Sidecar HealthReviews of sidecarhealth.com

So when I went to go get the mammogram, the first part of it was covered, and when they came back inconclusive, I had to go back for two more mammograms, which were not covered, but they might be covered because of the type of mammal that’s given there’s not much help when it comes to figuring this out on your own it makes you to the point where you have to call up there and ask for help which the staff is super friendly but this is something that I would’ve liked to have figured out on my own. And I’m really confused why you would not cover a diagnostic or ultrasound mammo. But that’s fine. Than I got denied for the paytient card that I was hoping to help me pay

They have developed a great concept but it needs fine tuning, sooner rather than later. I love that I can see the provider that I want, no referrals. However, figuring my out of pocket costs and navigating my policy overall can be a challenge. Additionally, it takes too long to get answers to questions. Staff is very nice, but sometimes I don't get accurate information and that can be costly. Be caution about communication that includes the words "likely or probably." Their app/website is tries to be user friendly but I think it needs improvement in providing more clarity based on my specific policy. It can be time consuming to navigate, but the cost savings can be the trade off. I suspect the company may be growing too fast and they just can't keep up. I give them regular feedback. They've yet to respond. The company has great potential. To help offset the cost of labs, I would encourage members to use/join Function Health. For a few hundred dollars a year, you can get a monster size lab draw and clinical feedback that can help you save on your SideCar/medical costs. Not sure if my employer will stay with Sidecar. A preliminary 6 month review shows it is saving my employer money and usage is down. However, employees may not be getting the health care they need because the system is not as easy to navigate or they just don't have the money. And that can lead to more expensive health issues down the road. This is why SideCar needs to make their product more user friendly ASAP. Would love to see SideCar make themselves available to or create a group for those who are independently insured. It should not just be employer based.

Too many document to upload every time. Too much time searching for different pharmacies to get prescriptions through different places makes it more difficult to handle it.

Most insurance companies that I have had will do the extra work for you, which creates peace of mind. You simply inform people of your insurance and then it's billed. I dislike the extra work that I have to do of requesting a coded bill (which most will not give you right then and there) and then remembering to submit the bill in a timely manner.

I love my sidecar insurance, and the whole idea, but using it is a different story. Most doctors offices I go to do not know how to deal with fee for service. They don’t want to have to deal with me paying upfront they want to bill me, and it is sometimes an ordeal to get my payments and receipts. It happens more often than not.

Experience was fine. I'm not a review writing kind of person.

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?

Don't let this 3 stars fool you. I haven't purchased Side Car YET... I see a lot of great reviews here but nobody is talking about how this actually works. From what I am gathering from their Website Chat is that you use the credit card they give you. Say the doctor visit is $100 and they cover $100... They actually pay $100 BUT 20% of that just came out of your checking account right then. You have to upload the receipts and if all goes well, they credit that 20% back to you. Therefore, the way I see it is, you have to make sure you have money in your checking account because you will get a 20% withdraw. Anyone want to make some reviews on your experience with that? Also, say you need surgery. How much of that will they pull out of your checking? That could be 1K or 10K overnight. Anyone want to shed some light on how something like that worked? I'm interested in this, but these reviews seem to good to be true with nobody mentioning the 80/20 split.