Sample policies are for plans in New York, New York. This means that as you pay for medical services, you would reach the deductible and out-of-pocket maximums at the same time. Simple plans come in four different metal tiers: Secure, Bronze, Silver and Gold, with each having a deductible and out-of-pocket maximum being the same. These insurance plans cover 100% of any healthcare costs once you have reached the out-of-pocket maximums. The Simple category of health policies are the most affordable plans that Oscar offers. Deductibles and monthly premiums for these plans will vary depending on your county. Sample policies below are based on plans offered in New York City. If you are looking to cancel your Oscar health policy you can do so either directly through Oscar or via your state health insurance marketplace. If you own or purchase an Oscar policy, make sure to ask your doctor to send any lab work to a preferred provider. Oscar plans do cover preventive lab testing, but it must be processed by Quest Diagnostics or another in-network laboratory to be covered.
OSCAR WHEN FREE
Under the legislation, this includes free preventative care, an annual physical, pregnancy services and certain forms of birth control. This can include prescription drugs and specialty providers like dermatologists or therapists.Īlthough the plans have differences, they all are Affordable Care Act (ACA) qualified health policies and thus cover the essential benefits. Furthermore, the categories also differ in the size of co-pays and co-insurance for specific health services. The main differences between policy levels are the out-of-pocket expenses and deductibles. There are three levels of plans for individual health insurance that Oscar sells: Simple, Saver and Classic health policies. Oscar Health Insurance Plan Options & Costs
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Oscar plans on expanding its medical insurance coverage in the future to access more parts of the country. Since Oscar is still a startup, these are the only states in which its currently available. Oscar offers health plans to a limited number of states and counties:
OSCAR WHEN ZIP
Say you are looking for acupuncture options in New York City - you would go online to the Oscar website, enter your ZIP code, and select the service you need to be provided from a list of qualified in-network acupuncture providers in your area. Then you can interact directly with the provider and plan a visit. While visiting the website, interactive maps, reviews and ratings will pop up when you search for the type of coverage or prescription drugs you need. Oscar provides an easy search function for finding EPO providers. As with other insurers, health insurance through Oscar can be purchased with a credit card. But you can also acquire coverage outside of this period if you have a qualifying life event.
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The deadline to purchase health insurance through Oscar would be during the last day of the Obamacare open enrollment period.
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OSCAR WHEN FULL
However, if you go outside the provider network, you would have to pay extra or full price for services.
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It has an Exclusive Provider Organization (EPO) network, meaning that coverage from any provider in the network will be free or eligible for co-insurance from the company. Oscar Insurance offers individual and business health insurance plans through its website and on state marketplaces.