Sidecar HealthSidecar Health is an ACA-compliant employer sponsored major medical plan with no networks, no prior auths, and no surprise costs.
Sidecar Health (sidecarhealth.com) has 445 customer reviews on Five Star Index, with an average rating of 4.2 out of 5.
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Michelle S Fort M.
Sidecar Health is so much better than my previous insurance. It might seem intimidating but once you try it you realize how easy it is to use. Anytime I’ve used the chat they’ve been super helpful. You can look up just about any doctor, prescription or illness and figure out where you want to go without limitations.
Amber F.
Helping me save money. I was really nervous when we first started with Sidecar, but so far it has been a positive experience and I've saved money.
Yasmina
Probably the worst service I’ve ever had to use. My job has us use this platform which has been such a mistake on their end. For those who frequent the dermatologist, Sidecar’s whole process is a pain. Their customer service lacks tools to solve any issue and will mark the case as resolved when it’s not. They tell you what you have available to spend on the app but no way to put it towards appointments because no doctor has ever even heard of sidecar. On top of that I’m now getting billed out of pocket to pay the same amount my appointments would be without insurance at all. It’s really a pointless organization. Update to response: It’s amazing to me that you have the time to respond to reviews but not your actual customers on the app. In regards to “guaranteed price” that is untrue and I have screenshots of when I booked a service with a urgent care that stated I’d pay a certain price, when it came time to swipe the card, guess what? The amount was not that amount on the app… there were still more fees. Almost every healthcare facility has no idea what sidecar is and agrees it is a mess of a company.
Response from Sidecar HealthJun 16, 2026
Sidecar Health has no provider network — members shop for care in the app, see exactly what they'll pay before booking, and that amount is guaranteed — even if the provider charges more or adds on common services. Members pay providers directly using the Sidecar Health Visa, accepted at any provider that takes credit card payment — virtually every doctor in the country. If they take Visa, they take Sidecar Health. Like any health insurance plan, employers can opt to have a deductible. Non-preventive services apply towards it before the plan begins covering its share — this is standard on every major medical plan, legacy insurance included. Members can see exactly what the plan covers for any service before they ever book an appointment, and that amount counts towards the deductible.
Sandi G.
Very easy to navigate and customer service is very helpful.
Joe G.
Sidecar is a terrible company and not helpful when you question. They fail to pay for doctor requested testing needs, they barely cover bloodwork when required by a doctor and they are zero help when you ask how to communicate with our doctor because we don’t know and they say sorry can’t help you there. This is a terrible service and nothing but building frustration. You are much better off taking the money you pay Sidecar monthly and negotiate with your doctors, you will save. Just go to an insurance company for hospitalization coverage for large expenses. These people are out to rob us.
Response from Sidecar HealthJun 11, 2026
Sidecar Health covers labs and bloodwork, along with all other medically necessary care — over 99% of claims are approved. Like all insurance plans, members pay for care until their deductible is met. With Sidecar Health, shopping for care is what keeps costs low — and it's core to how the model works: members see transparent, guaranteed costs in the app before they go, and keep half the savings when they choose care below the Benefit Amount (the amount the plan pays — set to the local average cost in every market). That's how we eliminate networks, prior authorization, and the other traditional barriers to care. For labs specifically, Quest Diagnostics and LabCorp are guaranteed to be at or below the Benefit Amount, meaning members won't owe more than their deductible, and have the opportunity to earn money back. Over 80% of lab claims cost members nothing or earn money back — $40 on average. Most members find it simple to talk to their provider about Sidecar Health. Members tell their provider it's a new kind of insurance, they'll pay directly with a Sidecar Health Visa card, and they'll need an invoice. If members need extra support they can always reach out to Member Care who will get on a three-way-call with them and their provider.
Mersadeez P.
This is an update after Sidecar responded and said I still have active coverage with them locking my card. I can’t be seen at the Urgent Care because they are not in network. I can’t only use my ID card to go to the ER which is a waste of resources and money!!!! I have been sick for weeks don’t know what is wrong and I pay for insurance I can’t use.
Response from Sidecar HealthJun 5, 2026
The concerns raised here are the same ones addressed in our response to this member's previous review. Sidecar Health is a network-free health plan — members can visit any urgent care, specialist, or other licensed provider of their choosing. Some providers bill Sidecar Health directly. At those locations, members simply show their member ID card and no direct payment is required at the time of service. These providers can be found in the Sidecar Health app. At all other providers, members pay using their Sidecar Health Visa card at the time of service. If a payment card has been locked it is typically the result of suspected fraud, unauthorized use, or charges outside the plan's covered medical expenses. Members can always pay with a personal payment method and submit for reimbursement up to their Benefit Amount, subject to their deductible status. A locked card never affects a member's coverage or ability to seek care.
Marcelino M.
It helps pay off medication that is expensive and this is a good thing since I need it a lot
jennifer F.
I haven’t had to use the services very much yet but so far it’s working well for me. Is it a little more work sure, but it’s super easy to submit invoices. It’s easy to get on touch with a live person and they have always been very helpful. I am very satisfied with Side Car Health.
