Cash Pay Savvy

Learn how to save money and negotiate your healthcare costs as a Cash Pay patient.

How to Be Your Own Advocate as a Cash Pay Patient

Navigating the healthcare system is challenging. Learn how Sedera Members have freedom of choice and are their own advocates as cash pay patients.

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

A step-by-step for Sedera Members. Plus, our Medical Shopping Concierge service helps find value-driven prices on local providers and procedures, and Members have access to Savvos, the nation’s largest cash pay marketplace for outpatient surgery and more.

While Sedera operates in most states, there are a few exceptions. Learn more about our state availability.

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.

Current Members:

memberservices@sedera.com (855) 973-3372

Prospective Members:

sales@sedera.com (800) 473-5472

About Sedera

Member Principles & Commitments Membership Guidelines

Memberships

Individual Memberships Team Memberships Join Us

Partnerships

New Affiliates Affiliate Portal Physician Referrals DPC Portal

View our legal resources

While Sedera operates in most states, there are a few exceptions. Learn more about our state availability.