write a detailed article on oscar health insurance – plans (in details), pros and cons (in table), contact info (add phone number and adress), official Resources
Oscar Health Insurance: A Comprehensive Guide
Oscar Health Insurance is a technology-focused health insurance company that aims to provide a more personalized and accessible healthcare experience for its members. Founded in 2012, Oscar has grown to become one of the largest individual and family health insurance providers in the United States, offering coverage in 18 states.
Oscar Health Insurance Plans
Oscar offers a range of health insurance plans to meet the diverse needs of its customers. These plans are available through the health insurance marketplaces in New York, Texas, and California, as well as directly through the Oscar website.
Individual and Family Plans
Oscar’s individual and family plans are designed to provide comprehensive coverage at an affordable price. These plans cover the 10 essential health benefits required by the Affordable Care Act, including preventive care, hospitalization, and prescription drugs.
Oscar’s individual and family plans are available in different tiers, including Bronze, Silver, Gold, and Platinum, each with varying levels of coverage and out-of-pocket costs. For example, a 40-year-old living in Houston, Texas, can expect to pay between $350.86 and $513.95 per month for an individual plan, with an annual deductible ranging from $0 to $7,300.
Group Plans
In addition to individual and family plans, Oscar also offers group health insurance plans for small businesses with up to 50 employees. These plans, known as Cigna + Oscar, feature no-cost urgent care, $3 prescriptions, and dedicated Care Teams to help members navigate their benefits and find the best local providers.
Medicare Advantage Plans
Oscar also offers Medicare Advantage plans, which provide Medicare coverage with additional benefits such as dental, vision, and hearing coverage, as well as fitness memberships and home fitness kits. These plans have premiums and deductibles as low as $0, and $0 copays for primary care visits.
Pros and Cons of Oscar Health Insurance
| Pros | Cons |
|---|---|
| Free virtual urgent care visits 24/7 | Limited plan options and coverage areas |
| $3 prescriptions for many common medications | Relatively high monthly premiums compared to competitors |
| Dedicated Care Teams to help members navigate their benefits | Subpar customer service and high complaint rates |
| Rewards for hitting step and sleep goals | No dental or vision coverage in most plans (except for pediatric plans) |
| Seamless mobile app and online portal for managing health information | Limited in-network provider options in some areas |
Oscar Health Insurance Contact Information
Oscar Health Insurance
Address: 75 Varick St. 5th Fl, New York, NY 10013
Phone: 1 (844) 392-7589
Website: https://www.hioscar.com/
Official Resources
- Oscar Health Insurance website: https://www.hioscar.com/
- Oscar Health Insurance plans and coverage: https://www.hioscar.com/plans
- Oscar Health Insurance customer support: https://www.hioscar.com/contact
- Oscar Health Insurance mobile app: Available on iOS and Android
Oscar Health Insurance offers a unique approach to healthcare, combining technology, personalized support, and innovative plan designs. While the company’s plans may not be the cheapest option on the market, the additional benefits and services provided by Oscar could make it a compelling choice for those seeking a more seamless and rewarding healthcare experience.
