What is Medical Cost Sharing?
Medical Cost Sharing is an innovative non-insurance solution for managing large, unexpected medical expenses.
Experience Peace of Mind for Life’s Unexpected Medical Costs
Secure
Member Contributions are protected in a FDIC-insured bank account.
Affordable
Our members save significantly while sharing with others.
Human
People helping people is the central focus of our non-profit Community.
Sedera brings together a powerful Community of individuals and families to be active and engaged participants in their health care decision making.
Here is a quick look at our Community’s Medical Cost Sharing success:
$
Shared
%
of Eligible Needs Shared
%
Cost Savings through Negotiations
%
Member growth year-over-year
Did you know that sharing communities have existed for over 40 years?
Sedera is creating a Medical Cost Sharing experience that is in a league of its own.
How Medical Cost Sharing Works
Did You Know?
Member-to-Member Sharing
Our cutting edge sharing technology allows Members to directly support each other in their time of need.
As a member you will contribute monthly through a Medical Cost Sharing account that you will open during enrollment. It’s quick and simple!
Find the Right Solution
Sedera offers a refreshingly different healthcare experience to both employers and individuals.
You’ve Got This, We’ve Got You
Our Members are cash pay patients who shop directly for their medical care.
No Card. No Network. No Problem.
Sedera Members are educated and empowered to make the right decision for themselves and the larger Community.
Here are some of the resources we provide to support Members in their Cost Sharing journey.

Cash Pay Shopping Tools
Find medical care in your area that has set cash pay friendly prices using our community-sourced shopping tools?

The RX Marketplace*
Choose the most affordable and most convenient delivery option for your prescription using The Rx Marketplace.

Member Rewards
Members are rewarded for Community-minded actions like understanding the Guidelines, engaging in healthy lifestyle activities and shopping for best value care.

Direct Care Map
Find a membership based direct primary care doctor or a free market surgery center from our Direct Care finder!
A Transparent Sharing Experience

No run around and no surprises.
What to Do When You Have a Medical Need:

Did you know?
One Member contribution can help more than one person!
Open a Needs Case
When you experience an unexpected accident or illness open a Needs Case and submit eligible medical bills.
Pay your portion
Pay your personal responsibility portion of the Medical Need, which is called an Initial Unshareable Amount, or IUA. Then submit all remaining medical bills to the Community to be shared.
Receive Funds
Contributions from other Member’s Medical Cost Sharing accounts are deposited directly into your sharing account.
Pay Your Provider
From there, simply pay your provider!
Get Your Free Guide: 5 Ways to Save on Medical as a Direct Pay Patient
Is Sedera Medical Cost Sharing right for you?

We Are Engaged Shoppers
Paying directly for your medical costs empowers you to be in control of your total costs. Our team of experts help savvy cash pay patients save 30-50% on small and large medical costs.

We Have Options
No one is going to tell you which doctor is in your network, because there are no networks! You choose the care and provider that is right for you.

We Lead Healthy Lifestyles
Community Members commit to healthy lifestyles to reduce unnecessary medical expenses and have more to share with one another.

We Care About One Another
Because we share medical bills, we are thoughtful about the way we spend each other’s contributions.
Talk to a Medical Cost Sharing Expert Today
Find out if Sedera is right for you.
I’m already a Member who has questions.
While Sedera operates in most states, there are a few exceptions. Click here to learn more.
WARNING: 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.