All insurance quotes provided through Zenefits are estimates and are
to match the final rates and details of your policy.
All insurance quotes provided to you through Zenefits (which are based on
information provided to us by you and
information provided and general assumptions made by the insurance companies) are made available to you
comparison and quotation estimate purposes only and the actual final rates and details of your policy
may vary. Many
factors may cause estimated rates, details and availability to differ from actual. These may include
changes in employee
numbers, ages or other characteristics, selection of optional benefits, insurance company underwriting
selected locations as well as rate and plan changes implemented by insurance companies, which may occur
at any time –
particularly at calendar year end.
All insurance quotes are made available as a free service to Zenefits
without any express or implied warranties of any kind.
The information and descriptions of insurance products contained herein are
not intended to be complete descriptions of
all terms, conditions, limitations, or exclusions, and are provided solely for general informational
purposes. In no way
is Zenefits responsible for the accuracy, reliability, currency, or completeness of any quote or related
materials, including any information, content, materials, advice, products, services, functionality, or
provided by or communicated through any insurance company or third party agent.
Zenefits has no control over whether you ultimately qualify for
insurance at the
estimated rates, and we make no warranties or guarantees that you will qualify.
The insurance quotes provided through Zenefits do not constitute an offer,
solicitation, sale or negotiation of
insurance, nor is any contract, agreement, or insurance coverage implied, formed or bound by the
provision of rate
quotes. Insurability, final insurance premium rate quotes and an offer of insurance, if any, will be
determined by the
insurance company providing your insurance policy.
Underwriting will not begin until after the completed and signed application
is received by
the insurance company. If a policy is issued to you, the premium will be based on the information, rates
and rules in
effect at that time for the issuing insurance company. Please refer to the actual policy for complete
coverage of a particular policy. Policy forms vary by state and may be changed by each insurer without
Zenefits does not guarantee that you will qualify for any
products or services
offered by any insurance company. Do not cancel any current health insurance coverage until you
approval letter and insurance policy, also known as insurance contract or certificate, from the
company you select. Make sure you understand and agree with the terms of the
As a result of contractual relationships between Zenefits and certain
insurance companies and
others, Zenefits may receive a referral fee or commission share with respect to insurance sold to you by
company. It is possible that several competing products may be available at the same, or similar,
pricing and that the
sale of one of them may result in a higher total compensation paid to us than the sale of another.
The information you provide us in any quote request is on a strictly
voluntary basis. By
voluntarily providing your contact information to us, you are consenting to be contacted for
telemarketing purposes by
via telephone, text message, email or other legally permissible means. In addition, by providing us with
information, you are consenting to being contacted by insurance companies and/or brokers and agents via
for telemarketing purposes in connection with your application or in response to your request. You
understand that your
telephone company may impose charges on you for these contacts.
You may contact us at any time to change your preference of how we
communicate with you. We
honor requests made to be added to our internal do not call list, within a reasonable period of time,
and we will then
no longer call you at such phone numbers again, unless you subsequently provide us your proper
"Sidecar Health", "Sidecar Health insurance", "Sidecar Health coverage" and
"Sidecar Health plans", collectively, refer to the fixed indemnity insurance product marketed and
administered by Sidecar Health Insurance Solutions, LLC. and underwritten by the insurance carriers
described below. 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, Maryland, 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, Kentucky,
Mississippi and Ohio 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
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
‡ 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
† Savings estimate based on a study of more than 1 billion claims comparing
self-pay prices for a frequency-weighted market basket of procedures to insurer-negotiated rates for the
same. Claims were collected between July 2017 and July 2019. R. Lawrence Van Horn, Arthur Laffer, Robert
L. Metcalf. 2019. The Transformative Potential for Price Transparency in healthcare: Benefits for
Consumers and Providers. Health Management Policy and Innovation, Volume 4, Issue 3.
‡‡ 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
Sidecar Health issues only individual policies and does not offer group