Any customer can find a plan that fits their health care needs—and their budget. So far, the company has outstripped expectations for policy sales, entering the 2014 open enrollment period with 17,000 members, more than the 7500 anticipated by that time. My Bronze plan pays for nothing! Under the Silver and Gold levels, most services have copays that range from $10 to $50, depending on the service. They refused to cover my Appendectomy, saying that it was not medically necessary. O… By selecting a plan that fits your needs you will find that you can actually save money instead of just choosing the plan with the most affordable premium. Both the concierge and Doctor On-Call services are best if you want personalized customer service. If they already knew, then WHY WOULD THEY ALLOW ME TO SIGN UP FOR THE PLAN IN THE FIRST PLACE?!? This allows the employees and health professionals to get to know you and your specific health insurance policy. As you can see, the higher metal tiers like Gold will have a lower deductible and out-of-pocket maximum, but you will be required to pay a larger monthly premium for this level of coverage. His office informed me that while they had signed up with Oscar they could not book an appointment using Oscar insurance. Here you can make easy payments and quickly add or edit employees if they are hired or leave your company. Furthermore, it has an NAIC complaint ratio of 0.12, which indicates that it receives fewer complaints than the median company when taking into account its size. Stay away - they are a young insurance company already desperately cutting benefits. This is a newer service for Oscar and is only available in five areas: For employers, you have the ability with Oscar to manage your company's health benefits through its online tool. A doctor on-call service is also available to Oscar members. This plan is only available if you are under 30 years old or have received a hardship exemption. The Silver and Gold levels are similar in that most services must be paid in full before the deductible is met. It is a scam! For this reason, if you have a preferred doctor, you should confirm with Oscar that you will be able to receive care from that provider before purchasing a policy. Sterling Price is a research analyst at ValuePenguin specializing in health and life insurance. However, if you go outside the provider network, you would have to pay extra or full price for services. 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. Before meeting the deductible, the patient pays the full price for services like primary care, specialist visits, urgent care, labs, and all drugs. 3 weeks later I am still waiting. Sample policies below are based on plans offered in New York City. Oscar has also been rated well by some of the largest ranking companies and has an A- from the Better Business Bureau (BBB). Consumers can receive an instant free quote online by entering a few personal details like zip code, age, and income. Now I find out this is a lie. They do not cover anything!!! Although the plans have differences, they all are Affordable Care Act (ACA) qualified health policies and thus cover the essential benefits. YOU ARE WARNED! *Information stated above is for customers residing in the state of New York. What else do you need to know? Oscar sets itself apart from the competition with its wide range of plans. Often, cheaper health insurance plans can mean that the company does not provide added benefits such as gym memberships or an personalized telemedicine experience. And once the out-of-pocket maximum is met, any in-network health costs would be fully covered by Oscar. Dedicated concierge to schedule appointments, resolve billing issues, give health advice (through a licensed nurse) The company is run by Silicon Valley veterans looking to disrupt the current health insurance industry. Policies available in a limited number of counties and have slightly higher prices compared to competitors. Once the patient meets the deductible, copays are charged for the different services, with the Gold level offering the lowest post-deductible copays. 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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. 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