Sidecar Health works the way I want my… Sidecar Health works the way I want my insurance to work. I feel empowered to get the healthcare services I need without having a traditional insurance company act as a gatekeeper. And then Sidecar offsets some (or even all!) of the cost! Recently I got a shoulder and a knee MRI and then took them to the orthopedist to review. I got all the info I needed in a single orthopedic session. Traditional insurance would have had me go to the orthopedist, THEN get the MRIs, THEN back to the insurance!

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!

Great Customer Service! 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.

Extra Work 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.

Sidecar is Great! Sidecar has been an amazing way to manage my healthcare costs. As a generally healthy person, I enjoy low premiums and a comfort of knowing I’m covered for routine annual wellness, along with anything unusual that might arise. I have just renewed for a third year. Highly recommend!