Oscar Small Group Health Insurance
CIGNA + Oscar

Authorized Agent – Broker

• We are authorized CIGNA + Oscar brokers and can assist you with our expertise and experience at no additional charge.  Oscar pays us as we save them time and money in marketing, sales, administration, etc.
  • Here’s 17 more reasons to select us as your broker.
• Welcome to Cigna + Oscar for Business
• Networks
• Employer Application
• Employee Application
• Officer – Proprietor Verification Statement
• ACH Authorization Form
• Employee Waiver Form
• Oscar 2022 Small Group Plans – Matrix
  • 2023 Cigna + Oscar  MATRIX
  • Email us [email protected] for current information
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• Oscar Forms
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#TeleMed

This is our "Main Module" on Telemed.  Not just one specific Company but Telemed for ALL companies, in general.

• CMS won't extend certain key pandemic-era Medicare telehealth expansion plans.  
• Teleheath for Medicare may end without congressional action November 2024
• Telehealth has quickly become one of our nation’s most essential health care services — a safe and low-cost way to access care.
• Millions of users have now experienced and embraced what telehealth has to offer. Many won’t go back to traditional ways of getting care, including your employees. To meet the evolving preferences of your workforce, you should offer a health plan with connected virtual care options.  Learn More:   Kaiser  *
• Oscar covers Medically Necessary Covered Services offered through Telehealth by an In Network Provider subject to the terms and conditions of the their contracts with In Network Providers.   Telehealth Visits from certain Oscar-designated Telehealth Providers are covered in full.
• Telehealth Visits can be requested through Oscar’s website, mobile application, and their  customer service line  1-855-672-2755.
• Health Net Teladoc Medicare
  • FAQ Change from Babylon to Teladoc
• Teladoc (Telehealth) Introductory Flyer
• Teladoc (Telehealth) FAQs
• Teladoc (Telehealth) FAQs – En Español 
• Teladoc Caregiver flyer
• Teladoc Caregiver FAQs
• hioscar.com/doctor-on-call 
• Doctor On Demand.com
• hioscar.com/need-medical-advice-call-a-doctor-instead-of-your-mom
• EOC – Evidence of Coverage.
• Tele Med VIDEO Oscar
• OSCAR Tele Med 1 page flyer
• My CPA’s thoughts & research on Telehealth 
• U.S. saw significant drop in telehealth use last year after rapid growth in 2020 ^{Modern Health Care} *
• Telehealth Companies Want Congress to Make Pandemic Expansion of Their Services Permanent Time Magazine 4.2022 *
• FAQs on Medicare Coverage of Telehealth
• Dental Visits Tele Health

Further clarification from Oscar:

• Our Doctor on Call benefit is on all Oscar plans and include Oscar physicians that are board certified in your state.
• These physicians are not specialists, they generally are listed as Internal Medicine, Primary Care, etc.
• These doctors are not found on our website because there is no way to visit/select which doctor you speak to.
• The physicians often service multiple states, as they are generally certified in multiple.
• Personally, when I used the Doctor on Call benefit (at 11 pm) the doctor called me within 10 minutes.
• If I called again today I would likely be speaking to a different physician.
• I checked with Oscar circa 4.4.2019 and their Tel Med is just for an initial visit.  Check our Coronavirus page for updates on that.
• doctor on demand.com
• Emotional support helpline: 1-866-342-6892 – Optum
• AB 744 - TeleHealth 
• AB 744 will require contracts issued, amended or renewed after January 1, 2021 between a health care service plan and a health care provider to specify that the provider who delivers services appropriately through telehealth be reimbursed on the same basis and to the same extent that the plan would have had the same service been provided in-person.  The health plan cannot require the use of telehealth if the health care provider has determined that it is not appropriate nor does it limit the ability of the health plan and provider to negotiate the rate of reimbursement for a service. ^{TeleHealth Resources.org} *
• LA Times on Tele Med 8.2018

• telehealth is  the use of electronic information and telecommunications technologies to support long-distance clinical health care, patient and professional health-related education, public health and health administration. Technologies include videoconferencing, the internet, store-and-forward imaging, streaming media, and terrestrial and wireless communications.

• Telehealth is different from telemedicine because it refers to a broader scope of remote healthcare services than telemedicine. While telemedicine refers specifically to remote clinical services, telehealth can refer to remote non-clinical services, such as provider training, administrative meetings, and continuing medical education, in addition to clinical services.

• AMA outlines key steps for advancing telehealth equity
• Telehealth didn't lead to unnecessary care in 2020, study says
• I checked with Oscar and their Tel Med is just for an initial visit.
• Here's what I googled for online therapists. Check with them and ask what Insurance Plans they take. Then double check on the official Insurance Company provider list.
  • apa.org/topics/psychotherapy/works
  • talk space.com
  • patients.amwell.com/services/online-therapy
  • live health online.com/therapy

Uh Oh  Oscar Individual IFP won't be renewing or selling in 2024!

California Cigna + Oscar Small Group will still be here

Oscar consistently had a 100% MLR Medical Loss Ratio. ^{Modern Health Care *}  Meaning they paid out in claims, every nickel they took in, in premiums.

Get alternate quotes for 2024

Resources & Link

Oscar announcement to brokers 5.9.2023