Once you get used to how it works
Once you get used to how it works, it's a unique experience, and a way to get the most of your health care.
RICHARD BOOTH
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Sidecar Health
3.550 reviews
Last reviewed: Mar 6, 2026Do you agree with Sidecar Health's TrustScore? Voice your opinion today and hear what 421 customers have already said.
sidecarhealthinsurance.comMember since Mar 2026
Sidecar Health is an online company. Based on 50 reviews on TrustPlane, it has an average rating of 3.5 out of 5 stars. Last reviewed March 6, 2026.
Customer Reviews
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50 reviews
Smooth Sailing During Challenging Times Thanks to Side Car!
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
Jeanmarie
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Sidecar is a bad choice for prescriptions
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.
Joe Galanti
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We've been on the plan for about 18…
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.
Kev
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Great coverage
Prescriptions that weren’t covered by my last insurance has been covered by Sidecar.
Thomas Suter
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The worst at everything
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.
customer
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Talk to a person, not a robot
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.
Gavin Docherty
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This insurance is a SCAM
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.
Bill C.
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Truly a Game Changer
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!
SBW
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This company is a SCAM
This company is a SCAM. If you’re looking for insurance that actually covers any portion of your healthcare, look somewhere else. I actually said to a rep “this is a scam” and she responded “I wouldnt use the word scam exactly, but I do understand how you feel mislead.” Worst insurance experience I’ve ever had. I went to the doctor for an office appointment, was charged in full. When I submitted the bill to sidecar, I was informed that they will not pay any portion of care until the deductible is met. They say something is “covered” because you can apply it to your deductible, but they will not pay a cent of the bill. It’s not transparent, it’s misleading and confusing. Now, every time I go to the doctor, I’m paying more than double what I used to under a traditional health insurance policy.
EK
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Sidecar health are nothing but lies
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
Dwight Wallace
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Words cannot fully explain how…
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 !
Ricky DeLuco
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At first it's a little complicated but…
At first it's a little complicated but once you figure out what you need to do it's a good insurance
Kim Vierling
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Newbie loving this program
I have been on this program for a little over a month. It has been so wonderful. The company finds your answers immediately, they have even made phone calls with me. They are paying for prescriptions that I never was able to get coverage on before. I love it!!
Trisha Schmidt
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I mean it’s different but once I got…
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.
Nicholas Fuzinski
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Worst Health insurance Company SIDESCAM
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 SideSCAMResponse: 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
AlyArt
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First off it's not health insurance
First off it's not health insurance. It's a total rip off. Tell your HR rep to go to hell if they even bring this shit up. look it up and it states they are not insurance. Hell look at bbb reviews not one good review. But A plus rated my ass
CONNOR MILLIMEN
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Sidecar Gets 10 Stars From My Family
I’ll be the first to admit, I was completely against switching to Sidecar Health when Sylvania Schools made the change in January 2025. After 20 years with Paramount, I didn’t want to deal with a newer company, especially with my daughter scheduled for a multi-million-dollar open-heart surgery. I was one of the loud voices encouraging my coworkers to vote no on the switch. I truly believed it would be a nightmare.I could not have been more wrong.Before our plan even officially began, I was contacted by Debbie, my Sidecar case manager, in November 2024. From day one, she went above and beyond — working directly with me and the hospital where my daughter would be having her surgery. She secured a good faith estimate ahead of time and made sure every single cost was covered. I never had to fight, beg for approvals, or worry about surprise bills. She handled everything.Our out-of-pocket expenses this year have been significantly lower than what we paid with our old insurance; even with a surgery that lasted 18 hours and was performed at a hospital across the country.After we came home from California, exhausted but grateful, a beautiful bouquet of flowers arrived from Sidecar Health. I actually cried. It wasn’t just about coverage...it was about care.So here I am, eating my words proudly: Sidecar Health has exceeded every expectation. They proved me wrong in the best possible way, and I am incredibly thankful for their support during the most difficult time of our lives.I never thought I’d be writing a glowing review for an insurance company, but they’ve earned it.
Jackie Cousino
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Health insurance for any situation
I recently was able to do a virtual visit through my amazon app, get my prescription through amazon delivered next day, all at no cost. The best part is, I was able to do all this before 7am (which matters when you're a stay at home mom with 3 little kids). Sidecar has been great!
Nikki
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I'm not thrilled to make copies of my…
I'm not thrilled to make copies of my bill and make xtra trips to the dr's office for that. Then paying a portion of my bill out of pocket as payment plan was already set up for me..what's the point on having insurance?
Ronald Roath
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According to TrustPlane, Sidecar Health has a 3.5/5 rating based on 50 verified reviews as of April 2026. Source: trustplane.app/company/sidecarhealth-com