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Medical Cost Sharing

A New Future For Healthcare

Backed by a Community who cares

Is Medical Cost Sharing Right for You?

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.

Members Enjoy

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.

24/7
Telemedicine

Member
Rewards

Rx
Marketplace

Expert
Second Opinions

Compassionate
Member Advisors

Freedom
from Networks

Getting Started in
3 Easy Steps

Step 1

Start your enrollment process now, or talk to an expert to find out if Medical Cost Sharing is right for you.

Step 2

Design your Medical Cost Sharing Membership and join the Community.
Read the Community Guidelines.

Step 3

Have confidence that the Sedera Community is behind you when large, unexpected accidents and illnesses occur.
Sedera is ranked 4.4 stars on Google

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.

What is Medical Cost Sharing?

Take Control of Your Health

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Experience the Power of Community

Don’t face the burden of large, unexpected medical expenses alone. Experience the relief of having a Community behind you when the going gets tough.

Shop for the Best Prices

Our Community will help you find the best prices on medications and other medical services.
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Get More Options

One size does not fit all. Individuals should have options and flexibility when it comes to their healthcare. Sedera does not limit Members to narrow networks.
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Enjoy Direct Care

Sedera Members build direct relationships with their medical providers. No one is in the middle of your healthcare decision-making.
Read Our Membership Guidelines

Don't Take Our Word For It...

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Professional Actor

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It's Easy to Join Our Community

Get to Know Us

Give us a call or drop us a line. We would love to help you understand if Medical Cost Sharing is right for you.

Connect With A Medical Cost Sharing Expert

We will connect you with a Sedera Certified Affiliate to complete your enrollment.

Start Sharing

Start sharing and start saving! And remember, we are always here to help you navigate Medical Cost Sharing.
Schedule a Call

Choose Your Monthly Contribution

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.
View All Age Brackets Here
  • $500 Initial Unshareable Amount (IUA)
    18-29 30-39 40-49 50-59 60-64
    Member Only $208 $244 $283 $349 $601
    Member + Spouse $396 $467 $547 $677 $1,181
    Member + Child(ren) $381 $449 $525 $649 $1,127
    Member + Family $574 $678 $793 $982 $1,713
  • $1000 Initial Unshareable Amount (IUA)
    18-29 30-39 40-49 50-59 60-64
    Member Only $195 $237 $248 $300 $517
    Member + Spouse $370 $454 $475 $580 $1,013
    Member + Child(ren) $357 $437 $457 $557 $968
    Member + Family $538 $659 $690 $842 $1,469
  • $1500 Initial Unshareable Amount (IUA)
    18-29 30-39 40-49 50-59 60-64
    Member Only $174 $212 $223 $275 $481
    Member + Spouse $328 $404 $425 $530 $942
    Member + Child(ren) $317 $389 $409 $509 $900
    Member + Family $477 $586 $617 $769 $1,366
  • $2500 Initial Unshareable Amount (IUA)
    18-29 30-39 40-49 50-59 60-64
    Member Only $153 $172 $193 $246 $435
    Member + Spouse $286 $324 $366 $471 $849
    Member + Child(ren) $278 $313 $353 $453 $812
    Member + Family $416 $471 $531 $684 $1,232
  • $5000 Initial Unshareable Amount (IUA)
    18-29 30-39 40-49 50-59 60-64
    Member Only $113 $147 $166 $193 $351
    Member + Spouse $207 $274 $312 $366 $681
    Member + Child(ren) $202 $266 $302 $353 $653
    Member + Family $300 $398 $452 $531 $988
Join Now
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. The monthly Membership contribution DOES NOT include the one-time set up fee of $30 that our banking partner charges in the first month for new households.

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, Re- spiratory 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.
View ALL ACCESS+ Pricing

Let's Get Started

Fill out the form below for more information about a better healthcare solution for you.

Talk to a Medical Cost Sharing Expert Today

Find out if Sedera is right for you
1-855-400-9988 or Schedule a Call
I’m already a Member
1-855-973-3372

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7171 Southwest Parkway
Bldg 300, Suite 350
Austin, TX 78735

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Current Members:
memberservices@sedera.com
(855) 973-3372

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Prospective Members:
sales@sedera.com
(855) 400-9988

WARNING: THE SEDERA MEDICAL COST SHARING COMMUNITY AND/OR SEDERA, INC. ARENOTINSURANCE COMPANIES AND THE SEDERA MEDICAL COST SHARING MEMBERSHIP IS NOT ISSUED OR OFFERED BY AN INSURANCE COMPANY. WHETHER A MEMBER/HOUSEHOLD CHOOSES TO SEND MONETARY ASSISTANCE TO YOU AND/OR YOUR HOUSEHOLD TO HELP WITH YOUR MEDICAL EXPENSES WILL BE TOTALLY VOLUNTARY AND NEITHER YOU NOR THE SEDERA MEDICAL COST SHARING COMMUNITY AND/OR SEDERA, INC. HAS ANY RIGHT TO COMPEL PAYMENT OF MEDICAL COST SHARING COSTS FROM ANY MEMBER. THE SEDERA MEMBERSHIP IS NOT AND SHOULD NEVER BE CONSIDERED TO BE OR TO BE LIKE A GROUP INSURANCE POLICY OR AN INDIVIDUAL INSURANCE POLICY.

WHETHER YOU RECEIVE ANY MONEY FOR MEDICAL EXPENSES, OR WHETHER OR NOT THIS MEMBERSHIP CONTINUES TO OPERATE, YOU AS THE MEMBER WILL ALWAYS REMAIN LIABLE FOR YOUR UNPAID MEDICAL EXPENSES AND DO NOT HAVE ANY LEGAL RIGHT TO SEEK REIMBURSEMENT OR INDEMNIFICATION FOR ANY SUCH EXPENSES FROM THE SEDERA MEDICAL COST SHARING COMMUNITY AND/OR SEDERA, INC. OR ANY OTHER MEMBER OR HOUSEHOLD. THIS IS NOT A LEGALLY BINDING AGREEMENT TO REIMBURSE OR INDEMNIFY YOU FOR THE MEDICAL EXPENSES YOU INCUR, BUT IS AN OPPORTUNITY FOR YOU TO ASSIST OTHER MEMBERS IN NEED, AND WHEN YOU ARE IN NEED, TO PRESENT YOUR MEDICAL BILLS TO OTHER MEMBERS AND HOUSEHOLDS AS OUTLINED IN THESE GUIDELINES. THE FINANCIAL ASSISTANCE YOU MAY RECEIVE WILL COME FROM OTHER MEMBERS AND/OR HOUSEHOLDS, AND NOT FROM THE SEDERA MEDICAL COST SHARING COMMUNITY AND/OR SEDERA, INC.
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