Sedera is not health insurance. It's better.

Guided Enrollment Tour

Learn more about how Sedera can work for you

Self & Family

You're an individual, with or without a family or significant other, and are looking for a better way to pay for healthcare.

Employee & Organizations

You're an employee or member of an organization who has introduced you to Sedera as an affordable, reliable healthcare payment option.

Business Owners

You're a business looking to introduce your team to an affordable and reliable healthcare payment option.

DPC

You want to know about referring your patients and want to be added to the Sedera DPC Finder.

Self & Family

You're an individual, with or without a family or significant other, and are looking for a better way to pay for healthcare.

Employee & Organizations

You're an employee or member of an organization who has introduced you to Sedera as an affordable, reliable healthcare payment option.

Business Owners

You're a business looking to introduce your team to an affordable and reliable healthcare payment option.

DPC

You want to know about referring your patients and want to be added to the Sedera DPC Finder.

This is Sedera

Sedera Medical Cost Sharing is peer-to-peer sharing of medical costs through a membership-based community.

How it Works

Sedera is not insurance. It is a cost-sharing membership and platform that shares large and unexpected medical expenses.

Control Costs

Plan for your budget, and the unexpected, with affordable monthly costs.

Choose Your Care

There's no such thing as out-of-network. We go where you go.

Make Informed Decisions

Your team can take charge by using our tools to get the most out of their care.

Get Real Support

Speak with real experts to help you navigate your care, anytime you need us.

How it Works

Sedera is not insurance. It is a cost-sharing membership and platform that shares large and unexpected medical expenses.

Control Costs

Plan for your budget, and the unexpected, with affordable monthly costs.

Choose Your Care

There's no such thing as out-of-network. We go where you go.

Make Informed Decisions

Your team can take charge by using our tools to get the most out of their care.

Get Real Support

Speak with real experts to help you navigate your care, anytime you need us.

Individual: Health Insurance vs Medical Cost Sharing

Health Insurance - $5,000 Deductible
Medical Cost Sharing - $500 IUA
Dr. Visit 1
$60
Co-Pay + RX
$100
Appt + RX
Dr. Visit 2
$135
Co-Pay + Shot
$150
Appt + Shot
Dr. Visit 3
$60
Co-Pay + RX
$100
Appt + RX
Dr. Visit 4
$135
Co-Pay + Shot
$150
Appt + Shot
Specialist
$35
Co-Pay
SHARED
Surgery
$2100
SHARED
Patient Out of Pocket
$2,525
$500
+ Annual Costs
$21,000
$8,500
Totals
$23,525
$9,000

Prices may vary

Health Insurance - $5,000 Deductible

Co-Pay + RX
$60
Co-Pay + Shot
$135
Co-Pay + RX
$60
Co-Pay + Shot
$135
Co-Pay
$35
$2,100
$2,525
$21,000
$23,525

Dr. Visit 1
Dr. Visit 2
Dr. Visit 3
Dr. Visit 4
Specialist
Surgery
Patient
out-of-pocket
+
Annual Costs
Total

Medical Cost Sharing - $500 IUA

$100
Appt + RX
$150
Appt + Shot
$100
Appt + RX
$150
Appt + Shot
SHARED
SHARED
$500
$8,500
$9,000

Prices may vary

Member Success Stories

Don’t take our word for it. Hear it from our Partners and Members

“By switching to Sedera, my family and I are saving over $1000 a month from health insurance cost. Not only do you have peace of mind, but it’s more affordable.”

Chris, Founder - Physio

"Sedera is a first class organization that's changing healthcare. If you are looking for an affordable alternative to the status quo traditional insurance model this is a fantastic solution. They really care about their Members!"

David, Sedera Member

“Sedera’s different. It introduces an alternative option to Team Members that’s more affordable—and more supportive. Sedera also frees up HR and CFOs so they don’t have to deal with a health insurance plan, and they can focus on the things they really need to be focused on instead.”

Cindy
, HR Solutions
 - Affiliate

"Sedera is the real deal and it's a much better alternative to traditional health insurance. Sedera lowered my monthly costs while still giving me complete freedom to go to any provider I want. Now that I've joined, there's no way I'm returning to traditional healthcare insurance!!"

Nigel, Sedera Member

"I cannot recommend Sedera highly enough. We have told hundreds of our colleagues, friends, and family about them because they are such great people and we truly believe in their medical cost sharing program. When I had a skiing accident and needed to turn to Sedera, they were so supportive and helpful. The experience with Sedera is such a refreshing change!"

Grace, Sedera Member

FAQ

Questions? We thought so. Check out our FAQ section for answers.

Contact

Want to get in touch? We'd love to help. Schedule a meet with Travis!

For legal resources click here

While Sedera operates in most states, there are a few exceptions. Click here to learn more.

DISCLAIMER: The Sedera Medical Cost Sharing Community is not an insurance company and the Sedera Medical Cost Sharing membership is not issued or offered by an insurance company. Whether any Member chooses to send monetary assistance to you and/or your household to help with your medical expenses will be totally voluntary and neither you nor the Sedera Medical Cost Sharing Community has any right to compel payment of medical cost sharing costs from any Member or household. The Sedera membership is not and should never be considered to be or to be like a group insurance policy or an individual insurance policy. The Sedera Medical Cost Sharing Community is not an employee welfare benefit plan, an employer sponsored health plan, or multiple employer welfare association (MEWA). Whether you receive any money for medical expenses, or whether or not this membership continues to operate, you as the Member will always remain liable for your unpaid medical expenses and do not have any legal right to seek reimbursement or indemnification for any such expenses from the Sedera Medical Cost Sharing Community or any other member or household. This is not a legally binding agreement to reimburse or indemnify you for the medical expenses you incur, but is an opportunity for you to assist other members in need, and when you are in need, to present your medical bills to other Members as outlined in these guidelines. There is no guarantee of payment of medical expenses by the Sedera Medical Cost Sharing Community or other Members. The financial assistance you may receive will come from other Members and/or households, and not from the Sedera Medical Cost Sharing Community. The sharing of medical expenses is completely dependent on and only possible through the contributions of Members and therefore the corresponding medical expense requests by Members could result in sharing being prorated or unavailable for a given month.