Medical Cost Sharing Plans From Sedera Health

Built on like-minded people coming together to share each other’s burdens, Sedera health is a proven alternative to manage health care costs.

Chain of plastic monkeys illustrating how Sedera health members help each other up and down the line.

Health insurance can be a frustrating system to navigate. Each year, out-of-pocket costs, premiums—or both—go up, while the coverage for services seems to get weaker and weaker. Programs such as the Affordable Care Act (ACA), subsidies, and employer-sponsored plans can help mitigate your costs, but these options aren’t available to everyone. And even if they are, they may still not be the best option.

Medical cost sharing can be an affordable and comprehensive alternative to traditional health insurance plans. Benefits of medical cost sharing plans with Sedera include:

  • Savings of 30%-50% or more over traditional health insurance.
  • 24/7/365 access to telemedicine.
  • Second opinions from some of the nation’s top doctors.
  • Help navigating the complex world of medical care from expert advisors.
  • Resources and tools to become a savvy health care shopper.
  • Access to shop the best price for prescription drugs.

When coupled with a Health Access Solutions membership, this solution can be even more comprehensive. Benefits of Health Access Solutions includes:

  • Unlimited access to primary care physicians with no co-pays and no hidden fees.
  • Reimbursement for dozens of eligible preventive labs and screenings, including dental cleaning and/or vision exams.
  • Access to discount prescription drugs.
  • Out-of-pocket assistance on Sedera’s 3rd initial unshareable amount.

The Expense of Traditional Health Insurance

From the 2019 Employer Health Benefits Survey, Kaiser Family Foundation

Annual premiums for employer-sponsored health insurance continue to rise, with average 2019 individual premiums a staggering 227% higher than they were in 1999 and family premiums up 255%. These numbers just continue to rise. Since 2010, average family premiums have increased twice as fast as wages and inflation. The average deductible is almost double what it was a decade ago.

Over 40% of adults in the US who are insured don’t have adequate coverage (meaning their potential out of pocket costs eat up too much of their household income). Over 12% of adults don’t have any coverage at all.

Thankfully, medical cost sharing can be an excellent alternative to traditional health insurance—providing coverage for large, unexpected medical bills while also costing a whole lot less.

What Makes Medical Cost Sharing With Sedera Health Unique?

Medical cost-sharing is a proven alternative to the health insurance status quo and is available to both businesses and individuals. Medical cost-sharing with Sedera health can offer savings of up to 50% over traditional health insurance. Every member has access to 24/7/365 telemedicine, second opinions from the nation’s top doctors via 2nd.MD, and access to a member services advisor to help them navigate medical cost-sharing and manage their health care choices.

The Sedera Health medical cost-sharing community believes that making smart choices with diet, exercise, and lifestyle can greatly improve one’s quality of life. They recognize that when a community of like-minded people agrees to strive for a healthy lifestyle and share one another’s health care expenses, everyone wins.

When Sedera members incur medical expenses, some of these costs are shareable with the larger community, where other members contribute funds to help partially offset these costs. Unlike health insurance, it truly is a program where members directly help other members.

There are no provider networks. No one is denied membership due to pre-existing conditions. Members are free to choose the medical providers they want, not just those they are told they can choose from. Members are given the tools and support they need to take an active role in their own health care. This helps improve the lives of each member, as well as the community as a whole.

Medical Cost Sharing For Individuals

Medical cost-sharing plans are becoming an increasingly popular alternative to costly health insurance plans for individuals and families. These plans are particularly attractive to individuals who make living a healthy lifestyle a priority. Medical cost-sharing can be extremely powerful, especially when combined with programs like the Health Access membership, which provides access to free preventive services, low-cost prescription drugs, unlimited access to direct primary care (with no copays!), and more.

You can also contact us with any specific questions. We’d be happy to help!

Medical Cost Sharing For Businesses

Sedera helps businesses take care of the health and well-being of their employees the way they have always wanted to. With Sedera, business owners can provide exceptional health care to their employees at a lower cost.

“Sedera helps us put our employees first. Being a part of a healthcare sharing community keeps our employees healthy and relieves their financial burden. Before Sedera we were only able to pay 50-60%, and now we are able to pay 100% which provides more disposable income for them. When you compare our previous healthcare experience with joining the Sedera community, the difference is tremendous. There’s no doubt in my mind we made the right choice for our team.”
– Laz Garza
Aztec Bolting, TX, joined 2017

If you’re interested in learning more about how offering medical cost-sharing with Sedera Health alongside traditional individual health insurance plans can help support your employees, contact us today!

Read our latest posts about the benefits of medical cost sharing!