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2020 New Oscar Circle Plus

2020 New Oscar Circle Plus

2020 New Oscar Circle Plus


The Google of health insurance?  Oscar entered the NY market on Jan 1, 2014 and had around 16,000 members. In 2015, it expanded coverage to New Jersey and grew to about 40,000 members. In 2016, Oscar had 145,000 members in New York, New Jersey, California, and Texas. Oscar’s cutting edge technology and pioneering benefits have simplified the consumer health insurance experience propelled easier access and understanding of health plans.  Examples of success have been ease of physician locator, online appointment setting and no cost telemedicine 24/7.  Additionally, some plans have $0 Copay generics and annual 3 free office visits

The Numbers:

  • NY based with 900+ employees
  • 260,000 members across 6 states
  • $890M raised from top investors (Fidelity, Goldman Sachs, Google, etc.)
  • $375M investment from Alphabet Inc. (Google parent company)

Oscar Member Engagement: 

  • 27% of Oscar members utilize DocOnCall vs. industry average of 3%
  • 35% of first time doctor appointments start with Oscar
  • 2x customer satisfaction score vs. the industry average
  • 48% of all Oscar members use the Oscar app, compared to 7% of other health insurance carriers
  • Doctor on Call has led to approximately $600 in savings per member
  • Concierge Team has led to an approx. $3,600 in savings in member OON claims
  • Pre-medicare population almost 2x Concierge Team utilization vs. the “younger” demographic 
Oscar Concierge Usage by Age Group 

New Oscar 2020Oscar NJ MapNorthwell Health, MSK, WestMed

  • Oscar’s current network will be rebranded as Circle Network.  Circle Network – 27,000 Providers, 298 Urgent Care Centers  and – Mt. Sinai, Montefiore, LI Health network
  • 15 plans across 4 metal tiers
  • NEW Circle Plus Network include. 45,800 Providers, 298 Urgent Care Centers and the following hospitals in addition to Circle Network. 
    • Northwell (formerly North Shore LIJ)New Oscar Circle Plus
    • Memorial Sloan-Kettering
    • Multiplan National Network for out of state
    • Westchester Expansion –  Northern Westchester Hospital (Mt. Kisko), Phelps Hospital (Tarrytown) and the Westmed Medical Gorup added. 
  • NEW:  Only $0 deductible required Silver Plans!

Additional Features:

  • Step Rewards Program – a step rewards program that links to the mobile app. Members are rewarded when they meet their step goals for the day with $100 Amazon gift cards.
  • Mobility – simple and easy to use. Oscar has the highest member engagement.  Example: members can also renew Rx through the dr. on call feature on their app.
  • Pharmacy – No more Dyane Reade, Walgreens and Rite Aid.
  • Concierge Service: Every member is placed on a team of 5 care guides and 1 nurse that help members achieve better health outcomes and lower costs.
  • Doctor on Call: 24/7, free and unlimited telemedicine that works nationwide. This is a great way to care of basic primary care at the member’s convenience
  • Member Experience –

Oscar Health Plans 2020 Rates Increase 17%

2020 Group Rates – Click Above

Doctor Search:  click here

Hospital Map click here 

Group App (editable PDF):  click here

Employee App (editable PDF):  click here

Contact us TODAY for a customized analysis for your group-specific needs at [email protected] or Call (855) 667-4621.


NYS Approves Health Insurance Exchange Rates

NYS Approves Health Insurance Exchange Rates

Health Insurance Exchange

NYS Approves Health Insurance Exchange Rates.

Governor Cuomo announced  yesterday that New York’s Health Benefits Exchange have been approved . Additionally, the New York Times yesterday published an article highlighting that the rates in the individual market that will be offered in 2014 are at least 50 percent lower than they are now.  The article link and Governor’s office press release are included below.

5 things we now know about the NYS Exchanges:

  • Importantly,  Insurers must still confirm that they will be in either the individual exchange and/ or shop exchange
  • The rates approved yesterday are subject to final certification of the insurers’ participation in the exchange.
  • Many of the networks used on the Exchange appear to be smaller than the group rated.
  • Some new insurers have eneter the marketplace such as OSCAR and Freelancers.  While a few such as EmblemHealth have taken a wait and see approach.
  •  Additionally,  NYS  individual market rate will drop significantly in 2014 but they have been historically always the highest.  An individual/Direct Pay  HMO is approximately $1,000-$1,200/month. They are still approximately 18% highest.

The Department of Financial Services (DFS) has approved  New York’s Health Health Insurance Exchange  rates for 17 insurers seeking to offer coverage including eight new entrants into the market that do not currently offer commercial health insurance plans.  Please click the following links for the Governor’s Press Release and the Individual and Small Group rates.

Governor’s Press Release

NYS Approved 2014 Exchange Rates

The following companies had health insurance plan rates for the health benefits exchange approved today by DFS. The rates approved today are subject to final certification of the insurers’ participation in the exchange.

  • Aetna
  • Affinity Health Plan, Inc.

    NYS Approves Health Insurance Exchange Rates

    The cheapest you’ll pay for individual health insurance in NY

  • American Progressive Life & Health Insurance Company of New York
  • Capital District Physicians Health Plan, Inc.
  • Health Insurance Plan of Greater New York
  • Empire BlueCross BlueShield
  • Excellus
  • Fidelis Care
  • Freelancers Co-Op
  • Healthfirst New York
  • HealthNow New York, Inc.
  • Independent Health
  • MetroPlus Health Plan
  • MVP Health Plan, Inc.
  • North Shore LIJ
  • Oscar Health Insurance Co.
  • United Healthcare

If you have additional questions regarding  how SHOP Exchanges and Individual Exchanges can benefit you  please contact our team at Millennium Medical Solutions Corp.   Stay tuned for updates as more information gets released. We’re inside of 75 days until exchanges open, and information will be coming quickly in the next few months.  Sign up for latest news updates.


Health Exchange FAQ

Click Above

Federal government health care site:

Kaiser Health Reform Subsidy Calculator:

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