Sidecar Health is an emerging health insurance company that offers cash based health insurance to its customers.
Why cash-based health insurance?
Cash-based health insurance puts you in the driver's seat. You get the power to negotiate with the doctors for better service at cheaper prices. You get the power to explore the market and save on out-of-pocket expenses.
Top features of Sidecar Health insurance...
(1) No networks
Sidecar Health has no networks, so you can see any licensed health care professional you like. Sidecar Health pays the same amount toward a service regardless of who the doctor is. The advantage? You can shop around and find a doctor that charges within what Sidecar Health pays and save on out-of-pocket expenses.
Let's say you need to see a dermatologist and your policy covers 80% of the expense.
You check Sidecar Health website and find that they cover $150 for this visit. Since your coverage is 80%, you are responsible for $30. But it doesn't end there.
You research and locate a doctor that charges $120. Now, since Sidecar Health pays $120 no matter what the doctor charges, you don't have to pay anything from your pocket.
Thus, you save your out-of-pocket costs by shopping around. Ever seen a health insurance that converts your negotiation skills into some real money?
Sidecar Health plans are affordable. They are about 30% cheaper than comparable ACA plans and 40% cheaper than the comparable Private health insurance policies.
If you are a healthy individual, does it make sense to pay more just because other insurance companies put you in the same pool as the unhealthy individuals? Sidecar Health gives the cheapest prices for healthy individuals when compared to anywhere else.
(3) Easy-to-use website
Sidecar Health website and their Android app are easy to navigate. Why is this important? Big insurance companies confuse you with complex terminologies and procedures and make you spend more.
This doesn't happen with Sidecar Health.
For more details visit, Sidecar Health.
As of today, they cover only Alabama, Arkansas, Florida, Georgia, Indianapolis, Kentucky, Oklahoma and Texas.
More states coming soon.