AUSTIN, Texas — For many people who don't work a traditional 9-to-5 job, health insurance can be an issue. It can be difficult to pay for, or hard to use.
But [Sidecar Health] just launched in Austin [and] hopes to help those buying their own insurance.
That comes in handy for bartenders and servers in Austin, like those working at Seven Grand on East Seventh Street.
"I love it, I absolutely love my job," said Steven White, the bar manager.
He knows the pressure that not having insurance can bring.
"It comes to the point where you're trying to figure out how many shifts you need to work before you can afford to go to the doctor for that one thing you've been holding off for a month," said White. "This industry does not allow businesses to provide those types of business to provide those types of benefits for people and now we can do that."
"We created a product that's totally different and a totally new approach to that particular problem," said Patrick Quigley, the creator of Sidecar Health. "Right now we're actually rolled out all across Texas, but Austin was the first city that we launched in."
Quigley created Sidecar Health with the goal of giving cheaper health insurance to those buying it on their own, using an app.
"Could we actually design what they actually want, and that combined with realizing that cash prices for healthcare are so much cheaper? We were able to put those two things together, and using technology come up with a solution that was just fundamentally different," said Quigley
"It's the consumer in control of making the healthcare transaction," said Quigley, "with the information about the cost."
As for White and his bartenders, this option relieves some of the problems they used to deal with.
"They can go and do everything that they need to do just like that," said White.
Sidecar is launching next in Georgia, Arkansas, Kentucky, Alabama and Florida.
Read the full article at KVUE ABC
Coverage is administered by Sidecar Health Insurance Solutions, LLC. This is only a brief description of the insurance coverage(s) available. The Policy contains reductions, limitations, exclusions, and termination provisions. Full details of the coverage are contained in the Policy. If there are any conflicts between this document and the Policy, the Policy shall govern in all cases. Insurance plans in Alabama, Georgia, and Texas are underwritten by United States Fire Insurance Company, 5 Christopher Way, 3rd Floor, Eatontown, NJ 07724. Insurance plans in Arkansas and Kentucky are underwritten by Sirius America Insurance Company, 140 Broadway, 32nd Floor, New York, NY 10005. Coverage under these plans is unavailable to applicants age 65 years or older.
Fixed indemnity insurance plans do not provide ACA-qualified Essential Health Benefits or Minimum Essential Coverage. You cannot receive a subsidy (premium tax credit and/or cost-sharing reduction) under the ACA in connection with your purchase of such a fixed indemnity insurance plan. Also, the termination or loss of this policy does not entitle you to a special enrollment period to purchase a health benefit plan that qualifies as minimum essential coverage outside of an open enrollment period.
This is a limited benefits insurance plan and is not an expense incurred medical plan. The benefits provided under this plan are limited in nature and are not related to the costs you may incur for health care services. As a fixed indemnity insurance plan, this plan is exempt from many state and federal requirements that apply to other types of health benefit plans. This policy does not provide major medical expenses coverage, minimum essential coverage or essential health benefits.
†Comparison of premiums quoted to a 30-year-old person, with no pre-existing health conditions and residing in ZIP code 77002, for a standard policy administered by Sidecar Health and a Blue Advantage Plus BronzeSM plan issued by BlueCross BlueShield of Texas (as of April 18, 2019). Benefits are clearly labeled in the member portal and subject to your individual policy. New drugs and experimental procedures may not be covered by Sidecar Health. Please refer to your policy for exact coverage details.
‡Beck, Melinda. “How to Cut Your Health-Care Bill: Pay Cash” The Wall Street Journal,
www.wsj.com/articles/how-to-cut-your-health-care-bill-pay-cash-1455592277. Accessed 22 April 2019.