Health insurance that actually works for you
Get a health plan that makes it simple to receive the care you need — and a dedicated team on call, ready to help you figure things out.
Find doctors you trust
Find doctors, hospitals, and pharmacies near you that accept our plans. Our Care Team can always help you with your search and schedule your appointments.
Frequently asked questions
- How do I pick a health insurance plan?
- Pick one of the various metal tiers (Bronze, Silver, Gold, Platinum)All individual plans have a metal tier in their name, and if you pick your tier in advance you can narrow down the options right away. The best plan for you is the one that limits your costs and manages your risk. The right balance is totally up to you. If you prefer to pay more up front and have fewer surprises, you could explore Gold or Platinum. If you’re looking for the least expensive premium and understand the risks of potentially having to pay some medical bills during the year, you might opt for Bronze or Silver. If you qualify for a cost-sharing reduction (meaning you are within 250% of the Federal Poverty Level), you might see a super-low deductible in the Silver tier, so watch out for that.Make sure you have access to any doctors & drugs you needMost plans only cover your care if you go to a doctor or hospital in their network. Look up any of your existing doctors and browse the insurer’s website to find out which hospital systems they work with. Understand the tradeoffs with bigger networks; they might have more providers and hospitals in-network, but they often cost more. Start with doctors you know you’ll need access to and see what networks they are available in; you can often take great care without paying more for broader network coverage. Look up any medications you take to make sure they’re covered. You can search the doctors, hospitals, and drugs covered by Oscar plans here.Look for plans with perksIf the plans are similar, the prices are just a few dollars' difference, and the networks cover what you need, look for extra perks like fitness rewards and free telemedicine (Oscar plans have both). Give the insurance company a call to see what their customer service is like. Extra benefits like these can make a big difference in your experience during the year—and if you're paying for coverage, you deserve a good experience!Get a free personalized quote or give us a call and talk to a licensed enrollment guide at (855) 672-2788.
- How do I save money on health insurance?
- Depending on how much you make, you might qualify for financial assistance in the form of tax credits immediately applied to your premiums to make your coverage more affordable. If you qualify, you can apply your tax credits to any plan in the marketplace. To qualify for tax credits, you have to report the income you expect to earn as a household (that means your spouse’s paycheck, your kids' jobs, etc.).If you’re married, you have to file your taxes jointly to qualify for assistance. If you’re married but filing separately, you won’t be able to claim tax credits. To claim your credits, you have to enroll through the marketplace.
- How can I find out which doctors are in your network?
- You can search our provider network by doctor name, specialty, symptoms, and more by visiting www.hioscar.com/search.
- How can I see if my prescriptions are covered by Oscar?
- You can find out if your drugs are covered by Oscar and how much they will cost by visiting www.hioscar.com/search, or you can find a list of drugs covered by Oscar in Oscar’s drug formulary here.
Footnotes
Oscar Medical coverage is underwritten by Oscar Insurance Company located in New York, New York. Plans sold in New York are underwritten by Oscar Insurance Corporation located in New York, New York. Plans sold in Florida are underwritten by Oscar Insurance Company of Florida. Plans sold in New Jersey are underwritten by Oscar Garden State Insurance Corporation. Plans sold in California are underwritten by Oscar Health Plan of California. Administrative Services for all plans provided by Oscar Management Corporation. Plans sold in Texas use policy form numbers OSC-TX-IVL-EOC-2022/OSC-TX-IVL-EOC-2022-HIX and associated COC forms OHIN-132872104/OHIN-132872102. Plans sold in Virginia use policy form number OSC-VA-IVL-EOC-2022-HIX/OSC-VA-IVL-EOC-2022 with associated COC form number OHIN-132872104/OHIN-132872102.All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs, and complete details of coverage, contact a licensed agent or Oscar sales representative.
1
$3 Prescriptions include up to 30-day supply of medication and are not available in NY, NJ, CA, or for Catastrophic plans, small group plans, or Medicare plans.
2
$0 prescription refills are via Oscar’s Virtual Urgent Care offerings. Prescriptions, visits and services may be limited per provider discretion. Oscar’s Virtual Urgent Care offerings are not available in US territories or internationally. If you have an HSA-compatible high-deductible health plan or a Secure plan, you won't be eligible for $0 Virtual Urgent Care consultations.
3
Virtual Urgent Care offerings are not available in US territories or internationally. If you have an HSA-compatible high-deductible health plan or a Secure plan, you won't be eligible for $0 visits. Prescriptions, visits and services may be limited per provider discretion.
4
For 2023, Oscar Primary Care is available in TX (excluding Secure plans), NY (excluding Standard Silver, Standard Bronze, and Secure plans), FL, Palm Beach, Miami Dade, and Broward (excluding HSA and Secure plans), AZ (excluding HSA and Secure plans), GA (excluding HSA and Secure plans). Oscar Primary Care providers are employed by Oscar Medical Group, not Oscar Insurance Company or its insurance plan affiliates. Oscar Primary Care is only available to members 18 years of age and older. Prescriptions, visits and services may be limited at the provider’s discretion and Oscar Primary Care is not intended to be used in conjunction with another primary care consultation. Oscar Care in-person visits in conjunction with your virtual visit may have a copayment. Due to medical licensing laws, you must be in your home state at the time of your virtual visit.