Sidecar HealthReviews of sidecarhealth.com

Sidecar health are nothing but lies!!...they claim "no prior authorizations....your doctor decides not your insurance company"...that is from their brochure....yet they denied my daughter's procedure which was approved by other insurance companies

Sidecar is gaslighting everyone to get on board with their NEW concept in health care. Don't fall for it. Dealing with Sidecar is challenging. It is the most frustrating company for Insurance, potentially the worst insurance company I have dealt with in my life. And I had to deal with the VA for my father's care. The mental toll it has taken to deal with them. Tonight I just want to cry!!! Nothing is transparent, except how difficult it is to deal with them. Doctors sometimes do not take CASH. Surprise bills, yup, have them and Sidecar will not cover bills, so now I have to pay ( will be above what a co-pay would have been). Almost every bill is a struggle to get a claim. I have a stack of paper sitting next to my desk, with issues from basic to complex care. Sidecar will not send anything via UPS mail; they have no way to do this ( fact) I had to request, and they need to go through their lawyers to see if they could ( What, never heard of this, I just wanted paper bills and forms, etc). Nothing is easy or simple with Sidecar. 6 months just to resolve a normal doctor appointment. Even a lost card that was used by someone else took months to resolve. My surgery was canceled at a surgical center *due to a medical issue. This is understandable. Surgery now needs to be at a hospital. Sidecar wanted PROOF why! I got that proof in records, letters, and reports. (Life-threatening issues were not enough in the records.) It took many calls, emails, and driving to providers and hospitals to get records, as some records couldn't be found on online portals. After weeks and providing everything I could get my hands on, SideCar has denied my surgery at a hospital. The surgical center will not do the surgery., I have that in a physical official letter. I spent $$$ and time to get this surgery done, and without it, my mobility will be limited. Living on painkillers and not being able to do simple things like getting groceries is going to happen soon. Earlier this year, it was impossible to get around. I'm not old!!! I'm the one you look at in the Handicap space and comment Why does she need a handicap spot. Till you see me walk... This is NOT INSURANCE. Sidecar is a SIDESCAM. Customer service is uneducated, one rep's last job was an UBER driver (no dish on that it's a reality in the job world). The work you need to put in for the claims is a second job. Someone (Patrick Quigley) Sidecar has found a loophole in the ACA to get in. Patrick Quigley, by the way, is a tech guy, as with most tech, it's about the money. he and his company are not out to keep you healthy, they are here to make MONEY! Their advertising is slick, but in no way let that sway you into enrolling. Read reviews. Sidecar has bots all over, esp Reddit. Find real reviews from real customers as to real experiences. Go with a company for your Health care that has a track record, and not one that is a tech start-up and NEW to the game. Normal traditional health care companies have their challenges, but they pale in comparison to SideSCAM Response: The claim that " doctors do not take cash from Sidecar is incorrect. I have proof and receipts (Broken messages threads from Sidecar) that some doctors will not take cash, self-pay. With normal insurance, you would pay with a CC, and doctors do take that for payment of a co-pay. As to the Hospital, I only received a PREAPPROVED for TWO hospitals, not multiple hospitals. ( have proof. These two hospitals are the only ones where the doctor practices. As far as choice, I do not have a CHOICE, as I'm on a wait list for a cancellation. My surgery was canceled at a surgery center due to medical complications. One hospital is covered, the other is over $37,000 out of pocket after the deductible. Again, I do not have a CHOICE, I get the call and surgery is scheduled. Working days & weeks to get and submit records, letters, and calls to doctors, providers, and hospitals. Even an SC informs me I have to go to a surgery center, which I can not, they will not do the surgery due to risks. WHAT?? Tranpancey, you will have surprise billing; costs are not on the website or app. Fact: Even on the app, you can't view your policy. Messages have been deleted, and are missing between SC and me, on the website and app. I'm unable to go back to the beginning of message threads. (app and website). Have proof! You will need preapproval. "NOT ALL DOCTORS DO SELF-PAY". SC reps are not educated in HEALTH Insurance state law and regulations. Many services and procedures are not searchable on the site to get costs. Even if you find a service, it's very vague as to what SS will cover There is no saving when the amount of work is HOURS and WEEKS, and you are still paying exorbitant costs out of pocket. NOT ALL DOCTORS WILL DO SELF-PAY!! SC reviewed my case. Complaint 11/3 was after the review rec FRI 10/30. SC, get your act together. Stop the gaslighting

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.

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.

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

I have Sidecar Health Employer Insurance Plan and per the policy document, all Preventive services are exempted from the deductible and the entire fee under Preventive services are to be covered by Sidecar if one of their preferred providers are used for the services. I went to Southeast Medical Group (1800 Northside Forsyth Drive, GA 30041) for my annual wellness check on 5/7/2025 which is one of the preferred providers listed on Sidecar website. The doctor's office charged me an initial co-payment of $150 upfront at the time of visit and suggested the outstanding amount will be determined after the service and will be sent as an itemized bill through postal mail to my home address. I received a statement from doctor's office on 5/16 per which had the outstanding amount owed as $427.18. I made 2 different payments to doctor's office of $150 on 5/7/25 and $427.18 on 5/16 and submitted the itemized bills and receipt of payments on Sidecar website for reimbursement. Sidecar is now denying the reimbursement claim of $150 with the explanation that they only reimburse one claim per visit. This is clearly a fraud because both the expenses submitted are for a single visit for which doctor's office generated 2 separate bills. The total amount of the service as it shows on the itemized bill received on 5/16 is $577.18 which was split between $150 at the time of visit (5/7) and remaining $427.18 (5/16). Sidecar Customer care agent declined to offer any help in resolving the issue here and I am being asked to pay the outstanding $150 to Sidecar.

Depending on your doctor you will love or hate this insurance. I’ll let you in on our experience with it. My doctor is great and they give me the paper work I need to submit to sidecar. With my spouse it’s a different story and while he works a full time job with long hours (me as well) we’d have to spend what little spare time we did have submitting to the insurance. Sometimes (in his case) the doctor didn’t give him everything needed. I held off on mammograms and a needed cancer screening (since my sister was diagnosed with cancer I needed this) because trying to get an appointment and shopping for a testing site and prices based on what side car would cover was like trying to find a needle in a haystack. I’d need to pay 3k out of pocket for the cancer screening alone. This was via my husband’s work and it felt like we were employees of sidecar too and not in a good way. One of the reasons my husband left his company was due to pay, but the other big issue was this insurance. So if you’re interviewing for a job and you find out this is the insurance they offer run. It was such a pain in the neck to make sure everything was submitted. Crazy when I’m deathly sick the last thing I want to think about is taking a picture of my receipt for my prescription to submit to insurance.

This is terrible insurance. You have to constantly go back and forth gathering billing lists with codes to submit. Most of the time they say ypu have have the wrong paperwork and you have to constantly go back and forth. I would much rather pay 10 times as much fkr good traditiinal insurance. As muxh leg work as ypu end up doing they should be giving you a paycheck. I really cant believe my employer, which is in the healthcare industry, would provide this garbage to its employees