Medical Cost Sharing

An Insurance Alternative That's Saving Employers Thousands

The Basics

Instead of paying monthly premiums to an insurance company, members share a given amount on a monthly basis and draw from community funds as medical Needs arise. Monthly shares are generally lower than typical insurance premiums. Through Sedera’s medical cost sharing model, members save between 30 – 50% of the costs that are typically incurred with health insurance plans.

Freedom From Network Limitations – See Any Doctor or Hospital You Choose

Sharing Begins as Low as $500 per Need

Big Savings Over Health Insurance – Typically 30-50% Less Expensive

Needs Are Shared With The Community 

1 Million Members / 1$ Billion in Sharing Industry Wide

Promotes Healthy Lifestyles

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Testimonials

 

With traditional insurance, our employees continually felt like they made less and less money because their insurance kept going up. Every year we would have to water down our coverage because of the 10-15% increase. Not with Sedera.

Rick Rodgers - Crowder RV

Now having entered our third year with Sedera Health, I can confidently say Sedera is an excellent option to drive down healthcare costs for my business and employees while providing a high- quality healthcare solution.

Jeff Peek - Peek, Toland and Castañeda

I am supremely thankful for how Sedera goes about business and I definitely feel that you put the client first.

Kevin Castaneda - Reality Church

Sedera helps us put our employees first. Being a part of a healthcare sharing community keeps our employees healthy and relieves their financial burden. Before Sedera we were only able to pay 50-60%, and now we are able to pay 100% which provides more disposable income for them. When you compare our previous healthcare experience with joining the Sedera community, the difference is tremendous. There’s no doubt in my mind we made the right choice for our team.

Laz Garza - Aztec Bolting

Member Services

Medical Cost Sharing

Members take part in a medical cost sharing model that is high quality, affordable, accessible and above all, effective. This alternative to health insurance offers lower monthly costs, reduced cost of care and compliance and credibility.

Personal Member Advisor

Advisors work with Sedera members everyday. From finding the best doctor for their children to getting the best price on medications, their job is to ensure each member has a wonderful experience and gets the best results possible from Sedera Health.

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Telemedicine

Members are provided unlimited use of 24/7/365 board-certified and state licensed physicians conveniently available via phone or online. These doctors are able to assess the member's situation and when appropriate, prescribe medications.

Expert Second Opinion

Members have peace of mind knowing they are getting the very best advice with an expert second opinion. They can speak with the best doctors in the world via phone or video consultation. All the best services without the travel, paperwork and costs.

Employers Typically Save 30-60%. Ready to Find Out How Much You’ll Save?

 

Frequently Asked Questions

 

What is the advantage of Medical Cost SHaring not being the same as traditional insurance?
When health care costs are paid by someone other than the person receiving care, typically an insurance company or government entity, the health care model can be undermined. We believe many of the current problems with the healthcare system are the direct result of restricting personal freedom and responsibility through dependence on third-party payors. Sedera is designed to allow Members to help one another while maintaining freedom of choice and personal responsibility.
CAN I CHOOSE MY OWN DOCTORS AND HOSPITALS?
Absolutely! Having the personal freedom to choose the medical providers of your choice is fundamental to our values. Member Advisors will be happy to assist you in providing quality information to help you decide on the best provider(s), but there are no “out-of-network” penalties.
IS THERE A LIFETIME OR YEARLY MAXIMUM AMOUNT THAT IS ELIGIBLE FOR SHARING FOR ANY ONE PERSON OR FAMILY?
There is no specific annual maximum dollar amount or lifetime maximum limits per member, though certain dollar amounts and/or visit limits apply to specific types of medical care and therapies. Sharing is only limited to the cumulative contributions received from participating members in any given month. There is, however no limit on the number of needs that an individual member or household may have. Additionally, no single need may consume more than one third (1/3) of the total number of shares available in order to assure ample shares for all members.
How can I be sure this really works?
The concept of medical cost sharing has been highly successful within the confines of faith-based Christian groups for more than 25 years. More than one million members have shared over a billion dollars in medical expenses over that span of time. Hence, there is strong precedence in the concept. We believe that a community of health-conscious people who care for their fellow man can successfully participate in the sharing of one another’s medical burdens. It is important to note that past successes by faith-based sharing groups assisting one another is no guarantee of the future success of similar programs. There is no promise or contract by Sedera or the Members to contribute toward any need you might have in the future. The only promise by Sedera is to facilitate the voluntary shares given through the medical cost sharing process. Sedera distributes these monthly contributions on behalf of those Members with needs.
What kind of needs to members share?
In general, needs for illnesses or injuries resulting in visits to licensed medical providers, emergency rooms, diagnostic testing facilities, laboratory or hospitals charges are shared on a per person, per incident basis. See Sections 6-9 of the Member Guidelines for details.

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