![]() Free virtual care appointments are available for urgent situations within minutes, and you can get dental insurance for children, but Oscar doesn’t have adult dental coverage. Oscar also offers all the health management programs available on with programs for weight loss, asthma, heart disease, depression, diabetes, pregnancy, low back pain, and pain management. You can choose between an HMO, PPO, or EPO, and plans are available in bronze, silver, gold, and catastrophic categories on the Health Insurance Marketplace or your state exchange. In addition to its excellent pricing, Oscar offers a good selection of plans and metal levels. Oscar also offers the cheapest premiums for bronze and silver plans of top providers across the ZIP codes reviewed. ![]() Many of Oscar’s health insurance plans have $0 physician copays for bronze and silver plans, and specialist copays can be as low as $40. Out of all the health insurance companies we reviewed, we found that Oscar plans offer the best value. Learn more in our Blue Cross Blue Shield review. However, it offered the best-value gold plans among the companies we reviewed. However, we found that BCBS plans tended to be more expensive than some other providers in terms of overall cost (we accounted for premiums, copays, and deductibles). Plus, its plans are sold through 34 regional companies, which means quality, customer service, plan availability, and features can vary widely depending on your location.īCBS doesn’t have many downsides. You can get free telehealth visits around the clock in some areas, and exchange plans offer health management programs for heart disease, asthma, diabetes, high blood pressure, depression, and pain management.īCBS sells insurance plans nationwide, which is a plus, but doesn’t offer marketplace plans in all states. It offers bronze, silver, gold, platinum, and catastrophic plans in the Health Insurance Marketplace and on state exchanges. The company offers a wide selection of health insurance plans, including health maintenance organization (HMO), preferred provider organization (PPO), exclusive provider organization (EPO), and point-of-service (POS) plans, as well as dental coverage for kids and adults. That’s the second-highest score among the companies we evaluated. BCBS plans are generally well-rated by the NCQA, averaging 3.74 out of 5 points. If you’re looking for the best health insurance company overall, Blue Cross Blue Shield (BCBS) is our top recommendation.
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