Overview of Sedera

A Proven, Non-Insurance Solution For Your HealthCare Needs

image116

Sedera 

facilitates healthcost sharing for:
*Businesses/Employer Groups
* 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

THERE ARE:

image117

*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.

Typically Sedera saves 30% - 50% vs. Insurance

image118

SEDERA'S GOALS = YOUR GOALS

*Healthcare Freedom
*Low monthly membership costs
*Sedera puts HealthCare

 back in your hands!

Standard and Preferred Pricing Available

Sedera Membership Includes

Excellent Member Services!

image119

*Exceptional Service
*Empowering Members
and Supporting Health


 Sedera Member Advisors help with..
+ Health Cost Estimates
+ Pre-Negotiation
+ Medical Bill Negotiation 

Preventative Screenings & Immunizations

image120

* Mammography over age 40


* Colonoscopy over age 50


* Childhood immunizations

Expert Second Opinion Services

image121

A 2nd.MD video consultation is appropriate for any member who has 

* A chronic condition, 

*Has a new diagnosis

*Has a condition requiring surgery**

Unlimited TeleMedicine

image122

TelaDoc -Unlimited use of  24/7/365 

 board-certified and 

state licensed physicians  

available via phone or online.  

 

Doctors are able to assess the situation and when appropriate prescribe medications.

Prescriptions & Alternatives

image123

Curative Medications

Included in the cost of the 

"Need" for the first 120 days of a new diagnosis. Alternative Medications

with Prior Approval


Maintenance Medications

Not eligible for sharing but our resources greatly reduce costs


Counseling

image124

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

About Sedera

Medical Cost Sharing and Member Services

How Sedera Shares Medical Expenses

SEDERA'S MEDICAL COST SHARING COMMUNITY SHARES IN EXPENSES SURROUNDING A "NEED" AFTER THE AN INITIAL UNSHARED AMOUNT (IUA) IS MET

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.

What is a "NEED"?

image125

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.

What is an IUA?

image126

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 1the issue has resolved itself or 12 months has past without further expenses.

image127

An example of how Sedera Shares in expenses

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.

image128

The Sedera Community Protects You From Experiencing too Many "Needs" Within a Given Year

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


Any further expenses would be then shared at dollar one