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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...

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. 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.

How did you hear about Sedera?

I spoke with a Sedera Sales Representative or Affiliate

I was offered Sedera through a group/employer

I found out about Sedera on my own

How did you hear about Sedera?

Please enroll through the link provided to you by your Sales Representative or Affiliate.

Contact Us

sales@sedera.com
(800) 473-5472

How did you hear about Sedera?

Please contact your organization's representative for the correct enrollment link or contact member services for assistance.

Contact Us

memberservices@sedera.com
(855) 973-3372

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Please select the option that best applies to you:*

I'm an individual or family

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Individual or Family

Sedera MCSC is not available in all states. Refer to our State Availability page for details.

What brings you to Sedera?*

My current healthcare solution is too expensive

Change in employer-related coverage

I do not like the traditional health insurance model.

I already am using a Medical Cost Sharing and looking for an alternative

I’m just shopping and want to learn more

Are you between the ages of 18-65?*

Yes

Sorry, Sedera may not be a good fit. Unfortunately, our products are only available to those who are between the ages of 18 and 64.

Organization or Business

Sedera MCSC is not available in all states. Refer to our State Availability page for details.

Do you currently offer healthcare as a benefit to your employees?*

Yes

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How many employees are enrolled in the current offering?*

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Do you work through an insurance broker now?*

Yes

How did you hear about Sedera Medical Cost Sharing?

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My Doctor

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By submitting this form, I consent to be contacted by Sedera and its affiliates via phone call, SMS text message (including autodialed or prerecorded messages), or email. Message and data rates may apply. Message frequency may vary. I understand that my consent is not required to purchase products or services. My information will not be shared with unaffiliated third parties. Reply HELP for more information or STOP to opt out. See our Privacy Policy for details.