Oscar Health
What does this mean?
Grade B (good: mostly official pages; check the flagged values before relying on them). 85% of 13 sources are the organization's own pages or government sites.
Get help with (3)
- Insurance claim deniedAsk the Care Team for the reason, file a grievance or appeal, then ask for external review through the state.
- Billing errorCompare the bill with the EOB, then ask the Care Team.
- Surprise medical billContact Oscar right away, compare the bill with the EOB, then contact the CMS help desk.
Contacts (7)
Phone
- Oscar Care Team (member services)
Hours: Mon-Fri 8 a.m.-8 p.m.
The number on the back of the member ID card takes precedence.
Use for: Insurance claim denied, Insurance claim delayed, Billing error, Surprise medical bill, Poor service or broken promise
Source: hioscar.com, verified 2026-10-12
- Help finding forms
Source: hioscar.com, verified 2026-10-12
Online forms
- Grievance form
The form page needs JavaScript; its fields could not be read automatically.
Use for: Insurance claim denied, Poor service or broken promise, Billing error
Source: hioscar.com, verified 2026-10-12
- Oscar grievance and appeal form, Florida (PDF)
Linked as "Oscar Grievance Static Form" on the Florida forms page. Completing the form is optional; a letter works too.
Use for: Insurance claim denied, Poor service or broken promise
Source: hioscar.com, verified 2026-10-12
- Oscar forms (grievance form, prescription reimbursement, member rights)
Use for: Insurance claim denied, Insurance claim delayed
Source: hioscar.com, verified 2026-10-12
Online tools and accounts
- Message the Care Team, view EOBs and pay bills in the Oscar account Sign-in required
Use for: Insurance claim denied, Insurance claim delayed, Billing error
Source: hioscar.com, verified 2026-10-12
- Oscar grievances and appeals, Florida (Attn. Grievances)Oscar Insurance, Attn. Grievances, P.O. Box 52146, Phoenix, AZ 85072
From the Florida grievance and appeal form. Fax 888-977-2062; email help@hioscar.com. Other states: check the Evidence of Coverage or the state forms page.
Use for: Insurance claim denied, Poor service or broken promise, Billing error
Source: cdn.sanity.io, verified 2026-10-12
Escalation path
Go up one step at a time. Keep the reference numbers and dates from each contact.
Customer service
Or message the Care Team in the Oscar account.
Written complaint
FormGrievance formInternal grievance or appeal.
State agency
Your state’s insurance department. Find it in the list of state agencies (also as JSON:
states/<code>.json, for example states/ny.json).External review for individual and family plans; complaint to the state.
Federal regulator
Employer self-funded (ERISA) plans.
Federal regulator
Surprise bills under the No Surprises Act.
Known blockers
- Oscar publishes appeal deadlines in each plan's Evidence of Coverage; only the Florida grievance and appeal address was confirmed.
- EOBs and Care Team messages need an Oscar account login.
Scam warnings
Official domains
hioscar.com
Real links and emails from Oscar Health end in one of these.
Report phishing
- Oscar Special Investigation Unit (report suspected fraud, waste and abuse)
Source: hioscar.com, verified 2026-10-12
- Oscar Compliance and fraud hotline
Reports can be anonymous.
Source: hioscar.com, verified 2026-10-12
- Oscar online compliance and fraud report (hosted by EthicsPoint)
Source: hioscar.com, verified 2026-10-12
For the whole industry, read Health insurance — how complaints work.
Verification notes
Oscar sells individual and family (IFP) plans on and off the exchange in several states, plus employer products. Appeal rules and external review depend on the state.
Let your AI agent handle this
Escalate Anything is a free, open-source MCP server for Claude, Cursor, VS Code, Gemini CLI, Codex and other AI apps. Your agent gets this playbook, keeps a case log with reference numbers and follow-up dates, and drafts each message for you to approve.
1. Set it up (needs uv):
uvx escalate-anything setup2. Ask your agent:
My problem with Oscar Health: [what happened, with dates and amounts]. Use Escalate Anything to get it resolved.Source code, other install options and the Claude Code plugin