How it works

When you need care, we've got you covered.

Experiencing a medical emergency? Call 911 or head to the ER. Ask them to bill us. You'll never owe more than your deductible for covered services.

Navigating complex care? You'll always have an option below the Benefit Amount. Member Care is here to help.

Step by Step

Step 1

Know your benefits

Use the Sidecar Health member portal to find the Benefit Amount your plan pays for any procedure, test, or drug you need.*

Step 2

Choose your provider

Compare provider prices to your Benefit Amount to see your cost or savings.

See a pre-checked provider and pay $0, post-deductible.

Step 3

Pay for your care

Use the Sidecar Health VISA benefit card to pay and ask for an invoice to upload to the member portal.

Step 4

Earn cash back^**

When you find care for less than the Benefit Amount, we share the savings with you. When you choose to see a provider who charges more, you'll pay the difference.

2024_08_Website_LP_HowItWorks_MKT-1443_Step4

All our plans come with robust coverage

Your Benefit Amount for a is

You’ll get the same benefit no matter which provider you see. And you can always look up your Benefit Amount before you get your care.

Preview complete coverage list

FAQS

We have the answers to your health coverage questions

What makes Sidecar Health different from other plans?

We created Sidecar Health because we knew insurance could be better. We came up with quality plans that people can afford, made it easy to see what your plan will cover before you head to the doctor, and our plans work with any doctor you choose to see. After receiving care, members pay their doctor directly. One way you can do this is with the Sidecar Health VISA benefit card. With Sidecar Health, you’re in the driver’s seat.

What do I do after seeing my medical provider?

After you've received your care, submit a picture of your itemized bill to the Sidecar Health app or website so we can determine your final Benefit Amount for the medical services you received. If you used your Sidecar Health VISA benefit card and the actual Benefit Amount is more than the Estimated Benefit, we will credit you the difference. If it is less, you will be responsible for the difference. We’ll start sending reminders if the final, itemized bill is not uploaded within 30 days. You must pay the entire amount of your care if you don't submit your itemized bill by the deadline explained in your policy.