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Deductibles and monthly premiums for these plans will vary depending on your county. After meeting the deductible, all services under the Bronze and Silver levels are $0. Total Bait and Switch Company. Additionally, Silver, Gold and Platinum Classic policies have before-deductible co-pays for some services like generic and preferred drugs. If … YOU ARE WARNED! Oscar Insurance will take some time as a new insurer to build its reputation but has recently received an “A-“ rating from the Better Business Bureau. Both the concierge and Doctor On-Call services are best if you want personalized customer service. Once the deductible is met, all services under every Simple Plan level are 100% covered by the insurance. Furthermore, the categories also differ in the size of co-pays and co-insurance for specific health services. Run, Run, Run from this company. Once you have purchased an Oscar health plan, you will receive a welcome kit that includes your plan ID cards, a summary of the policy benefits, and a look at other free perks and benefits. This includes a gym membership reimbursement of $400 per year and up to $200 per covered spouse. Based in New York City, Oscar offers insurance in select ZIP Codes in the states of New York, New Jersey, Ohio, Tennessee, Texas, Arizona, Michigan, Florida, and California. 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How Cost Sharing Reductions Impact Your Rates, Difference Between a Copay and Coinsurance, Inpatient vs. Outpatient Care and Coverage, Member benefits (Oscar app and Doctor On-Call), Customer service through its concierge team. The most expensive policies offered by Oscar are in its Classic category. The Saver category policies have different levels for the deductibles and out-of-pocket maximums when compared to health plans in the Simple category. Sample policies are for plans in New York, New York. They ripped me off to the tune of about $20,000 by double-booking me for insurance for two years. In the app and website, you can monitor your progress toward the deductible and view relevant health topics like managing your mental health through their blog. Oscar Insurance was launched in July of 2013 in response to the Affordable Care Act with the intention of creating a user-friendly approach to health care. Oscar substantiates this with a robust telemedicine program that allows for a personalized doctor experience. Product name, logo, brands, and other trademarks featured or referred to within our site are the property of their respective trademark holders. Feature it has work perfectly for me, I know how my insurance plan works and I am proactive when I need to use it , so I don't end up paying more than I have to, OSCAR INSURANCE IS THE BEST. Consumers can receive an instant free quote online by entering a few personal details like zip code, age, and income. Before meeting the deductible, the patient pays the full price for services like primary care, specialist visits, urgent care, labs, and all drugs. I tried to book a specialist using Oscar. The site does not review or include all companies or all available products. Under the legislation, this includes free preventative care, an annual physical, pregnancy services and certain forms of birth control.