Healthsharing Reviews is not affiliated in any way with Sedera and Healthsharing Reviews does not endorse any products or services offered by Sedera Healthshare nor is Healthsharing Reviews sponsored in any way by Sedera.
According to an interview with their CEO, Sedera was founded in 2014 by British physician Dr. Tony Dale, who became interested in the American healthcare system after having surgery in the United States. After seeing the high costs and inconsistencies of traditional health insurance, Dr. Dale founded Sedera, a medical cost sharing community, as a quality, affordable alternative.
Sedera’s website is modern and inviting, with a bright, appealing design and color palette. There are helpful links, videos, and graphics that provide valuable information to prospective and current members alike. After some time on the site, you should easily be able to find what you’re looking for, whether it be their blog, pricing, contact info, or membership guidelines.
Sedera members pay a monthly contribution based on their membership’s Initial Unshareable Amount, or IUA. The IUA is what members must pay toward any medical expenses before it is eligible for sharing by the health share’s community. IUAs are paid per medical need and do not reset at the end of each year, which means you don’t have to worry about paying multiple IUAs for the same need if you incur additional expenses in subsequent years.
Sedera has five different membership IUAs to choose from: $500, $1000, $1500, $2,500, and $5,000. The lower the membership IUA, the more expensive the monthly membership contributions will be; but a lower IUA means you won’t have to pay as much before the community shares your medical expenses.
Ultimately, the price you pay for each membership will depend on your IUA, your age, your dependents, and whether you signed up individually or through your employer. All of their pricing is available on their website; the pricing for individuals can be found here, and the pricing for “teams” can be found here, by scrolling down to “Member Contribution Costs.”
Sedera offers two main membership types: ACCESS+, for members who enroll individually, and SELECT+ for those who enroll through their employer. While ACCESS+ has four age groups each with distinct pricing, SELECT+ has two age groups (under 30 and 30+), both with different pricing.
For non-emergency situations, Sedera asks that members consult them for assistance if they anticipate a medical need. A Sedera Member Advisor walks members through the needs process and (after the member receives necessary care from a provider of their choice and subsequently submits a need request) will advocate on their behalf for lower medical expenses. After the negotiations are complete, members receive funds for eligible needs that exceed their IUA, and pay their provider.
If a member is wanting to get elective/non-emergency surgery, they are encouraged to utilize Sedera’s Expert Second Opinion (ESO) program. The ESO program allows members to get a second opinion from a medical expert in order to confirm a diagnosis/treatment plan, or gain new perspective on available treatments. The benefit of using the ESO is you can reduce your IUA by $250, and have a larger percentage of your eligible costs shared. However, if you don’t use the ESO program, you may end up only eligible to share 50% of the relevant medical expenses.
You can join Sedera through their website or by calling 800-473-5472.
Membership with Sedera is currently unavailable in certain states, such as Washington.
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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!