SELECT+ Medical Cost Sharing
The Sedera Medical Cost Sharing Community exists so members can help each other with large, unexpected medical expenses.
Introduce a Refreshingly Different Option to Your Team
Schedule a call with one of our Medical Cost Sharing experts
to find out if Medical Cost Sharing is right for you and your team.
How Medical Cost Sharing Works
We All Work Together
Every Member commits to a set of ethical beliefs and principles, which include:
- Contributing to other Member’s Medical Needs
- Being a savvy shopper
- Leading a Healthy Lifestyle
- Building a strong relationship with their medical provider
Engaged health care consumers are the heart and soul of the Medical Cost Sharing Community.
Every Member Shares
When you join Sedera, you immediately start contributing to the Sedera Medical Cost Sharing Community on a monthly basis.
Every Member opens a Medical Cost Sharing account as the first step in this process. This is the place where you deposit your monthly Membership Contribution and the place where other Members share with you.
You know how much to contribute monthly based on the Membership they have designed.
Designing Your Medical Cost Sharing Membership
To design your Membership, decide the following two things:
- Who in your family will participate?
- How much do you want to pay for a Medical Need before asking the Community to share? (This amount is what we call an Initial Unshareable Amount or IUA.)
See pricing below for some of our Membership options!
You Pay Your Medical Provider
When the Community shares in your Medical Need, you pay your doctor for the services they provide.
This is intentional. You are a cash pay patient who works directly with your doctor to decide on the best care at the best price. No third parties are involved in this transaction, but you have a supportive Community behind you when you need it most.
Monthly Membership Contributions
|Initial Unshareable Amount (IUA) for Select+|
|$500 IUA||$1,000 IUA||$1,500 IUA||$2,500 IUA||$5,000 IUA|
|Member + Spouse||$628||$433||$381||$346||$320|
|Member + Child(ren)||$567||$395||$350||$318||$295|
|Member + Family||$897||$620||$546||$496||$459|
|Member Only Under 30||$210||$169||$152||$137||$126|
|Member + Spouse Under 30||$489||$384||$340||$299||$272|
|Member + Child(ren) Under 30||$426||$337||$300||$267||$244|
|Member + Family Under 30||$711||$557||$494||$434||$394|
The above monthly membership contribution costs include the Member Share Amount and Member Services Fees of $65 for Member Only, $110 for Member + Spouse and Member + Child(ren), and $160 for Member + Family. They also include the costs for Telemedicine and Expert Second Opinion Services, and the monthly banking fee of $3 per month.
Sedera Medical Cost Sharing households with one or more tobacco users (which includes vaping) contribute an additional $75.00 per month. If the Member who is a tobacco user is over the age of 50, then Medical Needs for that Member are limited to $25,000 for each of the following: Cancer, Respiratory disease, Vascular disease including coronary disease and stroke, Oral and Esophageal disease and Gastric and Duodenal Ulcers. See Section 8 and the Appendix of the applicable Sedera Guidelines for additional details.
Get Started in 3 Easy Steps
Talk to an expert who can help you know if Medical Cost Sharing is right for your team.
Work with a Sedera Certified Affiliate to introduce this innovative solution to your team.
Empower your team to navigate their healthcare costs and choices with confidence.
Let’s Get Started
Talk to an Medical Cost Sharing Expert Today
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.