Introduction
Did you know that sharing communities have existed for over 40 years? Here’s how medical cost sharing works:
- Members Work Together
- Every Member Contributes
- Medical Bills are Shared Directly
To keep costs down by shopping for the best value and making smart choices.
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.
From one Member's Medical Cost Sharing Account to another when a Member experiences a large unexpected Medical Need.
Medical Cost Sharing for Businesses
The Sedera Medical Cost Sharing Community exists so members can help each other with large, unexpected medical expenses. The Sedera Membership experience is refreshing and empowering for businesses and their employees.
- Effectively Control Healthcare Costs
- Offer Your Employees Affordable Options
- Enjoy Flexibility and Transparency
Group Membership options keep your healthcare costs low while offering your team a refreshing alternative to healthcare.
We believe that one size does not fit all when it comes to a solution to manage healthcare costs. Our options start as low as $117/mo.
Sedera Members build direct relationships with their medical providers. There are no networks, so no one is in the middle of your healthcare decision-making.
Sedera Cheat Sheet
- Medical Cost Sharing
- Initial Unshareable Amount (IUA)
- Membership Guidelines
- Monthly Contribution
- Need
- Share/Sharing
A membership-based non-insurance arrangement established for the purpose of sharing legitimate health care expenses between Members.
A membership-based non-insurance arrangement established for the purpose of sharing legitimate health care expenses between Members.
What every Member is asked to read and sign acknowledging they understand how sharing and the Sedera community functions.
The monthly cost, per Member, contributed to the Needs of the Community.
All of the medical expenses related to a single accident or illness that exceeds the Member’s Initial Unshareable Amount (IUA).
When the Medical Cost Sharing community steps in to give toward the costs of your Medical Need. (*Never say “cover” or “coverage”).
Sedera Medical Cost Sharing Members Enjoy
- Low Monthly Cost
- Access from Anywhere
- Member Advisors
- Price Transparency
- Out of Pocket Limits
- Expert Second Opinions
Monthly Costs start as low as $106 for an individual Member
There’s no such thing as “out-of-network” with Sedera. We go where you go.
Our expert advisors will help you navigate the complex world of medical care.
Always know your out-of-pocket costs before you receive care
Need-related costs are capped after 3 medical needs for an individual (5 for a family) in a 12-month period.
Get 2nd opinions on surgeries and new diagnoses from some of the world’s top doctors.
Includes
24/7 Telemedicine
Bill Negotiations
Member Rewards
Affordable Monthly Costs
Pre-existing conditions:
Sharing Conditions
A condition is considered pre-existing if a member had symptoms or treatment in the last 36 months at the time of joining the community
- + Year 1 Not sharing for the condition
- + Year 2 $15,000 sharing limit for the condition
- + Year 3 $30,000 sharing limit for the condition
- + Year 4 Not sharing for the condition

Join the Community!
Thanks for taking the time to learn about Medical Cost Sharing.
- Design Your Membership
- Tell Us About Yourself
- Open a Sharing Account