Hi, we’re Oscar, a new kind ofhealth insurancecompany.

Stuff thatʼs in here.

Hello 1

Network 2

Benefits 4

Plans 8

Site & Tools 12

Contact 18

So let’s begin by simply saying,

Hi, we’re Oscar.

1

Healthcare can be pretty stressful, complicated, and difficult. So we set out to create the kind of health insurance weʼd want for ourselves, our friends, and our families.

Oscar is a new kind of health insurance company, built for the modern world. With low cost plans, an expansive network of New Yorkʼs best providers, and benefits that actually make sense, weʼre bringing humanity back to healthcare.

We’ve also worked hard to integrate modern technology into health insurance, making everything simpler, more intuitive, and more accessible.

We pride ourselves on having a large, open network of providers across all of our plans. Oscar members will have access to over 41,000 providers including 12,000 Primary Care Physicians in the New York metro area. And weʼre accepted in almost every hospital in our service area (83 and counting).

We also make it easy for Oscar members to access the network with online tools — so finding the right provider is just a click away.

Service Area • Manhattan • Brooklyn • Bronx • Queens • Staten Island • Rockland County • Westchester County • Nassau County • Suffolk County

Network Our doctors are your neighbors.

32

83 area hospitals

Over 41,000 providers

We’re in the business of making people feel better.

Benefits From head to toe.

54

Oscar provides all the essential health benefits, like regular checkups with a Primary Care Physician, emergency care, hospital visits, access to specialists, and prescription drugs. We also offer unique features and services not provided by other health insurance carriers for all Oscar members, and these are the things weʼre really excited about. All of these awesome benefits and more are listed in the Plans section.

Prescription drugs

Hospital visits

Screenings

Lab tests

Access to specialists

ImmunizationsTop providers

Gym memberships

Wellness checkups

Simple web tools show people where to get care and how much they might pay. The result: They won't be surprised by healthcare bills again.

We never want anyone to choose between taking medications and saving money. Thatʼs why we have plans that offer free generic drugs.

Free Adult PCP Visits

Smart TechnologyFree Generic Drugs

76

Just click our doctor helpline and a board certified physician will call you back within an hour. People can use it day or night, as often as they want, for free.

TeladocIn addition to free physicals, Oscar offers up to 3 free adult PCP visits a year at no additional cost to members — our way of making sure people take care of themselves.

Plans The perfect health plan.And some help choosing it.At Oscar, we’re able to offer some of the most competitively priced plans in the area — each of which covers essential health benefits as well as our special Oscar benefits. Everyone has different needs and we have a variety of plans to suit them.

Keep in mind that some people will qualify for cost sharing reductions (CSR) that will discount the price of certain Oscar plans. But that doesnʼt mean they’re missing out on anything either. CSR plans have access to the enhanced benefits and perks.

We built a nice little tool to help people find the right plan for their budget.Visit HiOscar.com/calculator to get a plan estimate.

98

Adults in your household

Children aged 19-26

Children under 19

Annual taxable income

County of residence

Plan type

2

0

2

$ 50000

Queens

Bronze

C A L C U L A T E R A T E SC A L C U L A T E R A T E S

Or check out the details here.

11

Oscar Plans and BenefitsOscar Edge Plans give people the perks they want while covering the benefits they need.

Find a rate that fits your lifestyle at HiOscar.com

10

Individual DeductibleDeductible also applies to Drugs

OOP Maximum

Medical Copays/CoinsurancePrimary Care Physician (PCP)

# Adult PCP Visits covered in fullSpecialist

Emergency Room VisitUrgent Care

Ambulance CopayInpatient Facility

Outpatient Facility – SurgeryPhysical / Occupational / Speech Therapy

Pediatric GlassesDurable Medical Equipment / ProsthesisSurgeon – Inpatient / Outpatient Facility

Drug Copays/CoinsuranceGeneric

PreferredNon-Preferred

Oscar Plans and BenefitsOscar Edge Plans give people the perks they want while covering the benefits they need.

Find a rate that fits your lifestyle at HiOscar.com

10

Individual DeductibleDeductible also applies to Drugs

OOP Maximum

Medical Copays/CoinsurancePrimary Care Physician (PCP)

# Adult PCP Visits covered in fullSpecialist

Emergency Room VisitUrgent Care

Ambulance CopayInpatient Facility

Outpatient Facility – SurgeryPhysical / Occupational / Speech Therapy

Pediatric GlassesDurable Medical Equipment / ProsthesisSurgeon – Inpatient / Outpatient Facility

Drug Copays/CoinsuranceGeneric

PreferredNon-Preferred

Platinum Edge Gold Edge Silver Edge Silver Edge+ Bronze Edge Bronze Edge+ $275 $1,300 $5,000 $2,500 $6,350 $4,000 No No No No Yes Yes $2,000 $4,000 $6,350 $5,600 $6,350 $6,350

$15 $25 $30 $30 0% $30 2 2 3 2 2 1 $35 $40 $50 $50 0% $50 $100 $150 $150 $250 0% $150 $55 $60 $70 $70 0% $70 $100 $150 50% 50% 0% $150 $500 $1,000 $1,500 $2,000 0% $1,500 $100 $100 $100 $100 0% $100 $25 $30 $30 $30 0% $30 10% 20% 30% 30% 0% 30% 10% 20% 30% 30% 0% 30% $100 $100 $100 $100 0% $100

$0 $0 $0 $0 $0 $0 $30 $35 $35 $35 $0 $35 $150 $150 $150 $150 $0 $150

Silver Edge CSREdge Plans

Oscar Edge CSR (Cost Sharing Reduction) Plans are for people who qualify for cost reductions under the Affordable Care Act. Depending on family income, some people will qualify for premium discounts. People can find out final costs and qualifications at the New York State of Health Exchange (www.nystateofhealth.ny.gov).

Oscar Edge Plans are optimized for individual lifestyles. Costs vary depending on different peopleʼs needs, creating savings on routine checkups and wellness benefits.

Silver Edge+ CSR 200-250% 150-200% 100-150% 200-250% 150-200% 100-150% $2,700 $350 $0 $2,000 $275 $0 No No No No No No $4,500 $2,300 $1,500 $4,950 $2,550 $1,200

$30 $15 $10 $30 $15 $10 3 3 3 2 2 2 $50 $35 $20 $50 $35 $20 $150 $125 $100 $250 $125 $100 $70 $50 $30 $70 $50 $30 50% $75 $50 $150 $75 $50 $1,500 $250 $100 $2,000 $250 $100 $100 $75 $25 $100 $75 $25 $30 $25 $15 $30 $25 $15 30% 10% 5% 25% 10% 5% 30% 10% 5% 25% 10% 5% $100 $75 $25 $100 $75 $25

$0 $0 $0 $0 $0 $0 $35 $20 $15 $35 $20 $15 $150 $150 $130 $150 $150 $130

We’ve built a modern insurance company with modern technology. Our team has put a lot of time and effort into making our website and our online tools approachable, informative, and user-friendly.

The Oscar website brings members’ medical information together in a digitally accessible and organized place, and is available on a PC, smartphone, or tablet. Pretty cool, right?

Site & Tools Designed to make you feel better.

Health insurance can be messy. That’s why we created a simple, intuitive digital timeline to help keep everyone’s healthcare information organized and accessible.

You have a timeline for your thoughts, your photos, and now your health.

1312

migraine

You switched Blocadren for Timolol Malatae and saved $36

Dr. Bryan Young, Primary Care Doctor

May 20 Your Timolol Malatae prescription is ready for refill

222 W 14th St, Manhattan

(212) 555-682410:00 am – 8:00 pm

Your Timolol Malatae prescription is ready for pick up at Duane Reade Union Square

Dr. Bryan Young prescribed you Timolol Malatae

April 22

April 21

April 12

MIGRAINE

MIGRAINE • You visited Dr. Bryan Young

Christina

Health insurance that works like the rest of the Internet.

With our interactive online map, Oscar members can search for the best doctors and specialists in any location. Then they can even roll over the pins to compare costs and find the provider and location that’s right for them.

Get help close to home.

If people aren’t feeling great, they can just come to our site. With smart search technology, we help them find doctors, specialists, hospitals, and pharmacies quickly and easily.

1514

Dr. Charles Paolino

Your Home

Your Pharmacy

Dr. Kristen Robinson32

229 E 2nd StNew York, NY 10009

Dr. Daryl McClendonPrimary Care

Show my doctors

Show my health map

Show my benefits

Show my prescriptions

Search for care or symptoms

It helps to know how insurance costs can add up, but we’re not all math people. So our site will help Oscar members visualize and understand plan costs over time.

With Teladoc, all people have to do is click a button online and a doctor will call them within an hour. The Teladocs can handle prescriptions and make recommendations right over the phone, helping you save time. And it’s free!

If you can’t get to the doctor, just use Teladoc.

If our healthcare costs were any more transparent, they’d be invisible.

1716

Connect With a DoctorHave a doctor call you within an hour for a free consultation.

CALL ME AT (917) 555-5555

Your deductible: $1,300Your expenses so far: $600

Come say hello

Visit us online at

HiOscar.comor

HolaOscar.com

Call us any time at

1-855-OSCAR-NY

18