Medical Cost Sharing

An Insurance Alternative That's Saving Individuals and Families 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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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.



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.





You’re definitely friendlier on the phone [than insurance]. I want to call you just to talk to you. And you gave me all the information I needed in
5 minutes. To get through to someone in health insurance takes forever. You addressed all my issues and I have 2 hours back in my day. I would put that in your marketing material.


Jakub Sarnecki


This whole process has been a lot to learn but I love how I am always connected to a person and never an automated voice thing. She always knows who I am. I don’t have to re-explain everything and that is amazing.




This experience with you and Sedera, concerning my Need requests, has been the polar opposite [in a very good way] of the “normal” insurance process and is such a welcomed relief.


Lisa Hudson


My first experience utilizing the Sedera community came when I had an emergency c-section with my second son and then he spent ten days in the NICU. Throughout the sharing of our Need I saw how the community works through a compassionate team at Sedera. I was completely shocked at how easy it was and how much I liked being part of the process. This was so significant, I asked Sedera if I could come work for them.


Juliet Dill


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.
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.
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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