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Teams

Introduce a fresh and affordable health insurance alternative to your team members. Reduce costs and put more money back in the hands of your team members.

Is Sedera Medical Cost Sharing right for you?

This is Sedera

How it Works

Sedera is not insurance. It is a cost-sharing membership and platform that shares large and unexpected medical expenses.

Control Costs

Your team can plan for the unexpected, and join the many who save up to 60% on healthcare costs*

Choose Your Care

There’s no such thing as out-of-network. We go where our Members go, including 24/7 telemedicine.*

Make Informed Decisions

Your team can take charge by using our tools to get the most out of their care.

Get Real Support

Members are supported by the Sedera team and a Community that cares, every time they need us.

How it Works

Sedera is not insurance. It is a cost-sharing membership and platform that shares large and unexpected medical expenses.

Control Costs

Your team can plan for the unexpected, and join the many who save up to 60% on healthcare costs*

Choose Your Care

There’s no such thing as out-of-network. We go where our Members go, including 24/7 telemedicine.*

Make Informed Decisions

Your team can take charge by using our tools to get the most out of their care.

Get Real Support

Members are supported by the Sedera team and a Community that cares, every time they need us.

Membership Contribution Costs

Choose the best membership for you and your budget from many affordable options.

IUA$500.00$1,000.00$1,500.00$2,500.00$5,000.00
30 and up
Member Only

$337

$239

$212

$194

$181

+ Spouse

$721

$497

$437

$397

$367

+ Children

$651

$453

$402

$365

$339

+ Family

$1,029

$711

$627

$569

$527

Under 30
Member Only

$241

$194

$174

$157

$145

+ Spouse

$561

$441

$390

$343

$312

+ Children

$489

$387

$344

$306

$280

+ Family

$816

$639

$567

$498

$452

IUA
$500$1,000$1,500$2,500$5,000
Member Only 30 and Over

$337

$239

$212

$194

$181

+ Spouse 30 and Over

$721

$497

$437

$397

$367

+ Children 30 and Over

$651

$453

$402

$365

$339

+ Family 30 and Over

$1,029

$711

$627

$569

$527

Member Only Under 30

$241

$194

$174

$157

$145

+ Spouse Under 30

$561

$441

$390

$343

$312

+ Children Under 30

$489

$387

$344

$306

$280

+ Family Under 30

$816

$639

$567

$498

$452

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.

An “IUA” is the amount Members feel comfortable paying per injury or illness without help from the Community.

Please see the applicable Sedera Membership Guidelines for details.

Start with These Simple Steps - Teams

Talk to a Medical Cost Sharing Expert

Invite Sedera to Talk with Your Team Members

Provide Link for Your Team Members to Join

Membership Features

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.

SELECT +

Member Pricing

SELECT +

Member Pricing + DPC Pricing

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

"Many people feel trapped by insurance. But there are other options. You can join a Cost-Sharing community, have Telemedicine, have Direct Primary Care."

Alex, General Manager -Luella’s BBQ

"Nobody wants to pay into a broken system. We want to put our dollars towards something that’s really working for the patient or the customer."

- Jeff, Owner - Luella’s BBQ
Is an Individual Solution the Best for You?

Not looking for a Team Solution? We have options for you and your family. Check out our Access+ for Individuals and Families.

View our legal resources.

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

DISCLAIMER: The Sedera Medical Cost Sharing Community is not an insurance company and the Sedera Medical Cost Sharing membership is not issued or offered by an insurance company. Whether any Member chooses to send monetary assistance to you and/or your household to help with your medical expenses will be totally voluntary and neither you nor the Sedera Medical Cost Sharing Community has any right to compel payment of medical cost sharing costs from any Member or household. The Sedera 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 is not an employee welfare benefit plan, an employer sponsored health plan, or multiple employer welfare association (MEWA). Whether you receive any money for medical expenses, or whether or not this membership continues to operate, you as the Member will always 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 or any other member or household. This is not a legally binding agreement to reimburse or indemnify you for the medical expenses you incur, but is an opportunity for you to assist other members in need, and when you are in need, to present your medical bills to other Members as outlined in these guidelines. There is no guarantee of payment of medical expenses by the Sedera Medical Cost Sharing Community or other Members. The financial assistance you may receive will come from other Members and/or households, and not from the Sedera Medical Cost Sharing Community. The sharing of medical expenses is completely dependent on and only possible through the contributions of Members and therefore the corresponding medical expense requests by Members could result in sharing being prorated or unavailable for a given month.