A Member's Story
We were paying almost $900 a month for a $7,900 out of pocket limit plan before we switched to Aliere Access. Now, we’re saving over $400 per month and our initial unsharable amount is only $500. On top of that, my wife is a big fan of having the member service team there to help her if she’s looking for a doctor. They also have Teladoc included which is pretty awesome. I wish we’d found this sooner!
I was paying $1,665 a month to Blue Cross for my family and we had a $13,500 family deductible – it was nuts! I heard about medical cost sharing on the radio. I’m hooked the low monthly cost, and my initial unshared amount is only $500 if something bad happens! Wow
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 dentist for their children to getting the best possible 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.
Frequently Asked Questions
What is The advantage of aliere access not being traditional health 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 do 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.
Get answers from a member of our enrollment team!