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What Kind of Health Insurance is Oscar?

Oscar Health Insurance is a startup that provides business and individual health insurance plans. The company’s plans are costly compared to competitor policies and are limited to a small number of states and counties. Nevertheless, Oscar excels at its customer service, and its member benefits are known as some of the best in the health insurance industry. Generally, the company is the right choice if it is available in your area, and you need personalized healthcare coverage.

Oscar Health Insurance Company

Oscar Insurance provides individual and business health insurance plans through its website and on state marketplaces. It has an Exclusive Provider Organization (EPO) network, meaning that coverage from any provider in the system will be free or qualified for co-insurance from the company. Nevertheless, if you go outside the provider network, you would have to pay additional or full price for services. The deadline to buy health insurance through Oscar would be during the last day of the Obamacare open enrollment period. But you can also obtain coverage outside of this period if you have a qualifying life event. As with other carriers, health insurance through Oscar can be bought with a credit card.

Oscar offers an easy search function for finding EPO providers. While visiting the website, interactive maps, reviews, and ratings will pop up when you explore the type of coverage or prescription drugs you want. Then you can interact directly with the health provider and plan a visit. Say you are looking for acupuncture options in New York City — you would go online to the Oscar website, enter your ZIP code, and choose the service you need to be provided from a list of qualified in-network acupuncture providers in your location.

Costs and Options of Oscar Health Insurance Plan

There are three levels of plans for individual health insurance that Oscar offers: Simple, Saver, and Classic health plans. The significant differences between policy levels are the out-of-pocket expenses and deductibles. Moreover, the categories also vary in the size of copays and coinsurance for specific health services. This can comprise prescription drugs and specialty providers such as dermatologists or therapists.

Although the plans vary, they all are the Affordable Care Act (ACA) qualified health policies and hence cover the essential benefits. Under the legislation, this consists of free preventative care, annual physical, pregnancy services, and certain forms of birth control.

Oscar plans do cover preventive lab testing, but it has to be processed by Quest Diagnostics or another in-network laboratory to be covered. If you own or purchase an Oscar policy, be sure to ask your doctor to send any lab work to a preferred provider.

If you are looking to cancel your Oscar health policy, you can do so either directly through Oscar or through your state health insurance marketplace.

The Concierge Team of Oscar

Oscar assigns you a concierge of staff that can help you with your health insurance. This is a group of specialists, including healthcare guides and nurses who can provide you on-demand help regarding your health. Services provided by the concierge team consist of solving billing issues, checking doctors’ availability, finding the best urgent care clinic or emergency room, and answering any health insurance questions you may have.

Moreover, the concierge never changes, so you get the same Oscar employees every time. This enables the employees and health professionals to get to know you and your specific health insurance plan. The concierge service can also be accessed through the Oscar application, where you would video conference with the care specialists.

Resources and References:

• Common Health Insurance Questions
• Exclusive Provider Organization
• Ten Essential Benefits