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ACCESS+ Medical Cost Sharing

FOR INDIVIDUALS AND FAMILIES

Members Enjoy

The Sedera Medical Cost Sharing Community exists so members can help each other with large, unexpected medical expenses. The Sedera Membership experience is refreshing and empowering.

24/7
Telemedicine

Member
Rewards

Rx
Marketplace

Expert
Second Opinions

Compassionate
Member Advisors

Low
Monthly Costs

Freedom
from Networks

Is Medical Cost Sharing Right for You?

Sedera offers a refreshingly different healthcare experience
to businesses, families, and individuals.

How Medical Cost Sharing Works

We All Work Together

Every Member commits to a set of ethical beliefs and principles, which include:

  • Contributing to other Member’s Medical Needs
  • Being a savvy shopper
  • Leading a Healthy Lifestyle
  • Building a strong relationship with their medical provider

Engaged health care consumers are the heart and soul of the Medical Cost Sharing Community.

Every Member Shares

When you join Sedera, you immediately start contributing to the Sedera Medical Cost Sharing Community on a monthly basis.

Every Member opens a Medical Cost Sharing account as the first step in this process. This is the place where you deposit your monthly Membership Contribution and the place where other Members share with you.

You know how much to contribute monthly based on the Membership they have designed.

Designing Your Medical Cost Sharing Membership

To design your Membership, decide the following two things:

  • Who in your family will participate?
  • How much do you want to pay for a Medical Need before asking the Community to share? (This amount is what we call an Initial Unshareable Amount or IUA.)

See pricing below for some of our Membership options!

You Pay Your Medical Provider

When the Community shares in your Medical Need, you pay your doctor for the services they provide.

This is intentional. You are a cash pay patient who works directly with your doctor to decide on the best care at the best price. No third parties are involved in this transaction, but you have a supportive Community behind you when you need it most.

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Take Control of Your Health

Experience the Power of Community

Don’t face the burden of large unexpected
 medical expenses alone. Experience the 
relief of having a Community behind you
 when the going gets tough.

Shop For the Best Prices

Our Community will help you find the best prices on medications and other medical services.

Get More Options

One-size does not fit all. Individuals should have options and flexibility when it comes to their healthcare. Sedera does not limit Members to narrow networks.

Enjoy Direct Care

Sedera Members build direct relationships with their medical providers. No one is in the middle of your healthcare decision-making.

Don't take our word for it...

HappyTrailerSales-logo
Affordable solution for small businesses to provide healthcare to employees! Our employees love it!

-Ronnie, Happy Trailer Sales

Don't take our word for it...

Jenkins-doors-and-windows_logo
We transitioned to Sedera this year because rising premiums made it impossible for us to continue offering a traditional insurance plan to our employees. We
recently submitted our first employee Need and the process couldn’t have gone smoother.

The web-based app was user-friendly and intuitive, the reimbursement check was processed quickly.

-Chuck, Jenkins Doors and Windows

Don't take our word for it...

Scout_logo
I am a small business owner in Central Texas and have been using Sedera for my family and employees for a little over a year. Obviously the cost
savings over traditional health insurance has been a huge benefit.

Being part of a Medical Cost Sharing Community has been very empowering allowing us to take control of how we approach healthcare. Highly recommend!

-Tara, Scout Lighting

It’s Easy to Join our Community!

Get to Know Us

Give us a call or drop us a line. We would love to help you understand if Medical
 Cost Sharing is right for you.

Connect With Your Local Certified Affiliate

We will connect you with a Sedera Certified Affiliate to complete your enrollment.

Start Sharing

Start sharing and start saving! And remember, we are always here to help you navigate Medical Cost Sharing.

Choose Your Monthly Contribution

Choose your Initial Unshareable Amount (the amount per medical incident that you want to be financially responsible for before the Community shares with you) and your age bracket to determine your estimated monthly contribution.
Access+ Initial Unshareable Amount (IUA)
Ages 30-39
$500 IUA $1,000 IUA $1,500 IUA $2,500 IUA $5,000 IUA
Member Only $244 $237 $212 $172 $147
Member + Spouse $467 $454 $404 $324 $274
Member + Child(ren) $449 $437 $389 $313 $266
Member + Family $678 $659 $586 $471 $398
Members Under 30
Member Only Under 30 $208 $195 $174 $153 $113
Member + Spouse Under 30 $396 $370 $328 $286 $207
Member + Child(ren) Under 30 $381 $357 $317 $278 $202
Member + Family Under 30 $574 $538 $477 $416 $300

The above monthly Membership Contribution costs include the Member Share Amount and Member Services Fees of $65 for Member Only, $110 for Member + Spouse and Member + Child(ren), and $160 for Member + Family. They also include the costs for Telemedicine and Expert Second Opinion Services, and the monthly banking fee of $3 per month. The monthly Membership contribution DOES NOT include the one-time set up fee of $30 that our banking partner charges in the first month for new households.

Sedera Households with one or more tobacco users contribute an additional $75.00 per month. If the Member who is a tobacco user is over the age of 50, then Medical Needs for that Member are limited to $25,000 for each of the following four disease categories: Cancer, Heart Conditions, COPD and Stroke. See Section 8.A. of the Sedera ACCESS+ Guidelines for more information.

Let’s Get Started

Fill out the form below for more information about a better healthcare solution for you.

Talk to a Medical Cost Sharing Expert Today

Find out if Sedera is right for you.

1-855-293-3915

I’m already a Member who has questions.

1-855-973-3372

Follow

7171 Southwest Parkway             Bldg 300, Suite 350
Austin, TX 78735

Current Members:
memberservices@sedera.com
(855) 973-3372

Prospective Members:
sales@sedera.com
(800) 473-5472

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

WARNING: SEDERA, INC. IS NOT AN INSURANCE COMPANY AND THE SEDERA MEDICAL COST SHARING MEMBERSHIP IS NOT ISSUED OR OFFERED BY AN INSURANCE COMPANY. WHILE EVERY EFFORT IS MADE TO MEET MEMBER’S MEDICAL NEEDS, SEDERA, INC. AND THE SEDERA MEDICAL COST SHARING COMMUNITY DO NOT GUARANTEE PAYMENT OF ANY MEDICAL EXPENSE.