Sedera Health Medical Cost Sharing
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About Sedera Health
Sedera Health is a membership-based Medical Cost Sharing community for the purpose of sharing healthcare costs between members. It is not an insurance company, but it provides an excellent alternative to traditional insurance.
The concept behind Sedera is to get like-minded people together to share medical expenses. All members must express a belief in a healthy lifestyle, and Sedera focuses on helping all members minimize their medical expenses. Members pay a monthly contribution, which is applied to legitimate healthcare bills as needed.
An Overview of What Sedera Health Offers
For Sedera ACCESS members, initial unshareable amounts (IUA) range from $500, $1,000, $1,500, $2,500, or $5,000 per medical need.
For Sedera SELECT members, IUAs range from $500, $1,000, or $1,500 per medical need.
For both Sedera SELECT and ACCESS, there isn’t a maximum share amount. However, while the dollar amount is not capped, available funds or membership guidelines may limit sharing.
Preventive care screenings, such as colonoscopies and pap smears, are shareable prior to meeting the IUA. Childhood immunizations, before age 18, are also shareable. Telemedicine is available with a $0 consult fee and is an unlimited service.
Maintenance medications are not shareable for existing medications. Medications for new conditions, on the other hand, are shareable for the first 120 days. Curative medications are shareable as part of a need.
After the IUA, the following are eligible for sharing:
Primary care
Specialty care
Emergency room visits
Hospitalization (in- and out-patient)
Surgery (in- and out-patient)
Maternity care*
Diagnostics Imaging (MRI, CT, PET scans)
X-rays
Laboratory work (out-patient)
Any pre-existing condition that has been active or needed treatment within 36 months prior to membership is subject to sharing limitations.
Pre-existing conditions will be eligible for sharing based on how long the member has held membership. For the first year (12 months), costs are not eligible for sharing. For the second year (13 to 24 months), costs are shareable up to $25,000. For the third year (25 to 36 months), costs are shareable up to $50,000. Starting the fourth year (37 months), costs are eligible for sharing.
To make the most of this platform, you’ll want to be sure to take advantage of your Sedera Advisor whenever you have a medical need. They can help you find the right healthcare professionals, negotiate for the best prices, and even save money on surgeries.
Available for Individuals, Families, and Small Groups
FAQs About Sedera
Q: What is Sedera Health?
Q: How does Sedera Health work?
Q: What does Sedera cover?
Sedera is not health insurance, so it does not “cover” medical expenses. Instead, it facilitates sharing of expenses among members. Most medical expenses are eligible for sharing, but not all. You can read more details in the Membership Guidelines.
Q: Does Sedera use Networks?
Q: How much does Sedera cost?
Quotes and Application
Start your instant quote by selecting your State at the top or bottom of this page.
This will show you your estimated monthly share amount and take you to the Sedera Health Benefits Enrollment page.
The first step is to agree to complete the Sedera Benefits Enrollment and Lifestyle Profile.
In the second step, in the Referring Source, choose “Wiley Long.” (If you do not choose us, we will not be able to help if you ever need assistance.)
When you complete your payment information, there will also be a one-time $125 set-up fee to join the Sedera Benefits platform. In years two and beyond, there is a $50 annual membership renewal fee.
The final step will take you to the Sedera website to complete that portion of the application.
If you apply no later than the 20th of the month, your membership can be effective starting the first of the following month.
Questions about Sedera Health?
Partially self-directed healthcare plans are becoming more popular as the cost of health insurance rises. Going with an HSA-healthshare plan could be the best move for you and your family’s health and well-being.
To see what plans are available for you right now, call one of our Personal Benefits Managers at 800-913-0172.
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Sedera offers a good alternative to expense health insurance
I’d love to give my employees a good health insurance plan, but since we’re so small, there’s just no way we can afford it yet. Sedera healthshare isn’t as comprehensive as some of the group plans that we looked at, but it’s a lot more affordable. Now, we at least have something in place for a benefits package. For now, it gets the job done.
Sedera came through for me!
I was diagnosed with an immune disorder in 2019. I was already signed up with Sedera, but I was terrified that it wasn’t going to be enough to pay for what was about to come. Once I was admitted to the ICU, I thought that I’d be paying a fortune. But Sedera connected me with my needs coordinator, they handled everything. The community came together and paid for my hospital costs, just like they said they would.
Works great for my small business
I got my small business signed up with Sedera last year, after the pandemic made it clear that I needed to offer some kind of health benefit. I was losing employees to other jobs that could offer health insurance. The Sedera Select plus plan lets me contribute however much I want, giving my workers an option that’s affordable. I think it’s working … We’re pretty happy with the program so far.
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Disclaimer: All information on this website is relayed to the best of the Company's ability, but does not guarantee accuracy. Information may be out of date. The content provided on this site is intended for informational purposes only and does not guarantee price or coverage. This site is not intended as, and does not constitute, accounting, legal, tax, and/or other professional advice. Determination of actual price is subject to Carriers.