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With Sedera, you’re in control.

Sedera Medical Cost Sharing is a non-insurance solution that provides a better way to pay for health care. Sedera empowers people to take ownership of how they pay for healthcare needs.

A Certified Sedera Affiliate Partner

How Medical Cost Sharing Works

Sedera is Not Insurance

It’s a Community of Members who help share the cost of one another’s large medical expenses through a secure platform.

You Select Your Initial Amount

You select your Membership level which determines your Initial Unshareable Amount (IUA). This is the amount you feel comfortable paying for without help from the Community.

Every Member Contributes

When you join Sedera, you begin contributing funds for use by other Members on a monthly basis.

The Community Shares with You

If something unexpected happens, Community members share funds through our secure platform to pay for expenses beyond your IUA.

You Pay Your Doctor

You pay your healthcare provider with the shared funds, for the duration of your care.

Membership Agreement

All Members must agree to Membership Principles and Commitments.

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
Initial Unshareable Amount

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.

*Initial Unshareable Amount (IUA) is the amount you feel comfortable paying for without help from the Community

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/Vape User

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

  • Smoke cigarettes
  • E-vapes
  • Chewing tobacco

Don't take our word for it...

Some of the aspects that sold us on medical cost sharing is the ability to choose your provider, to go where you want. The additional confidence that I gained was learning that a lot of other physicians themselves have Sedera.

Chris Physio, Founder Asheville


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Portrait Testimonials

Add Direct Primary Care to Your Sedera Membership

Experience a powerful solution centered on supporting the doctor/patient relationship.

DPC Members pay a monthly rate to visit their doctor as much as they need to - they also receive a discount on their Sedera membership. It's a win-win!

Join Now With Three Simple Steps


Explore the Membership Guidelines to see if Sedera is right for you.


Provide a few details like your date of birth, contact information, health history, and banking preferences.


Open a Medical Cost Sharing bank account and start sharing contributions with Community Members.

There is a $30 one-time fee associated with this.


Questions? We thought so. Check out our FAQs for answers.

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Current Members: 973-3372
Prospective Members: 445-8254
Affiliate Contact: 898-8063

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.