Medical Cost Sharing
Non-profit health sharing gives you complete freedom to visit any board-certified physician, facility, or surgical hospital nationwide with zero restrictive network tiers.
Sedera Medical Cost Sharing
Sedera is a non-profit medical cost-sharing community that safeguards members against unexpected, catastrophic medical bills—including major surgeries, hospital stays, emergency trauma, and cancer treatments—without traditional insurance bureaucracy.
Complete Doctor Freedom
Choose any board-certified doctor, specialist, surgical center, or hospital in the United States. No PPO/HMO network tiering or out-of-network penalties.
Predictable Cost Caps
Select your Initial Unshareable Amount ($500 to $5,000). Once your IUA is satisfied for an eligible Need, 100% of remaining eligible costs are shared by the community. Max 3 IUAs per household/year.
Bill Auditing & Negotiation
Sedera's medical navigation team audits itemized hospital charges line-by-line to eliminate inflated chargemaster rates and secure fair self-pay pricing.
Explore Sedera pricing & rate schedules
View full pricing breakdown and worst-case scenario annual costs for your household.