Oscar Health Insurance Plans Explained

Oscar offers individual and family plans in several states, with coverage options starting at age 0 and going up to age 64.

Oscar plans are available in 18 states, including Arizona, California, and New York.

Each plan has a unique set of benefits and prices, with some plans offering more comprehensive coverage than others.

Oscar's individual plans have a maximum out-of-pocket cost of $7,000 per year.

Oscar Texas health plans come with access to great care and the Oscar experience, with free 24/7 calls with doctors and a dedicated health concierge to help manage your care.

Oscar is a new type of health insurance company that uses technology to keep costs low, offering the lowest rates available in their coverage area for 2018.

Their health plans are designed to provide the best possible care, with partnerships in place with hospitals in Austin and San Antonio.

You can make an appointment with any in-network doctor, including specialists, without a referral.

Their San Antonio service area includes Bexar and Comal Counties, while their new Austin service area includes Travis, Williamson, and Hays Counties.

Out of network care will not be covered except in the case of an emergency, so it's essential to stay within their network for non-emergency care.

Oscar health insurance plans offer a range of coverage options for individuals and families.

You can choose from four different plan levels: Classic, Signature, Ultra, and Family.

Oscar health insurance plans offer a range of benefits to help you manage your health. One of the standout features is the cost-saving benefits for diabetic members.

For diabetic members on Individual and Family Plans, Oscar plans to launch a new plan that includes $0 diabetic eye and foot exams, $0 labs to manage diabetes, and out of pocket costs for insulin capped at $100/month.

Additionally, this new plan also includes $0 PCP visits, which can be a huge relief for those with diabetes who need regular check-ups with their primary care physician.

Oscar offers a range of benefits and features to its members.

One of the standout features is the innovative diabetes plan, which is available to members on Individual and Family Plans. Members who enroll in this plan will enjoy cost-saving benefits like $0 diabetic eye and foot exams, $0 labs to manage diabetes, out-of-pocket costs for insulin capped at $100/month, and $0 PCP visits.

You can access great care with Oscar's health plans, which come with free 24/7 calls with doctors and a dedicated health concierge to help manage your care.

Oscar has partnered with hospitals in Austin and San Antonio to provide the best possible care. Their service areas include Bexar and Comal Counties in San Antonio, and Travis, Williamson, and Hays Counties in Austin.

Here are some of the key benefits of Oscar's health plans:

With Oscar, you get a dedicated Health Concierge Team that's always available to help you with your healthcare needs. This team includes three care guides and a nurse who know you personally.

You'll be assigned a small group of care guides who will be your go-to people for any questions or concerns you have. They're like having a personal health assistant, but better!

Your care guides will be the same ones you talk to every time you call or message, so you can build a relationship with them. This personalized approach makes a big difference in how you feel about your healthcare.

You'll also have a nurse on your team who can provide expert advice and guidance on any health-related topics. They're there to support you and help you make informed decisions about your care.

With a dedicated Health Concierge Team like this, you'll feel more confident and in control of your healthcare. You'll know exactly who to turn to for help, and you'll get the personalized care you deserve.

Oscar health insurance plans offer a range of options to fit different budgets and needs.

The cost of Oscar health insurance plans varies depending on the level of coverage and the age of the policyholder. For example, a 30-year-old non-smoker can expect to pay around $400 per month for a bronze plan, while a 50-year-old smoker may pay closer to $700 per month for the same plan.

Oscar's bronze plan has a lower premium but higher out-of-pocket costs, including a deductible of $6,000 and a maximum out-of-pocket (MOOP) of $8,000. By contrast, the platinum plan has a higher premium but lower out-of-pocket costs, including a deductible of $1,000 and a MOOP of $3,000.

Oscar's gold plan falls somewhere in between, with a premium of around $500 per month and a deductible of $2,000 and a MOOP of $5,000. This plan is a good option for those who want a balance between cost and coverage.

Oscar's catastrophic plan is designed for young adults who are exempt from the Affordable Care Act's individual mandate or who don't have access to other health insurance through their employer. This plan has a lower premium but higher out-of-pocket costs, including a deductible of $7,000 and a MOOP of $8,000.

If you're considering an Oscar health insurance plan, you'll want to check the provider network to ensure your preferred doctor and hospital are in-network.

You can do this by using the Provider Finder, which lists several healthcare systems across Texas. Some of these systems include St. David’s HealthCare – Austin, Medical City Healthcare – Dallas-Fort Worth, and Methodist Healthcare System – San Antonio.

If you live in certain counties, such as Harris, Fort Bend, Montgomery, Galveston, or Brazoria, you'll have the option to choose between two provider networks.

Here are some of the healthcare systems listed in the Provider Finder:

Our provider search tool can also help you see if your preferred doctor and hospital accepts the plan you're considering.