About Beacon Health
We help individuals, families, and independent business owners find a more affordable way to access healthcare: pairing Direct Primary Care (DPC) memberships for everyday visits with Sedera Medical Cost Sharing for large, unexpected medical bills. Based in Mooresville, North Carolina — and strictly not an insurance agency.
Graham Kerswell
Founder & Advisor
Mooresville & Greater Charlotte, NC
Meet the Founder
Graham founded Beacon Health Benefits in 2018 out of a determination to solve the soaring costs and frustrating bureaucracy that burden everyday families and independent workers. Living in the greater Charlotte area, he saw firsthand how conventional insurance premiums, arbitrary network caps, and sky-high deductibles were forcing people to compromise on their care.
Beacon was built to champion a sustainable alternative: reconnecting patients directly with primary care doctors while leveraging non-profit community medical cost sharing to protect against the unexpected.
“If you are finding your healthcare costs unaffordable, try a new approach. It might be the future.”
— Graham KerswellWhat We Do
- ✓Demystify Non-Insurance Care: We explain clearly how Direct Primary Care and community health sharing work in tandem—including what is and what is not eligible for sharing.
- ✓Real Household Numbers: We provide transparent, itemized monthly figures for your family or business group with zero hidden fees.
- ✓Enrollment & Ongoing Member Help: We guide you through onboarding and stay beside you to help you navigate your membership when needs arise (visit our Member Help guide).
- ✓Objective Referrals: When an ACA Marketplace plan or traditional insurance is the better fit for your medical history, we tell you directly and point you toward HealthCare.gov or a licensed agent.
What We Don't Do
- ✕No Insurance Sales: We do not sell, underwrite, quote, or recommend insurance policies.
- ✕No False Sharing Guarantees: We never promise what will be shared. Medical bill sharing is always adjudicated under Sedera's published member guidelines.
- ✕Zero Data Selling: We never rent, trade, or monetize your contact or household information to third parties.
How We're Paid
Beacon may receive advisory compensation from organizations we recommend, including Sedera. This compensation does not increase the price you pay, nor does it influence how candidly we explain limitations, pre-existing condition waiting periods, or guidelines.
Not sure if this fits your situation?
We'll walk through your actual numbers, evaluate your doctor preferences, and give you an honest appraisal of whether DPC and health sharing beat traditional insurance for your budget.
Regulatory & Non-Insurance Notice:
Health care sharing ministries and medical cost-sharing communities are not insurance and are not regulated as insurance. Sharing of medical expenses is voluntary and not legally guaranteed. Review each organization's published guidelines for complete details, limitations, and state-specific regulatory notices.
Beacon Health Benefits is not an insurance agency and does not sell, solicit, or negotiate insurance. We help individuals, families, and employer groups explore viable non-insurance alternatives, including Direct Primary Care, healthcare cost sharing, and ancillary discount programs.