What happens in an emergency?

Emergencies happen and your Sidecar Health plan provides coverage for when they do. 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. If it is not an emergency, consider urgent care or an alternative provider.

Reminder - If your provider charges more than your plan’s Benefit Amount, you will be responsible for paying the difference*.

If you go to the emergency room:

• 1. Show your digital member ID card, found in the member portal here, if the provider asks for your insurance ID card.
  2. Emergency rooms typically bill afterward, rather than during care. But if you’re asked for a down payment or deposit, you can pay using your Sidecar Health VISA benefit card.
  3. Make sure to get a copy of the itemized medical invoice from the provider.

After your visit:

1. 1. Give Member Care a call at 877-653-6440 when you receive your final bill for your emergency care. Our team is here to help confirm pricing with your provider before payment is submitted.
   2. Upload the itemized medical invoice to the member portal and our claims team will handle the rest.

What can you do if your emergency visit bill exceeds your Benefit Amount?

• You are responsible for provider charges that exceed your plan’s Benefit Amount. However, you may be able to negotiate your bill with your provider.
• If you’re unsure how to start, contact our Member Care team at 877-653-6440 and ask for support. We will coach you through the necessary steps.

*The Access Plan is an excepted benefit plan and does not provide comprehensive/major medical expenses coverage, minimum essential coverage, or essential health benefits, and are not subject to federal or state surprise billing protections.