Oscar Health
Oscar Health offers health insurance plans in 18 states and provides a range of services including $0 Virtual Urgent Care, $0 Primary Care in some areas, and low-cost prescription drugs. The company also features a user-friendly app and a proprietary claims system that processes most claims within 5 days.
Services
Oscar Health offers various services including $0 Virtual Urgent Care and, in some areas, $0 Oscar Primary Care. They provide many commonly prescribed prescription drugs for as little as $3. Their app allows members to refill prescriptions, access their digital ID card, message their Care Team, and look up benefits. Members can talk to a provider within minutes at any time through Virtual Urgent Care for $0, but this service is not available in US territories or internationally. Oscar Health also features a Care Team that helps members find in-network providers, understand plan coverage, and navigate claims and bills.
Areas of Operation
Oscar Health offers health insurance plans in 18 states including Arizona, Florida, Georgia, Iowa, Illinois, Kansas, Michigan, Missouri, North Carolina, Nebraska, New Jersey, New York, Ohio, Oklahoma, Pennsylvania, Tennessee, Texas, and Virginia. As of March 31, 2023, they have at least one health plan in 577 counties across 20 states.
Health Plans
Oscar Health provides Individual and Family plans as well as Small Group plans. They expanded to Small Group plans in 2017 and introduced Medicare Advantage in 2020. Their plans include Virtual Primary Care services, which were launched in 2020.
Technology and Innovation
Oscar Health employs cutting-edge technology to enhance their services. Their proprietary claims system pays almost all claims within 15 days, with most paid within 5 days. The Member Engagement Engine leverages personalized data to help members find quality and affordable care. Additionally, the Campaign Builder is a communication and automation platform designed to help healthcare organizations achieve better clinical and business outcomes.
Member Support Features
Oscar Health places a strong emphasis on member support through features like their app, which allows members to set up autopay for bills, refill prescriptions, and connect with their Care Team. Virtual Urgent Care is accessible via their app, offering treatments for conditions like skin issues, allergies, sinus infections, and UTIs. Members can request phone calls or message visits and, in certain areas, receive free same-day prescription delivery through Capsule.