Oscar Insurance Corporation of Ohio denied your claim. Here is your deadline.

You are not alone, and here is the measured version of that sentence: 75,554 in-network claims were denied by Oscar Insurance Corporation of Ohio in Ohio in a single plan year. A denial rate is a fact about an insurer's book of business. It is not a judgment about you, and it is not the last word on your claim.

• Of the 7 insurers reporting a denial rate in Ohio, Oscar Insurance Corporation of Ohio is the fourth highest at 14.4%. The highest in the state is 24.5% and the lowest is 7.9%.
• That is 1.3 percentage points below the 15.7% national average across this dataset, and 1.7 points above the Ohio average of 12.7%.
• Behind the percentage: 525,807 in-network claims were processed under 20 plans in Ohio, and 75,554 of them came back denied.
• For every 10,000 claims Oscar Insurance Corporation of Ohio denied, about 494 came back as an internal appeal. The other 9,506 stopped at the letter.
• Of the internal appeals it did receive, Oscar Insurance Corporation of Ohio overturned 28.67%, 1,071 claims that started life as a no.
• Its most-recorded denial reason is administrative reason at 42.2% of its categorized denials, against 17.2% nationally, a heavier share than the country as a whole. That is the denial mix, not an outcome rate.
• Oscar Insurance Corporation of Ohio accounts for 5% of every in-network claim denied in Ohio in this file.
• By raw volume it is the 89th largest source of denials among the 135 insurer-state records in the file that report one.
• After that, its second-most-recorded reason is benefit limit reached, 23,662 claims, 28% of its categorized denials.
• Third on its own list is referral required, 11,154 claims, 13.2% of what Oscar Insurance Corporation of Ohio categorized in Ohio. Between them the top three account for 83.3% of its categorized denials.
• Where Oscar Insurance Corporation of Ohio differs most from the national mix is administrative reason: 42.2% of its categorized denials in Ohio against 17.2% across the file.
• Read the other way round: 450,253 of those 525,807 in-network claims were paid, 85.6% of everything Oscar Insurance Corporation of Ohio processed in Ohio.
• Spread across the 20 plans it reports in Ohio, that is about 3,778 denied claims per plan, on about 26,290 claims processed per plan.
• Its reason columns add up to 84,650 categorized rows against 75,554 denials, 112% of them, and every reason share on this page is a share of that first figure rather than of the second.
• Its smallest recorded category in Ohio is not medically necessary, 17 claims, 0% of what Oscar Insurance Corporation of Ohio categorized there.
• Against the file as a whole, this one record is 0.1% of the 83,907,852 in-network claim denials reported by every issuer in it.

What happened to appeals

What that record means for your own Oscar Insurance Corporation of Ohio letter, and by when. Oscar Insurance Corporation of Ohio overturned 28.67% of the 3,736 internal appeals its Ohio members filed against 75,554 denials, and the Ohio escalation count for Oscar Insurance Corporation of Ohio is the figure this page names as absent at the top, so how many of those denials went on to the independent stage is not something this page can tell you, Oscar Insurance Corporation of Ohio's own rows in the plan-year 2027 release of the CMS Transparency in Coverage file, read November 4, 2026 (data.healthcare.gov). Whichever way that lands, nobody files the appeal for you, and the filing runs on a clock set by which plan you hold: an employer or Marketplace plan gives you at least 180 days from the denial notice to file the internal appeal (29 CFR 2560.503-1(h)(3)(i), carried onto individual-market coverage by 45 CFR 147.136(b)(3)(i)), while Medicare Advantage gives you 65 calendar days from the date of its notice (CMS, 42 CFR 422.582(b)) and Medicaid managed care 60 calendar days from the date on the notice (42 CFR 438.402(c)(2)(ii)), both stages free, and the three steps above are the whole of what to do tonight, so take the date printed on your Oscar Insurance Corporation of Ohio notice and file well inside whichever of those windows is yours. The free steps are above; the $29 kit is the same clock with the letters pre-filled for Oscar Insurance Corporation of Ohio in Ohio. One payment. No subscription. No cut of your claim.

Oscar Insurance Corporation of Ohio inside Ohio

Your denial did not happen in a national average. It happened in a state market, alongside 8 other insurers reporting into the same federal file, and these are that market's own figures.

• Across the whole of Ohio, the 9 insurers reporting in this file processed 11,919,238 in-network claims and denied 1,509,307 of them, a state denial rate of 12.7%. Oscar Insurance Corporation of Ohio is one of those 9.
• That puts Ohio 23th of 29 states by denial rate, 3 points below the 15.7% national average, before you get to what Oscar Insurance Corporation of Ohio did inside it.
• Ohio recorded 20,482 internal appeals against those denials: one appeal for every 74 claims the state's insurers refused. Oscar Insurance Corporation of Ohio's own ratio is one for every 20.
• Independent external review was reached 114 times in the whole of Ohio, once for every 13,240 denials, against one in 17,061 nationally. How many came from Oscar Insurance Corporation of Ohio's denials is not on the record, that is the Ohio figure this page names as absent at the top and sources at the foot.
• Of the Ohio external reviews that were filed, 31 were overturned, 27.2%. That percentage is measured on 114 reviews, which is why the count beside it matters more than the rate does when you are deciding whether to file against Oscar Insurance Corporation of Ohio.
• The reason Ohio's insurers record most often is administrative reason, 423,239 claims, 20.1% of the state's categorized denials. Oscar Insurance Corporation of Ohio records the same one most often, so your letter is likely to say it too.
• The other insurers an Ohio reader could have bought from run from 24.5% (Summa Insurance Company, Inc.) to 7.9% (Community Insurance Company). Oscar Insurance Corporation of Ohio at 14.4% sits between the two.
• Put the two together and Oscar Insurance Corporation of Ohio is responsible for 5% of every in-network claim denied in Ohio in this release, from 4.4% of the claims the state's insurers processed.
• Every Ohio figure in this section is that state's own row in the same federal file Oscar Insurance Corporation of Ohio's numbers above come from, CMS Transparency in Coverage Public Use File (PY2027 release, PY2025 claims), data.healthcare.gov — US Government public domain, and the full Ohio page is free at /states/ohio.

What Oscar Insurance Corporation of Ohio denies most

The most common denial reason recorded for Oscar Insurance Corporation of Ohio plans in Ohio is administrative reason. How that denial is beaten →

The last column is each reason's share of all categorized denials nationally, so you can see where Oscar Insurance Corporation of Ohio's mix in Ohio differs from everyone else's. This is denial mix, not overturn rate by reason, the federal file does not report appeal outcomes broken down by denial reason, and we do not imply otherwise.

The three steps at the top of this page are the whole of what you have to do tonight. The longer version, what the internal appeal has to contain, how the independent stage works, and how to ask for expedited handling when waiting would seriously jeopardize your health, is published free here. For what it is worth on this page specifically: Oscar Insurance Corporation of Ohio overturned 28.67% of the internal appeals it received.

Questions

Everything you need for your Oscar Insurance Corporation of Ohio appeal in Ohio: your two deadlines, the argument that fits your denial reason, the letters, a brief for your doctor on what the reviewer checks, and the external review request. One payment. No subscription. No cut of your claim. Opens on screen the moment you pay. 14-day refund, no questions, one email to hello@getaxionlabs.com.