Oscar Health Plans in Florida, Georgia and More: Answers on Networks, Costs and Plan Choices
These answers cover Oscar health plans in Florida, Georgia, Alabama, Arizona, Illinois, Iowa, Kansas and Michigan. Licensed Vivna agents wrote each one in plain English. Because plans change by state, every answer shows where it applies. Call 888-730-6001 anytime for free help.
Vivna Insurance is an appointed, authorized broker for Oscar Health. We are an independent agency, not Oscar. Plans, costs and availability vary by state and county. Plan details come from Oscarβs current brochures and can change at renewal.
Oscar Plans in Florida
These answers cover Oscar networks, plan suites and costs in Florida. Florida also has off-exchange EPO plans, so compare both before you choose.
β What Oscar plans are available in Florida?
Oscar offers HMO and EPO plans in Florida.
Its HMO suites are HMO Advent, HMO Broad and HMO Standard Non-Cobranded. However, Oscar sells its EPO plans off-exchange only.
π Where this applies: Florida
β Is Oscar an HMO or EPO in Florida?
Oscar offers both HMO and EPO plans in Florida.
Its HMO plans cover in-network care only, with no referrals needed. By contrast, Oscar lists its Florida EPO plans as off-exchange only.
π Where this applies: Florida
β What is the Oscar HMO Advent plan in Florida?
HMO Advent is Oscar's Florida HMO suite with plan names ending "with AdventHealth."
It includes Bronze, Silver and Gold plans, plus CSR silver versions. Also, use Oscar's network search to confirm your doctors.
π Where this applies: Florida
β What plans are in Oscar's Florida HMO Broad suite?
Oscar's Florida HMO Broad suite includes Bronze, Silver and Gold plans.
Bronze options are Breathe Easy, Classic Standard, Chronic Care CKM and Simple Diabetes. Silver options are CKM, Diabetes, Classic Standard, Breathe Easy and Women's Health, with CSR versions as well. Gold options are RetireEase Off Exchange, Classic Standard and Simple Diabetes. In addition, the suite lists Silver Classic Plus Off Exchange.
π Where this applies: Florida
β Does Oscar's Florida HMO Broad suite have Silver Core or PCP Saver plans?
No, Oscar's HMO Broad grid does not list Silver Core or Silver Simple PCP Saver plans.
Bronze Elite plans are missing from that grid as well. Instead, those plans appear in the HMO Advent and HMO Standard Non-Cobranded suites.
π Where this applies: Florida
β What is Oscar's Florida HMO Standard Non-Cobranded suite?
HMO Standard Non-Cobranded is Oscar's Florida HMO lineup without a health-system co-brand in plan names.
It includes Bronze, Silver and Gold plans, CSR silver versions and Gold Basic. In addition, it lists Silver Classic Plus and Gold RetireEase off-exchange plans.
π Where this applies: Florida
β What Oscar EPO plans are offered in Florida?
Oscar sells all of its Florida EPO plans off-exchange only.
Bronze options are Saver 10000, 8500 HSA and 3000. Silver options are 6000 HSA, 4500, 3750 CKM, 3000 and 1500. Gold options are 3000 Women's Health, 2000 HSA, 2000, 1500 and 0. Finally, Oscar also offers Platinum 0.
π Where this applies: Florida
β Does Oscar offer a Platinum plan in Florida?
Yes, Oscar offers a Platinum plan in Florida, but only off-exchange.
Platinum 0 Off Exchange has a $0 deductible and a $5,500 out-of-pocket max. In addition, PCP visits are $5, specialists $25, urgent care $10 and preferred generics $0.
π Where this applies: Florida
β What is the Oscar Bronze Saver 10000 plan in Florida?
Bronze Saver 10000 is an off-exchange Oscar EPO bronze plan in Florida.
It has a $10,000 deductible and a $12,000 max. Your first 3 PCP visits are $0, then $50 after the deductible. Plus, preferred generics are $2 and labs $25.
π Where this applies: Florida
β What is the Oscar Gold Basic plan in Florida?
Oscar Gold Basic has a $0 medical deductible and a $4,500 pharmacy deductible.
The out-of-pocket max is $11,400. PCP visits are $30. However, ER, labs, imaging and hospital care are 40%.
π Where this applies: Florida
β What is Oscar Gold RetireEase in Florida?
Gold RetireEase Off Exchange has a $3,000 deductible and an $8,500 max.
PCP visits and preferred generics are $0, specialists are $75 and urgent care $20. Also, Oscar's plan grids list it in all three Florida HMO suites.
π Where this applies: Florida
β What is Oscar Silver Classic Plus Off Exchange in Florida?
Silver Classic Plus Off Exchange has a $6,000 deductible and an $8,900 out-of-pocket max.
PCP visits are $40 and specialists $80. Also, it appears in the HMO Broad and HMO Standard Non-Cobranded suites.
π Where this applies: Florida
β What deductibles do Oscar plans have in Florida?
Oscar's Florida HMO deductibles range from $0 to $9,000.
Meanwhile, off-exchange EPO deductibles range from $0 to $10,000. The $0 options include Bronze Elite, Gold Basic, Gold 0, Platinum 0 and CSR 150 silvers.
π Where this applies: Florida
β What is the out-of-pocket maximum on Oscar plans in Florida?
Oscar's Florida out-of-pocket max ranges from $2,950 to $12,000 for an individual.
The lowest is Silver Simple PCP Saver CSR 150 in the HMO suites. Among EPO plans, however, Platinum 0 has the lowest at $5,500.
π Where this applies: Florida
β Which Oscar silver plans in Florida have CSR versions?
Oscar's Florida CSR silver versions depend on the suite you choose.
In HMO Advent and Standard, they are Core, CKM, Diabetes, Classic Standard, Breathe Easy, Women's Health and PCP Saver. HMO Broad has most of these but not Core or PCP Saver. However, the off-exchange EPO plans have no CSR versions.
π Where this applies: Florida
β Which Oscar plans in Florida are HSA compatible?
Every bronze HMO plan on Oscar's Florida grids is HSA compatible.
In addition, the off-exchange EPO HSA options are Bronze 8500, Silver 6000 and Gold 2000.
π Where this applies: Florida
β What is $0 on Oscar plans in Florida?
Oscar Virtual Care is $0 on most Oscar plans in Florida.
Silver diabetes, CKM, Breathe Easy and women's health plans also have $0 PCP visits. In addition, Silver Simple Diabetes and Gold RetireEase list $0 preferred generics.
π Where this applies: Florida
Oscar Plans in Georgia
These answers cover Oscar networks, plan suites and costs in Georgia. Georgia has several plan suites, so check which one covers your doctors.
β What is the Oscar Breathe Easy COPD plan in Georgia?
It is an Oscar plan for people managing asthma or COPD.
Oscar says it offers $0 routine care, $0 inhalers and up to 25% annual savings.
π Where this applies: Georgia
β What Oscar plans are available in Georgia?
Oscar offers HMO plans in Georgia in Bronze, Silver and Gold.
Overall, the grids show four suites: Broad (Open Access), Select with Gwinnett Clinic, Premier Access and Expanded Off-Exchange.
π Where this applies: Georgia
β Is Oscar an HMO or EPO in Georgia?
Oscar plans in Georgia are HMOs.
You must use in-network doctors for care to be covered. However, you can book in-network specialists directly with no referral.
π Where this applies: Georgia
β What is Oscar's Broad (Open Access) network in Georgia?
Broad (Open Access) is one of Oscar's HMO suites in Georgia.
It includes Simple, Classic, Elite, Core, PCP Saver, diabetes, COPD, MultiCondition and women's health plans. In addition, its silver plans come in CSR versions.
π Where this applies: Georgia
β What is Oscar Select with Gwinnett Clinic in Georgia?
It is an Oscar HMO suite in Georgia whose plan names start with "Oscar Select with Gwinnett Clinic."
The suite offers Bronze, Silver and Gold plans with CSR silver versions. It also includes diabetes and COPD plans. However, it has no MultiCondition or women's health plans.
π Where this applies: Georgia
β What is Oscar Premier Access in Georgia?
Oscar Premier Access is a Georgia HMO suite with plan names starting "Oscar Premier."
The suite mixes on-exchange plans with many off-exchange options. It also includes MultiCondition Care plans. However, it has no diabetes or Breathe Easy plans.
π Where this applies: Georgia
β What is Oscar's Expanded Off-Exchange lineup in Georgia?
Expanded Off-Exchange is a set of Oscar plans in Georgia sold only off-exchange.
Its bronze plans are Bronze 8500 HSA and Bronze 3000. Silver options are Silver 6000 HSA, Silver 3750 MultiCondition Care and Silver 3000. The lineup also lists Gold 2000 and Buena Salud Plateado 3500. In addition, each plan has a dental and vision version.
π Where this applies: Georgia
β What deductibles do Oscar plans have in Georgia?
Oscar's individual deductibles in Georgia range from $0 to $9,150.
The $0 options include the Bronze and Gold Elite plans, Gold 0 Off Exchange and CSR 150 silvers. By contrast, Bronze Simple has the highest at $9,150.
π Where this applies: Georgia
β What is the out-of-pocket maximum on Oscar plans in Georgia?
Oscar's Georgia out-of-pocket max ranges from $2,400 to $12,000 for an individual.
The lowest is Silver Classic CSR 150, which also has $3 PCP visits. Without CSR, however, Gold 2000 HSA Off Exchange is lowest at $6,000.
π Where this applies: Georgia
β Which Oscar silver plans in Georgia have CSR versions?
Several Oscar silver plans in Georgia come in CSR versions.
Silver Core, Silver Classic, Buena Salud Plateado ClΓ‘sico and Silver PCP Saver come in CSR 150, 200 and 250. In addition, diabetes, Breathe Easy, MultiCondition and women's health silvers have CSR versions where offered.
π Where this applies: Georgia
β What is the Oscar Bronze Classic PCP Saver plan in Georgia?
Oscar's Bronze Classic PCP Saver has a $9,000 deductible and a $12,000 max.
PCP visits are $30, urgent care $40 and preferred generics $4. It is also HSA compatible.
π Where this applies: Georgia
β What Gold Oscar plans are available in Georgia?
Oscar offers several gold plans in Georgia, including Gold Classic HMO and Gold Elite Saver Plus.
Gold Classic HMO has a $2,000 deductible, a $9,200 max and $30 PCP visits. By contrast, Gold Elite Saver Plus has a $0 deductible. In addition, Premier Access and Expanded Off-Exchange add off-exchange golds.
π Where this applies: Georgia
β What are Oscar's MultiCondition Care plans in Georgia?
MultiCondition Care plans are Oscar's chronic-condition plans in Georgia.
Bronze Simple MultiCondition Care has a $5,500 deductible, and your first 3 PCP visits are $0. Silver Simple MultiCondition Care, by contrast, has a $6,500 deductible and $0 PCP visits.
π Where this applies: Georgia
β Which Georgia Oscar networks have diabetes and COPD plans?
Broad (Open Access) and Select with Gwinnett Clinic list Simple Diabetes and Breathe Easy plans.
However, Oscar's Premier Access grid does not list them.
π Where this applies: Georgia
β What are Oscar's Buena Salud plans in Georgia?
Oscar's Georgia Buena Salud plans include Bronce ClΓ‘sico HMO, Plateado ClΓ‘sico HMO and Plateado 3500.
Buena Salud Bronce ClΓ‘sico HMO has a $7,500 deductible and $65 PCP visits. Plateado ClΓ‘sico HMO has a $6,000 deductible and $40 PCP visits. It also comes in CSR versions. Meanwhile, Oscar sells Plateado 3500 off-exchange.
π Where this applies: Georgia
β Which Oscar plans in Georgia are HSA compatible?
Every Oscar bronze plan in Georgia except Bronze 3000 Off Exchange is HSA compatible.
In addition, off-exchange Silver 6000 HSA and Gold 2000 HSA qualify.
π Where this applies: Georgia
β Does Oscar include dental and vision in Georgia?
Yes, some Oscar plans in Georgia include dental and vision.
Oscar's Embedded Dental & Vision plans include $0 routine cleanings, $0 eye exams and $0 glasses. In fact, Georgia grids list many plans "including Adult Dental and Vision."
π Where this applies: Georgia
β What is $0 on Oscar plans in Georgia?
Oscar Virtual Care is $0 on most Oscar plans in Georgia.
Silver diabetes, Breathe Easy, MultiCondition and women's health plans also have $0 PCP visits. In addition, CSR 150 silvers list $0 preferred generics.
π Where this applies: Georgia
Oscar Plan Designs, Metal Tiers and Terms
These answers explain Oscar plan designs, metal tiers and off-exchange plans. In addition, learn the terms on each plan grid.
β What metal tiers does Oscar offer?
Oscar's brochures list Bronze, Silver and Gold metal tiers.
You get the same Oscar care and support on each tier. However, only the split of costs between you and the plan changes.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS
β How do Oscar Bronze, Silver and Gold plans split costs?
Oscar's brochure shows Bronze as 60% paid by Oscar and 40% by you.
Similarly, it shows Silver as 70/30 and Gold as 80/20. Your share comes through deductibles, copays and coinsurance.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS
β Which Oscar metal tier fits me?
Oscar says Bronze fits people who expect little care and want a lower premium.
Silver fits people willing to pay a bit more to get more care covered. By contrast, Gold fits people who use care often and want lower out-of-pocket costs.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS
β What are the four Oscar plan types?
Oscar offers Simple, Classic, Elite and Simple Clinical plan types within each metal tier.
Each type, however, handles your costs a little differently.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS
β What is an Oscar Simple plan?
Simple plans are budget-friendly coverage with lower monthly bills.
However, you pay a bigger share of the cost when you need care.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS
β What is an Oscar Classic plan?
Classic plans are everyday coverage with a balance of copays and coinsurance.
For example, you may have a copay for labs and coinsurance for a hospital stay.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS
β What is an Oscar Elite plan?
Elite is Oscar's top plan type, with a $0 medical deductible.
Premiums are higher. Still, regular copays mean fewer surprises when you get care.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS
β What is an Oscar Simple Clinical plan?
Simple Clinical plans give extra savings to people with chronic conditions.
You pay less out of pocket for the care you need regularly. For example, options include Simple Diabetes and Simple Chronic Care CKM plans.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS
β What does out-of-pocket maximum mean on an Oscar plan?
It is your annual spending cap for covered care.
Once you reach it, Oscar pays 100% of the rest. Your out-of-pocket costs include deductibles, copays and coinsurance.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS
β What is the difference between a copay and coinsurance?
A copay is a flat fee, like $35 for a covered in-network visit.
By contrast, coinsurance is a percentage. For example, with 20% coinsurance, you pay 20% and the plan covers 80%.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS
β What is a deductible on an Oscar plan?
It is what you pay for certain covered services before your plan picks up more of the bill.
Then, grid costs marked "after deductible" apply once you meet it.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS
β What does "Integrated with Medical" mean for an Oscar pharmacy deductible?
It means one combined deductible for medical and pharmacy on most Oscar plans.
However, Elite plans are different. They list a separate pharmacy deductible, such as $7,500 on Bronze Elite + PCP Saver Plus.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS, MI
β What does "First 3 at $0, then $50" mean on an Oscar plan?
Your first three primary care visits cost $0, and each visit after that is a $50 copay.
This appears on Bronze Simple clinical plans, such as Bronze Simple Diabetes and Bronze Simple Chronic Care CKM.
π Where this applies: AL, AZ, FL, GA, IA, KS
β Do mental health visits cost the same as a PCP visit on Oscar plans?
Yes on Oscar clinical plans, where mental health office visits use the same cost-sharing as PCP visits.
Oscar's grids note this rule for clinical plans. On other plans, however, costs can differ, so check the grid.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS, MI
β Are cost-sharing reductions available on Oscar plans?
Yes, for eligible clients, Oscar's grids list silver plans in CSR 150, 200 and 250 versions.
The CSR 150 versions have the lowest deductibles and out-of-pocket maximums.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS, MI
β Can I get cost-sharing reductions on an Oscar Bronze or Gold plan?
No, on Oscar's grids, CSR versions appear only on silver plans.
So, Bronze and Gold plans have no CSR versions.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS, MI
β What is the Oscar Bronze Elite + PCP Saver Plus plan?
It is a bronze plan with a $0 medical deductible and a separate $7,500 pharmacy deductible.
PCP visits are $50 and urgent care is $40. The out-of-pocket max is $12,000. Plus, it is HSA compatible.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS, MI
β What do hospital stays cost on Oscar Bronze Elite + PCP Saver Plus?
Inpatient stays are $3,000 per day for up to 2 days.
Outpatient facility care is $1,500 and the ER is $2,500. In addition, complex imaging is $750, and x-rays or ultrasounds are $150.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS, MI
β What is the Oscar Gold Elite Saver Plus plan?
It has a $0 medical deductible and a $2,750 pharmacy deductible.
PCP visits are $20, specialists $50 and urgent care $25. The out-of-pocket max is $11,750. Meanwhile, hospital, ER and imaging are 35% coinsurance.
π Where this applies: Georgia, Illinois, Iowa and Michigan
β What is the Oscar Silver Core Plan?
It is a silver plan with a $9,000 deductible and a $10,300 out-of-pocket max.
PCP visits are $50 and specialists $90. By contrast, the CSR 150 version has a $0 deductible, $3,200 max and $5 PCP visits.
π Where this applies: AL, AZ, FL, GA, IL, IA, MI
β What is the Oscar Silver Simple PCP Saver plan?
It has a $5,750 deductible, a $10,000 out-of-pocket max and $20 PCP visits.
Preferred generics are $4. By contrast, the CSR 150 version has a $0 deductible, $2,950 max and $5 PCP visits.
π Where this applies: AL, AZ, FL, GA, IA, MI
β What is the Oscar Silver Classic Standard plan?
It has a $6,400 deductible and a $10,300 out-of-pocket max.
PCP visits are $40 and specialists $80. By contrast, the CSR 150 version has a $0 deductible, $3,500 max and $0 PCP visits.
π Where this applies: AL, AZ, FL, IA, KS, MI
β What is the Oscar Gold Classic Standard plan?
It has a $2,500 deductible and an $8,600 out-of-pocket max.
PCP visits are $30, specialists $60 and urgent care $45. Also, preferred generics are $15 and specialty drugs $250.
π Where this applies: AL, AZ, FL, IA, KS, MI
β What is the Oscar Gold Simple plan?
It has a $2,750 deductible and a $10,000 out-of-pocket max.
PCP visits are $5, specialists $30 and urgent care $25. In addition, labs are $20, and hospital care is 20% after the deductible.
π Where this applies: Arizona, Florida, Illinois and Michigan
β What is the Oscar Bronze Simple plan?
It has a $9,150 deductible and a $12,000 out-of-pocket max.
Most services are 10% after the deductible. Preferred generics are $4 and Oscar Virtual Care is $0. Plus, it is HSA compatible.
π Where this applies: Alabama, Arizona, Georgia and Illinois
β What is the Oscar Bronze Classic Standard plan?
It has a $7,500 deductible and a $12,000 out-of-pocket max.
PCP visits are $50, specialists $100 and urgent care $75. Preferred generics are $25. Plus, it is HSA compatible.
π Where this applies: AL, AZ, FL, IA, KS, MI
β What is the Oscar Bronze Classic 4700 plan?
It has a $4,700 deductible and a $12,000 out-of-pocket max.
PCP visits are $70, specialists $125 and labs $75. The plan is also HSA compatible.
π Where this applies: Florida, Georgia, Iowa, Kansas and Michigan
β What are Oscar "Off Exchange" plans?
They are Oscar plans sold only off the Marketplace exchange.
The grids label them "Off Exchange" or mark them "available off-exchange only." Also, ask a licensed agent how buying off-exchange affects any financial help.
π Where this applies: Arizona, Florida, Georgia, Iowa and Kansas
β How does the Oscar Bronze 8500 HSA Off Exchange plan work?
The deductible and out-of-pocket max are both $8,500.
After that, the covered services on the grid are $0. Virtual care and drugs are also $0 only after the deductible. Plus, it is HSA compatible.
π Where this applies: Arizona, Florida, Georgia, Iowa and Kansas
β How does the Oscar Silver 6000 HSA Off Exchange plan work?
It has a $6,000 deductible and an $8,500 out-of-pocket max.
Doctor visits, ER and hospital care are $0 after the deductible. Similarly, preferred generics are $4 after the deductible.
π Where this applies: Arizona, Florida, Georgia, Iowa and Kansas
β What is the Oscar Gold 2000 HSA Off Exchange plan?
It has a $2,000 deductible and a $6,000 out-of-pocket max.
Nearly everything, including drugs, is 20% after the deductible. However, virtual care is $0 after the deductible. It is also HSA compatible.
π Where this applies: Arizona, Florida, Georgia and Kansas
β What is the Oscar Gold 0 Off Exchange plan?
It has a $0 deductible and a $9,500 out-of-pocket max.
PCP visits are $25, specialists $50 and urgent care $25. However, hospital stays are 35% coinsurance.
π Where this applies: Arizona, Florida, Georgia and Kansas
β Does Oscar have an off-exchange plan for chronic conditions?
Yes, Oscar offers Silver 3750 Chronic Care CKM Off Exchange for chronic conditions.
It has a $3,750 deductible and a $10,600 max. PCP visits are $30 and the ER is $750 after the deductible. Also, Georgia calls it Silver 3750 MultiCondition Care.
π Where this applies: Arizona, Florida, Georgia and Kansas
Specialty Plans for Chronic Conditions
Oscar offers plans built around diabetes, heart, lung and menopause care. Here you can see where each one is sold.
β What does "with Adult Dental & Vision" mean on an Oscar plan?
It is a version of the plan with adult dental and vision added.
On the grids, its medical costs match the standard version. In addition, Oscar's Arizona and Georgia brochures describe $0 cleanings, $0 eye exams and $0 glasses.
π Where this applies: Arizona, Florida and Georgia
β What is the Oscar Chronic Condition CKM plan?
This plan is for people managing COPD, diabetes and heart conditions together.
Oscar says it includes $0 specialist visits, $0 labs and up to 25% in annual health care savings.
π Where this applies: Alabama, Florida, Iowa and Kansas
β Why does the Oscar CKM grid show a specialist copay if the brochure says $0 specialists?
The grid lists a general specialist copay, such as $35 on Silver Simple Chronic Care CKM.
However, Oscar's Arizona brochure ties the $0 visits to pulmonologists, endocrinologists and cardiologists. So, confirm which specialists are $0 in the plan documents.
π Where this applies: Alabama, Arizona, Florida, Iowa and Kansas
β What does the Oscar Silver Simple Chronic Care CKM plan cost to use?
It has a $6,500 deductible and a $10,500 out-of-pocket max.
PCP and mental health visits are $0, and specialists are $35. By contrast, the CSR 150 version has a $0 deductible, $3,150 max and $5 specialists. Georgia calls it Silver Simple MultiCondition Care.
π Where this applies: Alabama, Arizona, Florida and Georgia
β What does the Oscar Bronze Simple Chronic Care CKM plan cost to use?
It has a $5,500 deductible and a $12,000 out-of-pocket max.
Your first 3 PCP visits are $0, then $50. Specialists are $150 and labs $75. It is also HSA compatible. Georgia calls it Bronze Simple MultiCondition Care.
π Where this applies: AL, AZ, FL, GA, IA, KS
β What does the Oscar Diabetes Care Plan cover?
Oscar says it includes $0 routine diabetes care, $0 testing supplies and $0 insulin.
π Where this applies: Florida, Georgia, Iowa and Kansas
β What does the Oscar Silver Simple Diabetes plan cost to use?
It has a $6,500 deductible and a $10,600 out-of-pocket max.
PCP visits and preferred generics are $0, and specialists are $40. By contrast, the CSR 150 version has a $0 deductible, $3,150 max and $5 specialists.
π Where this applies: Arizona, Florida, Georgia, Illinois and Iowa
β What does the Oscar Bronze Simple Diabetes plan cost to use?
It has a $5,500 deductible and a $12,000 out-of-pocket max.
Your first 3 PCP visits are $0, then $50. Preferred generics are $4. Plus, it is HSA compatible.
π Where this applies: Florida, Georgia, Iowa and Kansas
β Is there an Oscar Gold diabetes plan?
Yes, Oscar offers Gold Simple Diabetes in Arizona and Florida.
It has a $2,000 deductible and a $10,600 out-of-pocket max. In addition, PCP visits are $0, specialists $40 and preferred generics $4.
π Where this applies: Arizona and Florida
β What does Oscar Silver Simple Breathe Easy cost to use?
It has a $6,200 deductible and a $10,300 out-of-pocket max.
PCP visits are $0, specialists $40 and urgent care $35. By contrast, the CSR 150 version has a $0 deductible and $3,150 max.
π Where this applies: Arizona, Florida and Georgia
β Does Oscar have a plan for asthma or COPD in Arizona or Iowa?
Yes, Oscar describes a Specialist Saver plan with COPD benefits.
It includes $0 asthma and COPD-related pulmonary specialist visits. The grids also list Breathe Easy plans with enhanced COPD benefits.
π Where this applies: Arizona and Iowa
β What is Oscar's HelloMeno plan?
HelloMeno is an Oscar plan built for menopause support, such as hot flashes and brain fog.
Oscar says it offers specialized care, $0 copays and coverage for the whole family.
π Where this applies: Arizona, Florida and Georgia
β What does Oscar Silver Simple Women's Health with Menopause Benefits cost?
It has a $6,000 deductible and a $10,600 out-of-pocket max.
PCP visits are $0, specialists $40 and labs $40. By contrast, the CSR 150 version has a $0 deductible and $3,150 max.
π Where this applies: Arizona, Florida and Georgia
β Is there a Gold Oscar plan with menopause benefits?
Yes, Oscar sells Gold 3000 Women's Health with Menopause Benefits off-exchange.
It has a $3,000 deductible, $8,500 max, $0 PCP visits and $0 preferred generics. Iowa, instead, offers Gold Simple Women's Health through MercyOne.
π Where this applies: Arizona, Florida, Georgia, Iowa and Kansas
β Does Oscar have a plan for early retirees?
Yes, Oscar has early retiree plans in Arizona and Florida.
Arizona lists Gold Simple with Early Retirement Benefits, and Florida lists Gold RetireEase Off Exchange. Both have a $3,000 deductible, $8,500 max, $0 PCP visits and $0 preferred generics.
π Where this applies: Arizona and Florida
β What are Oscar's Buena Salud plans?
Buena Salud plans are Spanish-named Oscar plans offered in Arizona, Georgia and Illinois.
Each state has its own Buena Salud lineup and costs.
π Where this applies: Arizona, Georgia and Illinois
Oscar Basics, Networks and Member Tools
Start here to learn how Oscar plans, networks and virtual care work. Then see how to enroll.
β What is Oscar Health insurance?
Oscar is a health insurance company that sells Individual & Family plans.
In its brochure, Oscar says it wants to act like "a doctor in the family." Its plans also come with 24/7 virtual care, an app and member support.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS
β Who underwrites Oscar health plans?
Oscar Insurance Company and its affiliates underwrite Oscar medical coverage.
Meanwhile, Oscar Management Corporation provides administrative services for all plans.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS
β Which Oscar company offers the HMO plans in my state?
The Oscar company that offers HMO plans depends on your state.
For example, Oscar Health Plan, Inc. offers HMOs in Arizona and Illinois. In Georgia, Oscar Health Plan of Georgia offers them. Finally, Florida HMOs come from Oscar Health Maintenance Organization of Florida and Managed Care of South Florida, Inc.
π Where this applies: Arizona, Florida, Georgia and Illinois
β Are Oscar plan costs on the plan grids final?
Not yet, since Oscar's grids say the plans are still subject to CMS review and QHP certification.
As a result, benefits, networks, premiums and service areas may change until that process is done.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS, MI
β Do Oscar plans have exclusions and limits?
Yes, Oscar notes that all insurance policies contain exclusions and limitations.
So, review the plan documents for complete coverage details before you enroll.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS
β Does Oscar have $0 virtual care?
Yes, most Oscar plans list Oscar Virtual Care at $0.
It offers 24/7 quick care by phone, AI or chat. However, availability varies by service, location and plan.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS, MI
β Is Oscar Virtual Care free before the deductible on HSA plans?
Not always, since Oscar says some HSA-compatible high-deductible plans may not have $0 visits before the deductible.
For example, several HSA off-exchange plans show virtual care as "$0 after deductible."
π Where this applies: AL, AZ, FL, GA, IL, IA, KS
β Can I use Oscar Virtual Care outside the U.S.?
No, Oscar Virtual Urgent Care is not available in U.S. territories or internationally.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS
β Does Oscar Virtual Care include behavioral health?
Only in some states, since Integrated Behavioral Health through Oscar Virtual Care has limited availability.
Oscar says it is currently available only in Florida, Georgia, Texas and Arizona. Still, each plan grid lists a mental health office visit cost.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS
β Is Oscar Virtual Care the same as having a primary care doctor?
Not exactly, since the brochures describe Oscar Virtual Care as 24/7 quick care by phone, AI or chat.
Each plan also lists a separate cost for in-network primary care (PCP) visits.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS
β Can an Oscar virtual provider limit prescriptions or services?
Yes, Oscar notes that providers may limit prescriptions, visits and services at their discretion.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS
β Should I use Oscar's Oswell chatbot in an emergency?
No, call 911 in an emergency.
Oswell offers general information, not medical advice.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS
β What can I do in my Oscar account or app?
You can connect with virtual providers or the Oscar Care Team.
In addition, you can pay bills, check benefits and set up autopay.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS
β Does Oscar give members rewards?
Yes, Oscar says members can earn rewards for completing qualifying activities.
However, the brochures do not list the activities or amounts. So, check the plan documents for details.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS
β Where do I find my Oscar ID card?
Keep it in your digital wallet, or pull it up in the Oscar app or your Oscar account.
Plus, the card has the info you need when you get care.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS
β Do I need a referral to see a specialist on an Oscar plan?
No, Oscar HMO and EPO plans let you book an in-network specialist directly.
For example, you can see an in-network gastroenterologist without a referral.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS
β Does an Oscar HMO cover out-of-network doctors?
No, Oscar HMO plans cover care only from in-network doctors and specialists.
So, if you see a provider outside the network, the plan will not cover the visit.
π Where this applies: Arizona, Florida, Georgia and Illinois
β How does an Oscar EPO plan work?
An Oscar EPO covers visits to in-network providers that Oscar has partnered with.
Also, you don't need a PCP referral to see an in-network specialist.
π Where this applies: Alabama, Florida, Iowa and Kansas
β How do I find doctors and hospitals in Oscar's network?
You can search Oscar's network at hioscar.com/search/networks.
In addition, each state brochure has a QR code to find doctors and hospitals in that state.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS
β Where can I see which Oscar plans are available in my state?
Visit hioscar.com/get-coverage to see which Oscar plans are available in your state.
The Georgia brochure, however, points to hioscar.com/brokers/plans. A licensed Vivna agent can also help you compare plans.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS
β How do I sign up for an Oscar plan?
You can visit hioscar.com/get-coverage, call your broker, or use HealthCare.gov or your state's marketplace.
Also, Vivna is a licensed broker and can help you enroll.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS
β What happens after I enroll in an Oscar plan?
Oscar sends a welcome email with your plan and payment details.
Then, pay your first month's premium to activate coverage. After that, get your ID card and create your Oscar account.
π Where this applies: AL, AZ, FL, GA, IL, IA, KS
Oscar Plans in Arizona
These answers cover Oscar networks, plan suites and costs in Arizona. Also, check the plan grid for your county before you enroll.
β What does CKM mean in Oscar's Chronic Care CKM plan?
CKM refers to cardiovascular, kidney and metabolic health.
Oscar's Arizona brochure also says the plan targets conditions in those areas, such as diabetes.
π Where this applies: Arizona
β What does the Oscar Chronic Condition CKM plan include in Arizona?
Oscar lists $0 pulmonologist, endocrinologist and cardiologist appointments.
It also lists $0 oxygen and $0 COPD and cardiology prescriptions. Plus, it lists pulmonary and cardiac rehab as benefits.
π Where this applies: Arizona
β What Oscar plans are available in Arizona?
Oscar offers HMO plans in Arizona in Bronze, Silver and Gold.
Lines include Simple, Classic, Elite, Core and PCP Saver. Arizona also has plans for diabetes, CKM, COPD, women's health and early retirement. In addition, Arizona has many off-exchange plans.
π Where this applies: Arizona
β Is Oscar an HMO or EPO in Arizona?
Oscar plans in Arizona are HMO plans.
You can book any in-network provider directly with no referrals. However, the plans do not cover care outside the network.
π Where this applies: Arizona
β What deductibles do Oscar plans have in Arizona?
Oscar's individual deductibles in Arizona range from $0 to $9,150.
The $0 options include Bronze Elite + PCP Saver Plus, Gold 0 Off Exchange and CSR 150 silver plans. By contrast, Bronze Simple is the highest at $9,150.
π Where this applies: Arizona
β What is the out-of-pocket maximum on Oscar plans in Arizona?
It ranges from $2,950 to $12,000 for an individual.
Silver Simple PCP Saver CSR 150 has the lowest. Without CSR, however, Gold 2000 HSA Off Exchange has the lowest at $6,000.
π Where this applies: Arizona
β Which Oscar plans are off-exchange only in Arizona?
Oscar's Arizona grid marks bronze, silver and gold plans as off-exchange only.
Bronze options are Bronze 8500 HSA and Bronze 3000. Silver options are Silver 6000 HSA, Silver 4500, Silver 3750 CKM, Silver 3000 and Silver 1500. Gold options are Gold 3000 Women's Health, Gold 2000 HSA, Gold 2000, Gold 1500 and Gold 0. Each also comes with adult dental and vision.
π Where this applies: Arizona
β Which Oscar plans in Arizona are HSA compatible?
Most Oscar bronze plans in Arizona are HSA compatible.
These include Bronze Simple, Bronze Classic Standard and Bronze Elite + PCP Saver Plus. In addition, off-exchange HSA plans add Bronze 8500, Silver 6000 and Gold 2000.
π Where this applies: Arizona
β Which Oscar silver plans in Arizona have CSR versions?
Oscar's Arizona silver plans with CSR versions include Silver Core, Chronic Care CKM and Simple Diabetes.
Classic Standard and PCP Saver also have them. In addition, Breathe Easy, Women's Health and Simple Diabetes with Adult Dental & Vision qualify. Each one has CSR 150, 200 and 250 versions.
π Where this applies: Arizona
β What Gold Oscar plans are available in Arizona?
Oscar sells both on-exchange and off-exchange gold plans in Arizona.
On-exchange golds are Gold Simple, Gold Classic Standard, Gold Simple Diabetes and Gold Simple with Early Retirement Benefits. Off-exchange golds also include Gold 2000 HSA, Gold 2000, Gold 1500, Gold 0 and Gold 3000 Women's Health.
π Where this applies: Arizona
β What is the Oscar Buena Salud diabetes plan in Arizona?
Buena Salud Bronce Simple Para Diabetes has a $5,500 deductible and a $12,000 max.
Your first 3 PCP visits are $0, then $50. Plus, it is HSA compatible and comes with adult dental and vision.
π Where this applies: Arizona
β What is $0 on Oscar plans in Arizona?
Oscar Virtual Care is $0 on most Oscar plans in Arizona.
PCP visits are also $0 on silver diabetes, CKM, Breathe Easy and women's health plans. In addition, gold early retirement and women's health plans have $0 PCP visits and $0 preferred generics.
π Where this applies: Arizona
β Does Oscar include dental and vision in Arizona?
Yes, some Oscar plans in Arizona include dental and vision.
Oscar's Embedded Dental & Vision plans include $0 routine cleanings, $0 eye exams and $0 glasses. In fact, Oscar's plan grid lists many plans in a version with adult dental and vision.
π Where this applies: Arizona
Oscar Plans in Alabama
These answers cover Oscar networks, plan suites and costs in Alabama. Also, check the plan grid for your county before you enroll.
β What Oscar plans are available in Alabama?
Oscar offers EPO plans in Alabama in Bronze, Silver and Gold.
The lineup includes Simple, Classic, Elite, Core, PCP Saver and Chronic Care CKM plans. Silver plans also come in CSR versions.
π Where this applies: Alabama
β Is Oscar an HMO or EPO in Alabama?
Oscar plans in Alabama are EPO plans.
Coverage applies to in-network providers. Also, you can see in-network specialists without a referral.
π Where this applies: Alabama
β What deductibles do Oscar plans have in Alabama?
Oscar's individual deductibles in Alabama range from $0 to $9,150.
Bronze Elite + PCP Saver Plus and the CSR 150 silver plans have $0 deductibles. By contrast, Bronze Simple has the highest at $9,150.
π Where this applies: Alabama
β What is the out-of-pocket maximum on Oscar plans in Alabama?
It ranges from $2,950 to $12,000 for an individual.
Silver Simple PCP Saver CSR 150 has the lowest. Without CSR, however, the lowest is $8,600 on Gold Classic Standard.
π Where this applies: Alabama
β Does Oscar offer a Gold plan in Alabama?
Yes, Oscar offers one Gold plan in Alabama: Gold Classic Standard.
It has a $2,500 deductible, an $8,600 out-of-pocket max, $30 PCP visits and $60 specialists.
π Where this applies: Alabama
β Which Oscar plans in Alabama are HSA compatible?
Four Oscar bronze plans in Alabama are HSA compatible.
They are Bronze Simple, Classic Standard, Simple Chronic Care CKM and Elite + PCP Saver Plus.
π Where this applies: Alabama
β Which Oscar silver plans in Alabama have CSR versions?
Four Oscar silver plans in Alabama have CSR versions.
They are Silver Core, Silver Simple Chronic Care CKM, Silver Classic Standard and Silver Simple PCP Saver. Each comes in CSR 150, 200 and 250 versions. Also, the CSR 150 versions have $0 deductibles.
π Where this applies: Alabama
β What is $0 on Oscar plans in Alabama?
Oscar Virtual Care is $0 on every Alabama plan.
Silver Simple Chronic Care CKM plans also have $0 PCP and mental health visits. In addition, CSR 150 silver plans list $0 preferred generics.
π Where this applies: Alabama
β Does Oscar have a diabetes or chronic condition plan in Alabama?
Yes, Oscar offers the Chronic Condition CKM plan in Alabama in Bronze and Silver.
It covers COPD, diabetes and heart conditions together. However, the Alabama grid does not list a separate diabetes plan.
π Where this applies: Alabama
β Does Oscar sell off-exchange-only plans in Alabama?
The Alabama grid does not mark any Oscar plans as off-exchange only.
π Where this applies: Alabama
Oscar Plans in Illinois
These answers cover Oscar networks, plan suites and costs in Illinois. Also, check the plan grid for your county before you enroll.
β What Oscar plans are available in Illinois?
Oscar offers HMO plans in Illinois in Bronze, Silver and Gold.
Also, each plan comes in a Choice and a Select version. Plan lines include Simple, Classic, Elite, Core, Diabetes, PCP Saver Rx and Buena Salud.
π Where this applies: Illinois
β Is Oscar an HMO or EPO in Illinois?
Oscar plans in Illinois are HMOs.
You must use in-network providers for care to be covered. However, you can book in-network specialists directly with no referral.
π Where this applies: Illinois
β What is the difference between Oscar Choice and Select plans in Illinois?
Oscar's grids show the same costs for Choice and Select versions of each plan.
However, the documents do not explain the network differences. So check Oscar's provider search to see which one includes your doctors.
π Where this applies: Illinois
β What deductibles do Oscar plans have in Illinois?
Oscar's individual deductibles in Illinois range from $0 to $9,150.
The $0 options are Bronze Elite + PCP Saver Plus, Gold Elite Saver Plus and CSR 150 silvers. By contrast, Bronze Simple is the highest at $9,150.
π Where this applies: Illinois
β What is the out-of-pocket maximum on Oscar plans in Illinois?
Oscar's Illinois out-of-pocket max ranges from $2,400 to $12,000 for an individual.
The lowest is Silver Classic Rx CSR 150, which has $3 PCP visits. Without CSR, however, Gold Classic Rx is lowest at $9,200.
π Where this applies: Illinois
β What does the Oscar Simple Diabetes plan include in Illinois?
Oscar's Simple Diabetes plan caps insulin at $100 a month out of pocket in Illinois.
It also has $0 PCP visits and fully covered diabetes-related labs. In addition, it includes routine eye and foot exams. Oscar says it fits type 1 or type 2 diabetes.
π Where this applies: Illinois
β What are Oscar PCP Saver plans in Illinois?
Oscar describes PCP Saver plans as having lower PCP copays, low-cost prescriptions and $0 Virtual Urgent Care.
They suit people who need regular medicine or want steady primary care costs.
π Where this applies: Illinois
β How do Oscar "Rx" plans handle drug costs in Illinois?
Silver Classic Rx and Silver Simple PCP Saver Rx use flat copays for costly drugs.
On the standard versions, non-preferred brands are $400 or $500. Specialty drugs are $750.
π Where this applies: Illinois
β What is Oscar Buena Salud Plateado 4360 in Illinois?
Buena Salud Plateado 4360 is an Oscar silver plan with a $4,360 deductible in Illinois.
It has a $10,500 max. PCP visits are $40 and specialists $80. Plus, it comes in CSR 150, 200 and 250 versions.
π Where this applies: Illinois
β Which Oscar silver plans in Illinois have CSR versions?
Several Oscar silver plans in Illinois come in CSR versions.
They are Silver Core, Silver Simple Diabetes, Silver Classic Rx and Silver Simple PCP Saver Rx. Buena Salud Plateado 4360 also qualifies. Each has CSR 150, 200 and 250 versions in both Choice and Select.
π Where this applies: Illinois
β What Gold Oscar plans are available in Illinois?
Oscar's Illinois gold plans include Gold Simple, Gold Classic Rx and Gold Elite Saver Plus.
Gold Simple has a $2,750 deductible and $5 PCP visits. By contrast, Gold Classic Rx has a $2,000 deductible and $30 PCP visits. Finally, Gold Elite Saver Plus has a $0 medical deductible.
π Where this applies: Illinois
β Which Oscar plans in Illinois are HSA compatible?
Bronze Simple, Bronze Classic and Bronze Elite + PCP Saver Plus are HSA compatible in Illinois.
Both the Choice and Select versions qualify.
π Where this applies: Illinois
β Does Oscar sell off-exchange-only plans in Illinois?
Oscar's Illinois grids do not mark any plans as off-exchange only.
π Where this applies: Illinois
β How do drug costs differ on Oscar Bronze Elite in Illinois?
On Illinois Bronze Elite, non-preferred brands are $500 and specialty drugs $750, both after the deductible.
By contrast, most other states list 50% after the deductible for those drugs.
π Where this applies: Illinois
Oscar Plans in Iowa, Kansas and Michigan
These answers cover Oscar networks and plan choices in Iowa, Kansas and Michigan. Also, check the plan grid for your county.
β What Oscar plans are available in Iowa?
Oscar offers EPO plans in Iowa in Bronze, Silver and Gold.
These plans come through two networks: MercyOne and Hy-Vee Health with Oscar. However, some Hy-Vee Health and MercyOne plans are off-exchange only.
π Where this applies: Iowa
β Is Oscar an HMO or EPO in Iowa?
Oscar plans in Iowa are EPOs.
Coverage applies to in-network providers. Also, you can see in-network specialists without a referral.
π Where this applies: Iowa
β What is Hy-Vee Health with Oscar in Iowa?
Hy-Vee Health with Oscar is an Oscar plan line tied to Hy-Vee Health in Iowa.
Its plans include $0 visits at Hy-Vee Health Exemplar Care. In addition, the line covers Bronze, Silver and Gold plans with CSR silver versions.
π Where this applies: Iowa
β What are the off-exchange Hy-Vee Health plans in Iowa?
Several Hy-Vee Health plans with Oscar in Iowa are off-exchange only.
They are Hy-Vee Health Bronze 9000, Bronze 3000, Silver 5750, Silver 0, Gold 3000 and Gold 1500. In addition, they offer $0 visits, $0 select generics and $0 routine labs at Hy-Vee Health Exemplar Care.
π Where this applies: Iowa
β What Oscar MercyOne plans are offered in Iowa?
Oscar offers MercyOne plans in Iowa in bronze, silver and gold.
MercyOne plans include Bronze Classic Standard, Breathe Easy, Chronic Care CKM, Simple Diabetes, Classic 4700 and Elite. Silver Simple PCP Saver comes with CSR versions. Golds are Classic Standard, Women's Health and Elite Saver Plus. In addition, MercyOne offers off-exchange Bronze 8500 HSA and Silver 6000 HSA.
π Where this applies: Iowa
β What deductibles do Oscar plans have in Iowa?
Oscar's individual deductibles in Iowa range from $0 to $9,000.
The $0 options include the Elite plans, Hy-Vee Health Silver 0 and CSR 150 silvers. By contrast, Hy-Vee Health Bronze 9000 and Silver Core top out at $9,000.
π Where this applies: Iowa
β What is the out-of-pocket maximum on Oscar plans in Iowa?
Oscar's Iowa out-of-pocket max ranges from $2,950 to $12,000 for an individual.
The lowest is Silver Simple PCP Saver CSR 150. Without CSR, however, Hy-Vee Health Gold 3000 and Gold 1500 are lowest at $8,000.
π Where this applies: Iowa
β Which Oscar silver plans in Iowa have CSR versions?
In Iowa, Oscar offers CSR versions of several Hy-Vee Health and MercyOne silver plans.
For Hy-Vee Health with Oscar, they are Silver Core, Silver Simple Diabetes and Silver Classic Standard. Hy-Vee Health Silver Simple PCP Saver also qualifies. MercyOne Silver Simple PCP Saver also has CSR versions. Each comes in CSR 150, 200 and 250.
π Where this applies: Iowa
β Which Oscar plans in Iowa are HSA compatible?
All on-exchange bronze plans from MercyOne and Hy-Vee Health with Oscar are HSA compatible.
MercyOne's off-exchange Bronze 8500 HSA and Silver 6000 HSA also qualify. However, Hy-Vee Health Bronze 9000 and Bronze 3000 do not.
π Where this applies: Iowa
β What Oscar chronic condition plans are offered in Iowa?
Oscar's Iowa brochure lists Diabetes Care, Chronic Condition CKM and Silver Specialist Saver (COPD) plans.
The grid lists Bronze Breathe Easy, CKM and Simple Diabetes plans through MercyOne. In addition, Hy-Vee Health with Oscar offers Silver Simple Diabetes.
π Where this applies: Iowa
β Is there an Oscar women's health plan in Iowa?
Yes, Oscar offers a women's health plan in Iowa through MercyOne.
Gold Simple Women's Health with Menopause Benefits has a $2,000 deductible and a $10,600 max. In addition, PCP visits are $0 and specialists $40.
π Where this applies: Iowa
β What Oscar plans are available in Kansas?
Oscar offers EPO plans in Kansas in Bronze, Silver and Gold.
The grid includes standard plans, Hy-Vee Health plans, and many off-exchange plans. However, only Silver Classic Standard comes in CSR versions.
π Where this applies: Kansas
β Is Oscar an HMO or EPO in Kansas?
Oscar plans in Kansas are EPOs.
Coverage applies to in-network providers. Also, you can see in-network specialists without a referral.
π Where this applies: Kansas
β What are the Hy-Vee Health plans with Oscar in Kansas?
Hy-Vee Health plans with Oscar in Kansas include bronze, silver and gold options.
The Kansas grid lists Hy-Vee Health Bronze 9000, Bronze 3000, Silver 5750, Silver 0, Gold 3000 and Gold 1500. In addition, they include $0 visits, $0 select generics and $0 labs at Hy-Vee Health Exemplar Care.
π Where this applies: Kansas
β What deductibles do Oscar plans have in Kansas?
Oscar's individual deductibles in Kansas range from $0 to $9,000.
The $0 options include Bronze Elite + PCP Saver Plus, Hy-Vee Health Silver 0 and Gold 0 Off Exchange. Silver Classic Standard CSR 150 is also $0.
π Where this applies: Kansas
β What is the out-of-pocket maximum on Oscar plans in Kansas?
Oscar's Kansas out-of-pocket max ranges from $3,500 to $12,000 for an individual.
The lowest is Silver Classic Standard CSR 150. Without CSR, however, Gold 2000 HSA Off Exchange is lowest at $6,000.
π Where this applies: Kansas
β Which Oscar silver plans in Kansas have CSR versions?
In Kansas, only Oscar's Silver Classic Standard has CSR versions.
It comes in CSR 150, 200 and 250 versions. The CSR 150 version, for example, has a $0 deductible, $3,500 max and $0 PCP visits.
π Where this applies: Kansas
β Which Oscar plans are off-exchange in Kansas?
Oscar's Kansas plans named "Off Exchange" span bronze, silver and gold.
Bronze options are 8500 HSA and 3000. In addition, silver options are 6000 HSA, 4500, 3750 Chronic Care CKM, 3000 and 1500. Finally, gold options are 3000 Women's Health, 2000 HSA, 2000, 1500 and 0.
π Where this applies: Kansas
β Which Oscar plans in Kansas are HSA compatible?
Six Oscar bronze plans in Kansas are HSA compatible.
They are Bronze 8500 HSA, Classic Standard, Chronic Care CKM, Simple Diabetes, Classic 4700 and Elite. In addition, Silver 6000 HSA and Gold 2000 HSA qualify.
π Where this applies: Kansas
β What Oscar chronic condition plans are offered in Kansas?
Oscar's Kansas brochure lists a Diabetes Care Plan and a Chronic Condition CKM plan.
The grid also shows Bronze Simple Diabetes and Bronze Simple Chronic Care CKM. It lists Silver 3750 Chronic Care CKM Off Exchange as well.
π Where this applies: Kansas
β What Gold Oscar plans are available in Kansas?
Gold Classic Standard is Oscar's standard gold option in Kansas, with a $2,500 deductible.
The grid also lists Hy-Vee Health Gold 3000 and Gold 1500. In addition, off-exchange golds include 3000 Women's Health, 2000 HSA, 2000, 1500 and 0.
π Where this applies: Kansas
β What Oscar plans are available in Michigan?
Oscar's Michigan grid lists bronze, silver and gold plans.
The bronze plans are Bronze Classic Standard, Bronze Classic 4700 and Bronze Elite + PCP Saver Plus. Silvers are Core, Classic Standard and Simple PCP Saver, each with CSR versions. Finally, golds are Simple, Classic Standard and Elite Saver Plus.
π Where this applies: Michigan
β What deductibles do Oscar plans have in Michigan?
Oscar's individual deductibles in Michigan range from $0 to $9,000.
The $0 options are Bronze Elite + PCP Saver Plus, Gold Elite Saver Plus and CSR 150 silvers. By contrast, Silver Core is the highest at $9,000.
π Where this applies: Michigan
β What is the out-of-pocket maximum on Oscar plans in Michigan?
Oscar's Michigan out-of-pocket max ranges from $2,950 to $12,000 for an individual.
The lowest is Silver Simple PCP Saver CSR 150. Without CSR, however, Gold Classic Standard is lowest at $8,600.
π Where this applies: Michigan
β Which Oscar plans in Michigan are HSA compatible?
Three Oscar bronze plans in Michigan are HSA compatible.
They are Bronze Classic Standard, Bronze Classic 4700 and Bronze Elite + PCP Saver Plus.
π Where this applies: Michigan
β Does Oscar offer chronic condition or off-exchange plans in Michigan?
Oscar's Michigan grid does not list chronic condition plans or off-exchange-only plans.
Instead, it shows Simple, Classic, Elite, Core and PCP Saver plans.
π Where this applies: Michigan
β What is $0 on Oscar plans in Michigan?
Oscar Virtual Care is $0 on every Oscar plan in Michigan.
In addition, all three CSR 150 silvers list $0 preferred generics. Silver Classic Standard CSR 150 also has $0 PCP visits.
π Where this applies: Michigan
π More Oscar and ACA Plan Guides
These answers cover Oscar plans state by state. When you want more depth, these guides from our licensed agents explain networks, metal tiers and subsidies. Then, if a question comes up, call 888-730-6001 anytime.
π Oscar and ACA Guides
𧩠More Oscar FAQ Libraries
π Questions About Oscar Health Plans in Your State?
These answers cover the most common Oscar questions, but every county and family is different. Therefore, our licensed agents compare Oscar and other ACA plans for free.
Best of all, our help costs you nothing. Request a free quote online, or call 888-730-6001 to speak with an agent today. You can also reach us through our contact page.
- π 888-730-6001
- βοΈ memberservices@vivna.net
- π Deerfield Beach, Florida
Official resources: the Oscar Health website, HealthCare.gov, and the National Association of Insurance Commissioners.
Vivna Insurance is an appointed, authorized broker for Oscar Health. We are an independent agency, not Oscar. Plans, costs and availability vary by state and county. Plan details come from Oscarβs current brochures and can change at renewal.