Money and eligibility

Most patients are not buying a visit. They are opening a year.

In-network, Oshi bills a year of unlimited team care instead of every Zoom. Out-of-network, visits are $150. Medicare and Medicaid are not accepted. Confirm your plan when you book.

Check coverage and book → Commercial insurance or $150 self-pay · HSA/FSA eligible

In-network, the way they describe it

Oshi partners with employers and health plans. They say they are in-network with most major commercial insurers, with the network still expanding. Public logos include Aetna, Blue Cross Blue Shield, Cigna, and UnitedHealthcare.

The billing model they advertise is outcomes-oriented rather than fee-for-every-Zoom:

Most covered patients receive 12 months of unlimited team-based GI care.
Insurance is typically billed for about four in-network specialist visits across that year.
Your ordinary copays and deductibles still apply, plan by plan.
They bill in stages through the year, not as a surprise after every chat.
Outside labs, imaging, and prescriptions follow your plan’s usual rules.

If a statement arrives, Oshi says you get email plus a paper statement with online or mail payment options. Care coordinators exist to walk coverage so you are not decoding CPT codes at midnight.

Not in-network, or paying yourself

Oshi lists self-pay at $150 per visit. Services are described as HSA and FSA eligible for most people — confirm with your administrator. If you have out-of-pocket costs, they say they offer flexible payment plans.

That $150 is a clinic visit price, not a supplement club. Compare it to a specialist copay plus a half-day off work plus parking, and do your own arithmetic.

Who they will not see

Two gates, stated on almost every Oshi page:

You must be 18 or older.
They do not currently accept Medicare or Medicaid.

If either line describes you, do not start an intake — Oshi will not be able to see you.

Care typeVirtual GI, all 50 states
Ages18+
Medicare / MedicaidNot accepted
In-network year~4 specialist-visit bills, unlimited care
Self-pay visit$150 (as published)
Tax-advantaged accountsHSA / FSA eligible

What you are paying for, if the plan fires

A year is supposed to include the GI provider, dietitian, and/or gut-brain specialist as needed; care coordinators; the app; unlimited messaging; on-demand scheduling; help with records and external testing. Traditional care, on their comparison table, usually lacks the integrated team, the next-day nights-and-weekends inventory, and the 24/7 chat.

None of this deletes your deductible. None of this makes an out-of-network lab free. The honest move is to enter member information in Oshi’s own coverage checker when you book.

Enter your plan and book → What the year includes

Coverage questions, answered without poetry

Will I get a bill after every appointment?

Oshi says no, not in the usual per-visit way, if you are in the insured year model. You can still owe copays or deductible amounts associated with the visits they do bill.

Can I use HSA or FSA money?

They say yes for copays, deductibles, and related clinical costs for most patients. Your administrator has the final word.

Does Oshi pay for my colonoscopy or MRI?

External services run on your insurance the way any referred test does. Coordinators help you find an in-network site. They do not turn a hospital bill into a $0 coupon.

How do I know my employer included Oshi?

Some employers add Oshi as a benefit. Some plans are simply in-network. Enter your member information in the onboarding coverage step to see yours.