Sedera Health Medical Cost Sharing

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Sedera Health Medical Cost Sharing

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:

sedera primary

Primary care

sedera overall health

Specialty care

sedera emergency

Emergency room visits

sedera hospitalization

Hospitalization (in- and out-patient)

sedera surgery

Surgery (in- and out-patient)

sedera maternity

Maternity care* 

sedera diagnostics

Diagnostics Imaging (MRI, CT, PET scans)

sedera xray


sedera laboratory

Laboratory work (out-patient)

*(only if member doesn’t have access to maternity care through other means)
Please refer to the Sedera Membership Guidelines to see the fine print on how needs are shared and what limitations there are.

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

Sedera Access+ is available to individuals and families, up through age 64. Sedera Select+ is designed for businesses of five or more, but Sedera can make exceptions down to three if there is an expectation of growth.

FAQs About Sedera

Q: What is Sedera Health?

Sedera Health is a not-for-profit Medical Cost Sharing community. They facilitate sharing of medical costs among members, but they are not an insurance company.

Q: How does Sedera Health work?

When a member receives medical bills, they submit the information to Sedera. Sedera’s medical bill negotiators may contact the provider to negotiate the payment amount. Sedera will review the need and administer sharing of funds with the Member (less the member’s initial unshared amount (IUA)). The member can then use this money to pay the medical provider.

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?

No, you are free to use the medical providers of your choice.

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

Rated 4 out of 5
October 2, 2021

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.

James W

Sedera came through for me!

Rated 5 out of 5
September 9, 2021

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.

Billy S.

Works great for my small business

Rated 5 out of 5
August 14, 2021

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.

Leah B.

749 S. Lemay Ave, Suite A3-116, Fort Collins, CO 80524
Telephone: 800-913-0172 | Fax: 970-999-0989 | © 2021 - All Rights Reserved

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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.