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Coverage is administered by Sidecar Health Insurance Solutions, LLC. This is only a brief description of the insurance coverage 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, Florida, Georgia, Indiana, North Carolina, Oklahoma, South Carolina, Tennessee and Texas are underwritten by United States Fire Insurance Company, 5 Christopher Way, 2nd 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.
§ 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.
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.
* Coverage and plan options may vary or may not be available in all states.
‡ Information on doctor and health care facility charges is not a recommendation or advice on which doctor or facility you should see. Members must perform their own research.
† Comparison of premiums and coverage quoted to a 30-year-old person, with no pre-existing health conditions and residing in ZIP code 77002, for a premium policy administered by Sidecar Health and an Oscar Classic Gold plan issued by Oscar, and assuming $5,000 total annual health care spend (as of November 7, 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.
Sanger-Katz, Margot. “They Want It to Be Secret: How a Common Blood Test Can Cost $11 or Almost $1,000.” The New York Times, April 20, 2019,
https://www.nytimes.com/2019/04/30/upshot/health-care-huge-price-discrepancies.html. Accessed November 11, 2019.
Lazarus, David. “Insured price: $2,758. Cash price: $521. Could our healthcare system be any dumber?” Los Angeles Times, July 30, 2019,
https://www.latimes.com/business/story/2019-07-29/column-could-our-healthcare-system-be-any-dumber. Accessed November 11, 2019.
Sweetland Edwards, Haley. “What Happens When Doctors Only Take Cash.” Time, January 26, 2017,
https://time.com/4649914/why-the-doctor-takes-only-cash/. Accessed November 11, 2019.
Bloom, Ester. “Under 1% of patients use this trick to save on medical bills—I did, and I saved $400.“ CNBC, August 1, 2018,
https://www.cnbc.com/2018/08/01/few-patients-use-this-trick-that-saves-on-medical-bills.html. Accessed November 11, 2019.
Rosato, Donna. “How Paying Your Doctor in Cash Could Save You Money.” Consumer Reports, May 4, 2018,
https://www.consumerreports.org/healthcare-costs/how-paying-your-doctor-in-cash-could-save-you-money/. Accessed November 11, 2019.
‡‡ Picture is for illustrative purposes. Premiums vary by state. Get a quote to see your premiums.
§§ Changes to your plan are subject to re-underwriting and premium changes.