Oscar plans are named after metal tiers, Bronze, Silver, Gold, and Platinum, to make it easy to compare your options. Each health insurance plan offers a different level of coverage, and one might be a better fit for your needs. No matter which metal tier they are in, these plans all offer the same essential health benefits. Every plan comes with free Virtual Urgent Care, provides Step Rewards for staying active. Also, every Oscar member is paired with a dedicated Care Team of care guides and a licensed nurse who can answer questions and help you find the right doctor. Oscar never requires referrals to see a specialist. This means you don’t need to book an appointment with a primary care provider just to get a permission slip, saving you time and money.
The difference between the tiers is how much you’ll pay for care versus how much your plan will cover.
Secure
- Only for healthy people under 30 who just want emergency coverage. Also called a catastrophic plan.
- Lowest premium, highest deductible.
Bronze
- An excellent option for healthy people who don’t see the doctor often and only take generic prescriptions.
- Low premium, a high deductible.
- 60% of covered health costs paid by Oscar, 40% paid by you.
Silver
- A great option for generally healthy people who expect to get routine care throughout the year and have generic drug prescriptions.
- Moderate premium, moderate deductible.
- 70% of covered health costs paid by Oscar, 30% paid by you.
Gold
- The best option for people who manage a chronic health condition, take brand-name drugs or have an upcoming procedure.
- Higher premium, lower deductible.
- 80% of covered health costs paid Oscar, 20% paid by you.
Platinum
- Best for people managing a chronic health condition, taking multiple brand-name medications, or planning for a major procedure.
- Highest premium, lowest deductible.
- 80% of covered health costs paid Oscar, 20% paid by you.
Cosmo Insurance Agency is a full-service independent insurance agency based in Hackensack (Bergen County) and Lakewood (Ocean County), New Jersey that offers an all-encompassing range of insurance options for both individuals and businesses. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating our knowledge of the insurance guidelines for healthcare, employee benefits, life insurance, self-insurance, dental, disability, and long term care insurance, we keep our clients up-to-date with affordable plans that cover all their specific insurance needs.
