R
ReviewerVerified
3 months ago
Oscar's app is the standout part of my health plan; I can message a doctor and get a virtual visit the same day without leaving home. Finding in-network providers is straightforward too. The only downside is that a couple of specialists I wanted weren't in the network.
Great telemedicine, easy provider search
Limited specialist network
My doctor said the procedure was in-network and Oscar's site agreed, but I was hit with a large surprise bill months later. Getting a clear answer on why coverage was reduced was a frustrating runaround between billing and the provider. Transparency on costs is where this plan really let me down.
Surprise out-of-pocket cost, poor cost transparency
Oscar's care team actually explained my coverage in plain English when I was confused about a referral. The app made scheduling simple and I liked the virtual urgent care option. I just wish more local clinics took the plan in my area.
Helpful concierge, convenient virtual care
Thin local network
I changed my Oscar plan during open enrollment but the system kept billing my old premium for two months. It took several calls and a lot of repeating myself to get the refund sorted. For a tech-driven insurer, the billing side felt surprisingly clunky.
Billing errors after a plan change, slow to refund
Oscar made navigating health insurance genuinely painless. Same-day virtual visits, a responsive app, and a care team that follows up made me feel like an actual person instead of a policy number. When I needed prior authorization they handled it fast and kept me updated.
Responsive app, fast authorizations, caring support