Accessing your health plan
Playbook for using your coverage
Here's a brief playbook for making the most of your Sidecar Health insurance: Call your provider before going to your appointment. Tell your provider you are paying for the visit as a self-pay patient and ask for all related prices fo...
What is a pre-bill?
Sidecar Health designed the pre-bill process to help you smoothly access your benefits for non-routine, costly, or complex care scenarios (pre-planned procedures or care expected to cost over your swipe limit). Note: If you are looking t...
How to explain your Sidecar Health coverage to a provider (for non-emergency care scenarios)
Providers who welcome Sidecar Health members enjoy the advantages of getting paid on the spot for care. If your provider hasn’t worked with Sidecar Health before, you can use this script to speak with your doctor or their staff about you...
Can I mail-order prescriptions from international pharmacies?
No. While Sidecar Health encourages shopping around for the best price, importing prescriptions from other countries is currently illegal except in rare situations according to U.S law. Mail-order prescriptions for use in the United Stat...
What happens in an emergency?
In case of emergency, we’ve got you covered. If possible, we recommend the following steps when you need emergency care: First things first: Find the closest medical care you need and get treated. You can use any emergency facility. Ver...
Is a referral required to see a specialist?
Of course not. You can see any licensed doctor you want.
How do I use my Sidecar Health coverage at the doctor’s office, urgent care, or surgery center?
1. Call your doctor, the urgent care, or the surgery center ahead of your visit, tell them you are paying for the visit as a self-pay patient, and verify the procedure code(s) and cost for your medical service(s). If you don’t have a s...
How do I use Sidecar Health at a pharmacy?
Just like other forms of care, prescription drug pricing varies between pharmacies. When you shop around and use discount codes, you can save on your prescriptions. How to use your Sidecar Health pharmacy benefits: Before you go to the ...
How do I know how much my plan will pay for covered services I receive?
You can easily find the Benefit Amount of your covered service using the Sidecar Health member portal, available at member.sidecarhealth.com. We also share information on doctor and healthcare provider prices that other Sidecar Health m...
What if my medical bill is higher than expected?
You should expect to pay anything above the Benefit Amount when getting care. Some providers will charge less than the Benefit Amount, and others will charge more (known as balance billing). Prices can vary and we always recommend shoppi...
What if my medical bill is lower than what my plan pays?
Congrats! You made a great decision. In this case, you get to keep the difference between the Benefit Amount and your doctor’s price. The difference will be added to your Sidecar Health account and, if unused, will be sent to you when yo...
What does an itemized medical invoice need to include?
For us to process your expense, you need to send us an itemized medical invoice – otherwise known as a “superbill” or “medical bill.” For provider bills: The itemized medical invoice must include the following information: Patient's na...
Should I submit itemized medical bills, or “medical invoices,” even when I have an outstanding deductible amount?
Yes! You will need to upload your medical bills to ensure the Benefit Amount for those services will apply towards your deductible. Once your deductible has been met, your plan will start paying you the Benefit Amount for covered services.