Sidecar HealthReviews of sidecarhealth.com

Going to the doctor with Sidecar Health brings nothing but anxiety and fear. They market it like the benefit is paid, but it may not be paid if it isn’t preventative. So you’re paying out of pocket for those services until your deductible is met. You can call them and ask, “will this be covered by the benefit amount?” They’ll reply, “we can’t say, it depends on how it’s billed.” If additional services are required as part of your care plan, you’ll need to stop in your tracks and call/message Sidecar to see if they cover or have another provider they prefer. So you likely don’t end up doing it, because that just makes a simple process complicated. If you have sidecar and need to use it, congrats, you’re now a benefits specialist. Prepare for reviewing paperwork and shopping for the best price. This healthcare puts roadblocks in front of your care plan and can completely derail it. If you need an X-ray and your doctor office provides it, you’ll have to tell them to send the order somewhere else. The nearest place may be 1 hour away. Then the doctors office is going to look at you like you’re an alien, because who does that?

All consumers should be aware that there is no way to cancel a policy online with sidecar. You have to physically call them and jump through hoops. I was a policy holder at sidecar for 1 year. I also applied for coverage for my son. His name appeared 3 times on the website and even though I called and asked why that was happening, it still was never fixed. I was being charged for a policy on the 3rd iteration of his name not the first or second. The interface was extremely confusing. I canceled my and my son’s policy in December of 23. But they were still charging for one of the 3 iterations of his name. I found out I was still being charged for a policy even though I cancelled by looking at my bank statement. I was being charged for months of service even though I never even recieved a policy debit card for my son’s account. Steer clear of this company. They wouldn’t even consider a partial refund even though their website had a glitch.

SideCar was a great option. They really had a new and interesting way of handling this difficult space. I supported them and talked to everyone I knew about it, encouraging them to try it too. Then suddenly they decide to drop all of the independent customers that helped them get off the ground. My plan cannot be renewed. No explanation. No alternatives. No support. No recommendations. Just 'bye bye' we don't want you anymore. I had no major claims over 3 years (average claim less than $50). And this is what I get. Huge mistake, I really thought this company cared and I feel foolish for believing that. For any companies reading these reviews, don't look at the overall score, look at the recent reviews. This company won't bat an eye, they will leave longstanding customers at the drop of a hat. They won't even 'grandfather' you in, they don't care. Is that the type of company you want to enter as your insurance provider? Facts are facts. If management wake up and decide to take us back, I will happily edit my review - I still hold out hope that they will realize their mistake.

They are dropping all of us and now we will be left scrambling to find a replacement health insurance. Thanks for nothing sidecar.

Management has made a huge mistake. Basically all the plans of individual members will be revoked at the end of the year. They’ve decided to only serve companies. My guess they weren’t turning a profit and losing money but they’ve made this decision out of desperation. They will lose all their individual customer base. And I will be forced back into bad and high cost insurance companies. I hope this company gets what it deserves bankruptcy. Messing with customers plans and biting hand that feeds you is never a good thing. Their days are numbered. So much for the future of health care I really had hope for them.

Don't cover expenses as they say they will. They continually increase cost. Not helpful

Customer service is very limited, and doesn't reply with answers, just more questions. You have to know the cheat codes apparently to get an actionable response. Did i mention they are SLLLLOOOOOWWW. This health insurance policy is ridiculously difficult to navigate and unorganized. Now someone wants to deny a RX. I pay more in premiums than coverage I receive and the time I waste submitting receipts and invoices, and getting nothing but demands for more paperwork back. Garbage. I don't need a full time job working for my health insurance company just to access coverage. thanks Chris

I would not recommend Sidecar at all. The price you pay, which in all reality is not much less than a plan from a big commercial insurer, is not worth the hassle and unrealistic allowed amounts per procedure/office visit that is set by sidecar. In addition, even if you hit your out of pocket max for the year, you will still be balance billed for any amount that is incurred for any type of visit that is more than the allowed amount. For example, I have reached my OOPM but had to have labs done at my doctors office. The “allowed amount” per sidecar for labs is $20 dollars but my labs at my doctors office cost $100. Because I did not leave my doctors office and drive with a paper prescription in hand 10 miles to the nearest Quest facility which is the only place near me that is at the allowed amount, I had to pay the difference of $80 out of my own pocket. One last thing to consider when considering Sidecar. You will be doing a ton of research prior to any type of visit to try and find pricing. Then after the visit you will have to submit all the claim information yourself. Your doctor does not submit claims directly to Sidecar on your behalf. You as the insured have to file and keep track of the claims yourself. So unless you have time for a second job literally just to visit the doctors office and hopefully it’s just you and not an entire family that has to deal with this, I would stay very very far away from this company.