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.

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.

Current Members:

memberservices@sedera.com (855) 973-3372

Prospective Members:

sales@sedera.com (800) 473-5472

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