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What is Cardiorespiratory Endurance and How Can You Build it?

by Team Sedera | Mar 25, 2025 | Health & Wellness

What is Cardiorespiratory Endurance and How Can You Build it?   Did you know that improving your cardiorespiratory endurance can reduce your risk of hypertension and other associated heart diseases? As with muscular strength, muscular endurance, and flexibility,...

Savvos Cash Pay Marketplace: Shopping for Affordable Healthcare Simplified

by Team Sedera | Mar 25, 2025 | Shopping for Healthcare

Savvos Cash Pay Marketplace: Shopping for Affordable Healthcare Simplified   Sedera and Savvos — A better healthcare experience! Sedera has partnered with the nation’s largest cash pay marketplace to provide our Medical Cost Sharing Members with a simple,...

You’ve Been Told You Need Surgery. Now What?

by Team Sedera | Mar 25, 2025 | Cash Pay Savvy

You’ve Been Told You Need Surgery. Now What?   No one wants to hear that they need surgery, which can be a major medical procedure that impacts physical and financial health. However, there are excellent tools and resources available to manage medical...

How to Be Your Own Advocate as a Cash Pay Patient

by Team Sedera | Mar 25, 2025 | Cash Pay Savvy

How to Be Your Own Advocate as a Cash Pay Patient   Medical Cost Sharing is a free market, non-insurance solution to paying for medical care — as a cash pay patient. It does require learning how to be a savvy healthcare shopper, but the rewards of being in charge...

How to Make the Most of Your Sedera Medical Cost Sharing Membership

by Team Sedera | Mar 25, 2025 | Sedera Savvy

How to Make the Most of Your Sedera Medical Cost Sharing Membership   Whether you recently joined Sedera or have been a Member for years, we’re so glad to have you in the Sedera Medical Cost Sharing Community! We’re committed to providing a best-in-class...
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While Sedera operates in most states, there are a few exceptions. Learn more about our state availability.

WARNING: The Sedera Medical Cost Sharing Community, a Covenant HealthShare, Inc. Benevolence fund (hereinafter “Sedera”), is not an insurance company nor is it insurance. Membership in Sedera is not issued or offered by an insurance company. Whether a member/household chooses to provide monetary assistance to you and/or your household to help with your medical expenses is entirely voluntary. Neither you nor Sedera has any right to compel payment of medical cost sharing costs from any member. A membership with Sedera should never be considered similar to a group insurance policy or an individual insurance policy.

Transparency in Healthcare Sharing Ministry:
It is important to understand that these ministries are not insurance providers. Instead, they function as communities where members voluntarily contribute funds to assist fellow members with their medical expenses.

Unlike insurance policies, participation in a healthcare sharing ministry is entirely optional, and members decide whether or not to provide financial support to other members in need. Neither the individual seeking assistance nor the healthcare sharing ministry can demand or require payment from its members.

A healthcare sharing ministry should not be viewed as an insurance policy, either group or individual, as it operates on principles of voluntary financial assistance among its members. It’s crucial to recognize these distinctions when considering participation in such a community.

In your capacity as a member of this Healthcare Sharing Ministry, it is crucial to understand that regardless of whether you receive financial assistance for medical expenses or if this membership continues to operate, you will always be personally responsible for any unpaid medical bills. You do not possess any legal entitlement to seek reimbursement or indemnification for such expenses from Sedera, Covenant Health Share Inc., or any other member or household.

This agreement does not constitute a legally binding commitment to reimburse or indemnify you for your incurred medical costs. Instead, it serves as an opportunity for you to assist fellow members in need and, when you find yourself in need, to present your medical bills to other members and households in accordance outlined guidelines. Any financial assistance received will be provided by fellow members and/or households that are managed through the Sedera Medical Cost Sharing Community, a Covenant HealthShare Inc. Benevolence fund.

*DISCLAIMER: Any relationship with a third-party provider is solely between the Member and the respective provider; Sedera is not a party to that relationship and assumes no responsibility or liability in connection therewith. SEDERA MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, REGARDING WEBSITES, RESOURCES, MATERIALS, PRODUCTS, TRANSACTIONS, OR SERVICES PROVIDED BY THIRD PARTIES. Members are solely responsible for evaluating and engaging with any third-party service providers, and Sedera cannot assist with any disputes or issues arising from such third-party providers or services.

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