At Oscar, we know that healthcare can be complex. Our plans are designed to support our members in navigating the healthcare system, so that they can have the best possible experience. In 2025, we’re introducing Oscar’s Guided Care HMO plan: an option that provides the affordability of a traditional HMO plan, and powered by Oscar’s technology to create a seamless, personalized member experience.
The plan delivers the same high-quality features as other Oscar plans, while reducing friction that members commonly face with other HMOs, by offering the following benefits:
- Streamlined and fast referral process: Clear, accessible referral requirements with real-time decisions for referrals submitted digitally.
- Referral status transparency: Immediate visibility into referral status through a member’s account and Oscar’s provider portal.
- Guided PCP selection: PCP selection process with insights into providers that meet a member’s needs, along with matching members to a PCP if they do not select.
- Virtual care options: Integrated virtual primary care and virtual urgent care experience that can provide referrals.
Oscar’s mission is to make a healthier life accessible and affordable for all. Our Guided Care HMO plan makes it easy for members to connect with providers, ensuring that they get the quality care they need, when they need it.
Learn more about Oscar's Guided Care HMO plan .