Jeffrey Wade
Oscar Health Insurance is a US company that offers health insurance plans for individuals, families, and employers. It operates in 18 states and provides a mobile app for virtual doctor visits, some of which are free. Oscar has received mixed reviews, with some praising its low premiums, digital experience, and wellness programs, while others have criticized its high deductibles, poor customer service, and denial of medical requests. With a rating of 1.4 out of 5 on Trustpilot, Oscar has a high number of customer complaints compared to the industry average. Despite this, Oscar's plans may be worth considering for their affordability and convenience, but potential customers should carefully compare prices and benefits with other providers before making a decision.
| Characteristics | Values |
|---|---|
| Annual Bronze Deductible | $4,548 |
| Average Silver Plan Deductible | $5,523 |
| Monthly Cost for Bronze Plan | $488 |
| Average Silver Plan Cost | $582 per month for a 40-year-old |
| Number of States Covered | 18 |
| States Covered | TX, NY, FL, AZ, GA, OK |
| Types of Plans | EPO, HMO, PPO |
| Tiers of ACA Plans | Bronze, Gold, Silver |
| Tiers of Plans | Simple, Classic, Elite |
| Customer Satisfaction | Poor |
| Customer Ratings | 1.4/5 on Trustpilot, 4/5 on Forbes Advisor |
| Number of Customer Complaints | Higher than the industry average |
| Wellness Programs | Yes |
| Dedicated Customer Support Staff | Yes |
| Virtual Doctor Visits | Yes |
| Free Virtual Doctor Visits | Some |
| In-Network Doctors | Outdated information |
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What You'll Learn
Oscar Insurance has a poor customer satisfaction rating
Oscar Insurance has received mixed reviews, with some praising its low premiums and well-designed app, while others have criticised its customer service and coverage. According to the National Association of Insurance Commissioners (NAIC), an industry group, Oscar receives roughly three and a half times as many complaints as the average health insurance company of a similar size. This suggests that Oscar Insurance has a poor customer satisfaction rating.
Oscar Insurance customers have reported issues with the company's customer service, with some stating that the company's representatives are difficult to understand and lack knowledge about the insurance plans. There have also been complaints about outdated provider directories, with retired doctors listed as being in-network. This has resulted in customers driving long distances to see physicians who are no longer accepting Oscar Insurance.
In addition to issues with customer service and provider directories, Oscar Insurance customers have also reported problems with getting their medical claims approved. Some customers have reported that their doctors' requests for specific medications or treatments have been denied by Oscar Insurance, which has led to concerns about the potential impact on their health.
While Oscar Insurance offers low premiums and a range of customer benefits, its poor customer satisfaction rating is a significant drawback. The high number of complaints filed against the company suggests that many customers have had negative experiences with the company, particularly regarding customer service, provider directories, and claim approvals.
Overall, while Oscar Insurance may be a good option for those prioritising low premiums, it is important to consider the potential trade-off between low costs and poor customer satisfaction. The high number of complaints and negative reviews suggest that customers may experience issues with the company's service and coverage, which could impact their access to timely and adequate healthcare. Therefore, prospective customers should carefully weigh their priorities and needs before choosing Oscar Insurance as their healthcare provider.
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Oscar Insurance offers a wide range of health plans
Oscar's health plans are available in select counties across 18 states, including Arizona, Florida, Georgia, Illinois, New York, Ohio, Pennsylvania, and Texas. The specific plans offered vary by state, but members can expect to be covered for essential health benefits, such as ambulatory services, emergency room visits, hospitalization, and pregnancy and maternity care.
Oscar's digital experience is also decent, allowing members to manage their accounts, find doctors, and access information about their health plans on the company website and mobile app. The app enables users to refill prescriptions, message their Care Team, and look up benefits on the go.
Oscar's health plans include Individual & Family 2025 plans, EPO, HMO, and PPO plans, and ACA plans with bronze, gold, and silver tiers. The company also offers HSA-compatible high-deductible health plans and Secure plans, although these may have limitations on $0 visits.
While some reviews of Oscar Insurance express dissatisfaction with their coverage and customer service, others find their plans affordable and accessible. Ultimately, the decision to choose Oscar Insurance depends on individual needs and preferences, as well as the specific offerings available in one's state.
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Oscar Insurance has a bad Trustpilot rating
Oscar Insurance has received a bad rating of 1.4/5 on Trustpilot. While the company has one of the lowest overall monthly costs for bronze plans ($488) and its annual bronze deductible ($4,548) is cheaper than the market average ($5,523), it has been criticised for its poor customer service and experience.
Several reviews on Trustpilot highlight issues with Oscar Insurance's customer service. Some reviewers mention that their doctors' requests for specific medications or treatments were denied by Oscar Insurance, which instead approved off-brand alternatives. Others complain about the company's billing and payment processes, with some stating that they were incorrectly charged or that their payments were not processed properly. One reviewer mentions that Oscar Insurance cancelled their authorised treatment, stating that it was too expensive.
Oscar Insurance has also received criticism for its network of doctors. Some reviewers mention that the company's website listed outdated information about in-network doctors, including retired doctors and incorrect phone numbers. One reviewer states that the nearest in-network doctor they could find was over three hours away, which they considered unacceptable.
In addition to the Trustpilot reviews, Oscar Insurance has also received negative ratings from HealthCare.gov and the Better Business Bureau (BBB) website. Some reviewers on the BBB website echo similar concerns about billing issues, denied coverage for medications, and poor customer service.
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Oscar Insurance has a high number of customer complaints
Oscar Insurance has received a significant number of customer complaints, as evident from various online forums and review platforms. Many customers have expressed dissatisfaction with their experiences, citing issues with customer service, unexpected charges, and delays in medical care.
One common grievance among Oscar Insurance customers is the difficulty in reaching and communicating with the company's representatives. Some customers have reported instances of being charged more than the quoted amount, with Oscar Insurance justifying the extra charges as being for additional services rendered. However, customers have disputed these claims, alleging that they were only provided with the services they had originally requested. In one instance, a customer shared their experience of being charged $188.46 for an ultrasound, more than double the initially quoted price. Despite multiple attempts to resolve the issue, the customer reported a lack of response and resolution from Oscar Insurance.
Another concern raised by customers is the delay in their medical care due to alleged misinformation and problematic communication between Oscar Insurance and their healthcare providers. In one case, a customer complained that the delay in their treatment resulted in increased pain and suffering. Additionally, some customers have expressed frustration with the company's failure to respond to disputes and grievances in a timely and satisfactory manner.
Customers have also shared their negative experiences with Oscar Insurance's handling of insurance coverage and requests for treatment. Some have accused the company of denying their doctors' requests for specific medications or treatments, offering only generic alternatives. This has led to dissatisfaction and concerns for those facing serious health conditions. Furthermore, there are complaints suggesting that Oscar Insurance may drop customers when they require extensive medical care, indicating a potentially predatory nature to their business model.
While Oscar Insurance has received a 4 out of 5-star rating from Forbes in 2025 for its low premiums and a better-than-average complaint ratio, the sheer volume and severity of complaints cannot be overlooked. The issues raised by customers highlight potential red flags in the company's practices, underscoring the importance of prospective customers conducting thorough research before enrolling in any insurance plan.
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Oscar Insurance has a good mobile app
Oscar Insurance offers health insurance plans for individuals, families, and employers. It operates in 18 states and has a mobile app that provides customers with notable benefits. The app is well-designed and includes helpful features such as virtual doctor visits, some of which are free. Customers can also browse plans and Oscar's health insurance doctor network. The doctor search includes interactive maps, reviews, and ratings to aid in the selection process.
Once a customer becomes a member, they can interact directly with network doctors to schedule visits through the app. The app also allows users to monitor their progress toward their deductible and access telehealth therapy tools. Additionally, there is a step-tracking feature that rewards users with up to $75 per year if they reach their step goal.
Oscar's mobile app stands out for its quality and convenience. However, the company has received poor ratings from HealthCare.gov, and there are a high number of customer complaints, mainly regarding customer service and claim denials. Despite this, Oscar's digital experience has been described as decent, and its website allows users to manage their accounts, find doctors, and obtain information about ACA and individual health plans.
Oscar's plans are also poorly rated by HealthCare.gov, and the company has a higher number of complaints compared to the average insurance company of its size. Despite this, Oscar has a better-than-average complaint ratio and received 4 out of 5 stars on Trustpilot due to its low premiums. While Oscar's mobile app is a strength, the company's plans and customer experience have been criticized.
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Frequently asked questions
Oscar insurance has received mixed reviews. While it has been praised for its low premiums, decent digital experience, and unique customer benefits, it has also been criticized for its high deductibles, poor customer service, and frequent denial of coverage.
Oscar insurance offers low premiums, a decent digital experience, and unique customer benefits like wellness programs and dedicated customer support staff. They also have a well-designed mobile app that allows customers to have virtual doctor visits, browse plans, and access telehealth therapy tools.
Some drawbacks of Oscar insurance include high deductibles, poor customer service, and frequent denial of coverage for treatments and medications. Oscar has received a high number of customer complaints and has been rated poorly by HealthCare.gov.
Some alternatives to Oscar insurance include Kaiser Permanente, Aetna, and UnitedHealthcare. These companies offer similar health insurance plans and may provide better value, customer satisfaction, and plan quality. It is important to compare the plans and prices carefully before making a decision.
