Jodi
So prompt and easy!!!
So prompt and easy!!!

Sidecar Health is an ACA-compliant employer sponsored major medical plan with no networks, no prior auths, and no surprise costs.
Sidecar Health (sidecarhealth.com) has 445 customer reviews on Five Star Index, with an average rating of 4.2 out of 5.
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Jodi
So prompt and easy!!!
Haley W.
Sidecar Health has been literally a Godsend for us this past couple of years. My family and I have been through hardships with our health and had the potential to put us in great financial debt. We used sidecar in addition to traditional insurance and it was an absolutely wonderful experience. Sidecar is efficient, clear, generous, and the staff is also easy to communicate with. We have told SO many people about Sidecar and what a blessing it's been. Thank you, Sidecar, for helping me and my family is our time of great need! Haley Woodrow
Stephen B.
Medication does not show up on smart phones, you need medicine and spend a day trying to find it for the right price. Sidecar is making the person do all the work or it will cost you money and you might have to drive 20 miles to get it. Don't like it at all!
Response from Sidecar HealthFeb 20, 2025
We’re sorry to hear you had trouble finding your medication. Our goal is to make accessing affordable care as simple as possible, and we appreciate your feedback. If you ever need assistance with Care Search, our Member Care team is happy to help. They can provide pricing options, locate nearby pharmacies, and answer any questions about using your member portal. Please don’t hesitate to reach out—we’re always here to help.
Janice K.
The resolution of concerns. Explanations of how benefits would be applied.
Karen C.
How can they say this coverage is ACA compliant when it’s an Indemnity type policy? They say you can use any provider but most Doctors don’t take cash or self pay. They say they reimburse you based on their rates but the rates are unavailable. It is not transparent so you have no idea what services will be out of pocket. This type will insurance makes me feel overwhelmed trying to find out the cost in advance and how to get prior approvals. I am concerned about being vulnerable to going into medical debt and not getting the care I may need due to cost. It is hard to get a benefit coordinator to help. I rather have coverage under an ACA plan that is transparent.
Response from Sidecar HealthFeb 7, 2025
Sorry about your experience. Please be assured that Sidecar Health is not an indemnity plan. We are fully ACA-compliant major medical insurance. We pay the average cost for any care wherever you live, and if you choose to spend less, you get to keep half the difference. These prices are displayed on our web app, and 90% of the time, our members in 44 states are either getting money back on their doctor's visits or paying the equivalent of a small copay. By empowering our members to shop smart, we're able to keep costs lower than legacy health plans. When it comes to paying for care, virtually all doctors take credit cards just like the one we gave you, and we can help explain that to them. If you ever run into questions, our Member Care team is happy to join a three-way call with you and your provider to get the information you need. We hope you'll give us a chance to help you with your experience.
Samm
Great 'Insurance' that incentivizes getting a discount and looking for the best price. I'm very happy. I've only ever had one issue and they resolved it the same day. They are very happy to explain anything or answer any questions.
Liv
Amazing health insurance. Actually makes me go to the doctor because I have all the control and make great connections with my providers due to this insurance. I love it and it helps me make my appointments and find doctors/ prescriptions that will save me money :)
Dawn
Finding Dr's and Pharmacies under Sidecar allowed prices is impossible. I am on 5 meds and they suggest using 3 different Pharmacies splitting my meds between them. One if those Pharmacies was 67 miles from me. So I chose to get all 5 meds at a single Pharmacy. They paid the $48 upfront. I reimbursed the $48. They inform me only $27 of that will be applied to my deductible because that's how much they will cover. First of all, my deductible has not been met so I am responsible for 100%. I paid $48 out-of-pocket, $48 should apply to the deductible! SCAM!!! Easy way to make sure someone doesn't hit thier deductible I guess. UPDATE: IT IS NOT TRUE THAT MY PRESCRIPTIONS WERE UNDER WHAT YOU COVER. I PAID $48 AND YOU ONLY APPLIED $27 TO MY DEDUCTIBLE. I HAVE PROOF FROM YOUR OWN APP.
Response from Sidecar HealthJan 21, 2025
Thank you for taking the time to share your experience. We understand how frustrating it can be when things don’t go as expected, and we’re here to help. It sounds like you have an HSA plan, so prescriptions don’t skip the deductible. Since your medications were obtained below the Benefit Amount, the portion applied to your deductible reflects what your plan covers. We understand our Member Care team is already in the process of helping you locate pharmacies to ensure the process is easier going forward. If you have any further questions or concerns, please don’t hesitate to reach out — we’re here to support you.