Introduction

Did you know that sharing communities have existed for over 40 years? Here’s 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.

Sedera Cheat Sheet

• Medical Cost Sharing

A membership-based non-insurance arrangement established for the purpose of sharing legitimate health care expenses between Members.

• Initial Unshareable Amount (IUA)

A membership-based non-insurance arrangement established for the purpose of sharing legitimate health care expenses between Members.

• Membership Guidelines

What every Member is asked to read and sign acknowledging they understand how sharing and the Sedera community functions.

• Monthly Contribution

The monthly cost, per Member, contributed to the Needs of the Community.

• Need

All of the medical expenses related to a single accident or illness that exceeds the Member’s Initial Unshareable Amount (IUA).

• Share/Sharing

When the Medical Cost Sharing community steps in to give toward the costs of your Medical Need. (*Never say “cover” or “coverage”).