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Your coverage and care, all in one place
Welcome to your health insurance home base. Log in to check out your benefits, find care, message your Care Team, or just see what’s covered.
Quick links
Everything you need from your plan is right here
Use these quick links to find exactly what you need so you can get on with your day.
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Member benefits
Health plans that work harder for you
That’s right. Every single Oscar plan comes filled with everyday health perks and dedicated support.
$0* Virtual Urgent Care
Talk to a doctor 24/7 from anywhere, anytime. No copay or referral needed.
$0 preventive care
Stay on top of your health with annual check-ups, screenings, and vaccines at no cost to you — even before you hit your deductible.
Member rewards
It pays to take care of yourself. Complete health check-ins and tasks to earn rewards.
Supportive Care Team
Connect with a team that knows your health needs, plan, providers, and claims history inside out.
On-demand support from Oswell
Whether you need help finding a provider, checking a symptom, or understanding coverage, your secure AI assistant is ready with answers.
Mental health care
Your plan includes mental health coverage. Easily find a mental health provider (including virtual providers) near you.
We’re with you through every life change
Just had a baby, switched jobs, moved, or had another life change? You may qualify to update your Oscar coverage, and we’ll guide you through the process.
Helpful documents
Quick access to essentials
You shouldn't need a medical degree just to understand your insurance. Pick your plan type below to instantly see your benefits, covered prescriptions, and official paperwork.
Individual & family plans
- Summary of Benefits & Coverage (SBC): Review your costs at a glance.
- Confirmation of coverage document: You will get this in the mail during your first month of enrollment.
- List of Covered Prescriptions: The complete list of covered medications.
- Premium payment history: Download your Premium Payment History in your Oscar account or by calling Oscar’s Member Services.
- Privacy notices: Learn exactly how we keep your information safe, secure, and confidential.
Your health plan, right in your pocket
The Oscar app
We built an app that people actually like using. Manage your plan, chat with doctors, and use your ID card from anywhere.*
Easily find local in-network doctors, specialists, and hospitals.
See your past visits, prescriptions, and lab results in one simple timeline.
Track your deductible, set up automatic payments, and settle bills in just a few taps.
Get instant answers from Oswell. Or seamlessly message your Care Team.
Find the app in the App Store and Google Play.
Contact
Real support, whenever you need it
Contact
Real support, whenever you need it
Whether you prefer to find quick answers online or chat directly with a human, we’ve got your back.
- Call Oscar
Frequently asked questions
All the A’s to your Q’s
Get quick answers to the questions members ask most.
Don't sweat it! Your digital ID card is always ready. Just log into the Oscar app or your member account to view it instantly right from your home page.
Here are 3 simple ways to find in-network care:
- Search your account: Log into the app or your member account to easily find doctors, specialists, or facilities by name, specialty, or symptom. You can filter results by distance, language, and availability.
- Use $0 Virtual Urgent Care: Need care or a prescription ASAP? Connect with a doctor in as soon as 15 minutes.
- Ask your Care Team: Message or call your Care Team at 855-672-2755, and we’ll find the right match for you.
Log in to your Oscar account or app and use the prescription search tool to see if your medications are covered and what you can expect to pay. Or check out our Drug Formulary here (opens in new tab). It lists all the medications your plan covers (along with maximum dosage, quantity, and whether you’ll need pre-authorization).
Simply log into your Oscar account when open enrollment starts on November 1. Our shopping tool will automatically recalculate your savings, verify your doctors and prescriptions, and help you find your best-fit plan for 2027.
If you’ve recently experienced a major life change like switching jobs, moving, or having a baby, you may be eligible to switch plans now. See if you qualify here.
Yes, absolutely. Your Oscar plan includes in-network access to therapists, psychiatrists, and mental health services. Log into the app to find an in-network provider near you, or take advantage of our $0 virtual therapy options. No referral required.
Log in to your Oscar account or app (or use the quick link above!) to message your Care Team. Or call them at 855-672-2755.
An ICHRA (Individual Coverage Health Reimbursement Arrangement) is a special health benefit where your employer gives you a tax-free monthly allowance to buy your own insurance (instead of picking a company plan for you).
Here’s how it works:
- You choose the specific individual Oscar plan that fits your health needs and budget.
- You pay your premium directly to Oscar.
- You submit your payment history to your employer, and they reimburse you.
Footnotes
*Oscar’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. Prescriptions, visits and services may be limited per provider discretion. Oscar’s Virtual Urgent Care offerings are not available on the Hy-Vee Health with Oscar plan. Please see your policy for further information.