Great Health care! Used a few times over the past year and… Used a few times over the past year and was easy to navigate the system. Nice to be able to submit EOB's online through the mobile application. A bit confused on why Chiropractors are listed as a question on the initial application. Over a decade of research has shown that their treatments are highly effective at a lower cost than M.D's and PT's for musculoskeletal complaints.

I think Sidecar is great 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.

Love the transparency and control 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.

Shameful practices 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!

Buyer Beware I had an unfortunate experience with this company and would not use their services again. I can't go into too much detail here because of the policy of this site. Simply put I do not recommend.