Sidecar Health Reviews 

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.

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.

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.

Very easy to navigate and customer service is very helpful.

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.

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.

It helps pay off medication that is expensive and this is a good thing since I need it a lot

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.

The side car rep that has been helping me navigate the system has been fantastic. It was difficult to adjust to using this insurance at first, but with her patience and experience it has become much easier.

It was easy to do once I I had somebody show me. I was just explained wrong not by you guys by my work
I talked to one certain lady at least three times and he went step by step what to do and told me if there was a problem have the pharmacy or my doctor's office call her. She was wonderful. Very polite and was very nice to me

If I could give zero stars , I would . $5k deductible . What ever procedure or care that is diagnostic, is all out of pocket until the deductible is met. I feel like I’m paying a premium every paycheck , but I’m doing all of my own legwork . And I’m basically “Dr shopping “ and having to go to a different pharmacy every time I need a refill because we are supposed to go in the portal and shop around where it’s cheapest . Then you have to jump through hoops transferring your prescription every few months . I hate it and I do not feel INSURED ! Customer service ppl give you incorrect information and I’ve even had a rep hang up on me because I asked for a supervisor

Not fond of the system. Recorded login and password, however, when I go to use it says to reset password= annoying

You are paying the same or more than the average insurance provider but you have to do their jobs for them.

Easy to check your cost and go confidently to provider.

Sidecar Health refused continuity of care for my son's surgery and a paperwork technicality cost us $7,000
I'm writing this as a mom who is still angry and still trying to make sense of how we ended up here.
My son Daniel is 22 and away at college. His shoulder started hurting last spring. At first we thought he just slept on it wrong. Then a few weeks turned into a few months, and the pain wasn't going away.
He saw a doctor. He got an MRI. The doctor recommended physical therapy and a steroid injection. Daniel did all of it. Three months of PT. The injection. He showed up. He did the work. None of it helped. He kept hurting.
That's when he came to UHealth in December. By that point, he had already been in pain for eight months and had already exhausted everything a doctor would normally try before talking about surgery. The team at UHealth ordered another MRI, this one with contrast, because they suspected something the first one had missed. They were right. The imaging on January 15th showed a tear in his shoulder. On January 22nd, the doctor sat him down, confirmed the diagnosis, and told him surgery was the answer. The surgical authorization was submitted that same week, while we were still on our old plan.
The plan was set. Daniel had a path forward. He was finally going to get to stop hurting.
Then on February 1st, our employer switched to Sidecar Health.
Daniel's surgical consult had originally been scheduled for the last week of January. He couldn't make it because of his college class schedule. The first appointment they could give him was February 3rd. Same hospital. Same medical record. Same diagnosis. Same plan. Just a different week on the calendar.
That three-day gap is the entire reason Sidecar denied continuity of care.
Let me say that again, because it still doesn't feel real when I type it. My son had been in pain for eight months. He had failed PT. He had failed an injection. He had two MRIs. He had a confirmed diagnosis. He had a surgery already in motion. And Sidecar Health told us none of it counted, because he hadn't physically walked into the surgeon's office before February 1st.
I tried to be reasonable. I really did. I understand insurance companies have rules. I understand that Sidecar's whole pitch is "we show you prices and you choose," and in a normal situation I think that's a fine idea. But this wasn't a normal situation. We weren't shopping. We weren't choosing. We were in the middle of getting our kid out of pain.
The surgery date was picked around his college spring break so he could recover without missing classes. There was no room to start over with a new surgeon, repeat the consults, redo the workup, and still hit that window. We had to keep going with the team that already knew his case.
I pushed. Our benefits consultant pushed harder. We walked Sidecar through the medical records, line by line. We asked for reconsideration. We asked for a clinical review. We asked for it to go to executive leadership. Every single level came back with the same one-sentence answer. No conversation. No engagement with the evidence. Just no.
So we paid. We wrote a check for more than $7,000 out of pocket so Daniel could have his surgery with the surgeon who knew him, at the hospital where his whole workup was done. Seven thousand dollars because of a calendar.
I'm a mom. I'm not a policy expert. But I know what continuity of care is supposed to mean. It's supposed to protect families in exactly the situation we were in. Mid-treatment. Mid-diagnosis. Already on a path. If your continuity of care policy can be defeated by a rescheduled appointment, it isn't really continuity of care. It's a loophole with a friendly name on it.
If you are an HR leader or sit on a benefits committee and Sidecar Health is being pitched to you, please ask hard questions about how their continuity of care policy actually works for real people in real situations. Ask for written examples. Get the answers in your contract. Because when it was our family's turn, the answer was no, and the cost landed on us.
Daniel is recovering well. No thanks to Sidecar.

Sidecar is easy to navigate and fun (although still challenging) to learn.

A different kind of insurance. It actually makes sense!

I was diagnosed in August with breast cancer. I was affraid of what I would have to pay and if my insurance covered it. Needless to say, Sidecar changed all of that for me. I never had to worry about my bills.Mrs. Deborah took excellent care of me and made sure that I only had to foucus on my treatments and getting better. I would highly recommend this isurance to everyone

I had an unexpected injury that required surgery, and working with Sidecar made a stressful situation so much easier. Their Member Care team was incredibly helpful throughout the entire process—they clearly outlined everything I needed, answered all my questions, and made sure nothing fell through the cracks.

What really stood out was how quickly they moved to expedite everything, so I had all approvals and information in place well before the day of surgery. Having that level of support and clarity took a huge weight off my shoulders during an already difficult time.

I’m very grateful for how smooth they made the experience and would highly recommend Sidecar to anyone looking for responsive, supportive care when it matters most.

Sidecar Health is a plan that empowers and rewards people willing to take responsibility for their health care decisions. After reading some negative reviews here, the common thread is that far too many people are unwilling to accept personal responsibility to shop for fairly priced providers. This attitude is the root cause of the outrageous and unsustainable premium increases we’re all seeing every year - and it’s not going to change unless people start taking responsibility for their health care. The Sidecar Health model is simultaneously the FUTURE (barring industry collapse) as well as the PAST - this model is “revolutionary” in today’s market yet it is how the US healthcare industry worked for decades up until just a generation or two ago (usual, customary, reasonable industry standards which were the baseline for all insurance). This is a foreign concept to most Americans today but it is historical fact. Sidecar Health will reward proactive and responsible people, and even if you struggle to adapt to an honest and transparent model they will patiently help you through the learning curve. Their coverage/benefits are more than adequate for the vast majority of care, and they protect you from emergency/unanticipated “surprise” costs. I have never had a better insurance plan in my life, thank you Sidecar Health and member care for single handedly raising the bar across a broken industry and being the change you wish to see in the world.