over age 18 but under age 26..
Confused the client AND Agent B...
complicated where did not have to be....
7 years ago
Cyndi Elders Dana Point, CA
First time I have ever had a customer service rep call me to explain an error made (before I even knew there was an error) which was very impressive. I am new to OSCAR this year and so far have been very pleased.
7 years ago
Debra San Antonio, TX
I like the benefits of my plan. I would like to see more doctors added to the plan. The doctor that we were seeing in the plan is no longer in network. While looking for a new doctor, I noticed a list of doctors no longer in network. This concerned me.
7 years ago
Salpi Chatsworth, CA
The best part about Oscar, in my opinion, compared to other Health Insurance providers, is the ease with which to locate services, and communicate with representatives online.
7 years ago
zelda Santa Monica, CA
Let Oscar's robotic template responses to real people's reviews here be your guide, then pick ANY other insurance company.
"Oh, sorry you're frustrated..." - as in, Oscar doesn't think their customers' experiences of their piss-poor insurance are legitimate. You'll *read* their same cut/paste responses about how "sorry that you're frustrated" Oscar is. But after two years with Oscar in a major metropolis (LA), I promise it's getting worse to actually get care through Oscar.
"...our Curated Network..." - That means you'll wait a month to see a doctor, if you're lucky. Plan on waiting and waiting and waiting to actually see a doctor. By the way, a couple of the providers in their carefully "curated network" are actually deceased. Pretty disgraceful.
Oscar's cheerful fonts, app, and cutesy language doesn't cut it when your health and life are concerned.
Their robo-replies here are very telling about how "corporate" and robotic and incompetent Oscar actually is. STAY AWAY!
7 years ago
Reply from Oscar
Oh my! This isn't what we like to hear. If you’re having issues finding a provider, please reach out to your Concierge team and they’ll work with you to find one that fits your needs. In regards to deceased providers, we’d like to investigate this. Give us a call at 855-OSCAR-55 or send us a secure message via your Oscar profile with the details and we'll be more than happy to escalate this feedback accordingly. We apologize again for the negative experience, Zelda, and look forward to helping you when you reach out.
Apr. 17th, 2019
Rizz Ladera Ranch, CA
Pros:
Lowest Price for any metal tier,
same benefits as other metal-tiered plans as other competitors, and
if you like gimmicky presentation with decent technology, then Oscar is good for you. Their customer service team is amazing! They are very helpful and pleasant. The Bad: Very limited medical access because they keep throwing this curated network to manage cost. The problem is the Curated Network chosen will decide which local providers they want to contract to be part of their network. So, if you can't see many providers in your area, blame the curated network that Oscar has chosen, indirectly blaming Oscar because they fail to address this effectively. Great idea, but horrible execution.
7 years ago
Reply from Oscar
Hi Rizz, thank you for taking the time to share this feedback. We’re happy to hear that our customer service team is very helpful and pleasant, however we’re sorry to hear you’re frustrated with our network. Oscar has a curated network of providers built around provider systems who, like us, are focused on keeping costs down for our members. Our team is here to help you find the right provider for your needs, so give them a call at 1-855-OSCAR-55 to get the conversation started.
Apr. 3rd, 2019
Arthur Ellin New York, NY
Oscar offers a pretty thin network. In TVs and cellphones, thin is good. In medical care, not so much. It means that it's hard to find a good doctor to treat your condition. Or hospital. Virtually no major New York hospitals accept this insurance except Mount Sinai, and almost none of my Mount Sinai doctors accept it either.
None of the good doctors I have gone to in the past accept this insurance. Instead, I have been to some truly horrible practices and clinics . In one case, over three visits, I never saw an actual doctor, just a nurse practitioner. I have also seen good doctors who are part of terrible, factory-like practices that make it impossible from them to do their jobs well since they only have five minutes with each patient. I have been misdiagnosed, non-diagnosed, etc.
Oscar is also extremely stingy with reimbursements for lab work, physical therapy etc. even for preventive or covered services. They always find ways not to pay for certain things.
They focus a lot of PR on their app, their "wellness center" in Brooklyn, and other meaningless stuff.
On the key issue—medical treatment—they are terrible. The only reason I gave them two stars instead of one is that they don't require referrals for you to see doctors in their crappy network. This offers some freedom to pick and choose so you are not completely at the mercy of a primary care provider. But your choices may not be great.
7 years ago
Reply from Oscar
Hi Arthur, thank you for sharing this feedback. While we can’t speak to your specific concerns on Best Company due to privacy laws, we’re happy to address your feedback generally. Oscar has a curated network of providers built around provider systems who, like us, are focused on keeping costs down for our members. Each member is assigned a care team who can advocate for them if they do think there is an access gap. If you have a concern with a specific provider, we recommend sharing your feedback with the provider directly as well as your care team at Oscar. Members can also rate providers using our tools to provide feedback. Keep in mind, coverage depends on the plan you have. If you think you might be on the wrong plan for your care needs, your care team can help as well. To discuss any of this in further detail, please call us at 855-OSCAR-55 to be connected directly with your team.
Dec. 12th, 2018
M.A. Scottsdale, AZ
PRO:
- Doctor call option to discuss if you should go to urgent care
- Easy to find who IS in Network (see cons though...)
- Easy Messaging System
CON:
- Doctors in network are not doctors that are popular and suggested
- Only can get a breast pump through ONE company - the company has changed and I had to notify them. They then sent me another company that only provides minimal options and they didn't answer the phone.
- Will wait 24 hours with their chat option.
7 years ago
Reply from Oscar
Hi M.A., thank you for taking the time to leave this review. We're glad to hear you like our Doctor on Call and messaging features, but we're sorry to hear you had a negative experience with our doctors in network. 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. We're sorry to hear that you ran into issues getting a breast pump as well. We work with different vendors, depending on which state you are in, to supply durable medical equipment like breast pumps. We do appreciate it when our members provide their feedback on our vendors so we can improve the experience moving forward. If you'd like to discuss this matter further, please call us at 855-OSCAR-55 to be connected directly with your care team.
Feb. 7th, 2019
Jon North Olmsted, OH
I liked the intuitive design of Oscar's website and app, but their computer systems clearly have some kinks to work out. For a few months, their site and app showed that I owed $0 in premium payments. It even showed my statements for previous and current months as being paid in full. Then I got an email one day warning me that if I did not pay my premium, my coverage would be canceled.
Immediately upon receiving this email, I called customer service to figure out what was wrong. I was told that an error with their system had caused the website to inaccurately display that I was paid in full, and that I actually still owed premium payments. So I agreed to pay my entire outstanding balance over the phone that day, and then I set the website to auto-withdraw from my bank so that this would not happen again.
Two weeks later in December 2018, I received a letter in the mail stating that my coverage had been canceled due to delinquent non-payment. It stated that I hadn't paid during the grace period of December 2018 to February 2019, and my coverage had been canceled as of November 30. Obviously, these dates made no sense. I also received at the same time a welcome packet and new ID cards. Yet whenever I logged into the site at this point, it said I no longer had a plan through Oscar.
I called customer service again and found out that even though this whole thing was Oscar's error, they could not reinstate my coverage because it had been apparently canceled by the Federal Health Market. I then had to call the Federal Health Market in order to figure out that when Oscar had tried to reinstate my plan the first time, the Market did not let them because the Market's records still erroneously showed that I had failed to make payments.
Now I'm waiting to hear back from the Market as they have escalated my case to be investigated. I've been assured by both them and Oscar that this process will finish within the next 30 days and then my coverage will be reinstated. I'm hoping that will happen.
Nevertheless, it is still bizarre that a healthcare company's computer system could be so broken as to cancel someone's coverage for no reason and send out notices that are so bizarre and contradictory; and then have no way of easily reinstating the plan even when the error was on their end. I had to do an awful lot of investigation on my own to even figure out what had gone wrong.
So I'm currently uninsured, and I have to pay out of pocket for prescriptions until my coverage is reinstated. Oscar has offered to reimburse these costs once my plan is back, which I hope will happen. And they say I'll be able to have my doctor bill claims reprocessed at that point. Even still, what would I have done if I couldn't afford to pay for the prescriptions out of pocket during this period?
Hopefully once this is remedied, I'll have better experience with Oscar, but so far it's been a major confusing headache.
7 years ago
Reply from Oscar
Hi Jon, thank you for taking the time to leave this review. We’re happy to hear you like our website and app, but we’re sorry to hear you’ve run into billing issues and received conflicting messages from us. We know this didn’t make for a good start to the year, and we’re very sorry for any inconveniences this may have caused you and your family. If you have any follow-up questions, please don’t hesitate to call your Concierge team at 855-OSCAR-55 so we can make this right.
Feb. 13th, 2019
Delia Hernandez San Antonio, TX
This is my 3rd year with Oscar and I am completely satisfied. I kept all my doctors and Oscar has the best benefits overall, that meet my needs and my budget. Customer service is great and they cover my meds.
7 years ago
Sheryl MG Sea Girt, NJ
I find it very easy to use, and the premiums were more affordable than traditional health insurance which is why I switched. I also can find the specialists that I need in the geographic areas where I work and live.
7 years ago
TM Brooklyn, NY
I've had Oscar for 3 years. It's great EXCEPT for ONE major flaw: The provider network is much too small. It can be difficult to find doctors that accept Oscar. Perhaps in smaller communities with a smaller pool of doctors, it is easier, but in the NYC area, the ratio of Oscar doctors to everyone else seems tiny.
One note about people who suspect fake positive reviews in October: Perhaps there are more reviews in October because that is when everyone starts shopping for new insurance. I know I found this site because of that....
7 years ago
Sandra Austin, TX
I was pleased with them for the first few years but recently I’m finding they are difficult to get information about price estimates and coverage. I get sent in circles by everyone involved: doctor, lab, and Oscar. I do like getting paid for step goals, doctor on call has been helpful, and my doctors are in their network for the most part. I also appreciate their technology, the app is convenient and having immediate access to a concierge is pretty great. I just wish they could be more transparent about cost and coverages for specific procedures and tests.
7 years ago Edited September 14, 2021
Ecoughlin Austin, TX
Oscar has been a very good insurance for our family. We've had no problems at all with getting Dr. bills paid and it's easy to track claims and payments through the website. I am giving 4 stars instead of 5 because most communication with Oscar is by text or email. Sometimes you just need to talk to someone on the phone.
7 years ago
Reply from Oscar
Thank you for the kind review! Note that you can always call us at 855-OSCAR-55 to be connected directly with your Concierge team if you prefer to talk on the phone.
Oct. 26th, 2018
IFA-SA San Antonio, TX
Oscar representatives ALWAYS take care of any medical requirements I might have upcoming. I currently have Stage 4 Cancer, and it is nice that my health care is one less thing to worry about! Thank you!
8 years ago
Patty Santa Monica, CA
I found Oscar health insurance to be very efficient . Good communication, excellent healthcare coverage, and a willingness to research questions and respond- either by email, or phone call.
I am hoping they will enter the Medicare field, so I can continue to have such excellent service.
Thanks, Oscar!!!!!
8 years ago
Reply from Oscar
Hi Patty, thank you for leaving such a kind review! We have announced that we will be entering the Medicare Advantage market in 2020, but stay tuned for further details and timeline.
Oct. 24th, 2018
Holt Franklin, TN
Good insurance. Would be better if more providers were available. A great physical therapy office no longer takes Oscar because they state that the paperwork and phone calls take up too much time (difficult to work with) compared to other insurances.
8 years ago
Teresa McGee La Vergne, TN
I've been nothing but pleased with Oscar. Everyone has been super nice and friendly. The website is easy to use. Looking for care is great. All of my doctors are in network. I hope to stay with you.
8 years ago
Connie L. Cleveland, OH
So far Oscar Health is a great coverage program and very convenient access to the network I am familiar with. I was looking for a program that would allow me to stay with CCF and Oscar Health was it! I look forward to exploring more of what Oscar Health has to offer in the future.
8 years ago
Diane Jones
I've had Oscar for a couple of years now a think it is fantastic. The App and concierge is very helpful. My favorite function of the App is that it keeps track of my steps and then pays me with an Amazon gift cars.
8 years ago
John O San Antonio, TX
Very happy with Oscar. Everyone I have encountered has been knowledgeable and professional. Quick and accurate responses. I’ve called for both medical and insurance issues. Both were handled extremely well!
8 years ago
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.
8 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
8 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.
8 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.
8 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.
8 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.
8 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.
8 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.
8 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
8 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.
8 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.
8 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.
8 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.
9 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.
10 years ago
Sylvia Vicari Lake Worth, FL
Before I signed up for Oscar I called and asked if my PCP was in network. I was told yes. So I switched from Cigna. Went to my PCP in February in March I get an EOB telling me the claim was denied because it was out of network. HUH. I called Oscar was told he was in network and a supervisor would call me back within 24 to 48 hours. NO CALL BACK. about 3 weeks later I call them back. Same thing in network so I'll transfer you to a supervisor. Can't supervisors are not picking up. Someone will call you back within 24 to 48 hours. I called again today. Toaday i get a supervisor. Was told the doctor was in network but the location was not. HUH. I have seen this docotor at this location for over 2 years. I called and asked if he was in network. was told yes buy both insurance company and doctors office or else I would not have switched. Now Oscar does not want to pay the 212.00 claim because he is out of network at that location. What a crock of crap. I can't wait for December and open enrollment so I can get rid of this company.
4 years ago
Reply from Oscar
Sylvia, 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.
Apr. 12th, 2022
CLC Marietta, GA
Ask the same question - get 20 different answers. As a new family to the Oscar plan, we've been beyond frustrated, confused, and frankly concerned that these people are in charge of our healthcare. The website has frequent errors despite the fact the founders claim to be from the tech industry. Virtual doctors are rarely available quickly - which is kind of the reason why you'd use a virtual doctor. Flashy graphics and buzz words to invoke high-end service fall flat when the customer is left without what they need most - reliable answers about their health insurance plan. And based on feedback we get when we hand our ID cards to doctor office staff, they're not ecstatic about this plan, either. I've got a ton of ideas on how to improve this health insurance company but have yet to find anyone at this company who cares enough to hear them.
4 years ago
Reply from Oscar
CLC, 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.
Apr. 6th, 2022
LAlvey Fort Worth, TX
I’m so disappointed with Oscar. We live in Fort Worth and the only imaging facility approved is a hospital, which is more expensive. I signed up with Oscar because of the low cost of insurance. Dr offices and imaging facilities are cancelling Oscar mid year leaving us with very few options to use. We can only use 1 hospital which is not one of the major hospitals. None of our doctors want to use Oscar. We are basically stuck for the year. You get what you pay for
4 years ago
Reply from Oscar
LAlvey, 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.
Apr. 6th, 2022
M MCFly Forest City, NC
I live in NC and have had Oscar for 4 months. When I signed up both my PCP and thyroid dr were listed as in network. As soon as I went to make an appt with my thyroid Dr they were suddenly no longer listed as in network. My husband went to our PCP and shortly after we get an EOB from Oscar saying that Dr is also out of network. So far not one of our prescriptions has been covered, get better prices from Good rx. Trying to contact customer service is a nightmare and they don't help once you get through. They just say not covered and that's it. Using their 'chat' service is a joke. It takes days to get an answer. This is the worst insurance I've ever had. Waste of money. Will be canceling today. I need the money I waste on the premiums to pay for everything they don't cover
4 years ago
Reply from Oscar
M MCFly, 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.
Apr. 4th, 2022
Guarionex Berrido Santo Domingo Este, 32
I have had a terrible experience with Oscar in these 3 months since January 2022. I had my health stable for years until I switched to Oscar believing was going to be a good option. Starting this year all my medications were not covered. They forced me to switch from Walgreens to CVS and, after many calls and messages, only two out of 5 of my diabetes and cholesterol medications appeared approved with low copay, when before I haven't had to pay. And those approved were the more basic ones. For the others, the pharmacy said my copay is $617 each month. Result: I couldn't face that and now I have my sugar out of control. This for sure will cause me soon a high A1C but they don't care. I have written a lot of times and my doctor tried many ways filling out justification forms about my medication and the drugs that were fully coverage for others insurances for years, Oscar covers a part of the cost only, leaving me more than $600 on my side. And my medications are common, not those of high price. So I am running out of a cholesterol drug and 2 diabetes medication and the sugar levels out of control. Really I am frustrated with this insurance. I don't want even think how will be the insurance response if I have to get in to the hospital.
In cases like this, because I'm sure I'm not alone, the Market Place should allow an inmediate plan change to avoid a health problem because of the poor insurance coverage.
I hope to have a solution soon before my health condition can get deteriorated caused by this insurance's poor response.
4 years ago
Reply from Oscar
Guarionex, 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.
Apr. 1st, 2022
lindap Kansas City, MO
This is my third month using Oscar and I have had an awful experience all around. I chose the Bronze-Elite plan because the prescription deductible agreement sounded like something that could help me out, as someone who uses multiple daily prescriptions for asthma and high cholesterol. Nothing crazy, very basic.
The language in their plan is extremely misleading. They say it is a low-cost plan to pay out for prescriptions but i've only encountered my prescriptions increasing in price and resorting to using GoodRX coupons to be able to afford some medications. Or switching to a different brand of medication.
They have denied more claims for me than approved, and did not cover prior prescriptions or have inflated the cost. Speaking to their customer service line is also a nightmare, as it seems that their workers either just hang up your call or have no idea what youre talking about. I have been told that I cannot file an appeal on a claim on my behalf and that my provider needs to initiate an appeal which is not true as stated in paperwork received.
I have submitted a grievance for being billed for lab work because it was "Out-Of-Network" even though my PCP is "In-Network" and I have no ability to know where my labs will be sent. I have never had health insurance issues like this UNTIL switching to oscar.
It may work for some, but not for me. I am extremely dissatisfied and urge folks to find a different health insurance provider or even go without, because the headache with Oscar is immense.
4 years ago
Reply from Oscar
Linda, 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.
Mar. 31st, 2022
Tim C Los Angeles, CA
Stay away from Oscar! Worst customer service ever. I had Oscar Health Insurance through Covered California from 2020-2021. They wrongfully terminated my coverage, and I had to appeal to the California Department of Managed Healthcare to get my coverage reinstated. I have had Kaiser, Blue Shield, Aetna, Sharp, and other insurances in my 62 years of life, and I have never had problems like I have with Oscar. What's funny is they advertise themselves as a better kind of healthcare. It's all marketing. It is a get filthy-rich scheme started by three freshly minted Harvard MBA grads who have no experience in the insurance industry. Be warned.
4 years ago
Diane Shuss New Philadelphia, OH
I received disability in March 2021 for a terminal condition. I looked at marketplace online and decided to wait because I was going to go through my husband's work. I was an RN for decades with my own plan through the hospital. At tax time say Dec..I get a IRS form saying I had been with this company. Then the letters started coming from Oscar that I had not seen before. I had never paid a cent to them. I never got cards, a welcome pack like they say... Nothing. Ever. Until now. Even knowing I had been covered would have been helpful, now I'm getting bills from them after reporting fraud. This is causing issues with tax filing and many other stressors. I did NOT have this insurance. I did not sign up on line. The lawyer said it's a fraud., But when I call Oscar I'm told they will put it in their system. No they have not. I contacted the OHio Attorney General and am waiting on a reply. I just want this fixed. I did not at any time agree to this insurance. Ever. I'm eligible for Medicare in July. I am dying is that not enough? What in the world is going on.
Diane Shuss
4 years ago
Reply from Oscar
Diane, 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 so that we may look into this for you.
Mar. 16th, 2022
DL Port Saint Lucie, FL
If you do not live within an area that has an Oscar Care Center - the insurance is horrible.
If you try to use Virtual Care - you are asked why you do not go see a primary care
and you are only allowed to see your primary care 1 time per year
Screenings are supposed to be covered - for labs and some procedures - but they are not.
Any procedure has to be done in a PCP office - which is not realistic because most primary care offices do not offer labs, ekgs etc ... So the documentation about services is very misleading
Prescription coverage is not what it says. There are high copays for many meds and you cannot get the mail to you options if you cannot pick them up at one of the so called Oscar Virtual Centers. Oscar will take your money as a client, but not tell you that you need to live close to their Office.
Unless you live in a city that offers their clinics - there is better health insurance.
If Services are not available through an Oscar Network and you have to be seen for an emergent need - your claim will be denied
For Covid - Oscar did not have service available at their in-network hospital - so I had to seek emergency care at an out of network system - but Oscar denied the claims.
I suppose saving them a thousand dollars is more important than my health - I feel
Even for catastrophic - you have to meet your 8000 deductible and then it will only pay 50 percent
For a plan that cost 800 per month - I would expect more
At first it seemed that Oscar had patient care and well being in mind - In my second year with then - I feel this is not so
I will be canceling them
I am a Nurse that has done case management. I know what is right and wrong, so no I cannot recommend them
4 years ago Edited March 15, 2022
Reply from Oscar
DL, 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 so that we may look into this for you.
Mar. 16th, 2022
Lila B. North Hollywood, CA
I had Oscar Insurance for a majority of 2020 and paid a pretty penny for a premium for most of the year. I had bloodwork done by Quest at the end of 2020 and was told in writing by Oscar that my copay would be $20 which I immediately took care of. 13 months later, I'm still dealing with bills from Quest that Oscar keeps telling me they are taking care of. I reported them to the BBB and they lied and told the BBB that the matter was taken care of but I am still receiving bills from Quest. I'm still getting bills today and will soon have to take this matter to court if Oscar doesn't do their job. This is the worst insurance I've ever had and I'll take this review down once Oscar actually does their job.
4 years ago
Reply from Oscar
Lila, 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 so that we may look into this for you.
Mar. 8th, 2022
Robert Martling Boston, MA
I signed up for Oscar after losing my job. I would advise against it if you have any options. At first they were charging $400 a month for coverage and $200 for each insulin prescription. So $800 a month for just insurance and insulin.
After a law was passed to cap insulin copays at $50 I thought I would be saving a lot of money, but Oscar breaks the law. They kept charging me and they make you file paperwork and complain and jump through hoops to hold them accountable. Eventually they started following the law and my copay went down for a while. But recently they raised the price back up. And it’s not like I can call the cops on them. So I have a lot more work to do, again. I feel like I pay way too much for them to treat me like this.
Also every hospital visit I’ve had has been ridiculously expensive. It just doesn’t make sense. I pay a premium price for garbage insurance. 0/10 would not recommend to my worst enemy
4 years ago
Reply from Oscar
Robert, 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 so that we may look into this for you.
Mar. 4th, 2022
Cami Love Miami, FL
I am not pleased with Oscar. I am currently on the line with customer service ( more than an hour) with someone overseas regarding my father . He is admitted into the hospital. Almost two weeks with a stroke! They have denied his care to go to a Rehab facility. I have been placed on hold more than 6 times, I have been trying to get ahold of the claims department to appeal this denial. She was not giving us the answer that we needed nor did she ever attempt to send our call over to someone in the claims department. We spoke to this individual yesterday and today. She even changed her name. Yesterday was Ethyl and today was Honey. We were placed on hold AGAIN after 1 hour + , only for her to hang up on us. I am dissatisfied with Oscar. No one is there to get an answer. Customer service is basura!
4 years ago
Reply from Oscar
Cami, 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 so that we may look into this for you.
Feb. 28th, 2022
