Sidecar HealthReviews of sidecarhealth.com

Very happy with their service!

Looking to use this for inpatient mental health treatment. Has anyone used this for such? The place I want to go to is almost 40k a month. Would this cover such item?

Seriously the BEST insurance I've ever had. It's easy to understand. I can go anywhere. I can pick my coverage (healthy 28 year old, self-employed) and it's affordable. I'm not going anywhere.

I really wanted to like Sidecar and thought fixed indemnity sounded like a great alternative to the awful silver and bronze insurance plans I'd had in the past. How quickly were my rose-colored glasses removed. First off, good luck finding providers who charge anywhere close to the rates Sidecar reimburses. Real examples of my expenses: My bill - $364. Sidecar reimbursement - $73. My bill - $200. Sidecar reimbursement- $97. Of course they always show that you'll be reimbursed at a higher level and then find some reason (hidden in the medical codes on their backend, of course) to reimburse you at a lower rate. Ex. Their Estimate Benefit tool showed that I could expect a reimbursement of $292 for that visit that I was only reimbused $73 for. And my expected out-of-pocket for regular visits to one doctor was $40 instead of $103. To make matters worse, they take a while to run those mysterious codes that tell them how little they can get away reimbursing you, so I had a few of those $200 visits before I got the "whoopsies, we actually need you to pay a lot more than we told you you did" final expense messages. Also, I hope you are looking for a second job as a medical billing specialist if you go with Sidecar, because you will spend a ton of time on the phone with providers asking for special itemized bills that include the CPT codes and explaining "yes, I was self pay, BUT I have this weird quasi-insurance company that needs it and NO you can't bill them directly and it's totally not a scam even though it sounds like one." In summary, Sidecar works best if you think of it as an expensive discount card. You'll pay roughly half your expenses out of pocket, kinda like you would if you had, oh IDK, a high deductible traditional health insurance plan....but the latter would probably save you more if you got hit by a bus.

For someone who loathes the American medical industrial complex, Sidecar is a full breath of fresh air!

We are new to sidecar and have had a claim and couldn't be happier. They are the friendliest when helping navigate understanding things and uploading expense documentation. So far we love it!

I love being able to go out of network and not waiting for insurance company authorization. This is so easy to use. I’m glad I jumped in. M Dix

Sidecar Health has been a terrific experience. They’re knowledgeable, helpful, and caring. Love this company!