Oscar Health Reviews 

SCAM! Their Broker stole my information and enrolled me into an insurance plan under OSCAR in Taxes and use of the government premium tax credits or subsidies on my behalf.

I’m 46 years old and my physician said Oscar was supposed to cover my insurance plan if I’m 45+ years old for a payment that costs OVER $900 but when I called customer service, they said I have to be 50+. I’ve been lied to several times. 1 star review

If I could give them zero stars I would. I paid $360 for my daughter and I WITH NO INCOME, for them to cover literally nothing. I also cannot get someone on the phone to cancel and they keep charging me even though I’m not paying anything. I refuse. They are terrible. The only way to get someone on the phone is to pretend you’re enrolling as a new customer and once they get you on the phone they “transfer you” back to the main menu. Aka you cannot get a hold of anyone. Worst insurance company I have ever dealt with and definitely do not recommend.

I just signed on to Oscar in January. I paid my monthly premium and I’m still waiting for my Medication. I called customer service because the Pharmacist stated they still haven’t replied. It’s been 5 days and still nothing. I’m giving them 5 more days, if I haven’t heard anything by then, I’m cancelling and contacting the Better Business Bureau to see if I can get my money back. Also, most Dr’s offices and Pharmacies won’t accept their insurance because of non payment! That should have been my red flag but I believe in giving everyone the benefit of the doubt.🤔

The situation with Oscar Health Insurance is not merely a personal grievance; it is a glaring example of systemic malpractice that undermines the integrity of the healthcare system. The company has allowed unscrupulous agents, motivated solely by commission, to exploit the marketplace, enrolling individuals without their informed consent. This is a blatant violation of ethical standards and consumer rights.

Despite having secured legitimate coverage through United Healthcare since 2023, I have been subjected to the unauthorized use of my personal information by these fraudsters from 2024 to 2026. Oscar Health's refusal to rectify this situation, despite clear evidence of fraudulent applications from 2024 and 2025, is not just negligent; it is a calculated disregard for the trust placed in them by their members.

This behavior is not just bad business; it is an affront to the principles of honesty and transparency that should govern the healthcare industry. Oscar Health claims to prioritize integrity and compliance, yet their actions tell a different story. They have failed to uphold their own Code of Conduct, which mandates ethical dealings and respect for member privacy.

I urge anyone who suspects they may be victims of similar fraudulent practices to take immediate action. Verify your enrollment status and ensure that your personal information is not being misused. The Centers for Medicare and Medicaid Services (CMS) has acknowledged the rise in improper enrollments and provides resources for reporting such incidents. It is imperative that we hold companies like Oscar Health accountable for their unethical practices and demand a healthcare system that truly serves the interests of its members.

Poor Customer Service, I was trying to get prescription medication refilled for a three month versus one month supply and they said my request would be processed in three days. It’s been three weeks and I have heard nothing.
They also tripled their cost for the same plan going from 2025 into 2026 with not so much as an email.
Very willing to take your money yet will not follow up or reply to their actual customers

Have been with Oscar for two months and already had three customer service issues including spending an hour on the phone trying to resolve a technical glitch on Oscar's end that refused to send approval to a provider, a crazy phishing/malware spam email, and the inability to log in to my account to make a payment. Would not choose again and look forward to switching plans when it's possible.

2/8/26 Update: still having issues with login. Spend at least 1 hour on the phone each time with customer service reps who can’t do anything to resolve the issue. I think I’d rather not have insurance than try to navigate this convoluted system that based on their mailing address is probably just a shell for a NYC VC hedge fund rather than legitimate health insurance.

Teledoc DOES NOT HAVE DOCTORS. Has nurse practitioners that cannot do anything to help. I had teledoc with Cigna amd they were great. I just got Oscar this year and will likely end up with pneumonia and they could care less because are not authorized to do anything besides tell you to go in, in person. If I felt well enough to go in - wouldn't need teledoc. Super annoyed already.

The worst insurance I've ever seen Truly garbage, even generic drugs, they don't okay. They just want your money. The worst insurance I've ever seen, you could pay at least for generic drugs. They paid for nothing at the end of February. I will no longer have them or no longer want them. They just want your money. And if test pilot has a problem, my review, take it off, I don't care the worst insurance I've ever seen.

scam insurance. They dont pay anything. I got $10,000 bill. Edit 02/2026 I just found out Oscar insurance canceled my insurance for 2025 which I had insurance. They took money from marketplace and I made my payment $48 a month I think maybe $24 a month I’m not sure but now I’m getting bills from 2025 June and July August if I didn’t have insurance why I have never ever pay a co-pay but I have visited my doctors isn’t that interesting? Are you guys took $24 a month from my pocket this is something going on and I cannot figure out and I have $25,000 bill waiting for me.

If I could give 0 stars I would. They are hard to deal with, and will stall, delay, deny, and overall give you the run around on claims that they should be supporting. They provide partial answers that change every time you talk with them. In my specific case two in network hospitals could not perform the procedure I required. They approved an out of network hospital and so far have denied all claims from the hospital for over 7 months. They give bull shit excuses like they do not have a detailed billing, although the hospital and I have given that to them. They make continual excuses to not answer the real reason they are not paying the claim. I thought this may happen so I kept very detailed records of conversations, emails, text messages, etc. It basically did me no good. The Ohio Department of Insurance was no help at all, congress and the Governor have been no help at all. Not only did I pay my monthly payments, my $10,000 out of pocket max, but I will end up paying for the hospital bill as well. What a joke for health insurance. They will never get my money again. Run far away from them.

Once you are enrolled, things change. Took over month to get an ID card, had to order it several times. No welcome package ever arrived. Once enrolled and needing to pick your Primary Care Provider (PCP) doctor, the listing of docs is incorrect. Several doctors are listed as accepting new patients but at mulitple locations the doctors are not there nor have they been. Several docs in my area close to home were listed at a Rehab/Nursing home facility and several others listed at a Health Dept. and then at a Bariatric Weight loss place. Called all to verify and none of these places accept patients and the doctors are not part of their staff nor do they provide any type of primary care. Trying to call Oscar and speaking with an understandable English speaking person seems impossible. When requesting to speak with someone else, they disconnect you. Then they have docs that are just virtual docs, but they have no appointments. Employees on the phone through Oscar said they don't have Virtual PCP's while I am simultanously looking at the list on the my computer. This insurance is not what they promoted and I will be turning them in for insurance investigation. I can't pick a doctor that they are requiring within a few days, if you don't have them available. This is not that the doctors have left the plan, they were not ever part of the plan nor are the facilities that they are indicating. I believe this was false to make their list of doctors accepting new doctors look more inviting so you would feel as though you have a much larger selection. If you can't get care, then this is not insurance. I will also be seeking to get out of this plan but of course they waited to send ID card until after the January 15th deadline.

After they saw my review they wanted my info to contact me which I gladly provided. That goes absolutely nowhere. Nothing has changed, all the same bad info and more is still on the website taking hours of wasted time. PCP's, specialist and urgent care facilitie are wrong and some are even closed for almost a year. Also, they only seem to contract with third rate radiology facilities. I am as if not more displeased with the insurance company itself.

My previous gynecologist stopped taking Oscar, however website still shows him in Network. Needless to say, ALL other gynecologists that I have contacted, that show "in network" are NOT accepting Oscar. When I call, they are accepting patients...just not Oscar patients. My concern is that this will be the case with most doctors they show "in network."

This is the most bad insurance i ever dealt with the App is horrible it tells you to do a task an bd nothing happens an bd when to speak to some one for example this guy he talks so sluggish and slow like he’s on something when you ask a question he responds back late and customer service do not help you with the app it’s very bad

WASTE, FRAUD, ABUSE!
Their In-Network Provider List is a work of fiction!
I signed up for Oscar Health with The Affordable Care Act. I checked their provider list BEFORE signing up. All of the doctors I had been seeing, including my old primary care, were on their list. But after I got signed up, I started calling to get appointments but it turns out NONE of them accept it. I then called 8 other doctors on their list near me. You guessed it, not a single one of them actually takes Oscar. So I decided to go to an urgent care. First 4 of those I called do not take it, but at least the 5th one did, even though they were 22 miles away (in a metro area!). Got a referral for an orthopedist which I desperately need. And they have just ONE orthopedist in-network for the ENTIRE STATE OF FLORIDA! 18 million people and just one orthopedist. Who is 200 miles and 4 hours away from me.
But they are collecting $1568 in federal Affordable Care Act subsidies.

I never expect much from insurance companies, especially health insurance companies…. Oscar has been BY FAR The Worst “health insurance coverage” I have ever had (01-01-2025 to 12-31-2025) Their website is impossible to navigate and full of incorrect or misleading information regarding coverage, providers, etc. Customer service is a joke, they quote one business day to respond and often take longer, when they do respond they don’t even answer your question, as if they aren’t taking anytime at all to read what you wrote. You will wait on hold for hours trying to speak with a human and half the time get hung up on mid conversation for no reason. They don’t cover some of the most basic medications. They wouldn’t even authorize one that I desperately need which is not only common but also the safest option for me with the least side effects, and my doctor advocated for me several times to try to get it approved but they absolutely refused. I spent hundreds of dollars on simple blood tests and lab work that I have never paid so much out of pocket for before. They would’t even cover follow up sonogram after an abnormal monogram. I spent several days learning about and comparing health plans before choosing and so it wasn’t like I blindly went in to it and randomly chose Oscar. I feel like I was bait and switched. I wish I could get the last year of my life back.

Extremely bad customer service if you need to ask anything. Extremely well built system to hide from their clients. Nearby impossible to get a person to talk with. When you finally have someone he/she is only reading their paperwork and refuse to provide you advice/help in your actual question.

UPDATE: Finally customer service reached me out and easily figured out all the concerns. Sad that I have to post not really good review to get it done right but it is what it is. Thanks anyway!

ORIGINAL:Worst customer service experience ever. Countless reconnects to other agents, zero help.
However, coverage works, that's why 3/5

Working as a HIPPA complaint PA nurse with a Major Pharmacy in assisting Patient and Doctor's Office to get Approval has been challenging lately. Apparently last two year I was able to get PA status so we can assist Doctors and patients to provide the right info get the PA approved. Most times Doctor and Insurance only communicate by Fax which as you can imagine can get missed and cause delays. So pharmacy PA staff serves as a bridge. By changing their policy and refusing to give the bare minimum info that we asked for. Oscar is doing an injustice to the patients. We are all healthcare workers working to provide Patient with best outcome but apparently Policy makers at Oscar don't care about that.

My husband had his colonoscopy earlier this year and Oscar refused to pay for the anesthesia - because it was not a medical necessity for the surgery!!! The anesthesia Dr's office was fighting for multiple cases including ours. Thankfully they wrote off their fee of $1,000 to us because Oscar would not break on this one. I can only imagine how much this office lost because of the wording in their policy. I wonder if the President of Oscar and high level executives have their colonoscopies with no anesthesia. We swore we would not use their insurance again this year but they are by far the cheapest for our budget. I know we will regret it.