Sidecar Health Anmeldelser 

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

Sidecar is everything and more we really appreciate it they make it easy

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.

I was 1st from our company to use Sidecar. I literally went the 1st day our policy was effective. I had zero issues. The biggest "hassle" would be waiting for the practice to issue the detailed bill after the visit - seriously, it does not get any easier than Sidecar!

List of Dos:
Do your research.
Do feel free to explore outside of the limitations you've experienced with traditional health insurance.
Do understand your responsibilities, whether it's getting that detailed receipt or submitting supporting documents.

List of don'ts:
Don't feel stressed - it takes a little leg work, but you will thank yourself later
Don't let anyone convince you it's not worth it to research - it can literally save you hundreds, if not thousands, of dollars over the course of a year
Don't let yourself miss deadlines to upload documents you're responsible for - they're going to be under your profile with a reminder of the date due BUT if you get distracted/are forgetful like me, set a calendar reminder on your phone

I FINALLY feel in control of my healthcare. I get to choose the provider and not worry about a network! I have been able to save money on every single expense from provider fees to prescriptions - for both myself and my daughter. It feels like a personal challenge to see how much money I can save through 2024. CHALLENGE ACCEPTED!

HORRIBLE NIGHTMARE!!! DO NOT PURCHASE!!!

WARNING: My employer decided they were going to try to save some money by switching over to Sidecar Health because Medical Mutual wanted to raise their rates 30% and my employer paid 80% of the insurance cost for all employees. They claimed they went through BBG and found Sidecar Health to be the best bet and whatever Sidecar Health didn't cover this BBG company would cover.

So, long story short (if that's really even possible here,) its now about a year later and I cannot seem to get any resolve from Sidecar regarding discrepancies in what they are covering because the hospital I was made to try and get itemized statements through essentially refused to provide them to me or Sidecar Health after months of trying. Sidecar Health acknowledged they would not be getting the required forms and had me send in what the hospital would provide me in terms of billing which is where the billing errors on Sidecar Health's end came into play. Then, as I said, BBG was supposed to cover the remainder but that's a whole different complaint to be lodged.

Like I said, long story short, do NOT get Sidecar Health unless you want to spend MONTHS trying to get you medical bills paid only to be unsuccessful. This is absolutely ridiculous, and this all goes back to my employer trying to save money by choosing Sidecar Health over an actual insurance company (which btw Sidecar is NOT!) I can't even calculate how many hours I have spent trying to resolve these issues now, and now that this many parties are involved everyone is more confused than I am and its nearly impossible to get all these people on one page. This is an absolute atrocity, and an extremely poor excuse of an "insurance" company. YOU will be the one doing all the work while they struggle to provide you the services they promise up front. Just a word to the wise!!!

Oh, and P.S. You will NOT be "saving" or "making" any money with Sidecar. Any money that I "made" will have amounted to the cost of having the plan so it completely cancels itself out. I qualified for financial assistance through the hospital like most people in my position do by the way (something to look into if you aren't aware,) and so I essentially paid Sidecar Health $450 instead of keeping it in my own pocket while they gave me the "pleasure" of doing the work an actual insurance company would be doing for their customers. That's correct, I LOST money having Sidecar Healthcare AND I had to do the work an actual insurance company should be doing; double whammy here. As I said, I have lost countless hours of my life trying to resolve this and there is no end in sight with regard to these issues.

I wish I could rate this with zero stars. DO NOT GET THIS "insurance" especially if you have a job. You will have a second full time job trying to gather ALL of the following on your own for each and every medical appointment or procedure and God Forbid if you have to have an unplanned surgery! First, you need to call around and find the cheapest pharmacy(that took time but wasn't so bad) However, before ANY appointment or procedure you have to try to get a "pre-bill" which requires very specific and detailed information that most places are not prepared to obtain in their usual "estimates". After several phone calls to your provider's billing department to hopefully get someone who understands the detail you need, you have to wait at least 5 business days to see what sidecar might pay. They have some very GENERAL info on their website as to what they might pay but again you still need the prebill because you have no idea what your doctor's facility charges until AFTER all of the appointments. Now this is after you have seen your doctor for the initial consult which as you know may take days or weeks to even get into. You better hope you are not getting sicker or in more pain as was in my case, with a pending knee surgery after a sports injury. AFTER I spent weeks getting first, the sports medicine consult, then the xrays, then the MRI, then researching surgeons who were reasonably priced but obviously reputable, I finally got the "prebill" -billing department in my hospital didn't know what I was asking for so that took several phone calls. THEN when I submitted that prebill it took another 5 days only for them to say no they won't pay that amount because the facility where this surgeon has priveleges costs too much. At that time they listed ONE surgical center they would cover. I can't believe I even entertained that as I called several other reputable orthopedic knee surgeons in my area and none of those had privileges there. Meantime my knee became increasingly painful and by this time I was in excruciating pain as I TRIED to maintain my own job this whole time and I finally said NO-I am proceeding with my surgery which was scheduled for the next day. I could NOT put it off any farther. THE DAY before my surgery I get a last minute email from sidecar listing a few reputable surgeons from another cheaper facility that had I known they were covered in the first place I would have entertained that option. I could not take several more weeks to get into those surgeons. No way. I had to get this done for my health. They refused in the end to cover my surgery due to the fact that my surgeon's facility was more expensive than the cheapest one they could find in my area. Wouldn't even entertain covering a little more--NOTHING!! Shameful. I cannot wait to see their response here. Do NOT believe them or trust them with their sales pitches and even worse, with their "wonderful care team" responding to your frustrations with their jargon. By the way, we pay the highest premium you can pay!!! Ridiculous!

**addendum after seeing sidecar reply below**: I have reached out to your care team and have retold my experience to 5 different people and no one is willing to correct this situation by paying more toward my procedure! They all say “I am so sorry. And admit its frustrating “. Nothing will correct this situation unless you are willing to pay more. Nothing will “restore” my faith in you unless you pay more toward my procedure. I know have to pay $1000/mth for 11 months to the hospital. At least it sounds like you are admitting that you screwed up here but how can you ask me to restore Faith without correcting it?? And I need toads on top of this stress I had to obtain a “detailed bill” for you to pay for the nominal amount you did pay for. That entailed making 2 phone calls to billing and the to print and Completing form for the hospital to release records which will now take 3 weeks. Who on earth has time for this and what exactly do you do to help us? It’s a joke. Please contact me ONLY when you are willing to pay more toward this procedure and MY work in obtaining all the paperwork. Otherwise do not patronize me with another “apology “. This insurance is through my husbands job and he is afraid to say much as to not lose his job. Fortunately many others in the company are expressing the same issues. Making others aware of your policies and actions here are our only recourse for now.

I've been a Sidecar Health member for 2 years now and have had a great experience. The transparency, control, and clarity for my healthcare is a breath of fresh air compared to traditional insurance. If I want to really make the most of it, I can shop around and earn money back, or I can rest easy knowing that there is no restrictive provider network to worry about.

The absolute worst experience ever with insurance...or lack thereof! Everything is a hassle. When my employer signed up it all sounded great. The first month or so was good, then my meds changed and it all went south. I have had expenses pending for months because they do not want to pay me the difference as they claimed they would if I found a cheaper price than they had set. I don't have time to call and chat and jump through hoops. Customer service is terrible.

Very helpful

I applaud the notion of being prudent with scarce health care dollars.

However, a mistake on Sidecar's part (duplicating an existing expense when they requested additional info which I uploaded) somehow couldn't be fixed by them, leaving me on the hook for almost $1,200 of lab services that had already been paid for. After 48 minutes on the phone trying to remedy the situation, the supervisor to whom I requested a transfer stuck to his script and wished me a great rest of my day. As if. So I cancelled my household's participation that day. Reached out on social media with no response. Terribly disappointing overall.

EDIT: Prompt received wouldn't allow comments to be added. Tagged Sidecar on LinkedIn and X. Have already spoken with "Member Care" and got exactly nowhere. Feels like more of the same. Disappointing and frustrating.

Pretty much a scam. Will be taking to court for my money back. Disgusting and don't let me take the time to figure out who is responsible for this horse****.

When I accidentally submitted the incorrect invoice, the customer service representative was a huge help! I had accidentally put an invoice in for the wrong date, I was charged $170, so I was reasonably confused and stressed out. After I described my problem, the woman on the phone connected me to someone else, and I explained the situation to the lovely person--I wish I got her name--and she let me know how I can email to get the credit back once I got the correct invoice. She was super sweet and bubbly, an absolute star. I did as she said and I got my $170 in credit. Great experience overall. So far I'm really happy to have Sidecar; I'd have no other way to afford therapy which I've needed for so long.

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.

Been helpful with the prescriptions

The concept of this type of health insurance is great, but in reality it cost me more than not having insurance and the customer service was sub-par at best.

When I no longer needed Sidecar and requested to cancel my account, an agent was very helpful and cancelled my policy same day and informed me I would receive a partial refund for the unused billing period.

Then when my husband contacted them 2 minutes later, they told him it would take a month to cancel and he would not receive a refund. When he shared the email I received confirming my refund, instead of honoring it for him they went back on their word and revoked my refund and cancellation.

Every agent I spoke with said something different and even had me listed as living in a different state then I actually do. In my opinion this company needs a lot of work before they can really compete with other insurance options.

If I could re-do my decision I wouldn't have signed up and instead asked my doctor for the cash-price and paid out of pocket. I ended up spending more paying for Sidecar then I would have if I just paid the cash price for my appointments.

I think Sidecar is great. You can customize your plan to fit your budget. They send reminders to submit your invoices, which is very helpful. Everything is pretty straightforward and easy to understand. You can even change or cancel your plan at any time, so there is no long-term commitment required. I truly recommend it to anybody I know who is uninsured and looking for affordable options.

If you're willing to work with your providers, some of whom may not fully get this concept and can actually make it more challenging for self-pay patients, then Sidecar Health is a breeze. I've not had any major issues to deal with yet, hopefully won't, but it's been the easiest process to use the Visa card, submit invoices, and track my expenses in the dashboard. Customer service and quick and so nice. Compared to what I would have been paying for "regular" health insurance, I'm definitely saving a ton. I've also seen all the doctors I prefer. I might have saved a little more going to one over another, but not significant enough to matter. So far I highly recommend Sidecar Health.

Works exactly as stated. Easy to upload documents by phone. Credits/adjustments within a week or less. Great reimbursement option.

Such a scam of a company!!! Do NOT to trust them when insuraning your family. Nothing that they present to you lives up to the expectactions. So hard to deal with, and such a hassle. I have paid more in preventative care than I ever should have. I should have paid nothing, and I didn't have on preventative care treatment covered. 1 Star is generous