COLUMBUS, Ohio--(BUSINESS WIRE)--Sidecar Health, a transformative health insurance company, has announced expansion of its ACA-compliant major medical employer health insurance plans into Georgia following a year of strong growth in Ohio.

俄亥俄州哥伦布市-（商业线）-Sidecar Health公司是一家转型型健康保险公司，在俄亥俄州强劲增长一年后，已宣布将其符合ACA标准的主要医疗雇主健康保险计划扩展到格鲁吉亚。

Bringing positive disruption to health insurance

积极破坏健康保险

Sidecar Health provides innovative health insurance plans that deliver unparalleled choice and access. The company has re-wired health insurance to strip away complicated restrictions while adding much-needed price transparency. It offers leading major medical coverage for mid and large size employers that finally puts consumers in the driver’s seat of their care..

Sidecar Health提供创新的健康保险计划，提供无与伦比的选择和访问。该公司已经重新连接健康保险，以消除复杂的限制，同时增加急需的价格透明度。它为中大型雇主提供领先的主要医疗保险，最终将消费者置于驾驶员的护理位置。。

“Typical insurance models pass cost to consumers by way of prior authorizations, restrictive formularies, and narrow networks. By removing these obstacles, we are making a meaningful impact on how members access care. Sidecar Health is the only health plan that deepens access to quality care by aligning incentives and providing complete transparency for employers, employees and providers alike,” said Patrick Quigley, CEO..

“典型的保险模式通过事先授权，限制性处方集和狭窄的网络将成本传递给消费者，通过消除这些障碍，我们正在对成员获得护理的方式产生有意义的影响，Sidecar健康是加深获得质量的唯一健康计划通过调整激励措施并为雇主，员工和提供者提供完全透明的护理服务，“首席执行官帕特里克·奎格利说。。

More access, better care

更多的机会，更好的照顾

The Sidecar Health model removes traditional barriers to getting quality care. “You can go anywhere you want… You don’t have to ask for a referral or ‘is this in network?’ You just don’t even think about it,” says a Sidecar Health major medical member on the unique access her Sidecar Health plan provides..

Sidecar健康模式消除了获得优质护理的传统障碍。“你可以去任何你想要的地方……你不必要求转诊或者'这是在网络中吗？“你甚至不考虑它，”Sidecar Health的一位重要医务人员在她Sidecar健康计划提供的独特通道上说。。

One excellent example of this is mental health. Today, nearly 80%1 of mental health providers do not accept insurance, significantly limiting access to critical mental healthcare. Sidecar Health group members are not only unconstrained by networks, but they also have unlimited mental health office visits, so they can get the mental healthcare they need.

一个很好的例子是心理健康。今天，近80%的精神卫生服务提供者不接受保险，严重限制了获得重要精神卫生保健的机会。Sidecar Health group成员不仅不受网络约束，而且还拥有无限的精神卫生办公室访问，因此他们可以获得所需的精神卫生保健。

Sidecar Health major medical plan members access healthcare at a rate almost twice that of other major medical health insurance plans..

Sidecar健康主要医疗计划成员以几乎是其他主要医疗健康保险计划的两倍的速度获得医疗保健。。

When it comes to consumer protections, Sidecar Health members enjoy all the protections inherent in a major medical plan and more. Sidecar Health members can rest easy knowing they have access to all healthcare with no out-of-pocket costs beyond their deductible. Additionally, once their deductible is met, Sidecar Health members will never see a bill for charges arising from emergency care and air ambulance services.

在消费者保护方面，Sidecar Health成员享有重大医疗计划中固有的所有保护等。Sidecar Health成员可以轻松地了解他们可以获得所有医疗保健服务，并且不会超出其免赔额的自付费用。此外，一旦满足其免赔额，Sidecar Health会员将永远不会看到紧急护理和空中救护车服务所产生费用的账单。

And, unique to Sidecar Health, members are also protected from balance billing arising from unplanned events that occur during a planned procedure. Given Sidecar Health has first-of-its-kind benefit transparency, members can know before they get care exactly how much their plan pays for any given covered service and can compare that with the price charged by their provider for that service.

而且，对于Sidecar Health而言，会员还受到保护，免于因计划程序中发生的计划外事件而产生的余额账单。鉴于Sidecar Health具有首创的福利透明度，会员可以在获得护理之前确切地知道他们的计划为任何给定的覆盖服务支付了多少费用，并且可以将其与供应商为该服务收取的价格进行比较。

The result is no unexpected healthcare costs..

结果不是意外的医疗费用。。

Proven success in Ohio

在俄亥俄州取得成功

Past success in Ohio demonstrates that Sidecar Health is a win-win for employers and employees alike. Members love the access and quality Sidecar Health offers and have become advocates for the game-changing impact of the model. One group’s Human Resources lead flew to Washington, D.C. to testify at a legislative hearing focused on price transparency and the impact of Sidecar Health: “It’s no secret employers pay the highest rates for healthcare in the U.S., but these investments often do not result in better benefits for employees.

过去在俄亥俄州取得的成功表明，Sidecar Health是雇主和员工的胜利。成员喜欢Sidecar Health提供的访问和高质量服务，并成为该模型改变游戏规则影响的倡导者。一家集团的人力资源领导飞到华盛顿特区，在一场关于价格透明度和Sidecar Health影响的立法听证会上证实：“这不是美国医疗保健支付率最高的秘密雇主，但这些投资往往不会为员工带来更好的利益。

Not anymore. Sidecar Health does not compromise quality or access,” said Kendy Troiano, HR manager and Sidecar Health member..

不再。Sidecar健康不会影响质量或获取，“人力资源经理兼Sidecar健康成员Kendy Troiano说。。

On average, employers switching to Sidecar Health are saving 20% on premiums versus their prior plan. And employers aren’t drawn in with low premiums that ultimately sky-rocket - renewal rate increases are low, coming in at just 4%2 on average for the 2024 plan year. Here’s how one Ohio employer put it, “I knew we were doing the right thing for the employer by saving on premiums… and once we jumped in, things have been going great for the employees.” At the time of this release, the first Georgia-based employers have made the switch to Sidecar Health, starting on 10/1.

平均而言，转用Sidecar Health的雇主与之前的计划相比，保费节省了20%。雇主没有获得低保费，最终天空火箭-续约率上涨幅度很低，2024年计划年平均仅为4%2。这就是俄亥俄州的一位雇主如何说：“我知道我们通过节省保费为雇主做了正确的事情……一旦我们跳入，员工的事情就会发生很大变化。”在本次发布时，第一个乔治亚州的雇主已经从10/1开始转向Sidecar Health。

In addition to groups and members, brokers are also embracing the innovative Sidecar Health model, recognizing its potential to revolutionize the way employers approach healthcare. “Brokers are tired of raising the deductible to the point that healthcare is unaffordable. And, this allows brokers and groups to reset that deductible and make healthcare affordable again,” said Roger, General Agent, health insurance brokerage..

除了团体和成员之外，经纪人还采用创新的Sidecar健康模式，认识到其可能彻底改变雇主接近医疗保健的方式。“经纪人们厌倦了将免赔额提高到医疗保健负担不起的程度，这使得经纪人和团体可以重置免赔额并再次使医疗保健负担得起，”健康保险经纪人总代理罗杰说。。

Delivering better health insurance to a bigger audience

向更大的受众提供更好的健康保险

“At Sidecar Health, we believe everyone deserves access to quality care,” said Quigley. “With an unwavering focus on delivering the highest quality coverage available in the market, our expansion into Georgia builds upon the success and learnings from our experience in Ohio. The strides we've taken aren't merely progress; they represent a significant leap toward a healthier, brighter future for individuals, families, and businesses.”.

Quigley说：“在Sidecar Health，我们相信每个人都应该获得优质护理。”。“坚定地专注于提供市场上最高质量的报道，我们在佐治亚州的扩张建立在我们在俄亥俄州的经验所取得的成功和学习的基础上，我们所取得的进步不仅仅是进步，它们代表了个人，家庭和企业更健康，更光明的未来“。

About Sidecar Health

关于Sidecar健康

Sidecar Health insurance plans deliver industry leading major medical coverage for mid-size and large employers. Based in Ohio, we insure members in 36 states and our benefits are available everywhere providers accept VISA or cash payment. Our mission is to make quality healthcare affordable and accessible to everyone in the US.

Sidecar健康保险计划为中型和大型雇主提供行业领先的主要医疗保险。在俄亥俄州，我们确保36个州的成员，我们的福利可在供应商接受签证或现金支付的任何地方获得。我们的使命是使美国每个人都能负担得起并获得优质医疗保健。

We believe in a world where patients have the freedom to choose any provider, and pricing is understandable and clear. So, we’ve rewired health insurance with a modern, intuitive, and tech-forward approach that removes obstacles to excellent care and empowers our members with the information they need to make smart decisions about their care.

我们相信在一个患者可以自由选择任何提供者的世界中，定价是可以理解和清晰的。因此，我们采用现代，直观和技术向前的方法重新连接健康保险，消除了优质护理的障碍，并为我们的成员提供了他们在护理方面做出明智决策所需的信息。

More at sidecarhealth.com..

更多信息，请访问sidecarhealth.com。。

*Sidecar Health Group Fully Insured Health Insurance Plans are underwritten by Sidecar Health Insurance Company.

*Sidecar Health Group完全投保的健康保险计划由Sidecar健康保险公司承保。

1 Treybig, Davis. Here’s Why Mental Healthcare Is So Unaffordable & How COVID-19 Might Help Change This. Harvard Medical School Primary Care Review. https://info.primarycare.hms.harvard.edu/review/mental-health-unaffordable

1 Treybig，戴维斯。这就是为什么精神卫生保健如此负担不起以及COVID-19如何帮助改变这一点。哈佛医学院初级保健评论。https://info.primarycare.hms.harvard.edu/review/mental-health-unaffordable

2 Rates for the 2023 – 2024 plan year as of August 2023.

2截至2023年8月的2023-2024计划年费率。