What real coverage looks like: an unexpected C-section and NICU stay are fully covered

When a Sidecar Health member walked into an Ohio hospital for a routine delivery, she didn’t expect an emergency C-section, or a NICU stay for her newborn. But that’s what happened. And six days and more than $70,000 in charges later, she walked out owing only her $2,500 deductible.

This is what real coverage looks like — with no excess charges and no surprises — just clear coverage and peace of mind.

What happened

Before giving birth, this Sidecar Health member worked with our team to choose a provider and hospital that would be fully covered at her Benefit Amount. Everything was in place for a smooth, routine delivery — until things took an unexpected turn.

In 2024, the member was admitted for childbirth. But when complications arose, doctors quickly moved to perform a c-section. The following day, the newborn was admitted to the NICU, where it received care for five days.

In total, more than $70,000 in care was billed to both mom and baby, including the C—section, NICU services, overnight monitoring, and follow-up support. But despite the scale and urgency of the care, the member paid just one thing: their $2,500 deductible.

Why it matters

This isn’t a one-off case. It’s how Sidecar Health is designed to work — whether it’s a checkup, a prescription, surgery, or a medical emergency. Members get upfront Benefit Amounts for virtually every service, so there are no surprises. And when unplanned complications happen, we take over. Shopping and cost comparisons aren’t part of that burden.

With no copays, coinsurance, or network rules to navigate, members face one simple deductible that’s also their out-of-pocket max. That’s how this member went through a $70,000+ medical event and still paid only $2,500. 

The bottom line

Sidecar Health works as intended when everything goes smoothly — and just as well when it doesn’t. It’s designed to give you clarity and control whether you’re scheduling a check-up or facing something more serious.