Savanna Hoffman
Health insurance is a requirement for most international students studying in the United States, and Oscar is a health insurance company that offers plans in 18 states. While Oscar does not specify whether their plans are available to international students, they do offer plans for college students. Additionally, Oscar's Virtual Urgent Care offerings are not available outside of the US, and their plans vary by state.
| Characteristics | Values |
|---|---|
| Name of Insurance Company | Oscar Insurance Corporation |
| Area Served | Ohio, Arizona, Illinois, Pennsylvania, Georgia, North Carolina, Florida, New York, Texas |
| Type of Insurance | Health Insurance |
| Type of Plans | Individual & Family, Dental Insurance, Grandfathered Plans, Individual Market Plans |
| Features | Virtual Urgent Care, $3 Prescriptions, 24/7 Virtual Consultations, Ambulance Services, Emergency Services, Hospitalization, Pregnancy, Maternity and Newborn Care, Preventative Care, Basic Treatments, Major Treatments |
| International Coverage | Limited, Emergency Coverage, Travel Insurance |
| Student Insurance | No explicit mention |
| Student Insurance Alternatives | ISO International Student Health Insurance |
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What You'll Learn
Oscar Insurance for international students in the US
Oscar Insurance Corporation offers health insurance plans for individuals and families in the US. These plans are available in 18 states, including Arizona, Florida, Georgia, Illinois, New York, Ohio, and Texas. The company provides a range of benefits, such as virtual urgent care, $3 prescriptions, and access to a dedicated care team. However, it is unclear if Oscar Insurance specifically caters to international students.
International students in the US have specific insurance requirements that must be met, and there are other organizations that cater specifically to these students. One such organization is the International Student Organization (ISO), which has offered affordable insurance plans designed for international students since 1958. ISO insurance plans meet the requirements of schools' waiver conditions and visa statuses. ISO offers coverage anywhere in the USA and worldwide, with access to over one million doctors.
Oscar Insurance's plans vary by state, and it is important to understand the specific coverage and terms of each plan. While Oscar's ACA health insurance plans may offer limited coverage for international travel, this typically includes emergency coverage for unexpected illnesses or injuries, hospitalizations, surgeries, and medical transportation. Out-of-pocket costs may be higher for international care, and additional travel insurance may be necessary to supplement the ACA coverage.
For international students in the US, it is essential to carefully review the requirements of their student visa and school. While Oscar Insurance provides comprehensive health insurance plans in multiple states, it may not specifically cater to the unique needs of international students. Organizations like ISO, dedicated solely to international students, can provide tailored insurance plans that meet visa and school requirements, offering comprehensive coverage both within the US and worldwide.
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Oscar Insurance for international students outside the US
Oscar Insurance is a healthcare partner that offers affordable health insurance plans in the United States. Unfortunately, Oscar Insurance is not available outside the US or in US territories. Therefore, international students outside the US cannot access Oscar Insurance.
Oscar Insurance is available in 18 states, including Arizona, Florida, Georgia, Illinois, New York, Ohio, Pennsylvania, and Texas. The company offers a range of health insurance plans, including HMO and EPO plans, and provides benefits such as $3 prescriptions, virtual urgent care, and access to a dedicated Care Team.
Oscar's health insurance plans cover essential health benefits, including:
- Ambulatory or outpatient services: Medical care that does not require hospital admission.
- Emergency services: Care received in an emergency room for issues like broken bones or heart attacks.
- Hospitalization: Any reason for admission to a hospital, including surgery or observation.
- Pregnancy, maternity, and newborn care: Practitioner provider visits during pregnancy and after birth, as well as doctor visits for the newborn.
- Mental health and substance use services: Treatment and care from psychiatrists, counselors, and mental health clinics.
- Prescription drugs: Antibiotics, medications for blood pressure and depression, and other prescribed medications.
Oscar Insurance also offers Oscar Primary Care, which is available in select states and provides access to Oscar Medical Group providers. However, this service is only available to members aged 18 and above and may have limitations on prescriptions, visits, and services.
While Oscar Insurance provides valuable healthcare coverage within the US, it is not an option for international students residing outside the country. Those seeking health insurance while studying abroad will need to explore alternative insurance providers or plans that specifically cater to international students in their respective countries or regions.
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Oscar Insurance for international students' dependents
Oscar Insurance offers health insurance plans for individuals and families. These plans are available in 18 states, including Arizona, Florida, Georgia, Illinois, New York, Ohio, Pennsylvania, and Texas. The plans vary by state, but all include essential health benefits such as ambulatory services, emergency services, hospitalization, and pregnancy, maternity, and newborn care.
Oscar Insurance's plans are sold by the Oscar Insurance Corporation and its affiliated companies, such as Oscar Buckeye State Insurance Corporation and Oscar Health Plan, Inc. These plans are subject to exclusions and limitations, and potential customers are advised to consult a licensed agent or Oscar sales representative for detailed information on availability, costs, and coverage.
Oscar Primary Care, offered by Oscar Medical Group, is available only to members aged 18 and above. It is currently accessible in select states, with some exclusions depending on the specific plan. Oscar also offers $3 prescriptions for a 30-day supply of medication, although this may not be available in all states or with all plan types.
While Oscar Insurance provides health insurance for individuals and families, the information provided on their website does not specifically address international students or their dependents. It is important to note that Oscar's Virtual Urgent Care offerings are not available in US territories or internationally. Therefore, it is unclear whether international students or their dependents would be eligible for Oscar Insurance plans.
To definitively determine if Oscar Insurance is an option for international students' dependents, it is recommended to contact a licensed agent or Oscar sales representative, who can provide detailed information on eligibility, availability, and any applicable limitations or exclusions.
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Types of plans offered by Oscar Insurance
Oscar Insurance offers health insurance plans for individuals, families, and employers. These plans are available in select counties across 18 states, including Arizona, Florida, Georgia, Illinois, New York, Ohio, and Texas.
Oscar Insurance offers two main types of plans: Market Plans and Simple Plans. Market Plans are designed to be offered in the California Health Exchange through Covered California. Based on income and household size, enrollees may qualify for government assistance in the form of tax credits or Cost Sharing Reduction (CSR). Market Plans offer lower prices for urgent care on Silver and Gold plans, with copays of $35 or less.
Simple Plans, on the other hand, are designed to be easy to understand and are only offered off-exchange. They have two stages: before and after the deductible/out-of-pocket maximum (OOP Max). In the first stage, some covered benefits are free or require a small copay, while others are subject to the deductible. In the second stage, all covered benefits are free, as you have reached the OOP Max. Simple Plans offer very low costs for generic drugs, with medications being free on Silver and Gold plans and costing only $5 on the Bronze plan.
Oscar also offers small group insurance plans in certain areas, such as Nashville and New York. Additionally, they provide Medicare Advantage plans in New York City and Houston, Texas, as well as dental insurance plans with varying coverage options and benefits depending on the specific plan and location. Oscar members can also take advantage of the Concierge service, which provides personalized help from a dedicated team of care guides and nurses.
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The history of Oscar Insurance
Oscar Health, Inc. is an American health insurance company founded in 2012 by Joshua Kushner, Kevin Nazemi, and Mario Schlosser. Headquartered in New York City, the company focuses on providing affordable, high-quality healthcare to its members through telemedicine, healthcare-focused technological interfaces, and transparent claims pricing systems.
In its early years, Oscar targeted specific demographics, such as new parents, with its advertising campaigns. By 2014, the company had raised $300 million in funding, leading to a valuation of $1.5 billion. Oscar began selling insurance in 2013, coinciding with the implementation of the Affordable Care Act exchanges and the individual mandate for the 2014 plan year. The company secured 16,000 members in its first year.
As of 2015, Oscar introduced dedicated Care Teams for each member and established the Tempe Health Hub to support these teams. The company also launched the Oscar Provider Platform and expanded its business to include small group insurance. In 2016, Oscar opened the Oscar Center in partnership with Mount Sinai Health System in Brooklyn Heights, offering exclusive primary care practices and free classes for members.
By 2017, Oscar announced its intention to expand to additional markets, including Tennessee, Ohio, Texas, New Jersey, and California. The company also ventured into small group insurance in Nashville through a partnership with Humana. Oscar continued to innovate, providing members with tools like smartwatches and fitness monitors to track their health and lower premiums.
In 2020, Oscar formed a partnership with Cigna to bring health insurance plans to small businesses, and launched Medicare Advantage as its third business line. The company celebrated its Initial Public Offering on the NYSE in 2021 and introduced the +Oscar platform. As of 2025, Oscar serves approximately 1.6 million members across the United States, offering individual, small group, and Medicare Advantage health insurance plans.
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Frequently asked questions
Oscar Insurance is a health insurance company that offers affordable plans with high-quality care. They offer individual and family health insurance plans in 18 states, including Arizona, Florida, Georgia, and Illinois.
Yes, Oscar Insurance is available to everyone, including college students. However, it is important to note that Oscar's Virtual Urgent Care offerings are not available internationally. International students should also ensure that their insurance plan complies with federal regulations and university requirements.
Oscar Insurance provides valuable protection and peace of mind for international students studying in the United States. It can help them navigate the complex U.S. healthcare system and safeguard them from exorbitant medical bills in the event of an illness or injury. Oscar also offers a digital platform that makes it easy to shop for insurance, purchase a plan, and manage coverage.
