Many small to medium sized businesses
cannot afford the quality of healthcare
they want to give their employees.
Sedera offers an
innovative and effective alternative to insurance.
Through an innovative layering
of healthcare services,
Sedera enables your employees
the ability to access
high quality healthcare that is
affordable, flexible & effective.
We can offer solutions to Employers groups
with a minimum of 3 employees
to 3,000 plus!
Businesses typically save 30+ percent or more
with improved employee satisfaction.
facilitates healthcost sharing for:
* Recognized Sedera Associations
*Is Not Religiously Affiliated
Individuals are able to enroll in Sedera through a
Sedera Certified Association
that I work with to best serve you
*No Enrollment Costs
*No Yearly Renewal Costs
*Low Monthly Costs
(As low as $124 monthly)
*No Yearly Commitment
With Sedera, your relationship is with your provider- Not an insurance company!
As a "Cash Pay" patient,
you are not limited
by networks - or even borders.
SEDERA'S GOALS = YOUR GOALS
*Low monthly membership costs
*Sedera puts HealthCare
back in your hands!
Standard and Preferred Pricing Available
and Supporting Health
Sedera Member Advisors help with..
+ Health Cost Estimates
+ Medical Bill Negotiation
* Mammography over age 40
* Colonoscopy over age 50
* Childhood immunizations
A 2nd.MD video consultation is appropriate for any member who has
* A chronic condition,
*Has a new diagnosis
*Has a condition requiring surgery**
TelaDoc -Unlimited use of 24/7/365
state licensed physicians
available via phone or online.
Doctors are able to assess the situation and when appropriate prescribe medications.
Included in the cost of the
"Need" for the first 120 days of a new diagnosis. Alternative Medications
with Prior Approval
Not eligible for sharing but our resources greatly reduce costs
3 free counseling sessions through Head to Heart per need.
If further assistance is needed, Sedera Member Services assists members in finding additional affordable and accessible solutions.
Sharing Guidelines include sharing in eligible psychiatric hospitalizations
You choose the initial unsharable amount from $500-$5,000. Once the total costs for any new “Need” exceeds that amount, the Sedera Medical Cost Sharing program will share in those expenses.
A "NEED" is defined as ALL of the expenses experienced surrounding a new diagnosis, accident or illness.
The Initial Unshared Amount (IUA)
is met only once for the "Need"
A "Need" may include an ambulance, emergency services, curative prescriptions, medical supplies and rental of durable medical equipment, x rays, imaging, hospitalizations, specialists, rehabilitation...
the list is quite exhaustive and comprehensive.
IUA stands for The initial Unshared Amount - this is the initial amount the member is responsible for prior to Sedera's medical cost sharing
When a medical expense is experienced
the TOTAL of expenses surrounding a "Need"
goes over the member's chosen IUA
it is then fully shared thereafter.
"The Need" stays open, and all related expenses will be group shared, until the issue has been resolved or 12 months has past without further expenses.
All qualified medical expenses, after IUA is met, are shareable with the Sedera community at 100%
and without an annual or lifetime limit.
The Initial Unsharable Amount (IUA) is better for members
versus a annual or membership basis
as care for a sickness or injury
is often not limited to a single calendar
or a membership year.
Let's say you fall of a ladder and you break your leg. You require emergency transport to an Urgent Care of ER, there you have the expenses of the physician, x-rays, etc and require crutches and incidentals.
Then, once home, you go to an Orthopedic Dr, go for a second opinion and let's say that you require surgery. The surgery, and all associated costs, post surgical physician visits, and rehabilitation therapy are all part of the one "Need" and the member is only required to contribute one time to the Initial Unshared Amount.
To further protect members:
If any individual has met 3 IUA's within a given year,
Or a couple, single parent or family, more than 5 IUA's
Then- Any further expenses would be then shared at dollar one!
Sedera Shares in Re-existing Conditions with the following graduated schedule:
Year 1 - No sharing on a pre-existing condition
Year 2 - Up to $15,00 towards for expenses surrounding that condition
Year 3 - Up to $30,000 towards expenses surrounding that condition.
After 36 months of membership there is not limits placed - condition is no longer considered pre-existing
Joining Sedera enables you to be in community with other like minded individuals who want to take charge of their health and their medical costs - and Sedera does this quite efficiently!
One of the greatest concerns that a member has is knowing that the organization they are joining to address their healthcare solution is strong.
Sedera's parent company is The Karis Group - An Industry leader.
Members can rest easy knowing that eligible medical expenses are handled in a very time efficient and professional manner.