Way better than my employer given plan Highly recommend this company! I have had insurance with leading commercial companies and though it was employer paid, it was and HMO with high deductible. I went part time, 24 hours a week and become ineligible. I also run my own business and came upon Sidecar while searching for an answer. The marketplace options were absurd for what they offered. I am so glad I lost my other coverage, this is so much better!

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!

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!

Easy Breezy 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.

Great Experience! It does take quite a bit of work to obtain an itemized invoice from your service providers but once you do, Sidecar Health makes it super easy to upload your documents and they'll take care fo the rest for you. After we've submitted our documents, sometimes we're left with credits on our plan that leave us paying less which is great! And their customer service is awesome and always available!