There is a new entrant into Travis County for insurance. It is called, Oscar. Those of you looking for health insurance are very limited in your choices. For years, Blue Cross Blue Shield has really been the only viable choice. Now that Oscar has emerged, Blue Cross Blue Shield has some competition. Let me briefly explain what they do differently. Blue Cross Blue Shield only offers an HMO or Health Maintenence Organization. What most people don’t like about HMOs is having to get a referral to see a specialist. Oscar offers an EPO (Exclusive Provider Organization) which doesn’t require referrals to specialists. Blue Cross Blue Shield offers Telemedicine, but charges you a PCP (Primary Care Physician) copay everytime you call. That could range from $30 to $60 depending on the plan you chose. Oscar does not charge a copay for Telemedicine phone calls. Call every 5 minutes if you want. Additionally, Oscar offers a concierge team responsible for answering your questions. It is the same 4 people that you deal with and they know who you are and your history. Blue Cross Blue Shield would ask that you call Customer Service and repeat your story multiple times to different people. If you would like to see what Oscar might cost you and your family, drop me an email at Ken@versaclaim.com or call me at 512-417-6058.