Oscar
3.3
6.9
Overall Score
brendan Pelham, NY
Premium rises every month to cover careless spending on Oscars behalf. I began paying 100, now I pay up to 200 a month. In addition, Oscar refuses to cover any of the costs of my medication or OON doctor. My monthly health insurance bill without (physically sickness) doctor visits, dental, etc = 2900 a month.
Oscar is an expansion of Obamacare. Without tax paper funding Oscar doesn't exist. Let me ask you? Did Obama envision a bill - that is going to drive sick people in credit card debt as they cant afford "affordable" health insurance ? He did not care, he pushed it through when it was not ready. Now we are all suffering the consequences. Companies like Oscar can now take advantage of loopholes and ensue with predatory practices. I think it is disgraceful.
8 years ago
Reply from Oscar
Hi Brendan, we’re sorry to hear you’re frustrated. It sounds like there may be a bit of confusion happening. Please be aware that premiums never change mid-year unless you have a subsidy from the State that is adjusted by them. While we did increase the premium price of some plans for the 2018 plan year as a result of the rising cost of health care services like doctors, hospital care, and drugs, the premium will not be subject to change again until the 2019 plan year. Rest assured that a minimum of $0.85 of every $1 we receive in premiums is spent directly towards health care claims for our members, the other 15% is used for our operating costs.
Oscar is an EPO (exclusive provider organization) which means that, with the exception of emergency care, we only cover services with in-network providers. This information is included in all of the plan documents you received upon enrollment. We also do not offer any adult or vision services on our health plans. We’re always here to help you understand your plan and benefits, please don’t hesitate to reach out at 855-OSCAR-55 and we’ll be happy to answer any questions you have.
Oscar is an EPO (exclusive provider organization) which means that, with the exception of emergency care, we only cover services with in-network providers. This information is included in all of the plan documents you received upon enrollment. We also do not offer any adult or vision services on our health plans. We’re always here to help you understand your plan and benefits, please don’t hesitate to reach out at 855-OSCAR-55 and we’ll be happy to answer any questions you have.
Feb. 22nd, 2018
Francisco Bell, CA
This insurance is of no value to me. The plan that I had cost over 220 dollars and the deductible was over 4,000 dollars. It included no coverage what so ever unless you had already paid over 4k in medical expenses. At least with previous insurance they gave me 2 urgent care visits and a checkup. This insurance offers nothing. What a rip off. I don't recommend it for anyone. Even if you have obama care, it is junk. In fact, I think it is because of obama care that insurance companies get away with this because obama care subsidizes it.
Customer service was quick on the phone when I called but guess what? the doctors listed on their site don't want to take the insurance because of high deductible even when they are listed on their web app as providers.
Also online support cannot answer cost of blood work or services, they say they don't know because it is a negotiated rate. It is a total scam. Obama care is like free money to the industry and why would a negotiator negotiate in your favor if they have no stake in anything (because free money).
Oscar was not able to deliver any value to me. Money down the drain. I am upset.
8 years ago
Reply from Oscar
Hi Francisco,
We’re sorry to hear you feel this way. A deductible is the amount you pay for non-preventive covered services prior to your insurance provider contributing. If you’re on a plan with a deductible, you will be responsible for the full negotiated rate of non-preventive services. All of this information is provided on our website upon enrollment as well as included in your welcome kit that was sent after you enrolled. Please be advised that all Oscar plans cover preventive care in full prior to the deductible being met (such as an annual physical with an in-network primary care doctor). For more information on your fully covered preventive benefits, give us a call at 855-OSCAR-55 and we’ll be happy to review this with you.
As for providers not accepting Oscar because of the deductible, please give us a call and let us know which providers told you this and we’ll be happy to reach out and educate them. Our network is non-discriminatory and providers are in-network with us for all of our plans, not just some. Let us know the specifics and we’ll certainly get in touch with them to rectify this.
Unfortunately cost estimates are difficult to provide for two reasons. While we typically know why we're seeking care (maybe for a general check-up or a specific concern) we don't always know the kind of care we're going to need. Even when we do know the care we're seeking, the treatment is provided as a part of a care episode and may include other supporting services we're not anticipating. For example, if you go to see your provider for a cough, you will expect to pay for the office visit; however, diagnostic tests administered within the visit - such as breathing tests, labs ordered, or prescriptions sent may result in additional charges. Moreover, the charge you incur will vary depending on the setting in which you see a provider as well as that provider's specific credentialing and qualifications. While we are committed to providing cost transparency when and where we can, these factors make cost estimates hard to pin down. Above all, we want to make sure we're providing you an estimate that we can stand by so that you can make a decision with confidence and would never want to provide an estimate that could be inaccurate.
We’re sorry to hear you feel this way. A deductible is the amount you pay for non-preventive covered services prior to your insurance provider contributing. If you’re on a plan with a deductible, you will be responsible for the full negotiated rate of non-preventive services. All of this information is provided on our website upon enrollment as well as included in your welcome kit that was sent after you enrolled. Please be advised that all Oscar plans cover preventive care in full prior to the deductible being met (such as an annual physical with an in-network primary care doctor). For more information on your fully covered preventive benefits, give us a call at 855-OSCAR-55 and we’ll be happy to review this with you.
As for providers not accepting Oscar because of the deductible, please give us a call and let us know which providers told you this and we’ll be happy to reach out and educate them. Our network is non-discriminatory and providers are in-network with us for all of our plans, not just some. Let us know the specifics and we’ll certainly get in touch with them to rectify this.
Unfortunately cost estimates are difficult to provide for two reasons. While we typically know why we're seeking care (maybe for a general check-up or a specific concern) we don't always know the kind of care we're going to need. Even when we do know the care we're seeking, the treatment is provided as a part of a care episode and may include other supporting services we're not anticipating. For example, if you go to see your provider for a cough, you will expect to pay for the office visit; however, diagnostic tests administered within the visit - such as breathing tests, labs ordered, or prescriptions sent may result in additional charges. Moreover, the charge you incur will vary depending on the setting in which you see a provider as well as that provider's specific credentialing and qualifications. While we are committed to providing cost transparency when and where we can, these factors make cost estimates hard to pin down. Above all, we want to make sure we're providing you an estimate that we can stand by so that you can make a decision with confidence and would never want to provide an estimate that could be inaccurate.
Feb. 22nd, 2018
Jessica Pompton Lakes, NJ
I enrolled my parents into Oscar and I feel terrible about it. At the time of enrollment, the market place website did NOT say thy were responsible for FULL PRICE visits/tests/etc until they met their deductible. What is that? My parents pay for full contracted rates for visits and now my father needs to see his doctor frequently. Once he meets his deductible, they'll cover 50%. Seriously? This was not on the website. I wish I could replace their place but unfortunately I will have to live with this regret for the entire year. Free incentives? None of them make up for what they have to pay. Also, everytime I search for a doctor on the website, 90% of the time, the doctor is not really the type I searched for or their office info is outdated. It gave me a MD that was 1 mile from my house but in reality, that MD hasn't been in that office for over 10 years. Please hire me so I can update your system.
8 years ago
Reply from Oscar
Hi Jessica, we're sorry to hear your unhappy with your parents' plan choice. All of our plan structures can be found on our site here: . For more in depth information, you can click "Compare plan features" for detailed information on how coverage on each plans work. As for incorrect data when searching for a doctor, we do our best to keep all of our information up to date, but sometimes contract information that provider offices send over to us is not always up to date. In these cases, just give us a call to let us know what was incorrect about the information and we'll be happy to escalate it internally to be updated. We're also always here to help you understand your benefits, so please don't hesitate to reach out to us: 855-OSCAR-55.
Feb. 16th, 2018
Heather McCormick Austin, TX
BEWARE THIS COMPANY!!!! I NEED CANCER SURGERY AND THIS COMPANY WON'T GET ME TO A SURGEON. I was diagnosed with melanoma (skin cancer) by an Oscar network dermatologist and told to get scheduled right away for a resection of melanoma and sentinel lymph node biopsy with a surgical oncologist. I live in Austin and there are plenty of qualified surgeons to do this, but not one of them is in Oscar's network, which tells you how inadequate their network is. First Oscar referred me to doctors who only do breast cancer. Then they again referred me to two more inappropriate doctors who do only endocrinology and breast cancer--obvious from their bios if Oscar had bothered to read them or call. Their latest third option now is to send me to a hick town in Taylor, TX 75 miles away, with a doctor who specializes in pancreatic and liver cancers but does other stuff (because it's a small town), and who doesn't have surgical availability for weeks, rather than find me an appropriate doctor who deals with melanoma every day and can do the surgery timely. I even offered to go to Dallas or Houston or another metropolis if I had to in order to have an appropriately qualified doctor and have my surgery timely. But Oscar can't seem to manage that either, or to authorize an out of network surgeon here in Austin, even though I would be paying some or all out of pocket from my high deductible. They give you a "case manager" who can't authorize anything, and then when you ask to speak with someone who can, they tell you the authorization people don't speak to customers. And then random people who know nothing about your case text you inappropriate physician referrals instead of your case manager managing anything. Zero urgency, zero competency, zero caring that I am not getting the surgery my physician told me to get promptly. This is how you will be treated when you have CANCER people. Stay away from this company at all costs!!!
8 years ago
Reply from Oscar
Hi Heather,
We’re very sorry to hear this, thank you for bringing this issue to our attention. Due to privacy laws, we’re unable to discuss the specifics of your care or private health information here, but our representative Katie along with nurse Elizabeth, are working to bring this to resolution ASAP. They will be keeping you updated on the process as well as next steps. Please don’t hesitate to reach out to them with any questions or concerns. We apologize again for the negative experience.
We’re very sorry to hear this, thank you for bringing this issue to our attention. Due to privacy laws, we’re unable to discuss the specifics of your care or private health information here, but our representative Katie along with nurse Elizabeth, are working to bring this to resolution ASAP. They will be keeping you updated on the process as well as next steps. Please don’t hesitate to reach out to them with any questions or concerns. We apologize again for the negative experience.
Feb. 6th, 2018
lori North Royalton, OH
Signed up with Oscar on 12/17/2017. Still waiting for welcome kit and insurance card. Was told it has been sent twice. They are sending again should take 5-6 days from NY to Ohio, really!! Would not overnight it. Would not cover the Lyrica that I have been taking for almost year, but would cover gabapentin. I took gabapentin before and did not work for me. They won't cover because because of cost, Lyrica is a name brand and has no generic brand. It's all about cost, not what works for you. They require prior authorization from your doctor on just about everything. If your dr. writes a prescription then you need it, why would your dr. need to say it again that you need it. Prior authorization's take forever with this company I believe they do it on purpose so that you will give up. Many drugs they will only cover for example 15 pills for 25 days when you dr. prescribes 30 pills for 30 days. They are an insurance company not a medical professional. Another medication I am prescribed needed a prior authorization per their drug company, CVS caremark, although Oscar said no prior authorization was needed and Oscar sets the policy. Spoke with two representatives at CVS caremark and one, Karen, spoke generically about Ohios new law which has nothing to do with my policy or prescription from my doctor, the other representative, Crystal, asked me if I had taken this medication before. Crystal has no right to ask me these types of questions, she is not a doctor, nurse or in the medical profession. What bearing does my answer have on if Oscar will cover the medication. I will tell you NONE . I am sorry that I signed up for this insurance. Their website is geared to millenials you do not even have insurance.
8 years ago
Reply from Oscar
Hi Lori, we’re sorry to hear you’re frustrated. Due to privacy laws, we're unable to discuss the specifics of your private health information here, but we're happy to address your general concerns. Some medications do require prior-authorization for coverage or certain quantities. This means that the prescribing doctor needs to submit documentation through CVS Caremark, our prescription partner, indicating that the prescribed medication or quantity is medically necessary. Once the prior authorization is received, it will be reviewed by a clinical team then approved as long as it is indeed deemed to be medically necessary. Any prior-authorization requirements will be listed in our online search. To access this information, you can follow the following steps: visit > enter your plan type and location > using the dropdown menu on the left, toggle the search feature to "drugs" enter the medication you're looking for. From there, any quantity limits or prior-authorization requirements will be listed. We also apologize that you had a negative experience when you contacted CVS Caremark. If you reach out to us at 855-OSCAR-55, we’ll be happy to look into this and escalate the issue as needed. As always, please don't hesitate to reach out to your concierge team with any questions or concerns.
Feb. 6th, 2018
Santhosh Jacob San Antonio, TX
I have never seen a insurance change its billing several times after the service was performed. My wife gave birth to our son last January. They covered all the expenses. Later in NOVEMBER, i get a bill for 15,000 because my son was taken care of by out of network doctors in the NICU which I had no idea was being done. How was I supposed to know that? My son also needs a hearing aid. They had a written statement stating that they will cover 100% of the hearing aid price. They then bill us months later sayign we have to cover 10 % of the cost which was about 500 dollars.
I wish I could choose a better insurance company. I am unfortunately stuck with Oscar because of obamacare. Please help me if you guys have a heart. I have been through tremendous stress on trying to come up with the money to pay these bills.
8 years ago
Reply from Oscar
Hi Santhosh, we're sorry to hear this! Due to privacy laws, we're unable to discuss the specifics of your family's private health info here, but please don't hesitate to reach out to us at 855-OSCAR-55 or at and we'll be happy to look into this. Please be aware that Oscar never bills members for anything other than premium payments. If you're receiving a bill from an out-of-network provider, it's possible that they never submitted a claim to us for payment and we can reach out to them to coordinate this. Give us a call and we'll be happy to help in anyway we can!
Jan. 31st, 2018
Korey Kingston Springs, TN
Warning: If you want an insurance company overrules what your Dr. prescribes Oscar is for you! I am very unhappy with Oscar the short time I have been with them. First off, I spent 3 hours of my morning trying to understand why my prescription is not being filled. The reason is took me 3 hours is because their customer service technical issues dropped my call every time I called. Finally, when I spoke with someone they informed me that another company handles their prescriptions. This person from the prescription company said that Oscar will only pay for the 60 out of the 90 pills of adderall I'm prescribed per month. Note: I've been taking this prescription for over 8 years. They said it was because it was an Opioid. I indicated to the rep that this wasn't an opioid and she changed her tune that this was a controlled substance. I'm beyond baffled how an insurance company can decide how much medicine I should be prescribed over a medical professional. Please note that none of this was ever explained to me in my benefits prior to enrolling with Oscar Humana. Please reconsider the amount of money you will supposedly save switching to Oscar. I will be cancelling our service and changing to Blue Cross for myself and my employees.
8 years ago
Reply from Oscar
Hi Korey,
We apologize for the frustration! We did have a brief technical issue on January 15th that resulted in some calls dropping, but this has since been resolved. We're very sorry for the inconvenience! Due to privacy laws, we're unable to discuss the specifics of your private health information here, but we're happy to address your general concerns. Controlled substances generally have a quantity limit for coverage. This means that if an amount beyond the designated quantity limit is prescribed, it requires prior authorization from a doctor. All this means is that the prescribing doctor needs to submit documentation through CVS Caremark, our prescription partner, indicating that the prescribed quantity is medically necessary. Once the prior authorization is received, it will be reviewed by a clinical team then approved as long as it is indeed deemed medically necessary. Any quantity limits will be listed in our online search feature. To access this information, you can follow the following steps: visit > enter your plan type and location > using the dropdown menu on the left, toggle the search feature to "drugs" enter the medication you're looking for > Once on the search page for the medication, toggle the dropdown menu to reflect the prescribed quantity. From there, any quantity limits or prior-authorization requirements will be listed. Apologies again for any frustration! As always, please don't hesitate to reach out to your concierge team for help–you shouldn't hit that call issue again!
We apologize for the frustration! We did have a brief technical issue on January 15th that resulted in some calls dropping, but this has since been resolved. We're very sorry for the inconvenience! Due to privacy laws, we're unable to discuss the specifics of your private health information here, but we're happy to address your general concerns. Controlled substances generally have a quantity limit for coverage. This means that if an amount beyond the designated quantity limit is prescribed, it requires prior authorization from a doctor. All this means is that the prescribing doctor needs to submit documentation through CVS Caremark, our prescription partner, indicating that the prescribed quantity is medically necessary. Once the prior authorization is received, it will be reviewed by a clinical team then approved as long as it is indeed deemed medically necessary. Any quantity limits will be listed in our online search feature. To access this information, you can follow the following steps: visit > enter your plan type and location > using the dropdown menu on the left, toggle the search feature to "drugs" enter the medication you're looking for > Once on the search page for the medication, toggle the dropdown menu to reflect the prescribed quantity. From there, any quantity limits or prior-authorization requirements will be listed. Apologies again for any frustration! As always, please don't hesitate to reach out to your concierge team for help–you shouldn't hit that call issue again!
Jan. 16th, 2018
PDrew Austin, TX
So far not impressed. Nightmare really. Switched to Oscar effective Jan. 1, 2018. Went for my annual woman wellness exam on Jan. 10. Doctor found lump in breast and ordered mammogram, pretty routine next step - I'd have had a mammo even if she didn't find lump given my age. Turns out Oscar is not contracted with anyone in my market to do the more advanced mammo given the finding in a routine exam. Isn't this why we have these routine, yearly exams? Spent hours on phone with Oscar and they even called providers in town to locate one and when they transferred me, turns out they don't do this type. Arrgh. So frustrating. Just need to know if this is cancerous and can't find anyone to do the mammo because I'm with Oscar.
8 years ago
Reply from Oscar
We're very sorry to hear that you've been having trouble finding in-network options! Qiana, one of our supervisors, has reached out to you to help. Please don't hesitate to let her know if there's anything else we can do to assist!
Jan. 12th, 2018
Sharon Solomon San Antonio, TX
Kristin A. is a very awesome nurse she answered all my questions and goes above and beyond to get everything my mother need. Thank you for all you do.
8 years ago
Bruce Thomas Richardson, TX
After my Oscar insurance was denied at a Tom Thumb last year for a flu shot (which is supposed to be an Oscar network pharmacy), I was very curious to see if that was a one-time glitch (a flu shot after all is a ACA government mandated benefit), or Oscar's usual practice. In late August, after providers and insurers were heavily advertising "free flu shots," I took my Oscar insurance card to a local Walmart for a shot. Nope; not even enough info on the card to process a claim, I was told. Then I took my card to Tom Thumb. Similar response; not enough info on the card to process a claim. But this very helpful pharmacist offered to call Oscar. After a considerable time on hold and then talking to an Oscar rep, she tells me that the rep said that Oscar would pay for the vaccine, but not for the administration of the shot. But the rep couldn't explain how she was to break that out; she would need to call back Monday she said. Obviously that was bad information, so then I went online. Yep, the Oscar website says flu shots were covered at no additional cost. So I asked the online "concierge" "what you have to do to get the flu shot. First response - the website is out of date; we stopped paying for flu shots last Spring; sorry you missed the deadline. I protested this ridiculous response, then was told maybe that answer wasn't right after all, but he'd have to get further information to be sure he gave me the right information. (I guess you just make it up the first time?) Most of September goes by and no follow up, while every reputable ACA insurer is busily paying for flu shots all over the country. Obviously I'm just getting the run around from Oscar, so I go ahead and pay for my flu shot at a Walgreen's while in the store for other purposes, and plan on submitting a claim manually. A week or so later, I finally get a follow up from the "concierge" that I can now get a "free flu shot"; just don't go to a Walgreen's! Incredible. All this just to beat me out of a flu shot. I can't imagine what would happen if I actually needed serious medical care. We will definitely switch health insurance carriers next year. Even if we have no choices, I would self-insure and pay a tax penalty before wasting my money on Oscar any further.
9 years ago
aaron h Rowlett, TX
Oscar is a complete rip off. they claim you get 1 free visit a year but really don't specify (but I am sure in small print somewhere) that that 1 free visit is only for a physical and/or lab work. me & my husband paid $700/month - neither went to the dr ever - and the 1 time my husband goes for a sinus infection, Oscar doesn't cover it and we get billed.
I call them and they say they don't cover 1 free visit a year if you are sick. are you kidding me!?! so people, just an fyi - if you get a cold or something, you don't get any coverage. I would drop the insurance if you are a well person since you shouldn't be taxed for not carrying it now...
9 years ago
Ken Blackwell
Absolutely the worst Health Care Provider in the US. Period. We've had nothing but issues. Their customer service is the worst part. Let me just say this. I enrolled, paid and was waiting for service to kick in for a month. A month after I enrolled and paid I was not in the system. Every time I called it took hours...literally hours and multiple calls to get to a human. They lied about dental coverage and then called my wife & I liars. Oh yeah, literally called us liars. Rude worthless people that make excuses at every turn, yet some how it always ends up our fault there was an issue. By the way, all this BS and we have yet to file a claim. 4 months in and still the worst experience I've had to date. Not just with health care. In general!!!!!
9 years ago
Tim B Newark, NJ
I have a Family of 4 and unfortunately have Oscar Gold. Truly the worst Health insurance company. Premiums continue to skyrocket -currently paying 1500.00 a month. Premiums increased 60% in 1 year - deductibles to meet for the year 2016 are up to $6000.00. We recently received notice that they are cutting their network back. I have all but one doctor remaining in the Oscar network. Some of my doctors I have been with for 20+ years. They sent us a letter last month Stating our current plan will no longer be avaiible for 2017. The new plan that we will have to get will have a yearly deductible of 8,000 and still do not know what the premium will be!
This month they sent me a fantastic letter stating that on December 31,2016 I will not be eligible for New York State exchange insurance.
To top all of this off. My wife was just diagnosed with aggresive cancer that is affecting the an organ now. I am currently seating in the out patient area of the hospital trying to get a port placement for her chemo treatment. This is something that was suppose to be preformed 3days ago. I arrived at the hospital at 6am Thursday and the nurses started to prep her for surgery, so she can receive her first treatment of chemo. At 6:30am the nurse has made me aware that they have nto recieved confirmation from the Insurance company still. They tell me they have to stop until they get in touch with Oscar insurance and they do not open till 8am.
The good news is that I did submit an application for expensive insurance carrier which has extremely great coverage. I will struggle to pay the premiums, but how can I put a price on my wife's care !!!! This is a true event!!
9 years ago
Iman Saleh
I went to one gyno visit for an annual checkup after being with Oscar for over a year, and they already are trying to scam me by making me pay for what was supposed to be a free annual checkup. I did everything right, picked one of their network doctors, and yet now I'm stuck in this red tape hell and the issue is not resolved, the doctor claiming Oscar won't pay for the HPV preventative test (which I didn't even ask for, but is supposedly routine) while Oscar claims in does pay for it, but that the doctor did not enter it as a preventative HPV test. The doctor said yes I entered it as preventative, and insisted on a three-way call. Finally after hours of getting passed around the Oscar people said oh gosh actually yeah looks like it was listed as preventative--AND YET IT'S STILL NOT OVER. They have to have a committee decide or something. It's an issue of $124 for something I was promised would be free. I've paid this company over $5,000 at this point, am healthy with no issues, went to one checkup and they're fighting me over $124.
9 years ago
Jim New York, NY
I have had Oscar for a year and was satisfied until July when my doctor dropped out of a group and Oscar refused to admit him to their network. So, I must pay $100 to see my family doctor, which is something I can live with. However, Oscar is dropping the entire NYU Network at the end of 2016 and they dropped the Cornell-NY Hospital network in March 2016 so I am reluctant to stay with Oscar as they may drop more doctors and hospitals during the year 2017 - they can drop providers but once one is committed to them, the subscriber is married to Oscar for an entire year - not fair. Their customer service gives me bulls**t every time that they are forming their own network but I wonder if Oscar will even last the entire 2017 year a smaller and smaller networks will eventually lead to going out of business. Therefore, if I stay with them in 2017, it will not be for a platinum plan but may just take a gold plan as I don't really know too much about the other companies. But right now, I am investigating all and every option out there for me in the NY area. I feel that by cutting their network options in more than half, Oscar is telling its subscribers to go to h*ll.
9 years ago
Peter Lorre Spring Valley, NY
A startup designed to profiteer off of the affordable care act. Bumped me from the catastrophic plan, as I turned 30, resulting in a 333% increase in premiums and an increase of 300$ in deducible. If that wasn't obscene enough they're slashing their network for 2017 as well as hiking premiums and deductibles across the board. They flood the subways with colorful cartoon advertisements in an attempt to snare as many people as possible and then provide virtually no coverage whatsoever, Maybe they could reallocate some of their advertising budget into providing a decent service. American medicine is a grotesque show of human greed and indecency and Oscar is the perfect posterchild.
9 years ago
Liz New York, NY
Oscar used to be ok, now totally horrendous. Horrible and useless customer service, things that are covered on paper, aren't necessarily covered in practice, and now the network of providers has shrunk drastically, so finding a decent doctor who would take this insurance is mission impossible type of thing. AND their rates have just gone up too.
So, all in all, they don't want to pay, they don't want to help, they don't care if you have any healthcare-related issues. The only convenient thing is the app, which doesn't work that flawlessly, especially the steps program... they just sync as many steps as THEY would prefer, so even if you did walk over 10,000, the app might just show 9,000 or something, so you don't get your dollar.
Wouldn't recommend this health insurance, as it is expensive, offers small network, has really bad customer service and won't cover pretty much anything.
10 years ago
Debbie Christine Tjong Astoria, NY
This is the worst health insurance company I've had to deal with. My doctor left the network in the middle of the year, but I had to have follow up appointment with him. I applied for a Continuation of Services and was approved on June 20th 2016. Upon receiving this information by phone (both my provider and I), we proceed to schedule an appointment for July 5th. Shortly after, we received a letter saying that the Continuation of Services expires on June 30th 2016. What were we suppose to do with such a short amount of time? My provider and I both called it to ask about this because it seemed like a mistake, and they said that they would issue another letter to extend the dates to cover the appointment on July 5th since that was made AFTER we received the approval. THAT NEVER HAPPENED. It also mysteriously disappeared from the notes they had on file. After the July 5th appointment, my doctor told me I have to have surgery on my throat and we again tried to extend continuation of services. this time it was denied. My only solution now is to wait till next year when I switch insurance. I can't work, because I cannot use my voice and I need surgery to be able to use it. Now I'm stuck with a bill of $1783 for the doctor's appointment made on July 5th because Oscar would not cover it, stating that the Continuation of services only last 3 months from when the doctor's left the network. That is ridiculous.I applied for the continuation of service beginning of June, and did not get approval till late june, and it expires end of June??! That does not make any sense. It seems that Oscar is just trying to wiggle their way out of paying for bills. My provider only made the appointment for me because we got the call that the continuation of services was approved. I'm at a loss of what to do now because I cannot receive health care i need, and I'm stuck with this bill. DO NOT GO WITH OSCAR. When it really counts, they do not help. I've spoke today with Margery from member's services who, aside from reading back the notes on file to me, could not help me, could not direct me to Jennifer, with whom I've spoken with before, could not transfer me to a supervisor, and seemed offended when I tried to ask her for her name. No empathy, no help at all. I feel bad for everyone who's sick and needs healthcare and have to deal with people and a company that don't care about the health of their members first.
10 years ago
Christine Kessler Pierce San Antonio, TX
Signed up for Oscar Gold plan due to need of medical equipment. Trying to order a wheelchair since January 2016 and STILL getting the run around. They've been caught in lies blaming everyone else for the delay. They don't pay for most medications, including my son's inhaler or any kind of inhaler. They call it an uncovered script that is out of network and all inhalers are out of network - so if you have asthma DON'T CHOOSE OSCAR!! My Dr. said he is having the same issue with his other patients who have this insurance. THEY DON'T HELP THE OSCAR MEMBER - THEY ONLY TAKE YOUR MONEY, LIKE MY $712 A MONTH. SHAME ON THEM. OSCAR IS A RIP OFF COMPANY IN MY OPINION - However, they did pay for my 24 hour hospital stay for a minor procedure after I paid the first $3,000 so I will rate them a 3. I am very disappointed with Oscar - more because their phone/email assistants have "canned responses" to why they are dragging their feet on getting my son his wheelchair. Their delay is physically hurting my son. I'm thinking of seeking an attorney for the irreversible damage they are causing my son to incur.
10 years ago
Emilie Ladera Ranch, CA
I was initially sold on Oscar due to their marketing towards millennials and claims to be different than other health insurance companies. However, from the first day that my insurance plan with Oscar went into effect, I realized that they are all smoke and mirrors. It took me hours of calling providers listed on their website as "in-network" to find a doctor that actually took Oscar insurance. Finally, after finding a doctor that took Oscar, there were issues with figuring out which services were covered. Literally every single time I have contacted the customer service phone number, I have received complete misinformation from customer service representatives. They are clueless about everything. I am currently pregnant and after contacting Oscar representatives I was specifically told where to order a breast pump from, and when I went to place the order, the company said they don't work with Oscar!! Of course this was frustrating, but imagine my frustration, when, 7 months pregnant... And now the SECOND company Oscar reps told me to order from also denied me for a breast pump saying they are not contracted through Oscar! The severe lack of communication across the board, from educating physicians offices they are listing as in-network to providers of government mandated medical supplies to communication with customers... Oscar should be embarrassed of themselves for how horrible their service is.
10 years ago
Annie Marter New York, NY
I had to cancel my service because I got a new job with a new plan, and received a bill after my insurance was terminated- when I tried to pay the bill, I was not able to log in to the site nor access the billing information because my account was no longer active. When I told this to the operators who answered the call, they told me "there was nothing they could do" and were not able to provide me with the information as to how to pay my bill. All I was trying to do was pay my bill. It took about 2 hours to resolve this ridiculous issue. Not to mention, their deductible is preposterously high and there are no good doctors that accept their plan. THIS IS THE WORST HEALTH INSURANCE I HAVE EVER HAD.
10 years ago
Marla Pinsky New York, NY
Terrible insurance company. If you call you will wait on hold for long periods of time. You will get hung up on and transferred around. Forget trying to get actual medical care. NO ONE takes Oscar. When I was first looking for a primary care physician I spent 6 hours calling doctors from the list that was provided on their website. 3 of the phones were disconnected. I called a realty office, a florist and an auto body shop. I thought maybe I misdialed. No such luck. One doctor on the list had didn't work at the practice at the number provided for 3 years. Oscar hasn't even been around that long. So after calling trying to find a doctor I called Oscar customer service livid. I said I spent the day calling to try to find a doctor and was unsuccessful and that they were going to have to find me a doctor. The next day I get an email with 3 phone numbers on it. I call them. One was a rheumatologist. One was a pediatrician. only one was a primary care doctor. When I called the primary care doctor they said they were taking new patients but they couldn't get me in for a month. I said thank you no. I called customer service again. They at least said they were sorry. To make a long story longer I did finally find a primary care physician. Oscar did find the doctor and they did set up the appointment. I am no longer with that doctor because a full blood panel isn't covered at by Oscar from the lab they use. I am financially unable to pay over $300 for a full blood panel. The prescription care is laughable. I was prescribed eye drops and an inhaler for allergies. The eye drops weren't covered at all and the pharmacy said they would cost over $300. The first inhaler was going to cost over $200. Apparently seeing and breathing isn't a priority for Oscar insurance. They just want my money.
10 years ago
Daniel Wilson Brooklyn, NY
I spoke with my provider and they had a list of tests I needed that were approved by Oscar but that they could only give me their "standard" prices on, not the negotiated prices. For that I would have to call Oscar.
So I did.
Talking to Oscar the woman I spoke with just kept insisting that those costs were not available. Which seemed strange as they are the company that negotiated them. So they exist, but they just choose not to share them. So now, I have no way of knowing how much I will have to pay for these procedures in advance which is ridiculous. What other product/service can you be refused knowledge of the price before you buy?
They did offer to give me ballpark prices for procedures which I was NOT having done. Which was, as you can imagine, extremely helpful.
10 years ago
Maria Brooklyn, NY
The only good part about Oscar was the Dr on call feature, which I took advantage of when I knew I had an ear infection and needed antibiotics. For anything else, beware. I had the cheapest most basic coverage because I'm generally healthy person. One day, I had to call 911 to go to the ER for what I thought was appendicitis. The ER doctor wasn't sure but was worried, so they admitted me for observation and further testing. At first, Oscar only covered my ambulance ride and told me I should have been treated outpatient, that my life was not in danger. Clearly my life was in danger if they felt it necessary to admit me. I fought their lack of coverage, which was a huge time and energy suck. Customer Service reps would often open my file and end up saying "You know what, I really want to investigate this further. Can I call you back tomorrow?" and then never call. Oscar ultimately ended up with them covering my stay (I mean, at least I think they have...with Oscar, you never know when you're going to receive a new EOB or bill!)
10 years ago
dallasdebra@yahoo.com Quinlan, TX
Not helpful when you call them. make excuses not solve problem, unable to get on oscar website and they suggest you try other programs to access their site, or that the public servers are not working. Total bull. Not helpful when trying to fill first drug order for the year - they have collected money for 6 months with no pay out...now they are not interested in correcting the website problem so I can get online to order my meds. Did finally manage to get them to give me the phone number to caremark cvs to do mail in medication renewal..Course I will be without my medications for a couple of weeks because of this.
10 years ago
George cancelled OSCAR Los Angeles, CA
OSCAR Health Plan in CA is nothing other than a list of providers that don't even know they signed up to accept the plan. Impossible to get any doctors to accept the plan in spite of their supposedly being a provider. OSCAR customer service is always apologetic and says their new in CA, but at the end of the day, it's the members who pay the horrible price of not getting care when and where they should. Additionally, the customer service is on the east coast and totally unaware of the logistics in CA which results in their trying to help send members to doctors, in some cases, hours away. Call backs from complaints and resolutions are two days from the day you help but you'll be luck to get a call back to resolve the issue completely. This plan should be rejected from being offered in CA. It's been an awful experience all the way around.
10 years ago
Eug Sli San Antonio, TX
Totally terrible company. In Texas there were only 4 endocrinologists listed for San Antonio, a city over 1 million people. One, when called said they were mislabeled and not endos, another only took existing patients.
I had a gastric emptying study cancelled twice day before procedure because it was suddenly "private pay", same for a nerve conductivity study and 1 appointment with one of their listed endos. I paid $600 out of pocket for a gastric emptying test out of need, and now?
I went to pick up insulin from Walgreens today. Doctors office verified it was a tier 2 preferred drug. I checked Hioscar.com and same thing. Tier 2 preferred are $35 each. Walgreens charged me $100 and $70 and said it was oscar's formula. I call and of course there's no CS after hours, I even posted to the bbb and shocker.... They're not accredited.
I can not imagine how people in need are surviving. Such is the greatness of America I
10 years ago
Roman Livingston, NJ
My wife an I are both 57 years old, and bought Oscar plan after selecting it from the marketplace. We pay $1,250 a month for the two of us. The particular plan we selected outlines "free" primary care visits and $50 co-pay for visiting specialists that are in their network.
My wife needed to visit an ophthalmologist specializing in retina disorders. We carefully checked and confirmed with Oscar that the doctor is a part of the network. In a month we received a bill from the doctor's office for $136 for services that Oscar didn't cover, that are in addition to $50 co-pay. Spoke with Oscar, and they explained that the procedures were diagnostic in nature and therefore are outside the scope of covered procedures. I suggested to them that going to a specialist is by definition diagnostic, and asked them to give me an example of a reason to go to a specialist so that they would not need to diagnose the issue. Specifically, we suggested that an eye doctor checks eyes using various machines that do not perform and "preventive" procedures. So what is the $50 co-pay intends to cover? They said is it for the office visit. We told them that we went to the doctor, not to the office, and suggested to clarify the scope of covered procedures with an "in the network" specialist, and asked to show to us specific language we should have been aware of when buying insurance that would clearly distinguish between services that are covered and not. Al they kept repeating is that $50 is for the office visit (I suppose there would be a different charge if the doctor would see us in a garage as opposed to an office). And that is all after the humongous monthly premiums!!!
Be aware of what you are buying because Oscar's marketing is deceiving!
10 years ago
Roxanne Brooklyn, NY
They are great until you get cancer!
I was diagnosed with breast cancer in November 2015 while I was insured by Oscar Health. My breast surgeon was an in-network provider with privileges at Mount Sinai Beth Israel Medical Center in New York City. At the time, Oscar Health had no plastic surgeon that specialized in breast reconstruction with privileges at Mount Sinai Beth Israel Medical Center in their network. In other words, Oscar Health did not have an in-network provider with the appropriate training and experience to meet my needs.
As I understand my position as a health care consumer, I have the right to go out-of-network when my health plan does not have an in-network provider suitable for my needs. To that end, on December 15, 2015, my breast surgeon's assistant submitted paper work, and supporting documentation, on my behalf to Oscar Health requesting an out-of-network authorization so that I may see a plastic surgeon who specializes in breast reconstruction, and has privileges at Mount Sinai Beth Israel Medical Center. I had breast cancer and this was a timely matter that needed to be handled quickly.
In the following days, my surgeon's assistant and I repeatedly called Oscar Health to inquire about the status of my out-of-network request. The customer service agents at Oscar Health frequently put us on hold for long periods of time, and often our calls were disconnected entirely. Repeated requests to speak with a supervisor were declined, and promises were made that a supervisor would return our calls. No supervisor ever called. As the days wore on, I became more and more anxious about the status of my request. I could not move forward with my breast cancer treatment without first consulting with a plastic surgeon who specialized in breast reconstruction. I feared it would be weeks or months before I could move forward with treatment, meanwhile I continued to live with cancer and the uncertainty of my diagnosis.
Ultimately, I was compelled to pay $450.00 to consult with a plastic surgeon on December 24, 2015 while I was still covered by Oscar Health. I was desperate to move forward with treatment. To this day, I am still waiting for that authorization and the subsequent reimbursement of part or all of the $450.00 consultation fee. It is fortunate for me that I was able purchase a new health care policy from a different insurance company and move forward with my treatment. I have no doubt that if I were still insured with Oscar Health I would be waiting to receive my out-of-network approval, and I would still be living with cancer. Oscar Health acted negligently, and I venture, unethically, in this matter. I fear for health care consumers who have neither the resources nor faculty to purchase a new policy. They are at the mercy of a negligent company, Oscar Health.
10 years ago
Amy Woodmere, NY
If your not healthy don't use this company! I have an electrical issue with my heart. Only one brand name pill works for me which I have been on for years. I was promised I would be covered and have to pay 60 a month which was fine. Go to refill my pill and they told me it would cost 1800 a month. My dr appealed it, after hours of back and forth and questions. Now they approved my appeal. Once again I go to refill it since its been approved. Now they tell me it's 1,600 a month Bc I will have to pay a Dispense as written penalty! Told me my dr again has to appeal. Basically they are playing games with my HEART pills and my life! Also no eye vision care which who would think to ask? The worst is not being able to get my heart pills to live. Also my EKG HAS BECOME WORSE BC I WAS FORCED ON GENERICS! They lied!!!!! They are still playing games. Who has ever heard of a DAW PENALTY! This has been going on now for 3 months!
11 years ago
Jérémy Rea
Cheaper than the other insurance but very few Dr in network and almost no chiropractor. A doctor even told me that he was trying to get approved for 6 month and still nothing from Oscar.
Be very careful with surprise bill as well, if you go to the hospital and you see a Dr in network, he should works with other Dr or nurse not in Oscar network (and they are a lot). So they will send you a full price bill.
4 years ago
Reply from Oscar
Jérémy, 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. 18th, 2022
Emily Hamer-West Delray Beach, FL
It was so terrible I canceled the insurance. When I signed up the plan was supposed to pay for my primary care doctor with no copay and I checked my medications to see that they were covered. The reality? I now have a $90 doctor bill, they didn’t cover the primary visit and also they refused to pay for prescriptions. Basically they’re collecting my premiums and paying out zero. I’m an old lady, and have dealt with many insurance companies. Oscar is definitely the worst ever.
4 years ago
Reply from Oscar
Hi Emily - We apologize for this experience and have shared this feedback internally.
Mar. 14th, 2022
Review Source
Hongtao Chen Edmond, OK
Not suggest Oscar for insurance. I have couple doctor visits first for cough and second for annually physical check up. And both denied by insurance. The reason for denied because my health provider submit with a code but Oscar don't accept and i talk to my provider said that's the way they submit all claims for all other insurance company and only Oscar being picky.. Highly not recommend
4 years ago
Reply from Oscar
Hongtao, 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
Jennifer Walton Erie, CO
Oscar is the same or worse than any other health insurance company. They are completely non-responsive in the app, and installed a series of uninformed, discriminatory roadblocks in the approval process for basic supplies, causing a crisis for access to what I need. Pre-authorizations are a joke - they have no plan to actually authorize anything I need. Their "stellar" reputation will rapidly be overshadowed by their mess of a system, uninformed pharmacy reps, and inability to help patients get the care and supplies they need. I'd give zero stars if possible.
4 years ago
Reply from Oscar
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. 15th, 2022
Lawrence Robins New York, NY
Do not get Oscar insurance. They take way too long to pay the claims. It doesn't matter how large the claim is. I've had to call 5 times to have them pay a claim for less than a $100.
Also I had an ongoing dispute with them with them that every single customer service rep agreed with me and escalated it but with no positive results.. They just yes you to death.
4 years ago
Reply from Oscar
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. 15th, 2022
Patricia Tucson, AZ
I live in Tucson AZ and I spend hours looking for Oscar network providers. Almost no places accept or have heard of this insurance. They also did not update their website, so the few providers that they have do not accept new patients when you call them even though in the web don't indicate the status. The only ones accepting new patients are resident students who and since they do rotations, you can't make appointments with them either within three weeks. I do not recommend this lame insurance. It's very frustrating.
4 years ago
Reply from Oscar
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.
Dec. 3rd, 2021
Joe joe Delray Beach, FL
I was trying to sign up for a new policy over the weekend. I created an account, go to log in. I was told the new password was wrong. tried changing it 6 times still can't log in. I spent 30 minutes on the phone trying to get help singing in, 5 times being put on hold. The 6th time I had a customer service tell me we can't help with the password. She attempted to give me anthor phone number to call. i hung up 45 minutes later. My experience with osacr sucked.
4 years ago
Reply from Oscar
Joe, 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.
Nov. 9th, 2021
Review Source
lcook Placentia, CA
Oscar’s policy lead me to believe they cover more than they do. I’ve had such a hard time finding decent practitioners within Oscar, I now am stuck paying my monthly premium plus out of pocket for acupuncture, TMJ treatment, & go to Planned Parenthood for all reproductive health care. I had an urgent medical need last year & dealing with Oscar was useless, traumatizing, & expensive.
5 years ago
Reply from Oscar
Hi lcook, we are sorry to hear that you are frustrated. 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.
Oct. 20th, 2021
Jeff Fisher Dripping Springs, TX
Got the insurance because it cover a specific doctor. Prescriptions was just a bonus. Went to get 2 of my diabetes meds filed. One was 500 bucks with a coupon and the other 300 bucks with a coupon. Paying 748.00 a mouth for premiums. This is a prim example of the insurance company's not caring about there customers and only interested in the bottom line.
5 years ago
Reply from Oscar
Hi there, we're sorry to hear about your recent experience with us. Please check your inbox for a message from our team.
Sep. 21st, 2021
Review Source
Sheree Burns Scottsdale, AZ
Overall I am very pleased with Oscar. They have helped with my insurance needs over the past 3 years. Like all private insurance in AZ they are very expensive!
5 years ago
Reply from Oscar
Hi Sheree, thank you for your kind words and for sharing your feedback with us. We understand that keeping costs low is important to our members. Our plan design team is always looking for ways to bring reduced health care services to you. We'll make sure our team gets this feedback.
Aug. 24th, 2021
Review Source
Krista Langehennig Austin, TX
Oscar customer support is pretty good. The rest sucks, I was prescribed the highest dosage of a medication by the Oscar urgent care NP and had an extreme adverse reaction due to her negligence in prescribing the highest dosage. They also “reprocessed” claims for 9 appointments and adjusted the amount I owed for all of them after I had already paid the amount that was processed initially. What a mess. Just take your money elsewhere.
5 years ago
Reply from Oscar
Hi Krista, thank you for bringing this to our attention. Please check your DMs for a message from one of our team members.
Sep. 6th, 2021
Suzyq Maietta Lake Hiawatha, NJ
They’re very helpful , professional, courteous, friendly and attentive. I appreciate all the great services and advice they provide!
5 years ago
Reply from Oscar
Thank you for this feedback, Suzy!
Aug. 24th, 2021
Review Source
Lynn Miller Pacific Palisades, CA
Good except that Oscar doesn't pay for immediate test results when you have a vaginal infection. Making a patient wait 3 days for a diagnosis is ridiculous in this day and age.
5 years ago
Reply from Oscar
Hi Lynn, thank you for your feedback. Please check your DMs for a message from one of our team members.
Sep. 6th, 2021
Joan Miller The Villages, FL
Just switched to Oscar to save money this year. My current doc is listed as primary care physician but they denied my claim as out of network. I have gotten an incredible run around about the office address of my doc. Practice has two side by side building and they do not recognize the primary address. My doctors office confirms that they take Oscar but I can no longer go to my primary care physician without worrying about racking up out of network bills. I have never had issues with getting the most basic routine care until Oscar.
5 years ago
Reply from Oscar
Hi Joan, thank you for your feedback. We'll have a team member follow up with you over DM so that we may learn more about your experience.
Jun. 29th, 2021
Rocky Young ,
Do not be fooled by this company. LOOK at their reviews!! Horrible horrible insurance I’m now paying self pay to see a doctor because OSCAR care is communicating with me with just questions no answers. They just keep shuffling. If I have to explain to some online person my health issues AGAIN only to be asked again and again. I made a major mistake choosing this insurance and now I’m deeply regretting it.
Sincerely and honestly
Christine Young
5 years ago
Reply from Oscar
Hi Christine, we are sorry to hear about this experience! We would like to learn more to get you the answers you need. Please keep an eye on your inbox for a message from our team.
Mar. 30th, 2021
Nina Los Angeles, CA
Horrible!!! They kept changing my monthly payments refused to pay blood test than 1 day told me I had 400 credit on my account and dont have to pay my monthly payment only to find out now year later they accused me of nonpayment - never notified me and now I cant get my tax form. They are bunch of unprofessional smucks, their online account saya Ipaid 1 month and another page says unsettled for same month???? How in the hell??? Unreal
5 years ago
Reply from Oscar
Hi Nina, thank you for bringing this to our attention. Our team would like to learn more about your experience to see what may have occurred. Please check your inbox as one of our team members has followed up to learn more.
Mar. 16th, 2021
Brad Copithorne Swannanoa, NC
I signed up for Oscar in North Carolina, but have had a horrendous experience. I use Bofa's billpay system to pay my monthly premium. They credited my account for the first payment but cashed the checks for the next two but did not credit my account. They demanded that I act as middleman to resolve their back office mistake and when I could not get this done by their deadline, they cancelled my insurance and blamed me for the problem. Do not use this company under any circumstances. They are trying to expand before they get their back office systems ready for prime time.
5 years ago
Reply from Oscar
Thank you for bringing this to our attention, Brad. We apologize for this experience. Please know that one of our team members has sent you a private message to learn more.
Mar. 16th, 2021
LM Red Bank, NJ
A prescription that we take daily (generic) was raised from a Tier 1 ($25 copay) to a Tier 3 without explanation or notice. Imagine our surprise when the pharmacy asked for $150 instead of $25. Oscar has no explanation for this change. There is no cheaper substitute since the drug is already a generic. We checked the cost on this drug before we signed up for the plan in October. If we had know they would simply switch the tier in January, we would not have signed up for this plan. Bait and switch?
5 years ago
Reply from Oscar
Hi there, we are sorry to hear about this experience. Please check your inbox for a message from one of our team members who would be happy to provide additional assistance.
Mar. 16th, 2021
Angie Brooklyn, NY
Stay away from this awful company! Not only are they one of the least accepted insurance companies (none of my doctors accept it) and their plans have exorbitant premiums (even though they tout themselves as being affordable) but their C-level execs are hypocrites as well. Their chief policy & strategy officer is a board member for JUUL Labs, the infamous company responsible for cigarette ads targeting teenagers. How can you trust a HEALTH company with leadership such as that? Read the September 20 NY Times article written about JUUL.
5 years ago Edited September 21, 2021
Reply from Oscar
Hi Angie, we are sorry to hear this. A team member will follow up with you over direct message so that we may learn more about your experience with Oscar.
Jan. 28th, 2021
pb Denver, CO
The only real bright sides are that their tech is great and their support is good. They’ve currently rejected 2/2 Covid tests I’ve gotten (which they claim they will pay for, but so far nothing). Rejecting arguably the most essential service in 2020, when you claim to support it in and out of network is an unbelievably frustrating experience, and I’ll be getting off any Oscar insurance ASAP
5 years ago
Reply from Oscar
Hi there, we appreciate you bringing this to our attention, and apologize for the experience. Please check your inbox as one of our team members has followed up with you to learn more.
Jan. 12th, 2021
