Sidecar HealthReviews of sidecarhealth.com

Sidecar was rough in the begining because you are literally doing all of the foot work for your health care. Having Sidecar adds steps to the process of getting medical care, BUT you are not limited to get care in just your state. You don't have a network you have to stay in. To me, this is huge. I am from Indiana but moved to Ohio for family. However, I have a rare version of heart failure. The man that saved my life and kept me alive in the ICU for weeks is the only cardiologist I trust. He is Indianapolis and I live in Columbus now. Sidecar covers these visits without issue. Where I go is completely MY CHOICE. With heart failure there are many prescriptions that are very high priced. Sidecar pays them all. I just have to swipe their card and upload a few pictures. The hardest part was learning how to use Sidecar properly. I would choose sidecar over traditional insurance any day. The freedom of choice is worth that to me.

The worst health insurance in North America!!!! If you value life, spend way less dollars somewhere else. From the name to the service to the awkward moments at the hospitals. it's all BS. Even if you are the type of person that doesn't usually get sick, still through this exhausting plan down the drain. RIP in advance if you have Sidecar Health.

Has been a good experience. Trying to explain to medical offices how it works is a little frustrating. Hope it gets better.

I'm extremely disappointed with Sidecar. Just as the name is called Sidecar. It is really a Sidecar that should be parked in an old garage. They have unscrupulous practices. They offer coverage for preventative care, but when it comes time to pay, they refuse to cover the full amount. Instead, they offer a preloaded payment card and expect you to choose their doctors and not your current doctor. Even worse, they instruct members to tell healthcare providers they are paying out-of-pocket, all to avoid the provider billing them at the standard insurance rates. This is incredibly deceptive and puts customers in an awkward and potentially dishonest position. Preventative care should be fully covered, as promised. Encouraging members to misrepresent their insurance status just to cut costs is not only unethical but could also have legal implications. This behavior erodes trust and defeats the entire purpose of having insurance in the first place.

My experience with Sidecar has been great. My ONLY gripe is that some manufacturers’ drug coupons require proof that insurance is covering some part of the meds, and because of how Sidecar works, it looks (on the payment side) like they’re not so it makes some coupons unusable (usually the VERY high-savings coupons - I could save something like $2000 a month on my migraine meds, but I can’t use their coupon because it appears like I am self-pay), and I feel some of their reimbursements are on the low end for my area (though I’m usually within an amount that would be a typical copay). However, I also did NOT have to jump through any hoops for my migraine meds, which are very pricey. The “no prior auth” situation has been amazing for me. Likewise, I have employees who need some EXTREMELY pricey medications, and those meds have been covered without issue, and without cost, to the employees. It’s worth noting, we have a first-dollar coverage plan.

Using this insurance can be frustrating at times, particularly because many expenses such as surgeries, ER visits, and alternative therapies like TMS aren’t covered unless the deductible is met. That said, the **customer service is outstanding**, and I’ve consistently appreciated the agents’ candor, patience, and helpfulness. This insurance is especially valuable if you take high-cost medications that are essential for managing chronic health conditions. These medications can be prohibitively expensive without coverage, so having this insurance can make a major difference. It’s also helpful that they offer **flexible financing and payment plans**. For example, a \$7,000 ER visit was reduced to around \$2,000 with their help. When I asked about using hospital financial assistance (based on income), they supported the idea and confirmed that it would still count toward my deductible. Another feature I appreciate is the **cash-back benefit** if I pay less than the estimated benefit amount for a medication, I receive the difference as cash back, which I can use toward future copays. That has been a welcome surprise. I’m especially grateful to **Javier and Rebecca**, who assisted me today. Thank you both for your clarity, kindness, and never being condescending while explaining complex information. One caution: if you’re seeking mental health care through **Tava Health**, be aware that they may reject your case if it's considered too complex. That experience can be frustrating, so it’s something to keep in mind. Overall, while the coverage limitations can be challenging, the level of **support and service** from the team truly stands out.

Sidecar is garbage they refuse to work with me to cover my medicine that has been prescribed by my doctor for a serious health issue and every time I send the documentation to prove to them what it’s for they find another excuse not to cover it… if you are looking for good insurance and someone to cover your medication that’s very important look else where side car is not it

Sidecar is a new way to pay for healthcare, and it can be a little daunting to use at first, but after you get the hang of it, it is fairly easy to use with the added benefit really great customer service help if you need it. We have had to talk to a real person several times and every time we talked to a real person who was based in the US and always within 5 minutes or less