If you’ve heard about Oak Street Health, you probably already know it’s one of the fastest-growing primary care providers for older adults in the United States. Their clinics focus on seniors, especially those covered by Medicare. But one of the most common questions people ask before joining is, “What insurance does Oak Street Health accept?”
In this article, we’ll break down everything you need to know about the insurance plans Oak Street Health accepts, how their coverage works, and what to consider before choosing them as your healthcare provider.
What Is Oak Street Health?
Oak Street Health is a network of primary care clinics built to serve adults on Medicare, particularly those who need consistent, personalized healthcare. Founded in 2012, the company now operates hundreds of clinics across the U.S.
Their focus is on preventive care, meaning they don’t just treat you when you’re sick — they work to keep you healthy all year long. Oak Street Health doctors spend more time with patients, help manage chronic conditions, and coordinate referrals to specialists when needed.
Unlike many traditional clinics, Oak Street Health also provides transportation to appointments, same-day scheduling, and 24/7 phone support for urgent health concerns.
The Short Answer: What Insurance Does Oak Street Health Accept?
Oak Street Health primarily accepts Medicare and Medicare Advantage plans from a variety of major insurance providers.
Their network of accepted insurance companies may vary by location, but generally includes:
- Original Medicare (Part A and Part B)
- Medicare Advantage Plans (Part C) from major insurers such as:
- Aetna
- Humana
- UnitedHealthcare
- Blue Cross Blue Shield
- WellCare
- Cigna
- Anthem
- Molina Healthcare
- Devoted Health
- Clover Health
- Centene
In some regions, Oak Street Health also works with dual-eligible plans, which combine Medicare and Medicaid for people with limited income.
If you’re unsure whether your plan is accepted, Oak Street Health offers a free insurance check on their website or by phone to confirm eligibility.
Does Oak Street Health Accept Original Medicare?
Yes. Oak Street Health accepts Original Medicare (Parts A and B). That means if you have standard Medicare coverage through the federal government, you can use it to receive primary care services at any Oak Street Health location.
However, many patients choose to pair their Medicare coverage with a Medicare Supplement (Medigap) policy or a Medicare Advantage plan, since these may offer lower out-of-pocket costs or added benefits like dental, vision, or transportation.
Does Oak Street Health Accept Medicare Advantage Plans?
Yes — and this is actually their main focus.
Oak Street Health accepts Medicare Advantage plans (Part C) from top insurance providers across the country. These plans are offered by private insurance companies but approved by Medicare. They usually include extra benefits like:
- Prescription drug coverage (Part D)
- Dental and vision services
- Hearing aids
- Wellness programs
- Transportation to medical visits
Oak Street Health partners with leading Medicare Advantage providers like Aetna, Humana, UnitedHealthcare, Cigna, and Blue Cross Blue Shield, among others.
Because each clinic’s partnerships can vary by location, it’s best to call your local Oak Street Health center to confirm which specific Medicare Advantage plans are accepted in your area.
Does Oak Street Health Accept Medicaid?
Oak Street Health focuses primarily on Medicare patients, but in some cases, they accept dual-eligible plans, which combine Medicare and Medicaid coverage.
These plans are designed for individuals who qualify for both programs due to income or disability status. If you are dual-eligible, Oak Street Health may be able to provide care through a Dual Special Needs Plan (D-SNP) offered by insurers like WellCare, Humana, or UnitedHealthcare.
However, standalone Medicaid (without Medicare) is usually not accepted at Oak Street Health clinics.
Does Oak Street Health Accept Private Insurance or Employer Plans?
No. Oak Street Health does not accept traditional employer-based or private health insurance plans. Their model is focused entirely on Medicare and Medicare Advantage coverage.
This allows their clinics to specialize in senior care, build long-term patient relationships, and coordinate benefits through Medicare-focused programs.
If you’re under 65 and not on Medicare, you would not qualify to become a patient at Oak Street Health.
What Services Are Covered by Oak Street Health Insurance Plans?
The exact coverage depends on your specific plan, but in general, Oak Street Health provides full primary care services that are covered under Medicare or Medicare Advantage, including:
- Annual wellness visits
- Preventive screenings
- Chronic disease management (diabetes, high blood pressure, heart disease, etc.)
- Immunizations and vaccines
- Lab tests and diagnostics
- Care coordination and referrals
- Telehealth appointments
- 24/7 access to care teams
Many Medicare Advantage plans accepted at Oak Street Health also include vision, dental, and hearing coverage, as well as perks like gym memberships or transportation to appointments.
Why So Many Seniors Choose Oak Street Health
There are several reasons why Oak Street Health has become a popular choice among Medicare recipients:
- Longer Appointments – Doctors at Oak Street Health take the time to listen. Typical visits last 30 to 40 minutes.
- Personalized Care – Every patient gets a dedicated care team, including doctors, nurses, and health coaches.
- Preventive Focus – The goal is to prevent hospital visits by catching issues early.
- Free Transportation – Many clinics provide free rides to and from appointments.
- Same-Day and Next-Day Appointments – No long waiting times for care.
- Coordinated Specialist Referrals – They help manage communication between you and your specialists.
All these benefits make Oak Street Health a reliable and supportive option for seniors who want a more personal healthcare experience.
How to Check if Oak Street Health Accepts Your Insurance
To find out whether Oak Street Health accepts your insurance plan, you can:
- Visit the Oak Street Health website – Use their “Check my insurance” tool to search by ZIP code and plan type.
- Call a local clinic – Speak directly to an enrollment specialist who can verify your coverage.
- Call your insurance company – Ask if Oak Street Health is an in-network provider for your Medicare Advantage plan.
This step is important because accepted insurance can vary slightly depending on the state or city where the clinic is located.
How to Enroll in a Plan Oak Street Health Accepts
If you’re not yet covered by Medicare or a compatible Medicare Advantage plan, you can easily switch or enroll during these periods:
- Initial Enrollment Period (IEP) – When you first become eligible for Medicare at age 65.
- Annual Enrollment Period (AEP) – Every year from October 15 to December 7, when you can change or switch Medicare Advantage plans.
- Special Enrollment Period (SEP) – If you move, lose coverage, or experience certain qualifying events.
Oak Street Health also has licensed insurance agents who can help you compare and choose a Medicare plan that works with their clinics — free of charge.
Final Thoughts: What Insurance Does Oak Street Health Accept?
To sum it up, Oak Street Health accepts Medicare and Medicare Advantage plans from major insurers like Aetna, Humana, UnitedHealthcare, Cigna, and Blue Cross Blue Shield.
They may also accept dual-eligible Medicare-Medicaid plans in some areas, but not standalone private or employer-based insurance.
If you’re a Medicare-eligible senior looking for a doctor who takes time to know you, provides personalized care, and accepts your insurance, Oak Street Health is a great choice to consider. Always check your local clinic’s accepted insurance list before scheduling your first appointment.