There are many different types of health insurance companies in the Lone Star State but today we will be focusing on the “new kid on the block.” Let’s talk about Oscar Health insurance in Texas and everything you need to know about it.
From the different types of plans they offer to the reviews and what they cover. We will be going in-depth to Oscar insurance. Feel free to reach out to our team at Cuspide via call or text at (305) 970-8583
While this article is just dedicated to Oscar Health, you must know that there are other companies inside the Affordable Care Act (ACA) and other ways to getObamacare in Texas. Let’s dive in!
What is Oscar Health insurance?
Oscar Health is an insurance company founded in 2012. They offer affordable health plans in Texas as well as many other states in the nation. Mostly known for their high-quality care mixed with a technological approach while being affordable to individuals and families. Oscar joined the Affordable Care Act (Obamacare) in 2013, the same year the health insurance marketplace opened. Oscar insurance company is one of the youngest but already one of the strongest in the Texas marketplace.
Should I choose Oscar insurance?
There are a few reasons as to why you should choose Oscar insurance plans in Texas. Mainly it is because of their different approach. They have a “tech-driven” style to healthcare which sets them apart. Let’s go into some of the many features of this company.
The Oscar insurance provider portal is where members go to check out more details on their plan. From there you can see your out-of-pocket maximum and how much you have left. You can also check out the details about your plan like copays, deductibles, etc. On the Oscar provider portal, you can also find a doctor or specialist. Simply put in the search bar what kind of doctor you want to see, and it will show you in-network options within your zip code. From there, you can also make payments and check any bills. It’s a great tool which they have made user-friendly.
Oscar Health is known for their telemedicine services. What is telemedicine? It skips the hassle of having to go in person and lets your PCP (doctor) evaluate you without you needing to be in the physical office. It is online care. They provide $0 cost sharing for virtual visits. So, if you need online care, then you will get it for free. Doctors and care in general are 24/7. They also offer prescription drugs delivery services in some areas.
With a focus on technology it is no wonder why Oscar insurance company leads the way when it comes to being mobile-friendly. Unlike others, they have a clean and smooth user interface making it easy for anyone to use their app. Make appointments, look at your coverage details, and look up your health information, all through the app. And since everything is moving to virtual and online, Oscar will only get stronger.
Who takes Oscar insurance?
To find out who accepts your insurance plan, there are 3 different ways you can go about it. The first is to call your PCP/facility directly and ask which insurance they accept. If they accept Oscar, then you can go ahead and proceed. If not, you call somewhere else. The second way is to use the Oscar insurance provider portal to look for care near you. Since you are using their own member portal, any place you will accept them. Lastly, contact your insurance broker to help with finding out who accepts Oscar. Need help? Give us a call at (305) 970-8583.
While it is a bit dated you can also check out the coverage map for Oscar health insurance in Texas! Coverage available all throughout the Lone Star state like Houston, Dallas, San Antonio, and many more!
Oscar health insurance reviews
The overall reviews are slightly positive. In general, the average Oscar marketplace insurance gets 3.5 out of 5 stars as a company. However, we at Cuspide give them 4 out of 5 stars. Let’s review and give our pros and cons so you can better understand them. Do not base your decision off another person’s experience!
PROS
- Usually has one of the most affordable prices for lower income individuals and families.
- Lots of flexibility since they offer HMOs, PPOs, and EPOs.
- Best experience with their website and mobile app due to their tech driven innovation.
CONS
- Not available in all states.
- One of the companies with the higher costs of premiums above a certain income level.
At the end of the day, it all comes down to you and your circumstances. For low-income families they are a great choice. For those earning more, then your best option is a bronze plan with Oscar (with $0 deductible) that has good copays and out of pocket max. You should know that most of our clients at Cuspide have Oscar insurance and they are all happy with no complaints!
Get Oscar Health insurance in Texas today!
Find out if you qualify for an affordable health plan with Oscar by contacting us at Cuspide. We are available 24/7 and can help with any questions/doubts you may have. CALL OR TEXT NOW: (305) 970-8583
How much does Oscar health insurance cost?
Forbes Advisor puts the cost of a silver plan with Oscar at around $407 a month (without a subsidy). This is based on a 30-year-old applying through the health insurance marketplace. We recently did the average price of health insurance for 2024 and it is $52 with a subsidy and $408 without a subsidy. Subsidy (Premium Tax Credit) is the help you get from the government to help pay your monthly premium. The less income you make, the more help you will get and vice versa.
As you can see from 2 different data surveys the cost of Oscar insurance is average. Price will depend on where you live and how much income your household has made. The best way to accurately see how much you will make is to contact an insurance agency like us and we will quote you at no cost.
Plans with Oscar health insurance in Texas
Inside Obamacare, there are 3 types of different plans that Oscar offers, and they are EPOs (Exclusive Provider Organization), HMOs (Health Maintenance Organization), and PPOs (Preferred Provider Organization). You can check out the difference between the health plans here, more in depth. Let’s get into the differences and how much they cost. Which one should you go with?
Usually, Oscar insurance has great flexibility when it comes to health insurance coverage. Before choosing a health plan ask yourself “How frequently will I need to use this?” You don’t want to overpay for something you won’t use a lot. Find the sweet spot between price and usability. That’s why we suggest contacting Cuspide!
How do I signup for Oscar health insurance in Texas?
To enroll in Oscar health plans, you must contact an insurance broker. Here at Cuspide we make the process simple with the average time to get covered at around 10 minutes! We help you apply for coverage through the Texas health insurance marketplace. Let’s break it down into 3 simple steps:
1. We quote you and you get to compare and choose plans.
2. Once decided, we grab the information needed to do the application.
3. We will send you the confirmation and make payments if needed.
It is that easy to enroll in Oscar insurance in Texas. Cuspide will help you find doctors, make payments, and be your 24/7 support desk with everything health insurance. We can sell every insurance company in the Texas marketplace which means we can find you the most affordable health plans. Unlike others who can only sell what they have! Don’t wait and enroll today!
Oscar insurance card
After you enrolled you will receive an Oscar health card in your mail. This card will be used to go to your appointments with doctors and specialists so they can look up your information. It has your name, and plan information. Things like deductibles, out-of-pocket max, and copays. It also has the Oscar insurance phone number. When making an appointment they will ask for your member ID. The member ID is located on the card and starts with “OSC”. If you have not received your card, you can contact your insurance agent and they can send you another one. Through the Oscar provider portal, they can send you a digital copy as well that works.
Oscar insurance company FAQ
Yes, it is good. It is already one of the best health insurance companies due to their great user experience. They have all three different plans (HMOs, EPOs, and PPOs) for everyone’s different needs. They are one of the newer companies but have already made a name for themselves with their focus on affordable coverage and tech. Competitive prices for every different income level. The majority of our clients have Oscar insurance, and they are all satisfied with their health plan.
Like every other insurance company, Oscar covers the 10 essential health benefits that are mandatory. Things like doctor’s visits, hospitalization, emergency rooms, maternity care, mental health services, and many more. Just because it covers these does not mean it is free! Every company has different copays and deductibles that you must pay to receive these services. Oscar health plans usually have good copays and low deductibles/out of pocket max. Contact us at Cuspide for more information!
Yes, Oscar Health is a real health insurance provider. They were founded in 2012 and joined the ACA (health insurance marketplace) when it first started back in 2014. They provide individuals and families with affordable health coverage. Just like other health insurance companies, they are a part of Obamacare. They have a growing network of providers across the nation. Oscar is not in every state so it is important to check with an insurance agent/broker to enroll.
Next steps to take
If you want Oscar health insurance in Texas, you must contact us at Cuspide! Reach out to us by calling or texting us at (305) 970-8583. They are a great choice for a health plan but may not be the best option for you. So, when you contact us, we will show you ALL the companies so you can compare all of them. Affordable plans are based on many different factors (income, age, household size, location, etc.) So, while Oscar may be cheap for your friend, it may be expensive for you.
A little bit about Cuspide
Hi, my name is Carlos, and I am a licensed insurance professional and founder of Cuspide. Our goal is to make sure everyone gets affordable coverage. We are partnered with all the insurance companies in the Texas marketplace to do just that. When you contact us, you will be mainly speaking with me. Our small but strong team of agents are the most experienced. Starting around the early days of the Affordable Care Act (Obamacare)! If you want to get affordable health insurance in Texas, contact us today!
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