OCI is a referral-based plan in which members work closely with a primary care physician (PCP) for appropriate, cost-effective care. With a strong, local network, OCI offers lower premiums than traditional health plan options. If services are delivered outside of our local network, the plan will not cover the cost except in an emergency. The OCI network in Delaware, Maryland, Virginia, West Virginia or Washington, D.C. includes more than 33,000 doctors, 200 hospitals and 3,500 retail pharmacies.
Added plan details
A PCP is required to help coordinate your care and guide you through the health care system. You must choose a network primary care physician (PCP) when you enroll. Your PCP’s name will be printed on your health plan ID card.
There's no coverage if you go out-of-network.
You’ll need a referral from your PCP before seeing another network physician or specialist. Your physician should seek prior authorization for things like surgeries and most lab and radiology services, even when performed in your doctor's office.
You must visit network locations.
For PCP appointments, see the PCP printed on your ID card.
For lab and radiology appointments, go to the locations in the counties printed on your ID card. Your radiology facility is assigned based on your PCP's county, and your lab facility is assigned based on the county in which you live.
Satisfactory and pleasant policies tho
Great work great services, your best
I had another insurance company with $0 monthly premium! And $17.00 copay. Now I have a $10.00 copay and a 42.00 monthly premium. The old saying is you get what you pay for! I am 100% happy with optimum choice, I will never go with another insurance company.
Would never recommend this company to anyone I love because their customer service is not active
Affordable insurance coverage and reliable too.
The are really experienced in rendering of service to their customers and that's what distinguish them from others.
Wow that's awesome and amazing
Hundred percent legitimate and reliable.
Pretty good health insurance! It is highly recommended!
Descent enough health insurance company!
Pretty middle of the road, you can probably find better health insurance.
Pretty good health insurance company! Would probably recommend.
Pretty average health insurance! There are better choices out there!
Never have any problems with this insurance company
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