Best Health Insurance Companies In Pa - Oscar Health Insurance sells individual and small business health plans in limited areas of the United States. Oscar has great member benefits and a great mobile app that customers can use for virtual doctor visits, some of which are free. But the company's individual plans cost more than some competing plans, and customer satisfaction ratings are average.
Oscar's plans are good for consumers who want the convenience of a top-rated mobile app with useful features like virtual health visits. And the company's dedicated care teams are perfect for members who want personalized service tailored to their health needs and insurance plan.
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While customers are satisfied with Oscar's mobile app and care teams, some report problems in reaching a care team member and a poor overall customer experience.
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You can buy an Oscar individual health insurance plan through HealthCare.gov or on a state health insurance marketplace, and the company sells small business health insurance plans in limited areas.
Buyers can also browse Oscar's health insurance plans and provider network on the company's website. Provider Search includes interactive maps, reviews and ratings to help you make your choice. Once enrolled, you can interact directly with network providers to schedule healthcare visits.
In some states, plans are offered statewide and in others in limited areas. For example, Oscar plans are sold throughout Nebraska, but only in two counties in Arizona.
Individual Oscar plans come in all five plan levels: Catastrophic, Bronze, Silver, Gold and Platinum, depending on where you live. All plans cover essential benefits required under the Affordable Care Act (ACA).
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In general, monthly rates are lowest for catastrophic plans and increase at each metal level, with platinum being the most expensive. But while you pay more monthly for the Gold and Platinum plans, you pay lower deductibles and co-payments when you get health care, making these plans best for people with frequent health care needs.
Average Oscar metal floor rates in Texas range from $312 to $1,103 per month depending on your age and the metal floor you choose.
Oscar does not sell platinum plans in the Texas health insurance market, but offers them through the company's website.
In Texas and other states, silver plans can cost more than gold plans. That's because Silver plans offer income subsidies that help lower your out-of-pocket insurance costs, and some of those costs can be offset by higher premiums. Compare plans carefully, including possible subsidies, to make sure you get the best deal.
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Within the Affordable Care Act plan classes, Oscar may offer one or more of its plan categories, depending on location: Simple Savings, Simple, Classic or Elite.
The Simple Saver plan works well for those with fewer medical needs because you pay a low, flat fee for primary care visits, but pay more for specialty care and other services. While the Simple Saver plan has a cheaper rate and a relatively low deductible, you pay 100% of the cost of most of your care, including specialist visits and physical therapy, as long as you meet your deductible. After that, you pay a smaller portion of the cost of that service, but it's still a percentage compared to a fixed fee.
A simple plan is good for people with moderate health care needs. It has a lower deductible than the Simple Saver plan, which you can meet quickly if you have frequent medical needs. Simple plans charge a higher percentage of your medical expenses than Simple Saver plans.
These programs may be best for those who frequently need health care. With a classic plan, you pay the highest co-payments of the four plan types. For those with the most health needs, we recommend the Elite plans over the Classic plans. If you meet your deductible, Elite plan co-payments are lower than Classic plan co-payments.
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Elite plans are best for those with higher health care needs because frequent use means you can meet your deductible faster. You pay just $7 more a month for the Elite plan than the Classic plan, and once you factor in the deductible, your co-pays are slightly lower than the Classic plan. But some Elite plans have separate drug frequencies, so you should avoid those options if you need help with prescription costs.
Oscar plans cover preventive lab tests, and you'll pay less if you use one of Oscar's preferred labs: BioReference, LabCorp or Quest Diagnostics. If you have or are purchasing scar insurance, be sure to ask your doctor to send lab work to a preferred provider.
The table below compares the price of Oscar Silver with its main competitors in Texas. Oscar is more expensive than Molina but cheaper than Celtic/Ambetter and BlueCross BlueShield of Texas.
Oscar partners with Cigna to offer health plans for small business groups based on number of employees. Oscar Business Plans are only available in certain regions:
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Programs are EPO or PPO depending on location and are available to companies with between one and 50 employees.
If you are eligible for Medicare, Oscar has Medicare Advantage plans available in limited areas. All plans are HMO with drug coverage and cost an average of $3 per month.
Only plans in New York are rated by Medicare, each receiving 3 out of 5 stars for customer satisfaction, which is lower than most major competitor plans.
Medicare Advantage plans in Broward County are available to patients who receive their health care through Holy Cross Medical and Memorial Health providers.
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Oscar has many standard health benefits, but offers unique benefits to policyholders compared to other health insurers. All of these resources are accessible through the Oscar smartphone app or website.
On the app and website, you can monitor your progress towards franchising and review health-related topics such as managing your mental health. When you hit your goal, you can track your progress in the app and be rewarded with up to $100 in Amazon gift cards annually.
After purchasing an Oscar health plan, you will receive a welcome kit that includes your plan ID card, a summary of policy benefits, and a list of all benefits and extras.
Oscar assigns you a dedicated care team to help you with your insurance and healthcare needs. This is a group of professionals, including healthcare guides and nurses, who provide advice on your health on demand. Your care team can help with billing and policy questions and can help you find an available doctor or the best urgent care clinic or emergency room for your situation.
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Your dedicated care team won't change, so you get the same Oscar staff every time you need help. This allows your team to get to know you and your specific health insurance needs and policies. You can access your care team and video conference with them through the Oscar mobile app.
Oscar Care offers free virtual urgent care and in some areas free virtual primary care. With virtual care, you can have a remote face-to-face meeting with an Oscar doctor, from any place and at any time. By visiting Oscar Care, your doctor can diagnose your problem, prescribe a prescription, and even make an appointment with a specialist if necessary.
In fact, Apple users gave the Oscar app a rating of 4.7 out of 5. Oscar members also love the benefits of Oscar Care, which allows quick access to medical care from anywhere.
However, Oscar falls short in overall customer service, billing practices and finding a doctor in network. If you have a preferred doctor, it is best to confirm that you can use this provider before purchasing a policy. Oscar members are also unhappy with the company's limited choices and lack of dental and vision coverage.
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The National Committee for Quality Assurance (NCQA), which evaluates health insurers for customer service and quality of care, gave Oscar a score of 3 out of 5 for overall customer satisfaction, preventive services and health care, an average rate compared to competitor programs. . Oscar received a complaint score of 3.49 from the National Association of Insurance Commissioners (NAIC). This ranking means that Oscar has more than three times more customer complaints than the average insurance company of its size.
The average cost of an all-metal Oscar health insurance policy for a 40-year-old adult is $525 per month. This is above average compared to other health insurance companies in the sector. For some buyers, the Oscar mobile app and Oscar Care benefits may be worth the extra cost.
You can enroll in an Oscar individual health plan during the annual open enrollment period, which begins November 1. You can also apply for coverage during the special enrollment period if you have a qualifying life event, such as moving to a new location or adding. A new family member
Oscar Health offers individual health insurance that is sold through the federal and state insurance marketplaces or on the Oscar Health website. The company also offers small group insurance to businesses with up to 50 employees and Medicare Advantage plans in limited areas.
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Oscar's plans cost more than many competitors' plans, and customer satisfaction is average. but
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