Hi, we re Oscar, a new kind of health insurance company.

Hi, we re Oscar, a new kind of health insurance company.

Stuff thatʼs in here. Hello 1 Network 2 Benefits 4 Plans 8 Site & Tools 12 Contact 18

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. So let s begin by simply saying, Hi, we re Oscar. We ve also worked hard to integrate modern technology into health insurance, making everything simpler, more intuitive, and more accessible. 1

Network Our doctors are your neighbors. 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 Over 41,000 providers 83 area hospitals 2 3

We re in the business of making people feel better. Benefits From head to toe. Oscar provides all the essential Wellness checkups Prescription drugs Lab tests 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 Top providers Screenings Immunizations things weʼre really excited about. All of these awesome benefits and more are listed in the Plans section. Gym memberships Hospital visits Access to specialists 4 5

Teladoc 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. Free Adult PCP Visits In 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. Free Generic Drugs We never want anyone to choose between taking medications and saving money. Thatʼs why we have plans that offer free generic drugs. Smart Technology 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. 6 7

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. Adults in your household 2 Children aged 19-26 0 Children under 19 2 Annual taxable income $ 50000 County of residence Queens Plan type Bronze CALCULATE RATES 8 9

Find a rate that fits your lifestyle at HiOscar.com Oscar Plans and Benefits Or check out the details here. Oscar Edge Plans give people the perks they want while covering the benefits they need. Individual Deductible Deductible also applies to Drugs OOP Maximum Medical Copays/Coinsurance Primary Care Physician (PCP) # Adult PCP Visits covered in full Specialist Emergency Room Visit Urgent Care Ambulance Copay Inpatient Facility Outpatient Facility Surgery Physical / Occupational / Speech Therapy Pediatric Glasses Durable Medical Equipment / Prosthesis Surgeon Inpatient / Outpatient Facility Drug Copays/Coinsurance Generic Preferred Non-Preferred 10 11

Find a rate that fits your lifestyle at HiOscar.com Oscar Edge Plans are optimized for individual lifestyles. Costs vary depending on different peopleʼs needs, creating savings on routine checkups and wellness benefits. 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 Plans and Benefits Edge Plans Silver Edge CSR Silver Edge+ CSR Oscar Edge Plans give people the Individual Deductible Deductible also applies to Drugs OOP Maximum 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 $6,350 200-250% 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 perks they want Medical Copays/Coinsurance while covering the benefits they need. Primary Care Physician (PCP) # Adult PCP Visits covered in full Specialist Emergency Room Visit $15 $25 $30 $30 0% $30 2 2 3 2 2 1 $35 $40 $50 $50 0% $50 $100 $150 $150 $250 0% $150 $30 $15 $10 $30 $15 $10 3 3 3 2 2 2 $50 $35 $20 $50 $35 $20 $150 $125 $100 $250 $125 $100 Urgent Care $55 $60 $70 $70 0% $70 $70 $50 $30 $70 $50 $30 Ambulance Copay $100 $150 50% 50% 0% $150 50% $75 $50 $150 $75 $50 Inpatient Facility $500 $1,000 $1,500 $2,000 0% $1,500 $1,500 $250 $100 $2,000 $250 $100 Outpatient Facility Surgery $100 $100 $100 $100 0% $100 $100 $75 $25 $100 $75 $25 Physical / Occupational / Speech Therapy $25 $30 $30 $30 0% $30 $30 $25 $15 $30 $25 $15 Pediatric Glasses 10% 20% 30% 30% 0% 30% 30% 10% 5% 25% 10% 5% Durable Medical Equipment / Prosthesis 10% 20% 30% 30% 0% 30% 30% 10% 5% 25% 10% 5% Surgeon Inpatient / Outpatient Facility $100 $100 $100 $100 0% $100 $100 $75 $25 $100 $75 $25 Drug Copays/Coinsurance Generic $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 Preferred $30 $35 $35 $35 $0 $35 $35 $20 $15 $35 $20 $15 Non-Preferred $150 $150 $150 $150 $0 $150 $150 $150 $130 $150 $150 $130 10

migraine Christina You switched Blocadren for Timolol Malatae and saved $36 MIGRAINE Site & Tools Designed to make you feel better. May 20 April 22 April 21 Your Timolol Malatae prescription is ready for refill Your Timolol Malatae prescription is ready for pick up at Duane Reade Union Square Dr. Bryan Young prescribed you Timolol Malatae 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? Dr. Bryan Young, Primary Care Doctor 222 W 14th St, Manhattan (212) 555-6824 10:00 am 8:00 pm April 12 MIGRAINE You visited Dr. Bryan Young You have a timeline for your thoughts, your photos, and now your health. 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. 12 13

Health insurance that works like the rest of the Internet. Dr. Daryl McClendon Primary Care 229 E 2nd St New York, NY 10009 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. 2 Dr. Charles Paolino Your Home 3 Dr. Kristen Robinson Your Pharmacy Search for care or symptoms Show my doctors Show my prescriptions Show my health map Show my benefits Get help close to home. 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. 14 15

If our healthcare costs were any more transparent, they d be invisible. 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. Connect With a Doctor Have a doctor call you within an hour for a free consultation. CALL ME AT (917) 555-5555 If you can t get to the doctor, just use Teladoc. Your expenses so far: $600 Your deductible: $1,300 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! 16 17

Come say hello Call us any time at 1-855-OSCAR-NY Visit us online at HiOscar.com or HolaOscar.com 18