Sidecar Health Reviews 

I was diagnosed in August with breast cancer. I was affraid of what I would have to pay and if my insurance covered it. Needless to say, Sidecar changed all of that for me. I never had to worry about my bills.Mrs. Deborah took excellent care of me and made sure that I only had to foucus on my treatments and getting better. I would highly recommend this isurance to everyone

I had an unexpected injury that required surgery, and working with Sidecar made a stressful situation so much easier. Their Member Care team was incredibly helpful throughout the entire process—they clearly outlined everything I needed, answered all my questions, and made sure nothing fell through the cracks.

What really stood out was how quickly they moved to expedite everything, so I had all approvals and information in place well before the day of surgery. Having that level of support and clarity took a huge weight off my shoulders during an already difficult time.

I’m very grateful for how smooth they made the experience and would highly recommend Sidecar to anyone looking for responsive, supportive care when it matters most.

Sidecar Health is a plan that empowers and rewards people willing to take responsibility for their health care decisions. After reading some negative reviews here, the common thread is that far too many people are unwilling to accept personal responsibility to shop for fairly priced providers. This attitude is the root cause of the outrageous and unsustainable premium increases we’re all seeing every year - and it’s not going to change unless people start taking responsibility for their health care. The Sidecar Health model is simultaneously the FUTURE (barring industry collapse) as well as the PAST - this model is “revolutionary” in today’s market yet it is how the US healthcare industry worked for decades up until just a generation or two ago (usual, customary, reasonable industry standards which were the baseline for all insurance). This is a foreign concept to most Americans today but it is historical fact. Sidecar Health will reward proactive and responsible people, and even if you struggle to adapt to an honest and transparent model they will patiently help you through the learning curve. Their coverage/benefits are more than adequate for the vast majority of care, and they protect you from emergency/unanticipated “surprise” costs. I have never had a better insurance plan in my life, thank you Sidecar Health and member care for single handedly raising the bar across a broken industry and being the change you wish to see in the world.

Completely unique model that reinvents healthcare. Made insurance way less complicated and eliminated the anxiety of networks and prior auths.

Overall I am really liking this insurance. Any time I need to call, they are very helpful and friendly in answering my questions. The app is easy to use and it's kind of fun to see if you can find the best deal for your money with services and prescriptions. Getting credits for using lower cost pharmacies and doctors is a nice bonus.

Sidecar Health is making a significant difference in the lives of our staff by helping us better understand the true nature of the care we are seeking and empowering us to be in the driver’s seat rather than navigating the bureaucracy of traditional healthcare.

The onboarding process, ongoing follow-up, and meaningful connection points they provide for our staff reflect the kind of support and engagement we have always hoped for but have rarely experienced as an organization.

The level of transparency and personal support they have brought to our team is truly making a difference in the lives of our staff.

I have had nothing but an excellent experience using Side Car. From utilizing it for routine Doctor's appointments to now having to managing a rather extensive healthcare event, the Side Car team has been professional, positive and present to my needs. I honestly can't even imagine having to navigate my old health insurance provider(s) during this current healthcare event! Side Car has made it so easy- from loading up invoices to reaching out to my navigator by email or phone to have my many questions answers quickly and compassionately. I can focus on what is important, my health and recovery, not paperwork and invoices. Thank you all at Team Side Car

Trying to maintain a schedule of obtaining medications is absolutely a pain. They expect you to shop around and get prescriptions moved from pharmacy to pharmacy each time for the best price. Even the screen shots they send you are not the prices charged at a pharmacy so where are they getting their data and information. This all just makes for terrible costs and wasted time trying to follow their processes. Avoid if you can.

We've been on the plan for about 18 months now and love it. The biggest factor for us is being able to get one of our kids into specialists who normally don't "take insurance." Navigating this health condition used to be terrifying — never knowing if we could get into a doctor (in-network providers had crazy wait lists) or how much insurance would pay for if we went out-of-network. Now we know that as long as a provider is seeing patients, we'll be able to get in.

Prescriptions that weren’t covered by my last insurance has been covered by Sidecar.

The worst at everything. Can't get any legit customer service, the never understand invoices, and it's not worth the money you spend on it. I can't even cancel.

Whenever I call Sidecar, I talk to a human, not a robot, and they answer immediately. Sidecar is a different kind of insurance but it’s worth it when you talk about customer service. Thank you for being what every other insurance company isn’t.

This insurance is a scam. Consistently ask for CPT codes (which no other insurance has ever asked us to do), never pay for anything, refuse to find doctors to cover in your area and tell you to do the research (we've complained about this with our company's HR department and they finally did the flippin' work). They are absolutely the cheapest insurance for your employer to offer to its employees. We now will actively ask, if we ever have to change jobs again, if an employer offers sidecar insurance and will not accept employment with them purely based on this insurance company being offered as "benefits". They are not a benefit. They are a bi monthly leech from your paycheck and pay nothing on medical bills "benefit".

And no, we do not have an HSA account. You're just bad.

*** Need to mention that they tried to report my review and have it taken down. They were denied. Nice try!***

Sidecar Health has been an absolute game changer for me. They covered a procedure in full that my previous health insurance company wouldn’t cover a dime for. After years of dealing with denials and limitations, this felt completely different.

The platform is incredibly easy to use, transparent, and straightforward. I love that I have the freedom to choose who I want to see instead of being stuck inside a restrictive network.

It feels like healthcare finally works the way it should... simple, empowering, and fair.

Highly, highly recommend Sidecar Health!

Sidecar health are nothing but lies!!...they claim "no prior authorizations....your doctor decides not your insurance company"...that is from their brochure....yet they denied my daughter's procedure which was approved by other insurance companies

Words cannot fully explain how incredible this company is. They stand out of the way of your Doctor and your care. all of 2025 I have faced some very complicated heath issues with Stage 4 cancer and also lost a spouse of 40 years. Sidecar Health stood right by me, covered all my care with some very expensive non standard treatments and covered it all. If it was not for this company, I absolute would not be typing this review, I would would be dead. I owe my life to Sidecar Health for the attention and worry free on who is going to cover the bills. I also am extremely grateful for their employee Ms. Debbie, who personally calls and checks on my needs to make sure everything is being handled. That is ONE CLASS ACT !

At first it's a little complicated but once you figure out what you need to do it's a good insurance

I mean it’s different but once I got done with my prescription basically I was going to Kroger and they’re not a network so I had to pay for my prescription and they did give me a quarter of it back when I submitted it for an expense they didn’t have to do that, but I mean it’s kind of just like insurance but you don’t have to pay all this money out-of-pocket so they’re OK. I am just getting used to them.

Sidecar is gaslighting everyone to get on board with their NEW concept in health care. Don't fall for it. Dealing with Sidecar is challenging. It is the most frustrating company for Insurance, potentially the worst insurance company I have dealt with in my life. And I had to deal with the VA for my father's care. The mental toll it has taken to deal with them. Tonight I just want to cry!!! Nothing is transparent, except how difficult it is to deal with them. Doctors sometimes do not take CASH. Surprise bills, yup, have them and Sidecar will not cover bills, so now I have to pay ( will be above what a co-pay would have been). Almost every bill is a struggle to get a claim. I have a stack of paper sitting next to my desk, with issues from basic to complex care. Sidecar will not send anything via UPS mail; they have no way to do this ( fact) I had to request, and they need to go through their lawyers to see if they could ( What, never heard of this, I just wanted paper bills and forms, etc). Nothing is easy or simple with Sidecar. 6 months just to resolve a normal doctor appointment. Even a lost card that was used by someone else took months to resolve. My surgery was canceled at a surgical center *due to a medical issue. This is understandable. Surgery now needs to be at a hospital. Sidecar wanted PROOF why! I got that proof in records, letters, and reports. (Life-threatening issues were not enough in the records.) It took many calls, emails, and driving to providers and hospitals to get records, as some records couldn't be found on online portals. After weeks and providing everything I could get my hands on, SideCar has denied my surgery at a hospital. The surgical center will not do the surgery., I have that in a physical official letter. I spent $$$ and time to get this surgery done, and without it, my mobility will be limited. Living on painkillers and not being able to do simple things like getting groceries is going to happen soon. Earlier this year, it was impossible to get around. I'm not old!!! I'm the one you look at in the Handicap space and comment Why does she need a handicap spot. Till you see me walk... This is NOT INSURANCE. Sidecar is a SIDESCAM. Customer service is uneducated, one rep's last job was an UBER driver (no dish on that it's a reality in the job world). The work you need to put in for the claims is a second job. Someone (Patrick Quigley) Sidecar has found a loophole in the ACA to get in. Patrick Quigley, by the way, is a tech guy, as with most tech, it's about the money. he and his company are not out to keep you healthy, they are here to make MONEY! Their advertising is slick, but in no way let that sway you into enrolling. Read reviews. Sidecar has bots all over, esp Reddit. Find real reviews from real customers as to real experiences. Go with a company for your Health care that has a track record, and not one that is a tech start-up and NEW to the game. Normal traditional health care companies have their challenges, but they pale in comparison to SideSCAM
Response: The claim that " doctors do not take cash from Sidecar is incorrect. I have proof and receipts (Broken messages threads from Sidecar) that some doctors will not take cash, self-pay. With normal insurance, you would pay with a CC, and doctors do take that for payment of a co-pay.
As to the Hospital, I only received a PREAPPROVED for TWO hospitals, not multiple hospitals. ( have proof. These two hospitals are the only ones where the doctor practices.
As far as choice, I do not have a CHOICE, as I'm on a wait list for a cancellation. My surgery was canceled at a surgery center due to medical complications. One hospital is covered, the other is over $37,000 out of pocket after the deductible.
Again, I do not have a CHOICE, I get the call and surgery is scheduled. Working days & weeks to get and submit records, letters, and calls to doctors, providers, and hospitals. Even an SC informs me I have to go to a surgery center, which I can not, they will not do the surgery due to risks. WHAT??
Tranpancey, you will have surprise billing; costs are not on the website or app. Fact: Even on the app, you can't view your policy. Messages have been deleted, and are missing between SC and me, on the website and app. I'm unable to go back to the beginning of message threads. (app and website). Have proof! You will need preapproval.
"NOT ALL DOCTORS DO SELF-PAY". SC reps are not educated in HEALTH Insurance state law and regulations.
Many services and procedures are not searchable on the site to get costs. Even if you find a service, it's very vague as to what SS will cover
There is no saving when the amount of work is HOURS and WEEKS, and you are still paying exorbitant costs out of pocket. NOT ALL DOCTORS WILL DO SELF-PAY!! SC reviewed my case. Complaint 11/3 was after the review rec FRI 10/30. SC, get your act together. Stop the gaslighting