Overview
Oscar Health provides health insurance plans for individuals, families, and employers that are designed to be affordable and easy to use. They offer services like online account management, connection to a dedicated Care Team for help and advice, and virtual care available anytime with $0 cost for urgent care visits and, in some areas, primary care. Members can find local or virtual doctors who take their plan and get many common prescriptions for just $3. For employers, they offer flexible benefits through ICHRA. They also have an app to manage prescriptions and support plans for different group sizes.
Difficulty
12345
678910
Easy
Medium
Very Hard
The information is directly taken from the main Oscar Health website, which clearly lists their services in simple terms aimed at consumers.
How to Get an Oscar Health Refund: Step by Step
If you purchased through the Oscar Health website (hioscar.com):
- Log in to your Oscar Health account on hioscar.com.
- Go to the 'Billing' or 'Payments' section of your account dashboard.
- Locate the most recent transaction or recurring charge you believe should be refunded.
- Navigate to the 'Support' or 'Contact Us' section on the website.
- Use the secure messaging feature to contact the Care Team or billing support.
- In your message, clearly state that you are requesting a refund for a specific recurring charge or membership fee.
- Include details such as the date of the charge, the amount, and why you believe a refund is warranted (e.g., accidental charge, duplicate payment, or service dissatisfaction).
- Send the message and wait for a response from the Care Team.
- If you do not receive a reply within a few business days, follow up using the same secure messaging tool.
If you purchased through a third-party billing provider:
- Identify the billing provider associated with your payment (this could be credit card, Apple, Google Play, or other payment processors).
- If the charge was made via Apple App Store:
- Open the Settings app on your iPhone or iPad.
- Tap your Apple ID at the top.
- Tap Subscriptions.
- Locate your Oscar Health subscription.
- Tap Report a Problem or visit the Apple support website to request a refund.
- When requesting the refund, mention the subscription renewed without notice and emphasize if the service was unused.
- If the charge was made via Google Play:
- Open the Google Play Store app on your Android device.
- Tap the profile icon and go to Payments & subscriptions.
- Select Subscriptions and find your Oscar Health subscription.
- Tap Report a problem and follow the prompts to request a refund.
- Explain that the subscription renewed unexpectedly or was unused to improve refund chances.
- If the charge was made via credit card or other bank payment:
- Call your credit card company or bank's customer service.
- Explain you want to dispute or inquire about a refund for the specific charge from Oscar Health.
- Provide transaction details and emphasize any issues, such as unauthorized or duplicate charges.
- Follow their process to file a refund dispute.
How to Contact Oscar Health
If you need assistance, here’s how you can get in touch with Oscar Health support team:
Tips and Tricks for Getting an Oscar Health Refund
- Use clear, firm, and polite language in written communications, emphasizing your understanding of policies and your right to reimbursement.
- Document all communications meticulously, keeping records of emails, chat logs, and phone calls as evidence for escalation.
- Contact Oscar Health via the secure messaging feature on their website rather than generic customer service channels for quicker, traceable responses.
- Request refunds specifically by referencing the exact charge date, amount, and reason to avoid vague requests that can be ignored or delayed.
- Be persistent and follow up if you do not receive a response within a few business days; multiple polite follow-ups can prompt action.
- Escalate denied requests formally by asking to speak with supervisors or the appeals department and providing any required documentation such as itemized bills or proof of coverage changes.
- Cancel your plan before the premium due date to avoid being charged for the next month and ask for refund if charged post-cancellation.
- Leverage knowledge of billing errors or regulatory refunds such as ACA 80/20 rules and plan changes that may result in automatic refunds by Oscar Health.
- If charged through third-party platforms (Apple or Google), use their refund request process via subscription management and reporting a problem.
- If charges are disputed on a credit card or bank payment, contact your financial institution to initiate a chargeback or investigation.
- Insist on providers submitting claims properly to Oscar Health and persist with billing staff, using appeals to correct initially denied claims.
- Use a refund request script copying best practices from other users: "Dear Oscar Health Team, I am writing to address a recent billing issue related to my account. There has been an accidental charge on my statement that I was not expecting. After reviewing my account details, I believe this charge is incorrect. Please look into this matter and process a refund for the erroneous charge at your earliest convenience. Best regards,"
- Act quickly after noticing an incorrect charge or billing issue, as timely requests may be handled more favorably.
- Ask politely but firmly to escalate or appeal, especially if first-level support is unhelpful.
Why Do People Request Refunds from Oscar Health
- Charges after policy termination or enrollment issues - premiums charged for periods when enrollment was terminated.
- Disputed claim payments - refunds requested due to delayed or disputed claim payments to providers.
- Billing exceeding cost estimates - refunds sought because actual bills were higher than the initial estimates given to members.
- Inaccurate or unclear cost information - members frustrated by lack of transparency or misleading cost estimates leading to refund requests.
- Accidental or mistaken payments - refunds requested for payments mistakenly made to providers or Oscar.
Oscar Health Refund Script
Script
Copy
Dear Oscar Health Team,
I hope this message finds you well. I am writing to address a recent billing issue related to my account. It appears that there has been an accidental charge on my statement that I was not expecting. After reviewing my account details, I believe this charge is incorrect.
I would appreciate it if you could look into this matter and process a refund for the erroneous charge at your earliest convenience. Thank you for your attention to this issue, and I look forward to your prompt response.
Best regards,
Oscar Health Refund Policy
Oscar Health does not provide a traditional refund policy, as their coverage is managed through monthly premiums rather than upfront payments for services. However, members can cancel their plans at any time, but the cancellation may affect their eligibility for future enrollment outside of the open enrollment period, unless they have a qualifying life event.
The Easiest Way to Get an Oscar Health Refund
If you’re frustrated trying to get a refund from Oscar Health—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or card account, and we’ll take care of the rest.
Start reclaiming your money today with Chargeback
Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
.svg)
.svg)
.svg)
.svg)
.png)
