Sidecar HealthReviews of sidecarhealth.com

This company has found a loophole within the already existing loophole of healthcare within United States. They know, coats of healthcare are already high and increasing, leaving employers (plan sponsors) and employees (members) looking at options to find better, affordable healthcare and insurances. So they are playing game on this emotion. They would say you can go to any doctor, don’t need any pre-approvals or pre-authorizations. But guess what? Even though they charge almost as much as traditional plans, they would pay you fraction and call it a day. If a doctor would bill you for $100 and agree to take $80 in cash, Sidecar often would say their cost is $40, now guess what? You as a patient/member have to stiff remaining $40 from your pocket. They are LEGAL THEIVES AND STEALING!! Now sure how ACA or Obama allowed this?

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!

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.

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.

Side car health is worse than Obama care!! The want you to treat your health care like buying a car. When your medical bill is higher than what they "deem" acceptable it comes straight out of pocket and is NOT applied to your deductible. You would be better off putting the premiums in an acct. and self pay, thats what your doing anyhow. It doesn't seem legal how they conduct business and in the future it may be proven that they aren't.

0 stars!! DO NOT GET Sidecar health!! Not only did Sidecar health tell me my therapy would be covered only to reject all of my submitted receipts, they took $1700 out of my account with NO heads-up! When I called to see why, they told me I was automatically enrolled in auto pay?! Um I did not consent to that. They said because I was auto enrolled I would not be given a reimbursement. I was willing to pay with a credit card etc. but they continuously said it was my fault! I have filed fraud. Sidecar health is a joke, they make you submit your own claims like you are a part time insurance agent and on top of that lie about your coverage! They try to pull you in with “nothing is out of network” but that’s because they don’t have a network and can pick and choose what they accept! It’s a complete disgrace. I will also be contacting the better business bureau. If you have sidecar health or even hear the name uttered in your direction, run from this pestilence of a “company” as fast as you can!

I noticed a payment on my Sidecar Visa card got declined last week and went to investigate today. When I logged in, you can imagine my surprise when I saw that my policy had been canceled. I spoke to support and apparently they had sent a request for additional information a couple months ago. I never responded. After digging through my email, I found it. But nowhere in the email does it mention that my policy was at risk of termination. After talking about it more with support, I did find mention of the termination risk. In an attachment. At the bottom of the second page. YOUR POLICY WILL BE CANCELED IN 30 DAYS should have been the subject of the email, the first thing in the body of the email, and the first thing in the attachment. Not buried at the bottom of the second page of the attachment. When I volunteered to submit the information they had requested, they said they couldn't reinstate my policy. For reference, here's the entire text of the email they sent me: Subject: Additional Information Needed Hello, Please see attached regarding an ID Verification Request from Sidecar Health. This document has also been uploaded to your documents section in your member portal. If you have any questions, please feel free to reach out. We are happy to assist.

Up until last year, I had used this insurance a few times after having the policy for over four years. For the past four years, I had the insurance and never went to see any doctor—they were happy to keep taking my premium. Last year, I went to the eye doctor and had physical therapy, and everything was fine—the policy reimbursed me. Then suddenly, they started declining my expenses and made me pay for the deductible. They aren't covering certain procedures they did before, even though it is the same. They changed the rules, so I'll be looking into that. When confronted, they find excuses to not pay. If you don't want to pay, you should not collect the premiums. I no longer recommend this insurance to any doctors or friends. I used to say this is how insurance should be, but now it’s just a policy I’ll keep until I move away. They do their best to avoid paying, and they no longer pay on time either. Every expense takes more than three weeks unless they are declining it. If they aren't covering certain procedures, why are they listed in their search? It’s just a trick to get you to buy the insurance.