Oscar Health Reviews 

This is the absolutely Worst healthcare insurance you can have. First thing is i had them for a whole year, and i have started getting bills up to 8,000 saying i owe them yet it says oscar has paid ZERO of their part. No wonder i was only able to go to physical therapy at brooks rehabilitation center for only 2 weeks. As i remembered being told by them they no longer take Oscar, since they haven't paid them in over 8 months!! But it gets even better...Oscar fraudulently charged my credit card 3 times,when i no longer had them anymore. I even contacted them and they acted like it wasnt them,it was my credit card company. Needless to say they had to block Oscar....STAY AWAY!!!!!

Worst experience ever.
You get the run around all the time.
There is no follow up.
There is NO support.
When it's time for a refill, you can't get anyone to respond or listen to you.
You are told one thing and it doesn't happen.
I would NEVER EVER recommend them.
I am stuck with them for the rest of the year, and that WAY WAY too long.

Got authorized letter from Oscar for a surgery, got the surgery done, Oscar denied to pay my doctor's office and hospital for the surgery they approved.

Oscar pets is absolutely the worst experience of my entire life (i have gone through some traumatic experiences) i would rather die than give my pet poison than this awfulness. it made my dog depressed and hide until it was dragged out to eat but refused every time and then it threw it all up(no it doesn't have any medical issues). fetch is a much better alternative that turned teddys frown upside down.

I am very unhappy with Oscar for these reason. Pass this along, because I will make sure more organizations are aware of how Oscar treated me with my health issue....

4/14- 5/6 - Remicade was requested and submitted as buy and bill option so benefits were checked as well at this time. Oscar came back and said they wanted Inflectra and not Remicade and that it now needed to be converted to pharmacy benefits , meaning it would be run under your pharmacy benefits.

6/6/22 - inflectra denied

7/14-9/9- we have not heard anything from Oscar so at this point we started Orencia injection and this was approved and you started this.

10/24- visit with provider and Orencia was not working so we went back to trying for inflectra

11/11- per billing manager allow at least 7 business days for authorization decision. At this point we knew your copay would 67.50 per infusion with your copay card from Janssen company.

12/3- denial letter came through for Remicade again stating you needed to try inflectra

12/9- I called Oscar and gave a verbal pa over the phone for inflectra. notes were faxed as well multiple times to them per Oscar to fax to 844-965-9053, and label it to "clinical review team".

1/5/23 - still nothing from Oscar so at this point we sent the rx for inflectra to CVS to see if they would send the medication and or flag a pa and fax it over to us but still nothing.

I terminated their service, my condition has worsened, they didn't care what I'm going through.

This company is very much a SCAM! I received a recent claim on my account for a telephone care service. After a couple of months, they say, "It looks like you received care from a provider outside the Oscar network, so the care you received with them isn't covered by your plan." Now I DO NOT UNDERSTAND THIS! I used Oscar's own platform to connect with the telecare service. It was OSCAR who matched me with the physician. How come the doctor they matched me with on their platform is out of their network? OSCAR SERIOUSLY FAILED! THEY SHOULD PAY FOR THIS!

This insurance is just a nightmare! For once I had rotator cuff and bicep surgery in November. In May I had meniscus surgery, but it failed. I struggle walking. As I started physical therapy, I received a notice of denial shortly after the end of the year 2022. It was not properly specified, and I had eight sessions for my leg and six sessions for my arm. After rotator cuff surgery you need physical therapy for 3 to 4 month minimum. I learnt later that the insurance made a mistake and thought I would not have coverage for them. Finally a letter dated January 4, 2023 reversed the denial. But I received the letter on January 17, 2023. It stated I was approved for the period December 7, 2022 through January 31, 2023. So that gave me 13 days left once I received the letter. I am now having three sessions until I run out of it. Yes, three sessions, which is pretty much useless. yesterday I received another notice, another denial. My previous physical therapy had applied for more physical therapy until March 30, 2023. The denial stated the findings don’t support the need for physical therapy. Further on in another section, it stated that it seems like a duplicate.
Physical therapy does not reevaluate until you have at least 12 sessions. I never got them, because it was denied!
I presume my old physical therapy send the original first evaluation again. They have nothing else, and I cannot make much improvement after six or eight patients. What do they expect!
Since I changed the physical therapy place, they evaluated me Thursday and I hope they will get more therapy, but I have my doubt after all what I went through.
We are also still fighting for another MRI for my foot.
Now comes the best part! The doctor was trying to get injections for my knee, which is completely shot and I will need knee replacement, but we’re trying to delay it.
The injections were denied - among the reasons/ suggestions : I should try PT therapy!!!! Well, give it to me - I want it so badly!
While I have a lot of issues, so far I get denied pretty much everything - I am being neglected! I might be forced to apply for disability because of a miserable uncaring insurance!!!

Worst insurance.
Providers hate them too.
Don’t waste any money on getting this health insurance cs you will end up paying cash for most things anyways.

Oscar is literally the worst health insurance company I've ever had.
Not only did they not cover my claim for an emergency ambulance ride, they lied and said they were covering a portion of it. Not one but SIX DIFFERENT PEOPLE there lied to me on their chat stating they were going to pay some or all of this bill. Then, a full year and four months after the service they deleted my claim and created a NEW CLAIM just so they could deny that one. Of course my appeal was denied. Very shady and useless company, will never use them or any affiliates of theirs ever again. Scammers and thieves, that's Oscar.

Their current commercial states “no hidden charges.” NOT TRUE! I have over a $1200 lab work bill which is now in collections. I have made multiple attempts, and spoke with Oscar reps, with absolutely no success. I’m very disappointed. Especially, because I’m very protective of my credit, and I have a high score. Never been late on anything. They will probably get on here, and reply with a sorry, and still leave me with the bill. Sorry doesn’t pay bills. If they pay it, I return on here and post it, but I doubt they will. I’m stuck with a bill.

Doctors take weeks, even months to get an appointment. Mental health farmed out to Optum, of whose counselors have questionable ethics and own personal problems. Optum have to wade through more online mess to get an appointment. Rates rose in 2022, but benefits cut! Customer service responds with a lot of gobblygook words without getting a direct answer. Changing health insurance this year.

Constantly charging full price when I see the primary's nurse practitioner, AND charged me for September and I cancelled in August. It shows cancelled. Yet they charged me and it's been a week and they refuse to refund me. They give me the runaround on the phone telling me the payment hasn't processed even though it has through my bank and they have my money. 183.00 is a lot of money to just take and not give back.

You don't really know what you've got in an insurer until you need them. Well, now I know. I needed to find a primary care physician that accepted Oscar, so I used Oscar's site as a starting point. I'd find a doctor that Oscar listed as accepting new patients, then call the doctor to make an appointment, and they'd be like, "there's no doctor with that name here". It happened multiple times, so I abandoned Oscar's site and found a doc on my own.

I go see said doctor, and he writes me a prescription for a pill that I need to take twice a day. The pharmacy submits it to Oscar, and they're like "no, we'll only approve it for once a day". But here's the best part - the prescription Oscar would not approve was for TWELVE DOLLARS AND NINETY ONE CENTS. So I paid for it myself without their approval.
And I'm paying Oscar like twenty thousand dollars a year for coverage that basically makes me pay for everything out of pocket. In short, I'm not impressed.

I had to go to the ER for a stomach emergency (cost of $900) and it's been OVER 9 MONTHS that I haven't been reimbursed (yes, it is supposed to be covered under my plan).

Every single time I call Oscar to try to fix it, they say "Ok your claim has been submitted." or "Ok your claim has been escalated".

I then check in 2 weeks later and the staff tell me "someone has cancelled your claim".

Worst health insurance experience ever, just cancelled my membership today and wanted to spread the word so other people don't fall victim to this run-around scheme. You'll end up paying for your own medical bills, on top of paying for health insurance

Been trying to get my prescription for about a month now. No end in site. Endless hoops to jump through.

My experience with an insurance company couldn't be worse. I never had insurance with such vague EOB and unreasonable way to proceed claims. I have claims as old as early March to that their patient amounts keep changing and processing again again and keep changing! Months of follow up with Oscar had no result. I even put a review for Oscar before and here is the Oscar comment on my review: " our team would like to learn more about what may have occurred. Please check your inbox for a followup message." Yet they never contacted me and all my follow ups had absolutely no results up to this date. I have an stressful risky pregnancy and Oscar made everything more difficult by adding lots of stress to the medical process. Very very disappointing insurance.

The worst health insurance company ever!! I had Oscar for 2 years, I am very healthy and I didn’t visit any doctor in the first year but when lockdown came I got depressed, insomnia, sleep apnea than suddenly I got a panic attack around 1 am. I called oscar for advice but the guy sent me an ambulance although I forbidden him. The ambulance came they were also extremely rude, they cared more about my mask than me that I could hardly breathe and took me to cedar Sinai hospital which is 10 minutes walk from my home!! I could have walked there!!! Than I got an injection, some exams than the bill was about 1000 dollars plus labor costs. I did not pay, I could negotiate with the price so I finally paid 200. But some months later I got the ambulance bill of 2500 dollars!! First Oscar said that I have to pay 600 than after 6 months they said that I have to pay full amount! Than the bill went to collector so now I must pay 3000!! Both oscar and the ambulance company are scammers, they want us to get broke, than become homeless with outrageous bills!!! I never wanted ambulance service!!!! They sent me without my permission!!!! So I canceled my health insurance and I don’t have any!! Since than I am healthy, I don’t go to any doctor!!! F… you all scammers!!!!

I purchased an insurance plan with Oscar that listed a price of $0 for Telehealth visits, which I was planning to use for psychology counseling. I inferred that such services would fall in the Telehealth category, since there is no need whatsoever to see a psychologist in person, especially under a pandemic. Alas, the company forces you to see the counselor in person, and charges $125 per hour. This, under a pandemic where millions of people need counseling and protection agains a lethal virus. I contacted the company in this regard to no avail.

So I had to get a medically necessary foot surgery. I called in and found a doc in network and after they went back and forth they cleared me for care and I got my foot fixed. Then 2 months later, they said the surgery was elective and didn’t add the $5,000 I spent to my deductible and out of pocket saying it wasn’t a necessary procedure. My foot surgeon was dumbfounded and said in his 20 something years of being a doctor he had never heard of a company taking back a medical clearance after a surgery.

He wrote a letter of medical necessity and they ended up covering it. Then… 6 months late I started getting copays from doctors after having reached my deductible and they said my surgery wasn’t covered because it was elective and so now I’m going through the same situation all over again!!! Absolutely outraged. I’m sure eventually sometime in 3 years they will decide it’s necessary but geez save your time and go for a different company!!

I had Oscar for 3 months. They are worthless.

They claimed a provider was in-network on their site, when that provider was not. They are currently "resolving" this, and have been for months, but it increasingly looks like I'll be on the hook for the entire bill amount.

Second, and more egregiously, they claimed that "I did not make payment for overdue balances" for the last month, even though I paid all of my three premiums. For this reason they rejected a claim they should have covered during my last month of coverage, for which I paid all of my premiums.

It looks like we'll be on the hook for about $2000 to cover payments that Oscar was supposed to.