There's a new kid on the block.
For health insurance, really new.
Health insurance could use some disrupting.
We've focused on health insurance for almost 30 years and it moves at a glacier pace.
We can all get behind that goal.
The fact that Oscar adopted the Covered California marketplace suddenly made it relevant.
There are big, entrenched carriers in California.
It's hard to make a name against Fortune 500 companies.
Covered Ca leveled the playing field and now Oscar is a contender.
Let's look at them in more detail along these lines:
Let's get started.
This could be the year that Oscar breaks out in California
They're even priced better than a lot of the HMO's which is impressive.
They can be significantly lowered priced than Blue Shield's PPO.
The PPO is more flexible than the EPO for out of network (see difference here) but today's PPO does not pay much for out of network unfortunately.
Since the benefits are the same, it really comes down to doctors and hospitals.
UCLA is usually the deciding feature.
Oscar participates with them.
That has been a deciding factor in the past for Anthem Blue Cross EPO or Blue Shield PPO.
When you run your quote here, you can check providers listings for any plan.
Where does Oscar stand in terms of rates in 2018?
The average increase for Covered Ca plans is 12.5%.
Los Angeles county (where Oscar is strong) is showing a wider increase on average.
Only carrier in the State.
In any area!
This is on certain plans and census information (age, area, and plan selection) but still.
It's a big deal with increases across the board for four years running.
You can quickly run your Oscar Covered Ca quote to compare their rates to other carriers.
It's important to compare them to PPO/EPO style plans since there are just a few of those left now.
With Anthem Blue Cross leaving Los Angeles county, Oscar will be a strong candidate for these members.
Read below under networks to understand why.
The best comparison for Oscar's rates would be Blue Shield's PPO plans.
Health net also has a PPO in select areas but it's a narrow network plan.
Shield is the better comp for Oscar health's EPO in terms of rates.
Run your Oscar Covered Ca quote here:
Let's look at Oscar's plans in Covered Ca.
Oscar is offering the full suite of plans available through Covered Ca:
Some key notes on 2018 Covered Ca plans (including Oscar)
This means that a Silver 70 plan from Oscar has to have the same benefits as a Silver 70 plan with another carrier.
This makes it easier to compare.
Go with Bronze for catastrophic if you're eligible for a tax credit.
If you qualify for them based on income (income dictates which version of Silver you are offered in Covered Ca), look no further unless you just want the lowest priced Bronze plan.
Use the PlanFinder tool for a step-by-step walkthrough of the plans.
It will address 95% of your plan comparing questions.
Of course, we're here to help and as Certified Covered Ca agents, our assistance is 100% free to you.
If the plans are the same, what separates Oscar from the other carriers?
Let's look at network for 2018 and beyond.
This is where Oscar will shine in 2018.
We are now down to two really...Blue Shield's PPO and Oscar's EPO.
For example, these are the two plans accepted by UCLA.
That's a big deal in Southern California.
You can get more detail here on the difference between PPO and EPO.
Basically, the EPO works like a PPO but with no benefits out of the network other than a true emergency.
Oscar is offering the EPO version.
We've dealt with PPOs and EPOs for years and they don't feel that different these days.
Mainly since PPO's pay so little out of network these days.
The network is smaller so it's real important to make sure it works for you.
You can check doctors and hospitals through the quote here:
Here's our recommendation.
If you want an EPO/PPO style of plan in Los Angeles, run your quote.
Compare Blue Shield PPO and Oscar rates.
Once you run the quote and compare like plans (i.e. Oscar Bronze 60 to Blue Shield Bronze 60), look at the provider search below each plan to see how they work.
We expect Oscar to continue to grow their network especially in light of Anthem leaving the area.
They fully embraced the marketplace in 2014 and that has been the great equalizer against much more entrenched carriers (Kaiser, Blue Shield, or Anthem Blue Cross).
Many people are eligible for this tax credit so make sure not to lose out on it.
We're happy to see if you qualify.
If you enter your household size and income estimate in the quote, the system will automatically show your tax credit.
Make sure to select "on-exchange" for the quote type.
Quoting Oscar in Covered California
You can see all the plans and rates including Oscar with Covered Ca!
What about enrolling?
It's fast, easy, and online.
How to Apply for Oscar in Covered California:
We will also make sure your application is processed correctly and let you know if your income is close to a tax credit or enhanced Silver threshold.
This can make a huge difference.
By law, every plan has to have the same price, network, and benefits whether on or off exchange.
This means a Oscar Gold plan will be priced the same on or off exchange.
Off-exchange might be cheaper. You can quote both here.
That being said, if you're eligible for a tax credit, we can only get it in Covered Ca.
Oscar may well be the future of health insurance.
They are very easy to deal with which is refreshing in health insurance.
It comes down to this"¦
They really focus on their "concierge" approach.
This means they have a "curated" provider search where a representative will help guide you through the process.
Pretty cool if you're trying to navigate a health issue.
2018 could be a breakout year for Oscar health.
With Anthem's EPO leaving their core area, that leaves Oscar and Blue Shield.
There is a real focus at Oscar to re-invent health insurance so you have more tools at your disposal.
The healthcare has been a bit of flying blind till now.
We'll see if this translates to better outcomes and ultimately, better costs.
That's the lifeblood of a health carrier in terms of surviving the current environment.
We're excited to see if Oscar can "disrupt" health insurance for the better.
Lord knows the industry needs it!
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20 years of experience in the California health insurance market has taught us one thing...Competent and experienced guidance is Invaluable
We can quickly (very important) size up your health insurance needs and clearly explain the options available to you. Our focus is finding the most coverage at the best cost to you.
We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.
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