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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


Member Contributions are protected in a FDIC-insured bank account.


Our members save significantly while sharing with others.


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:




of Eligible Needs Shared


Cost Savings through Negotiations


Member growth year-over-year

Last Updated September 1, 2020

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

Members Work Together
to keep costs down by shopping for the best value and making smart choices.
Every Member Contributes
a fixed monthly contribution to support the Community. Sedera partners with an FDIC-insured bank that uses secure personal Medical Cost Sharing accounts to facilitate the sharing process.
Medical Bills are Shared Directly
from one Member's Medical Cost Sharing Account to another when a Member experiences a large unexpected Medical Need.

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.

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!

*Some services are not included in all memberships. Talk to your Member Advisor to learn more.

A Transparent Sharing Experience

The Sedera Medical Cost Sharing Community is a non-profit organization that exists so members can help each other with significant medical expenses. If the Medical Cost Sharing Guidelines say that your medical Need is shareable, it is.

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

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Is Sedera Medical Cost Sharing right for you?

The Sedera Cost Sharing Community is made up of individuals and families who support one another in 
leading a healthy lifestyle and staying engaged in their healthcare.

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.

Don't take our word for it...

We’ve always been people that liked going against the tide. In the beginning, we were fearful but now that we are understanding it more, we’re no longer afraid. We are really happy with the people we have dealt with at Sedera. I am very happy. The customer service is amazing!

-Mimi, Group Admin

Don't take our word for it...

Sedera has exceeded our expectations. Shared Needs have been paid out correctly and timely just as advertised. No hidden loopholes. The Member Services Team has been extremely professional, knowledgeable, and helpful. One phone call and all questions answered. I have been used to traditional health plans my entire life and was initially concerned about how this Medical Cost Sharing would fare. No concerns here any longer. Highly recommend.

-Mark R

Don't take our word for it...

Our Needs Coordinator is amazing and has always been super helpful, detailed, and concerned to take care of our family’s Needs. She has gone out of her way to make sure our complicated bills and Needs are worked out and we understand what is going on.”

-Jessica B

Don't take our word for it...

We don’t write that many reviews…but this is warranted. These days, there are not too many companies that excel in their customer service, and TRULY care about their customers. This is our 2nd year with Sedera. We would give them 10 stars, especially the Needs Coordination team. This is unreal! We’d like to thank Sedera for helping us out with our complicated Needs and working with us to help us out. We appreciate it very much!”

-Lisa K

Talk to a Medical Cost Sharing Expert Today

Find out if Sedera is right for you.

I’m already a Member who has questions.


7171 Southwest Parkway             Bldg 300, Suite 350
Austin, TX 78735

Current Members:
(855) 973-3372

Prospective Members:
(800) 473-5472

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