Oscar Health Reviews 

280
•
TrustScore 1.5 out of 5

1.3

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Review summary

Created with AI, based on recent reviews

Evaluating 83 reviews, most reviewers were let down by their experience overall. People frequently complain about unhelpful customer service representatives, long hold times, and unexpected medical bills arriving long after receiving care. Reviewers also mention that medical coverage is extremely limited, plans fail to cover routine exams, and prescription claims are constantly denied. Some reviewers were happy with specific staff members who provided genuinely helpful assistance during difficult situations. A few customers noted that certain care representatives were exceptionally kind, patient, and thorough when resolving complex insurance questions. These individuals turned difficult experiences around by offering proper guidance and taking time to answer every concern fully.

What people talk about most

Service

People report negative experiences with service, expressing widespread dissatisfaction over high monthly... See more

Customer service

Customers reported deep dissatisfaction with customer service, noting that agents frequently provide... See more

Staff

Consumers find staff to be frustrating, with reviewers frequently reporting that agents pass callers between... See more

Price

Users describe negative interactions with price, frequently reporting high out-of-pocket costs, expensive... See more

Payment

Reviewers express profound dissatisfaction regarding payment issues, noting that consumers frequently end up... See more

Reviews shaping this summary

Rated 1 out of 5 stars

Constant declines with no detail. Call Oscar and they confirm hearing aids are a covered benefit. Doctor submits a pre auth using every hearing aid code and all come up not covered. They completely... See more

Company replied

Rated 1 out of 5 stars

High price, even with the gold plan we have a 8500 deductible per person, they love to deny prescriptions, and wait the alotted time to release them through the denial process so a month minimumif yo... See more

Rated 1 out of 5 stars

Absolute worst insurance provider i have ever worked with. they do not cover any medical expenses outside of primary care visits, dont even cover annual physicals or urgent care. everytime i get a ser... See more

Rated 1 out of 5 stars

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... See more


Company details

  1. Insurance company

Written by the company

Oscar Health, Inc. is a leading healthcare technology company, whose mission is to make a healthier life accessible and affordable for all. We started Oscar in 2012 to create the kind of health insurance company we would want for ourselves—one that behaves like a doctor in the family. We believe every American deserves access to affordable, high-quality healthcare that fits their needs.


Contact info

1.3

Bad

TrustScore 1.5 out of 5

280 reviews

5-star
4-star
3-star
2-star
1-star

No recent history of asking for reviews

This company hasn't invited customers recently, so reviews may not be representative

Replied to 41% of negative reviews

Typically replies within 1 week

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1.3

All reviews

(280)

93 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 1 out of 5 stars

Don't care about you

This company doesn't care about you at all. After 8 months of hurting with it only getting worse, they denied request for an mri twice!! Being told, basically, that the use of my hands is not life altering and the mri is not medically necessary.

5 April 2024
Unprompted review
Oscar Health logo

Reply from Oscar Health

Hi, thanks for reaching out. We’re very sorry about this experience and we’d like to help. Please send us an email at reviews@hioscar.com with a brief description of your issue, and we can assist you with this.

Any information sent through email is inherently insecure. If you send Protected Health Information (PHI) and/or Personal Identifiable Information (PII) through email, you do so at your own risk.

Rated 1 out of 5 stars

Absolutely horrible company

Absolutely horrible company. Worst insurance ever, and one of the only ones available in the Marketplace. Affordable care? Nope. I can't believe our government thinks this is acceptable for anyone. Huge co-pays and out of pockets, they deny way more claims than they pay, pre-authorizations are always denied, horrible customer service, no specialists within 3 hours of my major big city. Just ridiculous, a rip-off and they should be put out of business.

1 April 2024
Unprompted review
Oscar Health logo

Reply from Oscar Health

Hi, thanks for reaching out. We’re very sorry about this experience and we’d like to help. Please send us an email at reviews@hioscar.com with a brief description of your issue, and we can assist you with this.

Any information sent through email is inherently insecure. If you send Protected Health Information (PHI) and/or Personal Identifiable Information (PII) through email, you do so at your own risk.

Rated 1 out of 5 stars

Worse health insurance

Worse health insurance! Half the doctors are no good. Specialty doctors take months to be see and God forbid you get sick while out of town. Get ready to pay a HUGE bill bx they won't cover unless you end up in the E.R dying.

23 March 2024
Unprompted review
Oscar Health logo

Reply from Oscar Health

Hi, thanks for reaching out. We’re very sorry about this experience and we’d like to help. Please send us an email at reviews@hioscar.com with a brief description of your issue, and we can assist you with this.

Any information sent through email is inherently insecure. If you send Protected Health Information (PHI) and/or Personal Identifiable Information (PII) through email, you do so at your own risk.

Rated 1 out of 5 stars

I went to urgent care on 3/15/24…

I went to urgent care on 3/15/24 because I wasn't feeling well. Piedmont Urgent Care does not take Oscar Insurance here in Georgia. They told me that I would have to pay $210 up front just to be seen by the doctor, so I ended up leaving, but come to find out that I am sick with Covid...smdh. I'm looking at the reviews and Oscar has a one ⭐. Lord help us all. No one takes Oscar Insurance but Grady Clinics and Grady Hospital apparently!!

14 March 2024
Unprompted review
Oscar Health logo

Reply from Oscar Health

Hi, thanks for reaching out. We’re very sorry about this experience and we’d like to help. Please send us an email at reviews@hioscar.com with a brief description of your issue, and we can assist you with this.

Any information sent through email is inherently insecure. If you send Protected Health Information (PHI) and/or Personal Identifiable Information (PII) through email, you do so at your own risk.

Rated 1 out of 5 stars

Don't trust the app

Insect bite, swelling, itching, pain and area is hot. Went on the Oscar app to find an Urgent care "in network" found one, clicked on directions, drive and hour only to find that that don't accept Oscar! $150 out of pocket!

15 March 2024
Unprompted review
Oscar Health logo

Reply from Oscar Health

Hi, thanks for reaching out. We’re very sorry about this experience and we’d like to help. Please send us an email at reviews@hioscar.com with a brief description of your issue, and we can assist you with this.

Any information sent through email is inherently insecure. If you send Protected Health Information (PHI) and/or Personal Identifiable Information (PII) through email, you do so at your own risk.

Rated 1 out of 5 stars

Quite possibly the worst health…

Quite possibly the worst health insurance company in NY. And that’s saying something

1 March 2024
Unprompted review
Oscar Health logo

Reply from Oscar Health

Hi, thanks for reaching out. We’re very sorry about this experience and we’d like to help. Please send us an email at reviews@hioscar.com with a brief description of your issue, and we can assist you with this.

Any information sent through email is inherently insecure. If you send Protected Health Information (PHI) and/or Personal Identifiable Information (PII) through email, you do so at your own risk.

Rated 1 out of 5 stars

Absolutely horrible

Absolutely horrible. These people don't care about helping anything but their profit margins. The app is constantly broken no matter how much you try to report, so you can't contact your doctor half the time. They ignore refill requests, don't care if medication that THEIR DOCTOR PRESCRIBED runs out, refuse to cover things despite having everything required, and like to run right against the line of felonies with how they treat people. Avoid them at every cost.

15 January 2024
Unprompted review
Oscar Health logo

Reply from Oscar Health

Hi, thanks for reaching out. We’re very sorry about this experience and we’d like to help. Please send us an email at reviews@hioscar.com with a brief description of your issue, and we can assist you with this.

Any information sent through email is inherently insecure. If you send Protected Health Information (PHI) and/or Personal Identifiable Information (PII) through email, you do so at your own risk.

Rated 1 out of 5 stars

Everything Wrong with American Health Insurance

This company is terrible. They auto-enrolled me in a plan that I didn't want this year and have now charged me twice without my consent.

They also hit me with a $8,000 dollar bill after a hospital stay.

The worst is that you can't speak with a human being if you try to get into contact with them. There is no way to message their administrators and their phone answering machine is an endless loop of unhelpful automated messages.

1 February 2024
Unprompted review
Oscar Health logo

Reply from Oscar Health

Hi, thanks for reaching out. We’re very sorry about this experience and we’d like to help. Please send us an email at reviews@hioscar.com with a brief description of your issue, and we can assist you with this.

Any information sent through email is inherently insecure. If you send Protected Health Information (PHI) and/or Personal Identifiable Information (PII) through email, you do so at your own risk.

Rated 1 out of 5 stars

My son had an Oscar plan

My son had an Oscar plan. He was told by an employee that if he wanted to renew, just fill out his yearly info on the marketplace and his insurance would only be a couple dollars more upon renewal. They sent him a card showing his plan and zero copays. Then he gets a bill for several hundred dollars. When we called,we asked for a supervisor. She refused to give us a supervisor. We had a hard time understanding her. She kept saying you need to call the marketplace. I told her we were calling about what Oscars employee said to us and again asked for a supervisor. She said she would do a three way call with the marketplace but all she did was transfer us. Terrible customer service. First hire employees that have a good grasp of English. But when a customer asks to speak to a supervisor you should be given a supervisor not lied too and transferred so you don’t have to deal with it. Never again.

4 January 2024
Unprompted review
Oscar Health logo

Reply from Oscar Health

Hi, thanks for reaching out. We’re very sorry about this experience and we’d like to help. Please send us an email at reviews@hioscar.com with a brief description of your issue, and we can assist you with this.

Any information sent through email is inherently insecure. If you send Protected Health Information (PHI) and/or Personal Identifiable Information (PII) through email, you do so at your own risk.

Rated 1 out of 5 stars

When I scanned the qr code on the card…

When I scanned the qr code on the card they sent me it took me to a China shopping website.

8 November 2023
Unprompted review
Oscar Health logo

Reply from Oscar Health

Hi, thanks for reaching out. We’re very sorry about this experience and we’d like to help. Please send us an email at reviews@hioscar.com with a brief description of your issue, and we can assist you with this.

Any information sent through email is inherently insecure. If you send Protected Health Information (PHI) and/or Personal Identifiable Information (PII) through email, you do so at your own risk.

Rated 3 out of 5 stars

Good insurance for PCP only

Overall 2023 experience. Good insurance for PCP. If you want a specialist, forget it in the DFW area. I have paid out of pocket for specialist. For meds... I have found that goodrx is better along with the kroger plan.

25 October 2023
Unprompted review
Rated 1 out of 5 stars

Worst insurance company ever

Worst insurance company ever. DO NOT BUY!! They deny every claim and then if they do pay it's very little.

25 October 2023
Unprompted review
Oscar Health logo

Reply from Oscar Health

Hi, thanks for reaching out. We’re very sorry about this experience and we’d like to help. Please send us an email at reviews@hioscar.com with a brief description of your issue, and we can assist you with this.

Any information sent through email is inherently insecure. If you send Protected Health Information (PHI) and/or Personal Identifiable Information (PII) through email, you do so at your own risk.

Rated 1 out of 5 stars

I deal with medical claims at a…

I deal with medical claims at a doctor's office...Oscar is the worst company I have dealt with in 30 years of insurance filing and billing. Customer service which is of course outsourced to Asia (like many others) is a joke! They take information, give you escalation numbers ..and that is where it stops. Calling back 5 times over a course of months to find out nothing has been done...they then give you another escalation number! This company needs to go away..as I expect it will. As a consumer...don't waste your money.. medical doctors and other providers will start dropping off the plan as they do not pay their claims. Another lousy Obama plan that can't make it.

14 September 2023
Unprompted review
Oscar Health logo

Reply from Oscar Health

Hi, thanks for reaching out. We’re very sorry about this experience and we’d like to help. Please send us an email at reviews@hioscar.com with a brief description of your issue, and we can assist you with this.

Any information sent through email is inherently insecure. If you send Protected Health Information (PHI) and/or Personal Identifiable Information (PII) through email, you do so at your own risk.

Rated 5 out of 5 stars

bringing insurance into the 21st century

i CANNOT believe im seeing these reviews. Oscar is the best thing that's happened to insurance! They have a great website, online chat to open up tickets (no more spending hours on the phone) totally responsive and always following through. Doctors seem to love them also (my doctor told me they wont accept blue shield anymore as they take too long to pay out and suggested i switch) best move i have ever made!

29 August 2023
Unprompted review
Rated 1 out of 5 stars

Absolutely terrible

Absolutely terrible , took me forever to convince them to get me an MRI for sciatica and i still had to pay a chunk of it. i'm 45, healthy and somehow pay $500 almost a month for health insurance with them and couldn't get them to approve a measly MRI easily

13 December 2022
Unprompted review
Oscar Health logo

Reply from Oscar Health

Hi, thanks for reaching out. We’re very sorry about this experience and we’d like to help. Please send us an email at reviews@hioscar.com with a brief description of your issue, and we can assist you with this.

Any information sent through email is inherently insecure. If you send Protected Health Information (PHI) and/or Personal Identifiable Information (PII) through email, you do so at your own risk.

Rated 1 out of 5 stars

Worst insurance Ever

I've had 3 eye surgeries and they refused to pay. I'm hiring a lawyer to sue them.

21 July 2023
Unprompted review
Oscar Health logo

Reply from Oscar Health

Hi, thanks for reaching out. We’re very sorry about this experience and we’d like to help. Please send us an email at reviews@hioscar.com with a brief description of your issue, and we can assist you with this.

Any information sent through email is inherently insecure. If you send Protected Health Information (PHI) and/or Personal Identifiable Information (PII) through email, you do so at your own risk.

Rated 1 out of 5 stars

Constant fight for claims to be covered

Getting claims covered is a fight every single time. When you call the service number, approximately 50% of the time it hangs up on you either between transfers or while on hold. The benefits dept is unable to consistently explain benefits. One person says it's covered and another says it isn't. I have had to roll through insurance companies as employer programs change and now have to go through marketplace and purchased insurance with Oscar. I have never had to spend so time back and forth on the phone with insurance. Worst company ever!!

18 February 2023
Unprompted review
Oscar Health logo

Reply from Oscar Health

Hi, thanks for reaching out. We’re very sorry about this experience and we’d like to help. Please send us an email at reviews@hioscar.com with a brief description of your issue, and we can assist you with this.

Any information sent through email is inherently insecure. If you send Protected Health Information (PHI) and/or Personal Identifiable Information (PII) through email, you do so at your own risk.

Rated 1 out of 5 stars

STAY AWAY!

This company should not even be allowed to operate. It's a complete sham and scam. They're happy to collect your premiums but charge for every test that should completely be covered by an annual physical and will not approve absolutely needed medications that other insurers have already approved. Their online message must be either answered by bots or people who completely have no idea how to answer health related or billing issues. they ignore you and brush you off with ridiculous answers. STAY AWAY!

24 June 2023
Unprompted review
Rated 1 out of 5 stars

Listen just don't bother really

Listen just don't bother really with these people, they will not cover anything, I mean nothing no medications no labs nothing they will also charge your account multiple times for the monthly premium leaving your account overdrafted and they will not help vou resolve any problems you may have, they never have an answers to anv guestions whatsoever. I am honestly flabbergasted they still a running company, terrible services being barely provided, terrible customer service I mean I am just in shocked. I rather have no insurance than to have Oscar insurance. Asking for itemized bill from all my providers from today on.

22 June 2023
Unprompted review

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