Medical Cost Sharing
How it Works
The medical cost sharing model boldly challenges the status quo of traditional insurance. Using an innovative layering of healthcare services, community sharing and medical bill negotiation, Sedera enables individuals and families to access to unrestricted high-quality healthcare that is affordable, flexible and effective.
In addition to sharing medical expenses, Sedera also provides access to Counseling, Telemedicine, Expert Second Opinion, and Personal Member Advisor services to all members.
Businesses and individuals are all looking for an affordable alternative to the insurance status-quo. That’s where medical cost sharing comes in.
Never Say “Out of Network” Again.
For each member’s episodic and curative healthcare needs, Sedera facilitates the sharing of healthcare costs among its members. The philosophy in the Sedera community is that ‘we’re meant to help carry one another’s burdens’. This sharing of medical expenses among members and supporting each other along the way clearly exemplifies this principle.
Traditional Health Insurance
Traditional Health Insurance has become outrageously expensive. To make it even worse, insurance then restricts where you can go, and even what kind of care is allowed to be covered.
In addition to sky high premiums and deductibles, patients are forced to pay even more out of pocket for co-pays and co-insurance. A routine episode of care could easily wipe out a families annual budget. Thats not how insurance is supposed to work. Is it?
Sedera Health Model
Instead of paying big fat premiums to an insurance company every single month, Sedera members share a smaller amount with the community on a monthly basis, and then they draw on community funds as their own personal medical needs arise.
Each member’s monthly share is routinely lower than today’s high deductible health insurance premiums. Through Sedera’s medical cost sharing model, members save between 30 – 50% of the cost that is typically incurred with health insurance. Plus, members are free to obtain treatment at any facility or doctor they choose. There is never any ‘out of network’ upcharges. Thats because with Sedera there is no network.