I-Oscar Health, inkampani ye-inshurensi yempilo yabucala, ubuso obutsha kwi-inshorensi yempilo kodwa yenzele igama njengolu shishini lokuphazamisa kunye nokusetyenziswa kwayo kwitheknoloji ekhethekileyo ukubonelela nge-inshorensi yokunakekelwa kwempilo efumanekayo esebenzisa i-digital apps. Yayisungulwa ngo-2012 kwisixeko saseNew York ngu Mario Schlosser, uKevin Nazemi, noJosh Kushner. Ukuqala kwe-insurer yokunakekelwa kwempilo kunokulinganisela okwangoku malunga nama-2.7 billion.
Umgangatho unikezwa eNew York, eTexas naseCalifornia ngezicwangciso zokwandisa ukuya e-Ohio naseTennessee.
I-Oscar Centre yavulwa ngoNovemba ka-2016 ngokubambisana neNtaba yeSinayi yeNkqubo yeMpilo eyenzela amalungu ukuba afikelele kwiinkqubo zokunyamekela eziphambili kunye neeklasi ezikhululekile kwi-yoga kunye neeklassi zokunakekelwa kwezempilo kubaomama abalindeleyo. Kukho ugqirha we-24/7 kwi-call service njengenxalenye yobulungu obufumaneka kwisicelo sokukhuphela kwi-Android, iOS okanye i-app ye-Oscar yewebhu. Nge-app ye-Oscar, izigulane zingaphaya nje zithethe ukuba zicele ukubuyela kumgqirha ngaphakathi kwemizuzu kunye ne "Ugqirha kwi-Call". Uhlelo lokusebenza logqirha-nge-call luyakwazi ukuthumela imimiselo kwi-pharmacy yakho. Akukho ndawo yokuthunyelwa kuyadingeka ukuba ubone ugqirha ozikhethayo-kuquka iingcali. Imodeli isekelwe ekulula ukugxininisa kwi-teknoloji kunye namava abathengi bonke.
Ukunyamekelwa kwabaThengi kulawulwa yiQela leConcierge; Izikhokelo ezintathu zokunyamekela kunye nomongikazi obhalisiwe obonelela ngononophelo lwezempilo kunye nokuphendula imibuzo yabathengi.
Kukho ucwangco oluqingqiweyo lokuqulunqwa kunye nabalingani abanikiweyo. Abanikezeli bezempilo abakhethiweyo be-Oscar bayakwazi ukufikelela kwingcaciso yesigulane ngokusebenzisa ideshibhodi yekliniki ekuhlanganiseni imbali yesigulane ibe yinye iqonga.
Impilo ka-Oscar ilinganisa njani?
Ezempilo ze-Oscar zinombono oyingqalileyo kuba akufunanga nje ukufumana i-inshurensi yempilo enokungenaxabiso kubaphathi balo mgaqo-nkqubo kodwa ifuna ukubandakanya abathengi bayo banikezela izikhuthazo ekusebenzeni (ukulandelwa kwenyathelo lokugqoka okukhululekayo), ukunyuswa kwemali yokufumana umkhuhlane , ukutyelelwa kokuqala kokunakekelwa kwamaziko okuqala kunye nokunikezela ngeziyobisi ezifumaneka mahala.
Ukuhlawula i-premium ephezulu kukunika i-deductible esezantsi kodwa unokhetho, kuxhomekeke kubhajethi yakho kunye nemeko yezempilo. Kukho izicwangciso ezihambelana ne-HSA eCalifornia, eTexas nase-Ohio. U-Oscar Insurance uza kuthatha ixesha elithile njenge-insurer entsha ukwakha idumela layo kodwa kutshanje wathola isilinganiselo "A-" kwi-Business Business Bureau.
Plans Plans
Unonophelo lwezocwangciso nganye kwiplani nganye iyafana kodwa iindleko zesicwangciso ngasinye siyahluka ngokusekelwe kwizinto ozikhethileyo. Izicwangciso ezincitshisiweyo ezincitshiswayo zinikwe i-premium ephezulu. Kukho izicwangciso ezine zomgangatho ezifumanekayo kuzo zonke izicwangciso zonyango ezinikezwa ngo-Oscar:
- Umyinge weBronze : Ukuhlawula iipesenti ezingama-60 zeendleko zonyango.
- Isilivere sesiTywala : Ivelisa iipesenti ezingama-70 zeendleko zonyango.
- I-Gold Tier : Ivelisa iipesenti ezingama-80 zeendleko zonyango.
- Iprogram yePlatinum : Ivelisa iipesenti ezingama-90 zeendleko zonyango.
Ikamva le-Intshurensi yezeMpilo yase-Oscar
Ngomshuwalense weMpilo ka-Oscar owasekwa nguJoshua Kushner, umkhwenkwe kaMongameli kaTrump, uYared Kushner; Ubudlelwane phakathi kweNtsholongwane ye-Intshurensi ye-Oscar kunye noMthetho ononophelo lweNtlonipho (ACA) luyinkimbinkimbi. Iinjongo ze-ACA-ezibonelela nge-inshorensi yempilo yonyango ehlawulwa ngumqeshi kubo bonke abantu baseMerika-zazinceda ukufumana ezintsha ze-inshorensi yezempilo, njenge-Oscar Health-driven by-digit.
Ekubeni ulawulo lweTrump lithathile kwaye luthembisa ukuphelisa iinkalo ezithile ze-Obamacare, kunokukho ukuphazamiseka okukhulu kwindlela iindlela zenkampani zomshuwalense eziphatha ngayo indlela abantu abaqala ngayo ukubhalisela ukunakekelwa kwezempilo kunye neminikelo yenkqubo. Okuphazamiseka kubangelwa yinxalenye yokungaqiniseki kwendawo yemarike yonyango.
Ikusasa le-Intshurensi ye-Oscar yezempilo kunye nezinye iinshurensi ezisekelwe kwidijithali ziya kuxhomekeke kakhulu kwiinkalo ze-ACA ezihlalayo kwaye ezingekho emva kokuba ziphi na utshintsho kwiinkonzo zempilo ezenziwe nguTrump. Ngo-2016, u-Oscar wachaza ukuba iya kunqumla umnxibelelwano womnatha kwisigidi "ukuze ufumane ukulawula okungaphezulu kwamaxabiso kunye namava okugula." Ukuchithwa kwe-Obamacare kunokuthetha iindaba ezimbi ze-Oscar Health; Nangona kunjalo, inkampani igcinwe isimo sengqondo sokunyamezela kwiindawo zokuthengisa ezingaqinisekiyo zithi, "Ukulwa nokuphucula impilo yaseMelika akuzange kufuneke kube yinto enokukhawuleza, kwaye kuya kuhlala kugxeka nangona kukho utshintsho lomgaqo-nkqubo," kutsho.
"Sikho kule nto ukukhawuleza."
Ukufumana iSikethi
Yinkqubo elula ukufumana isicatshulwa sokunakekelwa kwezempilo evela kwi-Oscar Insurance kwaye unokufumana isicatshulwa kwimizuzu embalwa ngokufaka ulwazi malunga nempilo yakho, ingcaciso yokuqala kunye nengcaciso yengqesho / yengeniso. Ukufumana ulwazi oluthe xaxa malunga nokubonelela nge-Oscar Insurance, ungabiza u-1.855.672.2788 okanye u tyelele iwebhusayithi ye-Oscar Insurance.