Enroll and get quotes with Oscar - No extra charge for broker support
Enroll and get quotes with Oscar – No extra charge for broker support

Oscar Health Insurance

Oscar’s Health Insurance focuses centers around the Internet and mobile applications. Another click and appointment options — a free doctor’s call or a visit to a primary care physician or specialist — are splashed on the screen with estimated costs. A consumer could expect to shell out a total of $200 in co-pays and typical prescriptions or tests for a visit to a specialist. Oscar offers an Exclusive Provider Organization plan, or EPO — a hybrid of the HMO and PPO models. Consumers, for example, receive no coverage out of network, but unlike an HMO they don’t need a primary care physician or a referral to see a specialist.   Providence Health & Services,  UCLA Health, St Joseph, HOAG, Huntington Memorial and USC Keck have signed on to Oscar’s network, giving it 19 hospitals and 11,000 MD’s in Los Angeles.  Orange County has 9 hospitals and 5,000 providers.

All plans are EPOs with Doctor on Call, Concierge, and Step Rewards for staying active. Even better, Oscar never requires referrals to see a specialist. This means you don’t need to book an appointment with a primary care provider just to get a permission slip, saving you time and money.

Classic plans

Classic plans have higher monthly premiums and lower annual deductibles than Simple plans. Most plans provide pre-deductible copays for routine care and drugs. All plans have either coinsurance or affordable copays after you hit your deductible.

Saver plans

Saver plans are low premium, high deductible plans. In California, these are plans that work alongside a Health Savings Account (HSA). With HSA compatible Saver plans, you pay the full negotiated rate for care out of your HSA until your reach your deductible. After that, Oscar pays 100% for any covered care.

Oscar’s Simple Plans

offer something different, they combine the deductible and Out of Pocket Maximum as one number.  The kicker, you still get pre-deductible benefits.  For example, you have a $4,500 deductible and MOOP on the Gold Simple plan, however you can go to the doctor, get your labs and x-rays all at a flat co-pay prior to meeting your deductible.  Simple!

EPO

All plans are EPOs Exclusive Provider Organization  with Doctor on Call, Concierge, and Step Rewards for staying active. Even better, Oscar never requires referrals to see a specialist. This means you don’t need to book an appointment with a primary care provider just to get a permission slip, saving you time and money.

Enroll and get quotes with Oscar - No extra charge for broker support
Enroll and get quotes with Oscar – No extra charge for broker support
Oscar Coverage Matrix 2019 - Get Quotes & Enroll Oscar - Get Quotes ALL companies
Oscar Coverage Matrix 2019 – Get Quotes & Enroll Oscar – Get Quotes ALL companies  *  Paper Rate Chart 2019  *

Why Oscar?

The Uber of Health Care?

Participating Hospital2019  *

Oscar   Website

2019 Forms – Notices – Plan Documents

Provider & Formulary Search

Wikepedia on Oscar

Coverage Areas –  We have been approved by the DMHC to expand our network into East Los Angeles County.  We now have a coverage area from Santa Clarita north to San Juan Capristano south Malibu west to Pomona east. The only area we do not have in Los Angeles County is Palmdale/Lancaster  –  Get a Quote on Oscar’s Site or all companies and verify if your area is covered by zip code.

Administrative

Child Pages

Enroll and get quotes with Oscar - No extra charge for broker support
Enroll and get quotes with Oscar – No extra charge for broker support
Oscar Billboard
Oscar Billboard

Instructions on how to complete an ONLINE application - direct, not Covered CA
Instructions on how to complete an ONLINE application - direct, not Covered CA

20 comments on “Oscar Health Insurance

  1. Please send over:

    1. tele-med (sp?) info (I’m open to more shrinkage solutions, maybe I’ll use it, esp if the price is right!)

    2. Link so I can look up doctors and which plans they are officially part of.

    3. And my lingering question: I see from my taxes Form 8962 I’m paying back subsidies from last year.

    Can you help me get my brain around the math for what’s happening with each month/doctor visit appointment that passes while I’m still on the Blue Shied Silver 94 subsidized plan?

    4. When I decide on a plan, what happens next, do I go to that quotit link and Add to Cart and pay directly, or…?

  2. Hi, Steve.
    Thanks, I’m all set with Oscar. I received a welcome letter and found instructions on making a web payment for my EPO 87 plan for Jan 1, 2018.

    I also set up the auto-pay recurring payments as well.

    Thanks for your help with the ACA insurance stuff here. Bye bye to Blue Shield of Calif. Their rates for the same PPO enhanced silver insurance were ridiculous.

    Oscar is a newer, startup company, so the competition for business is exactly what President Obama and Congress intended when they set up the ACA, among many other patient protections for those of us with pre-existing conditions.

    Thank you again,

    • Covered CA right on their website – provider finder tells you that Oscar’s is better.

      The Covered California provider directory can help you select a health plan. The directory is updated monthly and may not be a current or complete list of the health plan’s providers.

      The health plan you select will have the most current provider directory. You may not have coverage or may have higher costs if you visit a provider who is not in your plan’s network. To avoid this, you must verify with your health plan if the provider is in-network before you seek care.

Leave a Reply

Your email address will not be published.

wp-puzzle.com logo