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enroll.sedera.com
43,000+ members
9 years of experience
options for employers
Key Considerations

Sedera offers freedom of choice as a fundamental value. They have no network restrictions which means members can select the providers they prefer and they have no “out-of-network” penalties.

Highlights
Pre-Existing Conditions

Sedera does phase in sharing for pre-existing conditions as follows:

Individual/Family Plans

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    Yr. 1 no sharing
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    Yr. 2 up to $15K
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    Yr. 3 up to $30K
    -
    Yr. 4 fully shareable

Business Plans

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    Yr. 1 no sharing
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    Yr. 2 up to $25K
    -
    Yr. 3 up to $50K
    -
    Yr. 4 fully shareable
Preventive Care

Certain preventive care sharing options are available.

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    Colonoscopy every other year after age 40
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    Mammogram every other year after age 45
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    Childhood immunizations up to age 18
Maternity

Maternity sharing available as follows:

Individual/Family Plans - Must be a member for 1 year, member covers $5000 and plan shares the remainder

Business Plans - Member covers twice their initial unshareable amount (IUA) up to a max of $5000 and then the plan covers the remainder

Rx Sharing
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    Hospital administered medications and curative medications are fully shareable.
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    Maintenance medications for a new diagnosis are shareable for 120 days.
More Details
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    Individual/Family plans serve members through age 65; Business plans do not have an age limit
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    Dental sharing is not currently offered.
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    Optical sharing is not currently offered.
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    Mental health sharing is not currently offered.
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    Drug and alcohol sharing is not currently offered.

Sedera turned 9 years old in 2023, making it one of the more established healthcare sharing companies. They have a SELECT+ plan that is designed for small businesses and an ACCESS+ plan for individuals and families. Individual plans start at $127 per month and family plans start at $314 per month with monthly share amounts that go up from there depending upon various factors. Business plans start at $145 for individuals and $452 for families and go up from there based on different factors. There is no per-incident max-sharing cap and there is no lifetime maximum sharing amount with Sedera. Keep in mind that there is no application fee and Sedera does not have any religious affiliation. Sedera does include an incentive for non-smokers. Finally, individual/family plans can be set up to start immediately, without any waiting period, while business plans can start on the first of the month following enrollment.

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