Sidecar HealthReviews of sidecarhealth.com

Highly recommend this company! I have had insurance with leading commercial companies and though it was employer paid, it was and HMO with high deductible. I went part time, 24 hours a week and become ineligible. I also run my own business and came upon Sidecar while searching for an answer. The marketplace options were absurd for what they offered. I am so glad I lost my other coverage, this is so much better!

I have been using Sidecar Health for several years now. I love the way I can customize my plan to suit my needs. The first few years, I had a lower deductible and received benefits for the care I received. The last couple of years, I raised my deductible to lower my monthly premium and found that I still had the peace of mind that I was covered in case of a catastrophic illness.

Ever since getting sidecar health it has been the easiest, trouble free, no BS health insurance I have ever had. There is just simply no problems with the process. I go to whatever doctor I want Pay at the end of The Visit like it's cash with the side car Visa and they automatically take my 20% out of my bank account and the 80% goes on the side car Visa. Uploading the bill on to their invoice website is extremely easy I just take a picture And it loads and I'm done. They even credit you back if they pay more then what I paid for a certain service at a certain practitioner without even asking. Another great advantage to having sidecar is I am still able to use savings apps like good RX for prescriptions.I would recommend sidecar to anyone.

In the beginning it's tricky to get the hang of how this works, but after 3 years of being self employed and using sidecar, I got the hang of it. The trick is to call ahead and ask the place were you are going to tell you how much the service/procedure costs for self pay rate and its CPT code. They often question you for asking about the CPT code since it's self pay, and I always end up saying that it's self pay from a HSA (health savings account) and my HSA only approves the transaction if the invoice has the CPT code on it. After I started using this method to request info from a provider, I never got questions about why I'm asking for the CPT code. In all sincerity, some services/expenses Sidecar pays very low compared to what it actually costs (most of the time I found it to be labs/MRI/CTScans), but if you are great at calling around and researching good and not overpriced places to go, at the end, it ends up that it evens it out. I pay around $225/mo and I feel more in control of this health plan than paying for a regular insurance and getting billed an amount that I had no say over. I guess my overall thought is that it works, however, it only works if you are willing to put in the work to call ahead and do a ton of research before settling with a provider... And also be patient because often providers do not give you CPT codes right away.

I appreciate the quick and courteous customer service. Also I got a nice surprise, a credit for part of an expense that fell below what they expected to pay.

Cutting out the "middle man" with big Insurance and their partnership with drug companies has been easier to navigate than I expected. The Website has been easy to use. And both the chat feature and calling the help phone number has yielded immediate assistance. So far I have cut my prescription drug costs in half by using RX gold. I pay $10 per month for the service, but it cut my costs so much that even factoring in that cost I will probably cut my out of pocket costs by 2/3 at the end of 1 year.

It is very quick and easy to chat with a customer service rep by phone or virtually on the website. Every time I have questions, I can get answers within minutes!

I understand that I'm paying way less than a normal insurance plan because I don't get quite as much coverage etc... but I just took my kids to the doctor for their wellness checkup, one kid got a couple shots, and not only was it free, but I got paid 160$ because I was charged less than SideCar's reimbursement amount.. Amazing :)