Sidecar Health Anmeldelser 

The worst at everything. Can't get any legit customer service, the never understand invoices, and it's not worth the money you spend on it. I can't even cancel.

Whenever I call Sidecar, I talk to a human, not a robot, and they answer immediately. Sidecar is a different kind of insurance but it’s worth it when you talk about customer service. Thank you for being what every other insurance company isn’t.

This insurance is a scam. Consistently ask for CPT codes (which no other insurance has ever asked us to do), never pay for anything, refuse to find doctors to cover in your area and tell you to do the research (we've complained about this with our company's HR department and they finally did the flippin' work). They are absolutely the cheapest insurance for your employer to offer to its employees. We now will actively ask, if we ever have to change jobs again, if an employer offers sidecar insurance and will not accept employment with them purely based on this insurance company being offered as "benefits". They are not a benefit. They are a bi monthly leech from your paycheck and pay nothing on medical bills "benefit".

And no, we do not have an HSA account. You're just bad.

*** Need to mention that they tried to report my review and have it taken down. They were denied. Nice try!***

Sidecar Health has been an absolute game changer for me. They covered a procedure in full that my previous health insurance company wouldn’t cover a dime for. After years of dealing with denials and limitations, this felt completely different.

The platform is incredibly easy to use, transparent, and straightforward. I love that I have the freedom to choose who I want to see instead of being stuck inside a restrictive network.

It feels like healthcare finally works the way it should... simple, empowering, and fair.

Highly, highly recommend Sidecar Health!

Sidecar health are nothing but lies!!...they claim "no prior authorizations....your doctor decides not your insurance company"...that is from their brochure....yet they denied my daughter's procedure which was approved by other insurance companies

Words cannot fully explain how incredible this company is. They stand out of the way of your Doctor and your care. all of 2025 I have faced some very complicated heath issues with Stage 4 cancer and also lost a spouse of 40 years. Sidecar Health stood right by me, covered all my care with some very expensive non standard treatments and covered it all. If it was not for this company, I absolute would not be typing this review, I would would be dead. I owe my life to Sidecar Health for the attention and worry free on who is going to cover the bills. I also am extremely grateful for their employee Ms. Debbie, who personally calls and checks on my needs to make sure everything is being handled. That is ONE CLASS ACT !

At first it's a little complicated but once you figure out what you need to do it's a good insurance

I mean it’s different but once I got done with my prescription basically I was going to Kroger and they’re not a network so I had to pay for my prescription and they did give me a quarter of it back when I submitted it for an expense they didn’t have to do that, but I mean it’s kind of just like insurance but you don’t have to pay all this money out-of-pocket so they’re OK. I am just getting used to them.

Sidecar is gaslighting everyone to get on board with their NEW concept in health care. Don't fall for it. Dealing with Sidecar is challenging. It is the most frustrating company for Insurance, potentially the worst insurance company I have dealt with in my life. And I had to deal with the VA for my father's care. The mental toll it has taken to deal with them. Tonight I just want to cry!!! Nothing is transparent, except how difficult it is to deal with them. Doctors sometimes do not take CASH. Surprise bills, yup, have them and Sidecar will not cover bills, so now I have to pay ( will be above what a co-pay would have been). Almost every bill is a struggle to get a claim. I have a stack of paper sitting next to my desk, with issues from basic to complex care. Sidecar will not send anything via UPS mail; they have no way to do this ( fact) I had to request, and they need to go through their lawyers to see if they could ( What, never heard of this, I just wanted paper bills and forms, etc). Nothing is easy or simple with Sidecar. 6 months just to resolve a normal doctor appointment. Even a lost card that was used by someone else took months to resolve. My surgery was canceled at a surgical center *due to a medical issue. This is understandable. Surgery now needs to be at a hospital. Sidecar wanted PROOF why! I got that proof in records, letters, and reports. (Life-threatening issues were not enough in the records.) It took many calls, emails, and driving to providers and hospitals to get records, as some records couldn't be found on online portals. After weeks and providing everything I could get my hands on, SideCar has denied my surgery at a hospital. The surgical center will not do the surgery., I have that in a physical official letter. I spent $$$ and time to get this surgery done, and without it, my mobility will be limited. Living on painkillers and not being able to do simple things like getting groceries is going to happen soon. Earlier this year, it was impossible to get around. I'm not old!!! I'm the one you look at in the Handicap space and comment Why does she need a handicap spot. Till you see me walk... This is NOT INSURANCE. Sidecar is a SIDESCAM. Customer service is uneducated, one rep's last job was an UBER driver (no dish on that it's a reality in the job world). The work you need to put in for the claims is a second job. Someone (Patrick Quigley) Sidecar has found a loophole in the ACA to get in. Patrick Quigley, by the way, is a tech guy, as with most tech, it's about the money. he and his company are not out to keep you healthy, they are here to make MONEY! Their advertising is slick, but in no way let that sway you into enrolling. Read reviews. Sidecar has bots all over, esp Reddit. Find real reviews from real customers as to real experiences. Go with a company for your Health care that has a track record, and not one that is a tech start-up and NEW to the game. Normal traditional health care companies have their challenges, but they pale in comparison to SideSCAM
Response: The claim that " doctors do not take cash from Sidecar is incorrect. I have proof and receipts (Broken messages threads from Sidecar) that some doctors will not take cash, self-pay. With normal insurance, you would pay with a CC, and doctors do take that for payment of a co-pay.
As to the Hospital, I only received a PREAPPROVED for TWO hospitals, not multiple hospitals. ( have proof. These two hospitals are the only ones where the doctor practices.
As far as choice, I do not have a CHOICE, as I'm on a wait list for a cancellation. My surgery was canceled at a surgery center due to medical complications. One hospital is covered, the other is over $37,000 out of pocket after the deductible.
Again, I do not have a CHOICE, I get the call and surgery is scheduled. Working days & weeks to get and submit records, letters, and calls to doctors, providers, and hospitals. Even an SC informs me I have to go to a surgery center, which I can not, they will not do the surgery due to risks. WHAT??
Tranpancey, you will have surprise billing; costs are not on the website or app. Fact: Even on the app, you can't view your policy. Messages have been deleted, and are missing between SC and me, on the website and app. I'm unable to go back to the beginning of message threads. (app and website). Have proof! You will need preapproval.
"NOT ALL DOCTORS DO SELF-PAY". SC reps are not educated in HEALTH Insurance state law and regulations.
Many services and procedures are not searchable on the site to get costs. Even if you find a service, it's very vague as to what SS will cover
There is no saving when the amount of work is HOURS and WEEKS, and you are still paying exorbitant costs out of pocket. NOT ALL DOCTORS WILL DO SELF-PAY!! SC reviewed my case. Complaint 11/3 was after the review rec FRI 10/30. SC, get your act together. Stop the gaslighting

I’ll be the first to admit, I was completely against switching to Sidecar Health when Sylvania Schools made the change in January 2025. After 20 years with Paramount, I didn’t want to deal with a newer company, especially with my daughter scheduled for a multi-million-dollar open-heart surgery. I was one of the loud voices encouraging my coworkers to vote no on the switch. I truly believed it would be a nightmare.

I could not have been more wrong.

Before our plan even officially began, I was contacted by Debbie, my Sidecar case manager, in November 2024. From day one, she went above and beyond — working directly with me and the hospital where my daughter would be having her surgery. She secured a good faith estimate ahead of time and made sure every single cost was covered. I never had to fight, beg for approvals, or worry about surprise bills. She handled everything.

Our out-of-pocket expenses this year have been significantly lower than what we paid with our old insurance; even with a surgery that lasted 18 hours and was performed at a hospital across the country.

After we came home from California, exhausted but grateful, a beautiful bouquet of flowers arrived from Sidecar Health. I actually cried. It wasn’t just about coverage...it was about care.

So here I am, eating my words proudly: Sidecar Health has exceeded every expectation. They proved me wrong in the best possible way, and I am incredibly thankful for their support during the most difficult time of our lives.

I never thought I’d be writing a glowing review for an insurance company, but they’ve earned it.

I recently was able to do a virtual visit through my amazon app, get my prescription through amazon delivered next day, all at no cost. The best part is, I was able to do all this before 7am (which matters when you're a stay at home mom with 3 little kids). Sidecar has been great!

I'm not thrilled to make copies of my bill and make xtra trips to the dr's office for that. Then paying a portion of my bill out of pocket as payment plan was already set up for me..what's the point on having insurance?

I used to be part of traditional insurance my entire life. Every year that I was recommended to get an ultrasound along with my mammogram, I dreaded the $400+ cost (that was my negotiated rate). Some years I skipped it because I couldn't afford it. When moving to sidecar, I was very curious what my ultrasound was going to cost me. I called the same facility I have been going to and asked what is their cash price and it was $150!!!! I couldn't believe it. The same ultrasound but $350 cheaper. Shame on these big insurances for making care unaffordable. Thank you to Sidecar, for offering a plan that allows me to know the cost and shop around and ultimately save money.

Sidecar was rough in the begining because you are literally doing all of the foot work for your health care. Having Sidecar adds steps to the process of getting medical care, BUT you are not limited to get care in just your state. You don't have a network you have to stay in. To me, this is huge. I am from Indiana but moved to Ohio for family. However, I have a rare version of heart failure. The man that saved my life and kept me alive in the ICU for weeks is the only cardiologist I trust. He is Indianapolis and I live in Columbus now. Sidecar covers these visits without issue. Where I go is completely MY CHOICE. With heart failure there are many prescriptions that are very high priced. Sidecar pays them all. I just have to swipe their card and upload a few pictures. The hardest part was learning how to use Sidecar properly. I would choose sidecar over traditional insurance any day. The freedom of choice is worth that to me.

The worst health insurance in North America!!!!

If you value life, spend way less dollars somewhere else. From the name to the service to the awkward moments at the hospitals. it's all BS.

Even if you are the type of person that doesn't usually get sick, still through this exhausting plan down the drain.

RIP in advance if you have Sidecar Health.

Has been a good experience. Trying to explain to medical offices how it works is a little frustrating. Hope it gets better.

I'm extremely disappointed with Sidecar. Just as the name is called Sidecar. It is really a Sidecar that should be parked in an old garage. They have unscrupulous practices. They offer coverage for preventative care, but when it comes time to pay, they refuse to cover the full amount. Instead, they offer a preloaded payment card and expect you to choose their doctors and not your current doctor.
Even worse, they instruct members to tell healthcare providers they are paying out-of-pocket, all to avoid the provider billing them at the standard insurance rates. This is incredibly deceptive and puts customers in an awkward and potentially dishonest position.
Preventative care should be fully covered, as promised. Encouraging members to misrepresent their insurance status just to cut costs is not only unethical but could also have legal implications. This behavior erodes trust and defeats the entire purpose of having insurance in the first place.

My experience with Sidecar has been great. My ONLY gripe is that some manufacturers’ drug coupons require proof that insurance is covering some part of the meds, and because of how Sidecar works, it looks (on the payment side) like they’re not so it makes some coupons unusable (usually the VERY high-savings coupons - I could save something like $2000 a month on my migraine meds, but I can’t use their coupon because it appears like I am self-pay), and I feel some of their reimbursements are on the low end for my area (though I’m usually within an amount that would be a typical copay). However, I also did NOT have to jump through any hoops for my migraine meds, which are very pricey. The “no prior auth” situation has been amazing for me. Likewise, I have employees who need some EXTREMELY pricey medications, and those meds have been covered without issue, and without cost, to the employees. It’s worth noting, we have a first-dollar coverage plan.

Using this insurance can be frustrating at times, particularly because many expenses such as surgeries, ER visits, and alternative therapies like TMS aren’t covered unless the deductible is met. That said, the **customer service is outstanding**, and I’ve consistently appreciated the agents’ candor, patience, and helpfulness.

This insurance is especially valuable if you take high-cost medications that are essential for managing chronic health conditions. These medications can be prohibitively expensive without coverage, so having this insurance can make a major difference. It’s also helpful that they offer **flexible financing and payment plans**.

For example, a \$7,000 ER visit was reduced to around \$2,000 with their help. When I asked about using hospital financial assistance (based on income), they supported the idea and confirmed that it would still count toward my deductible.

Another feature I appreciate is the **cash-back benefit** if I pay less than the estimated benefit amount for a medication, I receive the difference as cash back, which I can use toward future copays. That has been a welcome surprise.

I’m especially grateful to **Javier and Rebecca**, who assisted me today. Thank you both for your clarity, kindness, and never being condescending while explaining complex information.

One caution: if you’re seeking mental health care through **Tava Health**, be aware that they may reject your case if it's considered too complex. That experience can be frustrating, so it’s something to keep in mind.

Overall, while the coverage limitations can be challenging, the level of **support and service** from the team truly stands out.

Sidecar is garbage they refuse to work with me to cover my medicine that has been prescribed by my doctor for a serious health issue and every time I send the documentation to prove to them what it’s for they find another excuse not to cover it… if you are looking for good insurance and someone to cover your medication that’s very important look else where side car is not it