Sedera was founded in 2014 by British physician Dr. Tony Dale, who became interested in the American healthcare system after undergoing surgery in the United States. In an article by Sedera titled The History of Medical Cost Sharing, he describes how the high costs and inconsistencies of traditional health insurance motivated him to establish a medical cost-sharing community as a more affordable alternative.
Sedera members pay a monthly contribution based on their membership’s Initial Unshareable Amount (IUA). The IUA is the amount members must pay toward medical expenses before they are eligible for sharing by the health share’s community. If a household has multiple medical needs within a 12-month period, they are responsible for the first three IUAs based on the selected level. Any additional needs within the same membership year have no IUA.
Sedera offers five IUA options: $500, $1,000, $1,500, $2,500, and $5,000. The lower the IUA, the higher the monthly contributions will be, but a lower IUA also means you pay less out of pocket before the community begins sharing medical expenses.
Ultimately, the cost of membership depends on the selected IUA, age group, household size, and whether you signed up individually or through your employer. Pricing is available on Sedera’s website; individual and family pricing can be found here, and team pricing can be found here by selecting “Take Quiz” to receive a quote.
Sedera offers two main membership types: ACCESS+, for individuals and families, and SELECT+ for those who enroll through their employer. While ACCESS+ has five age groups, each with distinct pricing, SELECT+ has two age groups (under 30 and 30+), both with different pricing.
For non-emergency situations, Sedera encourages their members to consult with them before receiving care if a medical need is anticipated. After receiving treatment from a provider of your choice and submitting a need request, a Sedera Member Advisor advocates on your behalf to help reduce medical expenses. Once negotiations are complete, you receive funds for eligible needs exceeding your IUA and pay the provider directly.
To help ensure members receive the most up-to-date and effective medical treatment available, Sedera encourages participation in its Expert Second Opinion (ESO) program. The ESO program allows members to obtain a second opinion from a medical expert to confirm a diagnosis or treatment plan, or to gain additional perspective on available treatment options. However, if you choose not to use the ESO program, or if Sedera recommends a less invasive treatment that you decide not to follow, you may be asked to provide a reason or justification.
You can join Sedera through their website or by calling 800-473-5472.
Membership with Sedera is currently unavailable in certain states. Click here to find out more.
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Review Guidelines:
Helpful reviews share real experiences with health sharing, finding providers, and everything in between. Simply stating that a company had great customer service isn’t useful, especially with no additional details. Reviews stating negatives like “this company is a scam” with no other information also doesn’t help our readers. Please share more! We want to know if your providers would work with the health share, if it was a hassle to submit bills, if it was easy to get answers to your questions, or if eligible needs were paid in a timely manner. Your insights make a difference!
Talk to actual members
August 7, 2025 @ 13:55
We have used Sedera for a few years. They’ve never really been needed and function for my family as an emergency medical help. Basically paid in and got nothing, but that’s what insurance is for.
This year we had two medical problems in a few weeks and have been stonewalled by beuarocratic answers and told we were hear back after the call was “escalated”. It took over a week for a call back on a medical emergency and the call back offered NO SOLUTIONS, just a low level apology and a circle back to the beginning of the process.
They have contracted with a company called “careclix”, Their website and phone have been inoperable for over 3 weeks. No ability to log in, speak to anyone or get help. If they are a real company they are completely incompetent.
ABSOLUTE FAILURE from start to finish in working with them.
January 27, 2025 @ 08:17
Sedera helped me when I needed it most.
August 15, 2023 @ 14:13
We submitted our new baby to the portal within the 30 day window that we were instructed. This update is not auto-approved, though. It is delayed. This put us in a position where our baby was not approved in their 30 day window so they rejected all of her claims. They told us that we were supposed to call to have it approved sooner, but they never communicated that in their initial emails. My partner submitted the addition within 2 weeks of having the baby, but we did not get a confirmation email which we should have received from the system. Instead, we got an email several weeks later, on august 1st, saying that the changes made on august 2nd (???) would be approved august 3rd. However, I went through my partners browsering history and she was not on the Sedera account page on the 1st or the 2nd. This means that we did not get the email confirmation at the right time and were unable to have them change the time that our baby was added to fit in the 30 day window. They said they couldn’t accept our browsing history as proof, and we didn’t have any confirmation otherwise because the email was not sent when she completed the account change. I tried to test the email confirmation by adding a new account, and we got an email right away, but that did not happen the first time. I found it strange that the wording of the email confirmation was different the first time than the test time, but the rep I spoke to claimed that was due to a time discrepancy with a tech company they contract. This is not to mention that they are tirelessly picking apart every claim that we submit saying that we don’t have the right information. It feels like they are picking us apart over every dollar, and that we got screwed on a tech issue when we tried our best to follow the policy. There is no element of basic human decency or trust. I would not recommend this company at all.
September 20, 2022 @ 14:44
Sedera is a scam. When you try to submit a claim, as my family of 5 tried to, they rejected it even though it was for a medical device our family MD approved and recommended. The device was even cleared by the FDA. We spent about $11,000 with them over 14 months and we would have been much better off without them and just saving the money. Definitely would NOT recommend. Canceled our membership to this scam service yesterday. Have been treated better by health insurance companies. They’re short staffed and you can’t even get someone to call you back.
November 19, 2021 @ 18:04
I just went through a health issue & surgery and within SIX days of submitting my final fill I have just over $5,200 transferred to our checking account, paying us everything Sedera would pay us over our IUA for this! No calls, no emailing, no denying things… just money in the bank. They also covered our flu shots within 9 days of submitting them! Member Services and Needs Coordinators are SO easy to contact and communicate with! Couldn’t be happier!