If you are not covered by an employer’s health care plan or do not qualify for a subsidized plan on the health.gov marketplace, a visit to the doctor can be really expensive. Paying out of pocket can scare someone into giving up on a date completely and ultimately risking their health.
This isn’t just a bad idea – it can be downright dangerous.
But there’s a new kind of health insurance* that can be customized to be exactly what you need and cost as much as you can. it’s called Sidecar Health, And it helps people reduce their personal cost by up to 40%.
There are no loops to jump through
Plans offered through Sidecar Health Providing insurance coverage and working to reduce medical expenses by taking advantage of discounted cash rates for doctors. Since they no longer have to deal with the costly and time-consuming insurance billing process, they can pass those savings on to you.
But not only do you get discounted rates directly from the doctors, you are also covered by your Sidecar Health insurance plan. Depending on the optional withholding amount and specific benefit amount, you may end up paying only 20% of the doctor’s cost — and if your appointment ends up costing less than the average benefit amount, you can even get a refund!
And since there are no networks to worry about, you can see any doctor you want and you won’t have to pay out-of-network rates.
Use the app to find the lowest price
How much will your doctor’s appointment cost? Sidecar Health has an app that makes it easy to compare prices between doctors in your area.
Using the app, you can find out exactly what your plan will cover and how much you will pay for a visit. You will also see how much other people have paid for the same neighboring services. It makes paying for Medicare transparent – a word we never thought we’d use for insurance!
The app makes it easy to choose or change your coverage and manage your benefits. You can even upload your receipts to make the payment process easier.
Find the plan that works for you – or create one yourself
There are four different levels of coverage with Sidecar Health: budget, standard, premium or custom. You can choose based on how much protection you want in emergency situations and actions.
You can customize each of them as well. Not taking prescriptions? Remove it from your coverage and lower your monthly premium. Want a lower discount? Choose the exact amount you want. Save more by fixing your prices for three years.
Getting a quote takes less than a minute – fill out a few questions about yourself, including your date of birth and any pre-existing conditions, then see all of your options. Next, edit your coverage to be exactly what you need and nothing you don’t.
Unlike traditional insurance, there are no registration periods or exclusions for life changes. You can register for coverage and cancel coverage at any time. Register today And start saving on your insurance in just two weeks.
Carrie Faber is a staff writer for The Penny Hoarder.
* Sidecar Health offers and operates a variety of plans including ACA Compliance and Excluded Benefits plans. This refers to an excluded fixed indemnity insurance product marketed and operated by Sidecar Health Insurance Solutions, LLC and warranted by Sirius America Insurance Company or United States Fire Insurance Company, depending on the state. It does not provide comprehensive/primary coverage for medical expenses, minimum basic coverage, or basic health benefits. Coverage and plan options may or may not be available in all states.