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A Refreshing Healthcare Alternative
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Healthcare Solutions Outside the Box

Why Sedera?
Low Monthly Cost

Monthly Costs start as low as $106 for an individual Member.

Go Anywhere

There’s no such thing as “out-of-network” with Sedera. We go where you go.

Member Advisors

Our expert advisors will help you navigate the complex world of medical care.

Price Transparency

Always know your out-of-pocket costs before you receive care.

Out-of-Pocket Limits

Need-related costs are capped after 3 medical needs for an individual/Household in a 12-month period.

Expert 2nd Opinions

Get 2nd opinions on surgeries and new diagnoses from some of the world’s top doctors.

Sharing is Saving

Medical Cost Sharing is a surprisingly affordable non-insurance solution to manage large healthcare costs. Unlike other options, this approach is centered entirely around people helping people. Our Members share one another’s medical burdens and shop for the best care at the best price. In doing so, we support one another’s physical and financial health.

How Medical Cost Sharing Works
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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.


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Don't take our word for it...

We’ve always been people that liked going against the tide. In the beginning, we were fearful but now that we are understanding it more, we're no longer afraid. We are really happy with the people we have dealt with at Sedera. Every time I call Sedera, I am very happy. The customer service is amazing!

-Mimi, Group Admin (Canton, GA)

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Sedera In Action
The Power of Direct Care

Add Direct Primary Care to Your Sedera Membership

Experience direct care for life’s big and small medical events by joining a Direct Primary Care practice. Pay a monthly cost and see your doctor as often as you need to. Direct Primary Care members also receive a discount to their Sedera membership. Win, win!

Join the Community!

Thanks for taking the time to learn about Medical Cost Sharing. 

To join, simply follow these three steps:

Design Your Membership
Tell Us About Yourself
Open a Sharing Account

We understand that Medical Cost Sharing is new for many people. If you still have questions, that’s ok! We would love to help you work through them. Give us a call.

Design Your Membership

Based on your selections, our cost estimator will give you an estimate of your monthly membership contribution amount.

*Membership Contribution costs do not include telemedicine, expert second opinion, or other add-ons.

Est. Monthly Contribution


Oldest Participant
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Years Old
Initial Unshareable Amount
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The Initial Unshareable Amount (IUA) is the amount you pay before your medical Need is eligible for sharing. A Need is defined as one or more medical expenses caused by a single accident or illness.

Direct / Virtual Primary Care

Direct primary care has been promoted by certain groups of physicians as a means for patients to save money on their primary care services.

Often, there are no insurance co-pays, deductibles or co-insurance fees thus avoiding the overhead and complexity of maintaining relationships with insurers.

Are you a member of a DPC or VPC?

Tobacco Usage

Has anyone in your household used these in the last 12 months:

  • Smoke cigarettes
  • E-vapes
  • Chewing tobacco

While Sedera operates in most states, there are a few exceptions. Click here to learn more.

Medical Cost Sharing (MCS) is an innovative non-insurance solution to manage large medical costs. Our Members commit to leading a healthy lifestyle and voluntarily contributing to one another’s large and unexpected medical expenses. In doing so, they are able to reduce one another’s burdens and be in charge of their own health care decisions.