Oscar NY Group Health Insurance 2018 Reviews and Complaints, Pros and Cons

Oscar Health Insurance NY: Get Insurance Online 

Oscar takes on a more modern approach to insurance through their use of technology. They allow you to find instant health insurance quotes and make use of online tools. Oscar plans on modernizing the healthcare experience by implementing "telemedicine". Telemedicine is essentially using telecommunication and information technology to provide medical care from a distance. In fact, 63% of Oscar member interactions with the health care system are virtual. Furthermore, as Oscar is still a relatively new company, it is in the process of improving. Currently, Oscar works with 3,500 nationally ranked doctors across 140 specialties. As of the end of 2017, Oscar also offers individual and business plans in up to eight states including New York, New Jersey, and California. It may be the right choice for you if you have simple health needs and prefer an online experience.

About Oscar Health Insurance

Oscar started in 2012 as a response to Obamacare, or the Affordable Care Act (ACA). Oscar is known for its technologically-heavy approach to health insurance. Many of their billing and documentation resources are completely online. Oscar offers coverage to 250,000 people in New York, New Jersey, California, Tennessee, Texas, and Ohio.

Oscar Health Insurance Plans

Oscar's Simple Plans are what they sound like. They are designed to be easy to use and understand. Depending on which plan you choose, there are a variety of premiums and deductibles. The plans come in different tiers: Secure, Bronze, Silver, Gold, and Platinum. To view these rates and coverage options in detail, see our comprehensive rate sheet.

They also offer a view service called Doctor on Call. This service allows members to forgo visits to the doctor and offers an easy way to get necessary prescriptions. Members can use this feature to ask questions and describe symptoms to doctors all over the phone.

To find a network provider, you can go to their website and enter your location and what kind of doctor you need. In New York, their network faced a drastic shift in 2017 when their number of providers was cut in half. Naturally, this led to a lot of criticism concerning the reduced network and increased prices. However, they maintain that this was in an effort to narrow their coverage down to the best providers in the city. Under their coverage, you don't need a referral to see a specialist (except alternate care providers).

Furthermore, members may submit claims directly to Oscar via their online portal. Again, this paperless documentation system is all part of their technology-based approach.

Rates and Pricing oscar insurance rates nyc

Not unlike other insurance companies,  Oscar's rates differ by tier. Platinum has the highest premiums while bronze and secure have the lowest. The difference in prices is due to the plans' differing deductibles, copays, coinsurance, and coverage amounts.

Something unique to Oscar is their tendency to offer cash incentives to promote healthy lifestyles among members. In 2014, for example, they incentivized members to wear a fitness tracker they provided. They also have used a cash incentive to encourage members to get flu shots.

For more details on Oscar's pricing and rates, visit our Oscar rates sheet. Or feel free to compare their rates to other group health insurance companies. Oscar also offers catastrophic insurance for people around $170 a month. To learn more and get an online quote, visit our blog post on catastrophic insurance.


Oscar Health Insurance Reviews

On The Better Business Bureau (BBB), Oscar has 1.5 stars, but an A- rating. They have 17 complains filed against them in the last three years, 2 of which have not been addressed. In 2014, one complaint about pricey bills that should have been covered received press attention. As a result, their CEO admitted that they did not explain how deductibles function well enough to members. On Yelp, Oscar has 79 reviews and a two-star-rating.

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