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Individuals & Families

Affordability and choice are now possible together. Sedera's medical cost sharing solution provides affordability, choice, transparency and support to pay for your healthcare expenses. Is Sedera Medical Cost Sharing right for you?

How Medical Cost Sharing Works

You Select Your Membership Level

You select your Membership level which determines your Initial Unshareable Amount (IUA). This is the amount you feel comfortable paying without help from the Community.

Every Member Contributes

When you join Sedera, you begin contributing funds for use by other Members on a monthly basis.

The Community Shares with You

If something unexpected happens, Community Members share funds to pay for any expenses beyond your IUA.

You Pay Your Doctor

You pay your healthcare provider with the shared funds, for the duration of your care.

You Select Your Membership Level

You select your Membership level which determines your Initial Unshareable Amount (IUA). This is the amount you feel comfortable paying without help from the Community.

Every Member Contributes

When you join Sedera, you begin contributing funds for use by other Members on a monthly basis.

The Community Shares with You

If something unexpected happens, Community Members share funds to pay for any expenses beyond your IUA.

You Pay Your Doctor

You pay your healthcare provider with the shared funds, for the duration of your care.

Membership Costs

Use our calculator to estimate* monthly contribution costs.

Your age
Your Initial Unshareable Amount
Do you use tobacco / vape?
Member Only

$0.00

+ Spouse

$0.00

+ Children

$0.00

+ Family

$0.00

Please select your age and your Initial Unshared Amount (IUA) above to view your estimated monthly contribution.

Definitions of Terms

A DPC model is one in which providers contract directly with patients, as opposed to insurance companies. Members pay their physician or practice directly, often in the form of a monthly membership fee, for a defined set of primary care services.

This is the amount Members feel comfortable paying without help from the Community. The IUA is determined by your Membership* level.

The monthly amount Members contribute for use by other Members on a monthly basis.

*Disclaimer: This tool provides a cost estimate and is not a guarantee of monthly contribution costs. Actual prices may vary.

Join Now With These Simple Steps

Learn about Sedera Medical Cost Sharing to decide if it is right for you.

Create a Medical Cost Sharing account with an FDIC-backed bank.

Start sharing and saving with the Sedera Community

The Power of Medical Cost Sharing + Preventive Care

Sedera + Direct Primary Care (DPC)

Experience care for life’s big and small medical events by joining Sedera Medical Cost Sharing and a DPC practice. Members of DPC practices see their doctor as often as they need to for one monthly cost. Because DPC preventive care is so comprehensive, Sedera Members also receive a discount on their Sedera Membership.

Gigsmart - Individuals & Families

Our industry-leading technology and FDIC-insured bank partner powers cost sharing.

Our expert advisors help navigate the complex world of medical care.

Our expert advisors work with outside bill negotiation vendors who specialize in seeking fair pricing on medical bills.

Members get second opinions on surgeries and new diagnoses from some of the world's top doctors.

Members find physicians near them who specialize in navigating a cash-pay system.

Members shop the best price for prescription drugs.

Educational resources and shopping tools to help Members become savvy healthcare shoppers.

Community

Community Guidelines

By reading our Membership Guidelines, Members understand what is shareable and what is not.

Principles & Commitments

Our Community is united by shared Principles and Commitments.

Community Guidelines

By reading our Membership Guidelines, Members understand what is shareable and what is not.

Principles & Commitments

Our Community is united by shared Principles and Commitments.

Testimonials

"This is my first time using Sedera. I could not believe how easy and efficient the process was. It helps to just pay the provider directly and not have to wait for approval and payment. Using the portal was a breeze. Thank you. I have already been promoting it to my own patients."

-Cynthia Thaik, Sedera Member

Being self-employed, Sedera provides a solution that allows me to lower my health care cost while improving my care. This is a community of like-minded individuals actively involved in making a difference in their financial and health well-being.

-Craig Saunders, Sedera Member

"I am so impressed with Sedera! After years of dealing with traditional health insurance companies, where customer service is non-existent and the claims process is an exasperating nightmare, the Needs sharing process with Sedera is such a pleasure! The people at Sedera with whom I have interacted, by phone or email, have all been knowledgeable, professional, efficient, and always happy to help!"

-David S, Sedera Member

"Sedera is a fantastic solution... the significant cost savings we have experienced have been a game-changer. Their excellent customer service and Member’s ability to choose their providers while saving significant costs is what makes Sedera a good alternative to traditional major medical insurance."

-Jenks Boston, Sedera Member

"We moved to Sedera from a competitor—what a difference! Sedera is efficient and organized, makes submitting Needs very simple, and shares in some basic costs like immunizations and routine mammograms. By encouraging a Direct Primary Care relationship our family has received more consistent, higher quality care in the past year than the past three with the competitor. And it has cost us far less! I can’t recommend Sedera enough."

-Jennifer Uren, Sedera Member

Not Sure If Sedera Medical Cost Sharing Is For You?

Sedera Members believe that supporting one another by sharing costs, leading health-conscious lifestyles, and making engaged healthcare choices is a better way to healthcare. See if Sedera Medical Cost Sharing is right for you by taking our quiz.

Part of a Team?

Looking for an alternative solution for your team members? Introduce Sedera Medical Cost Sharing and the opportunity to save significantly with your team.

FAQ

Questions? We thought so. Check out our FAQ section for answers.

Contact

Want to get in touch? We'd love to help.

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

DISCLAIMER: Savings and pricing may vary depending on the Membership Level and other Membership options selected. *This product is not operated, serviced, or maintained by Sedera. SEDERA MAKES NO WARRANTY REGARDING THE WEBSITES, RESOURCES, MATERIALS, PRODUCTS, TRANSACTIONS, AND SERVICES PROVIDED BY THIRD PARTIES. Sedera makes no representations or warranties that every or all memberships include any add-on/additional product(s).Note: 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.Note: Sedera medical cost sharing community 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 and/or Sedera, Inc. Are not insurance companies and the Sedera medical cost sharing membership is not issued or offered by an insurance company. You as the member 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 and/or Sedera, Inc. Or any other member or household