hi, we’re oscar, a new kind of health insurance company. aggregator kit.pdf · oscar is a new...
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Hi, we’re Oscar, a new kind ofhealth insurancecompany.
Stuff thatʼs in here.
Hello 1
Network 2
Benefits 4
Plans 8
Site & Tools 12
Contact 18
So let’s begin by simply saying,
Hi, we’re Oscar.
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Healthcare can be pretty stressful, complicated, and difficult. So we set out to create the kind of health insurance weʼd want for ourselves, our friends, and our families.
Oscar is a new kind of health insurance company, built for the modern world. With low cost plans, an expansive network of New Yorkʼs best providers, and benefits that actually make sense, weʼre bringing humanity back to healthcare.
We’ve also worked hard to integrate modern technology into health insurance, making everything simpler, more intuitive, and more accessible.
We pride ourselves on having a large, open network of providers across all of our plans. Oscar members will have access to over 41,000 providers including 12,000 Primary Care Physicians in the New York metro area. And weʼre accepted in almost every hospital in our service area (83 and counting).
We also make it easy for Oscar members to access the network with online tools — so finding the right provider is just a click away.
Service Area • Manhattan • Brooklyn • Bronx • Queens • Staten Island • Rockland County • Westchester County • Nassau County • Suffolk County
Network Our doctors are your neighbors.
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83 area hospitals
Over 41,000 providers
We’re in the business of making people feel better.
Benefits From head to toe.
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Oscar provides all the essential health benefits, like regular checkups with a Primary Care Physician, emergency care, hospital visits, access to specialists, and prescription drugs. We also offer unique features and services not provided by other health insurance carriers for all Oscar members, and these are the things weʼre really excited about. All of these awesome benefits and more are listed in the Plans section.
Prescription drugs
Hospital visits
Screenings
Lab tests
Access to specialists
ImmunizationsTop providers
Gym memberships
Wellness checkups
Simple web tools show people where to get care and how much they might pay. The result: They won't be surprised by healthcare bills again.
We never want anyone to choose between taking medications and saving money. Thatʼs why we have plans that offer free generic drugs.
Free Adult PCP Visits
Smart TechnologyFree Generic Drugs
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Just click our doctor helpline and a board certified physician will call you back within an hour. People can use it day or night, as often as they want, for free.
TeladocIn addition to free physicals, Oscar offers up to 3 free adult PCP visits a year at no additional cost to members — our way of making sure people take care of themselves.
Plans The perfect health plan.And some help choosing it.At Oscar, we’re able to offer some of the most competitively priced plans in the area — each of which covers essential health benefits as well as our special Oscar benefits. Everyone has different needs and we have a variety of plans to suit them.
Keep in mind that some people will qualify for cost sharing reductions (CSR) that will discount the price of certain Oscar plans. But that doesnʼt mean they’re missing out on anything either. CSR plans have access to the enhanced benefits and perks.
We built a nice little tool to help people find the right plan for their budget.Visit HiOscar.com/calculator to get a plan estimate.
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Adults in your household
Children aged 19-26
Children under 19
Annual taxable income
County of residence
Plan type
2
0
2
$ 50000
Queens
Bronze
C A L C U L A T E R A T E SC A L C U L A T E R A T E S
Or check out the details here.
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Oscar Plans and BenefitsOscar Edge Plans give people the perks they want while covering the benefits they need.
Find a rate that fits your lifestyle at HiOscar.com
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Individual DeductibleDeductible also applies to Drugs
OOP Maximum
Medical Copays/CoinsurancePrimary Care Physician (PCP)
# Adult PCP Visits covered in fullSpecialist
Emergency Room VisitUrgent Care
Ambulance CopayInpatient Facility
Outpatient Facility – SurgeryPhysical / Occupational / Speech Therapy
Pediatric GlassesDurable Medical Equipment / ProsthesisSurgeon – Inpatient / Outpatient Facility
Drug Copays/CoinsuranceGeneric
PreferredNon-Preferred
Oscar Plans and BenefitsOscar Edge Plans give people the perks they want while covering the benefits they need.
Find a rate that fits your lifestyle at HiOscar.com
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Individual DeductibleDeductible also applies to Drugs
OOP Maximum
Medical Copays/CoinsurancePrimary Care Physician (PCP)
# Adult PCP Visits covered in fullSpecialist
Emergency Room VisitUrgent Care
Ambulance CopayInpatient Facility
Outpatient Facility – SurgeryPhysical / Occupational / Speech Therapy
Pediatric GlassesDurable Medical Equipment / ProsthesisSurgeon – Inpatient / Outpatient Facility
Drug Copays/CoinsuranceGeneric
PreferredNon-Preferred
Platinum Edge Gold Edge Silver Edge Silver Edge+ Bronze Edge Bronze Edge+ $275 $1,300 $5,000 $2,500 $6,350 $4,000 No No No No Yes Yes $2,000 $4,000 $6,350 $5,600 $6,350 $6,350
$15 $25 $30 $30 0% $30 2 2 3 2 2 1 $35 $40 $50 $50 0% $50 $100 $150 $150 $250 0% $150 $55 $60 $70 $70 0% $70 $100 $150 50% 50% 0% $150 $500 $1,000 $1,500 $2,000 0% $1,500 $100 $100 $100 $100 0% $100 $25 $30 $30 $30 0% $30 10% 20% 30% 30% 0% 30% 10% 20% 30% 30% 0% 30% $100 $100 $100 $100 0% $100
$0 $0 $0 $0 $0 $0 $30 $35 $35 $35 $0 $35 $150 $150 $150 $150 $0 $150
Silver Edge CSREdge Plans
Oscar Edge CSR (Cost Sharing Reduction) Plans are for people who qualify for cost reductions under the Affordable Care Act. Depending on family income, some people will qualify for premium discounts. People can find out final costs and qualifications at the New York State of Health Exchange (www.nystateofhealth.ny.gov).
Oscar Edge Plans are optimized for individual lifestyles. Costs vary depending on different peopleʼs needs, creating savings on routine checkups and wellness benefits.
Silver Edge+ CSR 200-250% 150-200% 100-150% 200-250% 150-200% 100-150% $2,700 $350 $0 $2,000 $275 $0 No No No No No No $4,500 $2,300 $1,500 $4,950 $2,550 $1,200
$30 $15 $10 $30 $15 $10 3 3 3 2 2 2 $50 $35 $20 $50 $35 $20 $150 $125 $100 $250 $125 $100 $70 $50 $30 $70 $50 $30 50% $75 $50 $150 $75 $50 $1,500 $250 $100 $2,000 $250 $100 $100 $75 $25 $100 $75 $25 $30 $25 $15 $30 $25 $15 30% 10% 5% 25% 10% 5% 30% 10% 5% 25% 10% 5% $100 $75 $25 $100 $75 $25
$0 $0 $0 $0 $0 $0 $35 $20 $15 $35 $20 $15 $150 $150 $130 $150 $150 $130
We’ve built a modern insurance company with modern technology. Our team has put a lot of time and effort into making our website and our online tools approachable, informative, and user-friendly.
The Oscar website brings members’ medical information together in a digitally accessible and organized place, and is available on a PC, smartphone, or tablet. Pretty cool, right?
Site & Tools Designed to make you feel better.
Health insurance can be messy. That’s why we created a simple, intuitive digital timeline to help keep everyone’s healthcare information organized and accessible.
You have a timeline for your thoughts, your photos, and now your health.
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migraine
You switched Blocadren for Timolol Malatae and saved $36
Dr. Bryan Young, Primary Care Doctor
May 20 Your Timolol Malatae prescription is ready for refill
222 W 14th St, Manhattan
(212) 555-682410:00 am – 8:00 pm
Your Timolol Malatae prescription is ready for pick up at Duane Reade Union Square
Dr. Bryan Young prescribed you Timolol Malatae
April 22
April 21
April 12
MIGRAINE
MIGRAINE • You visited Dr. Bryan Young
Christina
Health insurance that works like the rest of the Internet.
With our interactive online map, Oscar members can search for the best doctors and specialists in any location. Then they can even roll over the pins to compare costs and find the provider and location that’s right for them.
Get help close to home.
If people aren’t feeling great, they can just come to our site. With smart search technology, we help them find doctors, specialists, hospitals, and pharmacies quickly and easily.
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Dr. Charles Paolino
Your Home
Your Pharmacy
Dr. Kristen Robinson32
229 E 2nd StNew York, NY 10009
Dr. Daryl McClendonPrimary Care
Show my doctors
Show my health map
Show my benefits
Show my prescriptions
Search for care or symptoms
It helps to know how insurance costs can add up, but we’re not all math people. So our site will help Oscar members visualize and understand plan costs over time.
With Teladoc, all people have to do is click a button online and a doctor will call them within an hour. The Teladocs can handle prescriptions and make recommendations right over the phone, helping you save time. And it’s free!
If you can’t get to the doctor, just use Teladoc.
If our healthcare costs were any more transparent, they’d be invisible.
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Connect With a DoctorHave a doctor call you within an hour for a free consultation.
CALL ME AT (917) 555-5555
Your deductible: $1,300Your expenses so far: $600
Come say hello
Visit us online at
HiOscar.comor
HolaOscar.com
Call us any time at
1-855-OSCAR-NY
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