3 pro tips from our OGs: How to get the most from your Oscar health plan | hioscar Blog | Oscar
3 pro tips from our OGs: How to get the most from your Oscar health plan
See how our longest-tenured members maximize their Oscar plan for a seamless health care experience.
Oscar 101Oscar Member Resources
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When Oscar started, we had a simple goal: fix the headache that is health insurance.
Turns out, some Oscar (opens in new tab) members were right there with us from the very first day. Why do they stick around? It’s not just about the coverage; it’s about the experience.
According to our latest research, here are the some reasons why our Day 1s are still #TeamOscar, and what you can learn from them about making the most of your Oscar health insurance.
1. Digital era vibes: They leveled up health management
Our Day 1s aren't just loyal; they are highly engaged digital experts who value the "simple and clear information" provided by our platforms. With 79% having created an online account, they are using both the web portal and the Oscar mobile app to the fullest.¹
Eighty-four percent have activated autopay to keep their month-to-month on lock.² Whether it’s digital billing or tracking claims, they’ve taken full advantage of our technology to focus on living their lives. Members consistently offer high praise for the seamless experience of the Oscar mobile app.
The pro tip: Go digital. Just like our OGs, your online account and the Oscar mobile app (opens in new tab) are the best ways to master your health journey. It’s your all-access pass to pay bills, track claims, find doctors, manage prescriptions, message your care team, and even chat with , our health AI agent. You can by following the prompts and enable push notifications for real-time updates.
The verdict is in: Among members who responded to our surveys, satisfaction with the Care Team and the overall Oscar experience is off the charts. They are consistently described as helpful, pleasant, and quick to respond.³
Unlike traditional customer service, which often means long wait times and confusing jargon, our Care Teams are built differently. Every member gets a dedicated team, including care guides and a licensed nurse, ready to simplify the health journey.
Whether you need help finding a provider based on your language or gender, need a nurse to coordinate pre- and post-op details for a surgery, or just have a billing question, our team has your back. They’ll even proactively reach out within 24 to 48 hours of an emergency hospital visit to help you avoid unnecessary costs.
The pro tip: In moments where you feel confused, unsure or frustrated, let the Oscar Care Team carry the weight. They are here to simplify your life. Got a question? You can reach the team via the mobile app, online portal, or by calling the number on the back of your ID card.
3. They appreciate having virtual care at their fingertips
Our most experienced members know that getting care shouldn't require a long wait. Currently, 43% of our Day 1s are hitting up virtual care for that instant-access benefit, allowing them to skip the waiting room entirely.⁴
With Virtual Urgent Care (opens in new tab), Oscar members get 24/7 access to medical providers from the comfort of home, often in as little as 15 minutes.⁵,⁶ It’s designed to quickly diagnose and treat common ailments like allergies, sore throats, sinus infections, and skin conditions. Simply request a consultation through your Oscar online account or mobile app to discuss symptoms with a provider. If needed, prescriptions can be sent to a local pharmacy or delivered through mail-order services.
Oscar Primary Care (opens in new tab) offers routine and long-term care through phone or video chats, often at $0 in select markets.⁷ This service allows you to connect with a dedicated provider to manage chronic conditions, receive mental health support, and complete routine screenings. You can easily schedule appointments, message your medical team, and arrange medication refills through the Oscar app. If you need physical evaluations, your provider will coordinate referrals to in-person specialists, labs, or imaging facilities.
The pro tip: Leverage the full spectrum of virtual care Oscar offers. Whether you need 24/7 Virtual Urgent Care for immediate, non-emergency issues or ongoing support for routine health management through Oscar Primary Care, these services offer convenient, often $0, and coordinated care from the comfort of your home via the Oscar app or online portal.
Disclaimers and citations
¹Based on a 2026 Oscar book of business analysis that looked at anonymized enrollment data and user digital behavior trends.
²Ibid.
³Ibid.
⁴Ibid.
⁵Oscar’s Virtual Urgent Care offerings are not available in US territories or internationally. If you have an HSA-compatible high-deductible health plan or a Secure plan, you won't be eligible for $0 visits until deductible is met. Prescriptions, visits and services may be limited per provider discretion.
⁶Oscar’s Virtual Urgent Care offerings are not available on the Hy-Vee Health with Oscar plan. Please see your policy for further information.
⁷Oscar Primary Care providers are employed by Oscar Medical Group, not Oscar Insurance Company or its insurance plan affiliates. Oscar Primary Care is only available to members 18 years of age and older. Prescriptions, visits and services may be limited at the provider’s discretion and Oscar Primary Care is not intended to be used in conjunction with another primary care consultation. Oscar Care in-person visits in conjunction with your virtual visit may have a copayment. Due to medical licensing laws, you must be in your home state at the time of your virtual visit.
