Sidecar Health Reviews 

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

Sidecar is a new way to pay for healthcare, and it can be a little daunting to use at first, but after you get the hang of it, it is fairly easy to use with the added benefit really great customer service help if you need it. We have had to talk to a real person several times and every time we talked to a real person who was based in the US and always within 5 minutes or less

I have Sidecar Health Employer Insurance Plan and per the policy document, all Preventive services are exempted from the deductible and the entire fee under Preventive services are to be covered by Sidecar if one of their preferred providers are used for the services. I went to Southeast Medical Group (1800 Northside Forsyth Drive, GA 30041) for my annual wellness check on 5/7/2025 which is one of the preferred providers listed on Sidecar website. The doctor's office charged me an initial co-payment of $150 upfront at the time of visit and suggested the outstanding amount will be determined after the service and will be sent as an itemized bill through postal mail to my home address. I received a statement from doctor's office on 5/16 per which had the outstanding amount owed as $427.18. I made 2 different payments to doctor's office of $150 on 5/7/25 and $427.18 on 5/16 and submitted the
itemized bills and receipt of payments on Sidecar website for reimbursement. Sidecar is now denying the reimbursement claim of $150 with the explanation that they only reimburse one claim per visit. This is clearly a fraud because both the expenses submitted are for a single visit for which doctor's office generated 2 separate bills. The total amount of the service as it shows on the itemized bill received on 5/16 is $577.18 which was split between $150 at the time of visit (5/7) and remaining $427.18 (5/16). Sidecar Customer care agent declined to offer any help in resolving the issue here and I am being asked to pay the outstanding $150 to Sidecar.

Very user friendly. Creates consumer awareness that has not existed in the healthcare industry to-date. It’s easy to find care at or below the set benefit amounts and there is a chance to pocket real dollars by simply using your healthcare.

Very easy to submit receipt. Hassle free

Depending on your doctor you will love or hate this insurance. I’ll let you in on our experience with it. My doctor is great and they give me the paper work I need to submit to sidecar.

With my spouse it’s a different story and while he works a full time job with long hours (me as well) we’d have to spend what little spare time we did have submitting to the insurance. Sometimes (in his case) the doctor didn’t give him everything needed.

I held off on mammograms and a needed cancer screening (since my sister was diagnosed with cancer I needed this) because trying to get an appointment and shopping for a testing site and prices based on what side car would cover was like trying to find a needle in a haystack. I’d need to pay 3k out of pocket for the cancer screening alone.

This was via my husband’s work and it felt like we were employees of sidecar too and not in a good way.

One of the reasons my husband left his company was due to pay, but the other big issue was this insurance. So if you’re interviewing for a job and you find out this is the insurance they offer run.

It was such a pain in the neck to make sure everything was submitted. Crazy when I’m deathly sick the last thing I want to think about is taking a picture of my receipt for my prescription to submit to insurance.

I’ve had pretty good experience so far. The only thing that annoyed me is I am on MAT to stay off drugs, they needed a note from my doctor stating the plan since the type of medication and apparently they need it every 90 days I think. If I am continuing with this medication that should tell I am continuing the program I am on. I’ve never had this happen before.

My 21-year-old daughter had an unexpected emergency eye surgery due to an accident. She handled all of the payments and bill submissions herself, and I couldn’t be more pleased with how everything was handled.

Once we met our deductible, Sidecar Health covered the rest. This insurance saved us thousands compared to what it would have cost under our previous plan. It’s truly amazing how much you can save when you tell a provider you’re paying cash.

We’re very thankful for the coverage and flexibility Sidecar Health provided during a stressful time. Highly recommend!

This is terrible insurance. You have to constantly go back and forth gathering billing lists with codes to submit. Most of the time they say ypu have have the wrong paperwork and you have to constantly go back and forth. I would much rather pay 10 times as much fkr good traditiinal insurance. As muxh leg work as ypu end up doing they should be giving you a paycheck. I really cant believe my employer, which is in the healthcare industry, would provide this garbage to its employees

This company has found a loophole within the already existing loophole of healthcare within United States. They know, coats of healthcare are already high and increasing, leaving employers (plan sponsors) and employees (members) looking at options to find better, affordable healthcare and insurances. So they are playing game on this emotion. They would say you can go to any doctor, don’t need any pre-approvals or pre-authorizations. But guess what? Even though they charge almost as much as traditional plans, they would pay you fraction and call it a day. If a doctor would bill you for $100 and agree to take $80 in cash, Sidecar often would say their cost is $40, now guess what? You as a patient/member have to stiff remaining $40 from your pocket. They are LEGAL THEIVES AND STEALING!! Now sure how ACA or Obama allowed this?

After reconsideration and additional time utilizing Sidecar, I would rate them a 4 out of 5. Though I think they can continue to improve their processes and make it easier for claims, it is a nice company and my recent interactions with staff and support have been good.

Sidecar Health has been literally a Godsend for us this past couple of years. My family and I have been through hardships with our health and had the potential to put us in great financial debt. We used sidecar in addition to traditional insurance and it was an absolutely wonderful experience. Sidecar is efficient, clear, generous, and the staff is also easy to communicate with. We have told SO many people about Sidecar and what a blessing it's been. Thank you, Sidecar, for helping me and my family is our time of great need!

Haley Woodrow

Medication does not show up on smart phones, you need medicine and spend a day trying to find it for the right price. Sidecar is making the person do all the work or it will cost you money and you might have to drive 20 miles to get it. Don't like it at all!