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Meet the Chronic Care CKM Plan

Our unique plan uncomplicates cardiovascular-kidney-metabolic care, making it easier to stay on top of CKM-related needs in a more affordable way.
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Chronic care plan

Save up to 25% on annual healthcare costs

Available in Alabama, Arizona, Florida, Georgia , Iowa, Kansas, Missouri, Mississippi, North Carolina, New Jersey, Ohio (Buckeye), Ohio (Cleveland), Oklahoma, Tennessee, and Texas.

Benefits of the program

Helping you stay on top of care and save money

$0

Primary doctor visits

$0

Behavioral health visits

$0

Cardiologist, endocrinologist, and pulmonologist visits

$0

Pulmonary and cardiac rehab

$0

Oxygen

$0

Diabetic eye and foot exams

$0

Generic Chantix, nicotine replacement, and inhalers

$0

Out-of-pocket monthly maximum on insulin

$0

Labs (including HbA1C screening, urinalysis, metabolic panel, lipid panel)

Image of gift box open with hearts in it

Rewards for taking care of yourself

Members can earn:

  • $25 for getting flu and pneumonia vaccines
  • $30 for switching a qualifying brand name drug from 30-day to 90-day refill, including inhalers
  • $50 toward healthy groceries when you complete an annual wellness exam
  • Access to gyms and on-demand fitness by the American Specialty Health Fitness' Active&Fit program by completing any two routine services (like labs and a diabetic eye exam)
Check our Perks page for additional rewards and incentives that may be available to you.

Frequently Asked Questions

    • Cardiovascular-kidney-metabolic (CKM) syndrome is a complex condition that includes cardiovascular disease, kidney disease, obesity and type 2 diabetes.

    • This plan is available in Alabama, Arizona, Florida, Georgia, Iowa, Kansas, Missouri, Mississippi, North Carolina, New Jersey, Ohio (Buckeye), Ohio (Cleveland), Oklahoma, Tennessee, and Texas.

    • This plan is available in Alabama, Arizona, Florida, Georgia, Iowa, Kansas, Missouri, Mississippi, North Carolina, New Jersey, Ohio (Buckeye), Ohio (Cleveland), Oklahoma, Tennessee, and Texas.

      Enrollment into the plan is not limited to members with cardiovascular disease, kidney disease, obesity, and type 2 diabetes. The lower cost shares for CKM related services are not conditioned on a member having a specific chronic condition.

    • Yes, this plan is especially designed to help members with cardiovascular-kidney-metabolic (CKM) syndrome save money and manage their condition.

    • The Chronic Care CKM Plan includes:
      • $0 Primary doctor visits
      • $0 Behavioral health visits
      • $0 Cardiologist, endocrinologist, and pulmonologist visits
      • $0 Pulmonary and cardiac rehab
      • $0 Labs (HbA1C screening, urinalysis, metabolic panel, lipid panel)
      • $0 Diabetic eye and foot exams
      • $0 Oxygen
      • $0 Generic Chantix, nicotine replacement, and inhalers
      • $100 out-of-pocket monthly maximum on insulin
    • Our plans reward you for treating yourself right. And, we’ll cheer you on along the way.Oscar Members are eligible for rewards upon completion of qualifying activities.Members enrolled in the Chronic Care CKM Plan can earn:
      • $25 for getting flu and pneumonia vaccines
      • $30 for switching a qualifying brand name drug from 30-day to 90-day refill, including inhalers
      • $50 toward healthy groceries when you complete an annual wellness exam
      • Access to gyms and on-demand fitness by the American Specialty Health Fitness' Active&Fit program by completing any two routine services (like labs and a diabetic eye exam)
      You can also check our Perks page for additional rewards and incentives that may be available to you.

    • Once you complete an activity, the claim from your visit (or prescription refill) will serve as verification of completion and you will be sent your gift card.

    • Please refer to any applicable expiration details provided at the time you receive a reward.

    • No, it does not exclude you from other rewards and incentives programs. Check our Perks page for additional rewards and incentives that may be available to you.
    • If you have not received your rewards, you can call your Care Team at (855) 672-2755.

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FootnotesSources:Cleveland Clinic | What is CKM syndrome?Mass General Brigham | What is CKM Syndrome and Could You Have It?Underwriting: Oscar Medical coverage is underwritten by Oscar Insurance Company located in New York, New York. Plans sold in New York are underwritten by Oscar Insurance Corporation located in New York, New York. Plans sold in Florida are underwritten by Oscar Insurance Company of Florida. Plans sold in New Jersey are underwritten by Oscar Garden State Insurance Corporation. Administrative Services for all plans provided by Oscar Management Corporation.Plans sold in Texas use policy and associated COC form numbers OSC-TX-IVL-HMO-EOC-2026-HIX OHIN-134128348; OSC-TX-IVL-HMO-EOC-2026 OHIN-134128297; GUIDED OSC-TX-IVL-HMO-GOLD-0-GUIDED-CARE-EOC-2026 OHIN-134128360; OSC-TX-IVL-EOC-2026 OHIN-134080911;OSC-TX-IVL-EOC-2026-HIX OHIN-134080906; OSC-TX-IVL-EOC-2026-HIX OHIN-134079760; OSC-TX-S-IVL-EOC-2026 OHIN-134079760. Plans sold in Virginia use policy and associated form numbers VA ON OSC-VA-IVL-EOC-2026-HIX OHIN-134065976; VA OFF OSC-VA-IVL-EOC-2026 OHIN-134065976.HMO products are offered by Oscar Insurance Corporation and Oscar Buckeye State Insurance Corporation in Ohio, Oscar Health Plan, Inc. in Arizona and Illinois, Oscar Health Plan of Pennsylvania, Inc in Pennsylvania, Oscar Health Plan of Georgia in Georgia, Oscar Health Plan of North Carolina, Inc. in North Carolina, Oscar Health Maintenance Organization of Florida and Managed Care of South Florida, Inc. in Florida, and Oscar Managed Care in Texas.All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs, and complete details of coverage, contact a licensed agent or Oscar sales representative.Plan Eligibility: The Chronic Care CKM Plan is available to all eligible persons, regardless of disease status, in AL, AZ, FL, GA, IA, KS, MO, MS, NC, NJ, OH-B (Buckeye), OH-C (Cleveland), OK, TN, and TX. Plan names vary by metal and state: Bronze Simple MultiCondition Guided Care, Bronze Simple Chronic Care CKM, Silver 3750 Chronic Care CKM, Silver Simple MultiCondition Guided Care, Silver MultiCondition Care, Silver Simple Chronic Care CKM, and Gold 1500 Chronic Care CKM. Coverage for benefits is limited per clinical guidelines. Maximum out-of-pocket insulin cost depends on applicable state rules. Review your plan documents to confirm costs. Oscar will apply the lower of the maximum state-mandated out-of-pocket insulin cost, or $100.Benefits & Rewards: Benefits and rewards can vary by Plan, and certain restrictions apply. Chronic Care CKM Plan rewards are available to all Chronic Care CKM Plan members age 18 and up excluding those who reside in NJ or OK. Members must complete the flu vaccine and pneumonia vaccine in the same calendar year to earn the $25 reward. Routine services include: hbAlc test, metabolic panel test, lipid test, LIA (Urine Albumin) test, or diabetic eye exam.Reward eligibility: Eligibility for rewards requires your account to be in good payment standing without any overdue balance. Once your account is current, the reward will be issued.Estimated savings: Source: 2025 Oscar internal analysis of average course of treatment for multiple chronic conditions. 25% savings is an average annual savings amount based on members on a base level Chronic Condition CKM plan. Savings vary for members based on utilization.Active&Fit: The Active&Fit program is provided by American Specialty Health Fitness, Inc. a subsidiary of American Specialty Health Incorporated (ASH). Active&Fit is a federally registered trademark of ASH. Once Oscar receives the required eligible claims, you’ll enjoy access to gyms and on-demand health classes through the remainder of the plan year, as long as you stay on the same plan.