In the field of health coverage, a challenge to the traditional models is long overdue. Sidecar Health was founded to provide practical, accessible coverage for people just like you. In the process, health insurance is being reimagined.
Interested?
Click Here to Learn More| Pros | Cons | Best For |
|---|---|---|
| Available in 15 states AL, AR, FL, IN, GA, KY, MD, MS, NC, OH, OK, SC, TN, TX, and UT. | Not available for all states. Live Outside supported states? Click here | All budgets |
| 3-year lock to ensure your monthly fees remain the same for three years | 3-year lock only not available in certain states | Tailored plans |
| Easy to use Android app and website portal | Phone support not available 24/7 | Fast quotes |
| Best reviewed insurance carrier by Trustpilot | ||
| Save up to 40% on monthly insurance costs | ||
| Get a quote in 60 seconds or less | ||
| Enroll, cancel or change policy at any time | ||
| Cash pricing: pay at the time of your appointment or treatment to receive discounts | ||
| No surprise bills, get complete control over how much you pay each year towards health care | ||
| Comparison shop for care just like everything else in your life | ||
| Transparent policies and clear FAQ |
Sidecar Health Reviews – Save 40% in Insurance Costs
Sidecar Health members save 40% or more on monthly insurance costs. (Read the details here.)
They underwrite policies that are:
- Completely tailored to individual needs
- Affordable
- Transparent, with no hidden costs
Most healthcare users just like you have found that having a good, consistent relationship with a healthcare provider improves both their health and the medical care they receive.
With Sidecar Health, you get to shop around for the right doctor or service. Compare prices, read reviews, and choose a health care provider that matches your needs and budget.
When you find a doctor or service that’s a good fit for you, Sidecar Health lets you continue to see that practitioner! It’s such a simple way to take good care of everyone.
Get Affordable Health CoverageHow Does Sidecar Health Access Plan Work?
One of the biggest shortcomings of other providers’ plans is that doctors charge different prices for the same services.
Sidecar didn’t want to let insurance companies be in control of people’s bills. They wanted to empower people to be in control of their healthcare and how much it costs.
With Sidecar Health, you get to shop around for the right doctor or service. You get to compare prices, read reviews, and choose a health care provider that matches your needs and budget.
The company has amassed a huge database of prices for services and procedures, which is paid back to you. If the provider charges more, you pay the difference. If it’s less, you keep the difference. All you need to do is submit the itemized bill via the online website or the app (more on that later). Just make sure it includes:
- Patient’s name
- Provider’s name
- Date of service
- Charge amount
- A detailed description of service and/or a medical billing code such as a CPT code.
Affordable Insurance for your Health
With Sidecar Health every plan is tailored to the individual. That means you get the plan that’s right for you and your budget, namely:
- Catastrophic: for those who only want major illnesses and treatment covered
- Budget: if you only need to cover daily needs and minor procedures
- Standard: for daily needs, and medium emergencies or procedures
- Premium: full coverage for daily needs and emergencies
You can then customize the coverage to your needs, for example by adding cover for prescriptions and using their 3-year rate lock, which prevents monthly costs from increasing for 3 years (in certain states).
This model has been shown to reduce health costs for their members by up to 40%.
And a great testament to their transparency: if they think you’re better off sticking with Obamacare, they will say it after you fill the 1-minute questionnaire. That’s full transparency. (Note: At this point, the product does not comply with ACA requirements.)
Get Affordable Health Insurance QuotesCustomize Your Coverage to Your Needs
Sidecar Health wants you to get the exact coverage that you need. And to make it easier you can just go into your app and turn off any coverage that you don’t need to get the exact coverage that you want and have a lower monthly cost.
From prescription drugs (if you select the option), medical procedures, doctor visits, etc., you’ll have different levels of coverage to choose from. Preventive care services are also covered, which include vaccinations, check-ups, and screenings, amongst others.
Now when it comes to what isn’t covered, they have a comprehensive FAQ section that includes experimental or investigational services and drugs, daycare and foster care, personal comfort of cosmetic services, vitamins, food supplements, and over-the-counter medicines.
Enroll, Cancel or Renew at Any Time
You can cancel your policy at any time directly via the app, website or by calling your Member Care Team. Just be aware that phone support isn’t available 24/7.
To update your plan, you can just call support or do it manually by navigating to the Account section of your dashboard.
Click Here to Learn MoreThe Sidecar Health App
We found that it’s well-designed, responsive and intuitive. You can search for medical providers based on geolocation, estimate your medical costs and manage expenses. Sadly, it is only available for Android at the time of writing.
Sidecar Health and Data Protection
According to their privacy policy, Sidecar Health does not sell your medical information. In fact, they go above and beyond the necessary standards to ensure it is kept safe and not shared.
Anything Else to Note?
Yes, Sidecar Health partners with insurance carriers to underwrite the policies it sells, but it’s not technically recognized as an insurance company. So they act as a third-party service, but all the policies are underwritten by A-rated insurance carriers.
The product is a fixed indemnity benefit insurance product and is not a comprehensive/major medical plan, nor does it replace an ACA plan. This does not provide ACA Essential Health Benefits or Minimum Essential Coverage.
Click Here to Learn MoreSidecar Health Review – The Future of Health Insurance?
There is a lot to love with Sidecar Health. Everything, from the website to the app, and of course the policies, are well designed, easy to understand and simple.
The innovative and disruptive model could also completely transform the way you think about health insurance, not least because it could save you up to 40% in expenses.
Finally, remember that it’s still a new provider. That means new features and updates, like an iOS app, are sure to appear in the future, which would put them on track to be one of the best companies out there.
Click Here to Learn MoreSidecar Health Quiz
All answers can be found on this page
