Get quality, affordable health coverage in Los Angeles and Orange County. For real. | hioscar Blog | Oscar
Get quality, affordable health coverage in Los Angeles and Orange County. For real.
Learn how you can get affordable, high-quality health coverage in LA and OC.
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Let’s be honest - when you’re looking for health coverage, cost is going to be a major factor. We get it - coverage is expensive, and you should save money whenever you can. Fortunately, it’s totally possible to have a plan that’s affordable and high quality at the same time.
Oscar was built with the patient’s journey in mind—using technology to help you find the care you need while avoiding unnecessary procedures and costs. This may sound like a no-brainer, but not all health care companies do that! By utilizing telemedicine, technology and transparency, Oscar has built a more personalized, cost-effective health coverage experience.
Instead of going to the urgent care clinic for episodic and acute illnesses like colds, pink eye, rashes and UTIs—or going to a doctor to refill a prescription for common drugs like birth control, inhalers, blood pressure or cold medicines—you can send a Doctor on Call (opens in new tab) request online or through the Oscar app. A board-certified doctor will call you back in about 15 minutes, ask you some questions, and even look at a photo of your symptoms. They may be able to give you a diagnosis and send a prescription directly to your pharmacy of choice.
Oscar members have saved up to $600 a year in urgent care fees, and 91% of issues are resolved within the first Doctor on Call visit.
Technology
Much of today’s health insurance industry is stuck in the 1970s. While we can all agree the music of that era is great (opens in new tab), an outdated system where doctors and insurers use paper files and process claims with fax machines is not. At Oscar, our team works hard to ensure that everything from paying a bill to getting a prescription gets done faster, easier, and with more accuracy. With the Oscar app (opens in new tab) or on hioscar.com, you can easily search for a provider, contact your own personal customer service team, view your medical history, and even speak with a doctor. We’re constantly innovating to put you in control of your own health care—because that’s how it should be!
Transparency
Because some hospitals set their own billing rates, the cost of a single procedure can vary widely from place to place. The hospital systems in the Oscar network have partnered with us to keep high-quality care at a sustainable cost. We don’t work with systems that force arbitrary rate increases over time for the same level of care, and our Concierge team (opens in new tab) can help you find top-rated providers with affordable rates.
Oscar is an affordable health coverage option in LA & OC
Our most popular plan in LA and OC, the Bronze 60 EPO (Classic Bronze), has a lower monthly premium and the same deductible (opens in new tab) and out-of-pocket max (opens in new tab) as the leading competitors. With access to doctors at UCLA, Providence Health Network and more top-ranked providers in Southern California (opens in new tab)1, plus benefits like step-tracking rewards, free telemedicine and no referrals, Oscar’s Bronze 60 EPO is an excellent choice for members who want to save on coverage costs without sacrificing quality care.
Save on out-of-pocket expenses
All Oscar plans include perks to help our members save money on all kinds of out-of-pocket costs.
Concierge: With Oscar, members get their own personal customer service team—a dedicated team of care guides and a registered nurse. Your Concierge team can help you find the right doctor and answer claims, benefits, and billing questions.
No referrals: Oscar never requires referrals to see a specialist. That means there’s no appointments with a primary care provider to get permission, and best of all, no referral fee! If you found an in-network specialist you like, just call and make an appointment. That’s it. (If you’re not exactly sure which specialist to see, ask your Concierge team for help.)
Get paid to walk: Oscar members get reimbursed for step tracking—you can earn $1 towards an Amazon Gift Card each day you meet your step goals.
Free preventative care: Many preventative care services like annual physicals, well-woman exams, flu shots and over 70 other benefits are included free with Oscar plans. Get more details on preventative care (opens in new tab).
Prescription drugs: Many common brand name prescription drugs cost less when you get the generic version. Ask your doctor if you can save money by using generic drugs instead. Learn more about prescription drug benefits (opens in new tab). You can also have your prescriptions sent right to your home at no additional cost—just ask your Concierge team.
Yes, there is a way to be cost-effective and get quality health coverage at the same time. You can pay less on your monthly premium and still see excellent doctors at top-rated hospitals and clinics. There’s in-person care available when you know you need it, and free telemedicine when you’re not sure what you need. Oscar has been thoughtfully designed to make all of this possible, because we understand that saving money is (rightfully) your top concern.
