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ISO Plus Sedera
Sedera Medical Cost Sharing is a community-driven, peer-to-peer system for sharing medical expenses through membership. Members of Sedera voluntarily contribute a monthly fee to help cover significant and unforeseen medical costs. We provide a holistic insurance alternative for our members’ healthcare needs. Communities come together to share medical expenses and events, including illness and injury. This program adopts a community-sharing model for managing healthcare costs and is distinct from traditional health insurance
Integrated Health Membership
Elevated Care, Affordable Price
One bill, FOUR memberships: Streamlining your health and wellness has never been easier!
Designed to meet your unique needs, this membership empowers you to put your health first while unlocking savings along the way.
Virtual Primary Care
Receive care from the comfort of your own home, featuring virtual primary care, urgent care, and chronic condition management. ¹
PRIMARY CARE
Establish continuity of care with a licensed provider.
URGENT CARE
Find immediate virtual care for the flu, COVID-19, and more.
MENTAL HEALTH
Virtual counseling and help locating support.
CARE NAVIGATION
Establish continuity of care with a licensed provider.
RX Membership
Save on your medications with TRU-RX, and get access to most generic medications for free!²
$0 COPAYS
Common medications are included, for $0.
MAIL ORDER
Get 90-day refills mailed directly to you.
DIABETES HELP
Get a free meter, low- cost testing strips, lancets, and more.
RX COACHING
Get virtual education and counseling.
Get huge discounts on the things that matter.
- Dental – Save up to 20-50% on most dental procedures including routine oral exams, unlimited cleanings and major work.³
- Vision – Save 5-30% on eye exams, glasses, contact lenses, and LASIK.³
- Chiropractic – Huge discounts on chiropractic services and gym memberships.³
- Entertainment – Savings of up to $4,900 per year with great deals across travel and entertainment through the TRU Discount Marketplace.
THIS BENEFIT IS NOT INSURANCE OF ANY KIND. PLEASE SEE THE IMPORTANT DISCLAIMERS AND NOTICES BELOW.
Sedera Healthshare Membership
A FINANCIAL SAFEGUARD FOR BIG MEDICAL EXPENSES
WHAT’S SHAREABLE*
- Surgery
- Hospitalization
- Emergency care
- Maternity needs
*These are a few examples of needs that may be eligible for sharing. All sharing decisions are subject to the Member Guidelines.
MEMBER RESPONSIBILITY
When you have a medical need, you’ll pay an Initial Unshareable Amount (IUA), and you’ll never pay more than 3 in a year.
Your choice:
- $1,000 IUA
- $2,500 IUA
- $5,000 IUA
INCLUDED PREVENTIVE CARE
- Annual preventive mammogram for women 40+
- Preventive colonoscopy for members 45+
- Select immunizations for children 0-18
HOW IT WORKS
SEE ANY PROVIDER AND NO ANNUAL SHARING LIMIT
THIS BENEFIT IS NOT INSURANCE OF ANY KIND. PLEASE SEE THE IMPORTANT DISCLAIMERS AND NOTICES BELOW.
Integrated Health Membership
INTEGRATED HEALTH
MEMBERSHIP PLUS HEALTHSHARE
Virtual Care
Preventative Care
Prescriptions
Emergency Care
Major Medical Expenses
Discounted Services
easy as 1 2 3!
- Contact us to enroll and sign up!
- Choose your Initial Unsharable Amount (IUA).
- Enjoy your benefits!
This is NOT insurance. This is not Minimum Essential Coverage. This is a noninsurance program sold as a subscription service. This subscription does not provide reimbursement for any medical expenses.
- Virtual Primary Care & Mental Counseling provided by Integrated Source One. For full federal notices and disclaimers, please visit https://www.intsourceone.com/
- Rx services provided by America’s Pharmacy Source. For full federal and state notices and disclaimers, please visit https://americaspharmacysource.com/terms-and-conditions/
- THIS PLAN IS NOT INSURANCE and is not intended to replace health insurance. This plan does not meet the minimum creditable coverage requirements under M.G.L. c.111M and 956 CMR 5.00. This plan is not a Qualified Health Plan under the Affordable Care Act. The range of discounts will vary depending on the type of provider and service. The plan does not pay providers directly. Plan members must pay for all services but will receive a discount from participating providers. The list of participating providers is at www.tru-healthgroup.solutionssimplified.com A written list of participating providers is available upon request. You may cancel within the first 30 days after effective date or receipt of membership materials (whichever is later) and receive a full refund. Discount Plan Organization and administrator: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034; phone 800-441-0380. This plan is not available in Washington.
The Sedera Healthcare Sharing Ministry is not an insurance company nor is it insurance, and membership is not issued or offered by an insurance company. Participation in this healthcare sharing ministry is entirely optional, and members decide whether or not to provide financial support to other members in need.
INTEGRATED SOURCE ONE DPC PLUS SEDERA HEALTHSHARE MEMBERSHIP RATES pricing does not include a one-time $50 enrollment fee
5000 IUA
Member Only
Age 18-29
Age 30-39
Age 40-49
Age 50-59
Age 60-64
Monthly Price
$197
$224
$226
$279
$283
Member Spouse
Age 18-29
Age 30-39
Age 40-49
Age 50-59
Age 60-64
Monthly Price
$295
$358
$361
$468
$474
Member Children
Age 18-29
Age 30-39
Age 40-49
Age 50-59
Age 60-64
Monthly Price
$294
$358
$363
$470
$476
Member Family
Age 18-29
Age 30-39
Age 40-49
Age 50-59
Age 60-64
Monthly Price
$434
$499
$507
$660
$669
2500 IUA
Member Only
Age 18-29
Age 30-39
Age 40-49
Age 50-59
Age 60-64
Monthly Price
$224
$246
$248
$349
$356
Member Spouse
Age 18-29
Age 30-39
Age 40-49
Age 50-59
Age 60-64
Monthly Price
$358
$404
$409
$566
$574
Member Children
Age 18-29
Age 30-39
Age 40-49
Age 50-59
Age 60-64
Monthly Price
$358
$406
$410
$568
$577
Member Family
Age 18-29
Age 30-39
Age 40-49
Age 50-59
Age 60-64
Monthly Price
$559
$570
$578
$766
$777
1000 IUA
Member Only
Age 18-29
Age 30-39
Age 40-49
Age 50-59
Age 60-64
Monthly Price
$282
$310
$315
$404
$412
Member Spouse
Age 18-29
Age 30-39
Age 40-49
Age 50-59
Age 60-64
Monthly Price
$429
$509
$516
$682
$692
Member Children
Age 18-29
Age 30-39
Age 40-49
Age 50-59
Age 60-64
Monthly Price
$480
$510
$517
$685
$695
Member Family
Age 18-29
Age 30-39
Age 40-49
Age 50-59
Age 60-64
Monthly Price
$684
$694
$705
$962
$976
FAQs Here are some frequently asked questions.
What is Sedera?
Sedera is a nonprofit Medical Cost Sharing Community that offers a non-insurance approach for managing large and unexpected medical expenses. Sedera Members belong to a Community of individuals who are active and engaged participants in their healthcare decision-making, dedicated to a healthy lifestyle, and united by shared values.
What kind of company is Sedera?
The Sedera Medical Cost Sharing Community is a nonprofit Medical Cost Sharing Community that offers a non-insurance approach for managing large and unexpected medical expenses and is focused on serving the engaged healthcare consumer. Sedera facilitates the direct sharing of medical costs among our participating Members (the Community).
Is Sedera an Insurance Company?
No. Sedera is a nonprofit Medical Cost Sharing Community that offers a non-insurance approach for managing large and unexpected medical expenses. Insurance arrangements are a contract whereby one party agrees to be legally responsible for and accept another party’s risk of loss in exchange for a payment — a premium. Medical cost sharing is an arrangement whereby members agree to share medical expenses through an act of voluntary giving. The Sedera MCS Community is not licensed or registered by any insurance board or department. The Sedera MCS Community does not assess applicants’ health risks, because the Sedera Medical Cost Sharing Community Members are assuming financial liability for any other Member’s risk.
Does Sedera Community membership satisfy federal or state level individual mandates?
No. Membership in the Sedera Medical Cost Sharing Community is not minimum essential coverage (MEC) and does not make an individual compliant with the federal ACA mandate or any state-level individual mandate that requires individuals to purchase health insurance. Any and all applicable penalties still apply for individuals who are Sedera Members who do not otherwise meet federal and/or state coverage mandates.
Does Sedera charge monthly premiums?
No. Because a Sedera Medical Cost Sharing membership is not health insurance, there are no premiums. Sedera Members assist other Members with their medical expenses by contributing a predetermined amount each month; called a monthly “Medical Cost Sharing Amount” or “Share.”
What happens when a provider requires payment up front for services ?
When a provider requires a Member to pay in advance for medical services, Sedera advises its Members to avoid paying more than their IUA toward the cost of any medical need so that Sedera can negotiate costs with medical providers if needed. In cases where Members pay more than their IUA, they can submit the amount that exceeds their IUA to the Sedera Community for sharing.
In certain limited circumstances, the Sedera MCS Community provides direct up-front payment to the Member for proposed services. The most common example of prepayment is with maternity cases. Sedera may prepay the Member for maternity needs, based on the provider’s cash pay rates, in advance of the baby’s delivery.
What is the process for paying my medical bills when I have a Need
At the time of service, Members inform their medical providers (doctors, laboratories, clinics, hospitals, etc.) that they are “cash pay” patients. The providers will, in turn, bill the Member directly. Members organize their bills, log into their Member portal, complete the online Needs Submittal Process, and submit copies of all relevant medical bills and any proof of payments made towards their Initial Unshareable Amount (IUA). Sedera’s team of medical bill negotiators may contact the providers to discuss the appropriate payment for the services that were performed and determine if negotiations are necessary or available for the billed amounts.
Sedera will review the Need and help administer a process whereby community funds are shared with the Member, less the Member’s IUA (as applicable), which the Member then uses to pay their medical provider. Because Members do not transfer risk to each other or to the Sedera Medical Cost Sharing Community, no request for sharing is ever guaranteed. Members always remain responsible for their medical expenses.
What are Sedera’s Membership requirements?
Sedera’s Community continues to welcome individuals and families of all backgrounds. Our Community is bound together by faith in our statement of shared beliefs.
What happens if there are more medical Needs than available shares in a month?
Sedera’s Member Guidelines clearly state that payment is never guaranteed but is always based on the commitment of the Members to each other. For example, if there are only enough shares available for 90% of the Needs submitted for a particular month, only 90% of the Needs for that month will be shared. Sedera may overlap Needs from multiple months so that there are adequate shares for all Needs. However, if all Needs cannot be met, Sedera uses a prorating method to evenly distribute the burden. However, to date, Sedera has not had to prorate any sharing.
Can my Membership be dropped if I have very high medical Needs?
No. Members cannot be dropped from the membership due to their medical Needs. Neither your membership nor your monthly share is affected by the amount of medical expenses you or any of your family members may have.
How can I know if a Need qualifies for sharing?
The types of Needs that qualify for sharing can be found in the applicable Member Guidelines. Consult Sections 6-7 for the specific requirements for sharing certain types of Needs. If you have any questions, please call Member Services at 1-855-973-3372.
Are there any specific medical conditions that have an exclusion or waiting period?
Most medical expenses are eligible for sharing. However, some types of medical expenses are not eligible for sharing with the Sedera Community or are limited in the amounts that the Community shares. Details of the medical expenses that are not shareable and other limitations can be found in the Community’s applicable Membership Guidelines.
As Sedera is a Medical Cost Sharing Community that shares large and unexpected medical expenses, some expenses including those related to routine preventative care, prescriptions, cosmetic surgery, and dental care, are generally not shareable. Additionally, medical expenses resulting from using illegal drugs or participating in unlawful activities are not shareable.
Are there any specific medical conditions that have an exclusion or waiting period?
Most medical expenses are eligible for sharing. However, some types of medical expenses are not eligible for sharing with the Sedera Community or are limited in the amounts that the Community shares. Details of the medical expenses that are not shareable and other limitations can be found in the Community’s applicable Membership Guidelines.
As Sedera is a Medical Cost Sharing Community that shares large and unexpected medical expenses, some expenses including those related to routine preventative care, prescriptions, cosmetic surgery, and dental care, are generally not shareable. Additionally, medical expenses resulting from using illegal drugs or participating in unlawful activities are not shareable.
How do I pay for medical care that spans multiple calendar years?
There is no annual or lifetime sharing maximum on eligible Needs as outlined in the applicable Membership Guidelines. Community Members may share funds for eligible medical expenses that exceed a Member’s IUA, regardless of the duration of care for eligible Needs.
Is Sedera available in all states?
While Sedera operates in most states, there are a few exceptions. Click here to learn more.
What other features are included with a Sedera Medical Cost Sharing Community membership?
A Sedera membership includes access to additional tools including convenient telehealth services for basic healthcare needs, expert second opinions, a cash pay marketplace, and medical bill negotiation services when needed to ensure the Members are not overpaying for their healthcare costs.
Some Memberships may include add-ons and/or additional products that are not owned, operated, serviced, or maintained by Sedera. Sedera makes no warranty regarding the websites, resources, materials, products, transactions, and services provided by third parties. Sedera makes no representations or warranties that every or all Memberships include any add-on/additional product(s). Members can utilize the Member Portal for more information on what their Membership includes.
Is Sedera a Health Care Sharing Ministry?
Sedera is considered a Health Care Sharing Ministry under the Covenant Healthshare’s benevolent fund.
Can I choose my own doctors and hospitals?
Absolutely! Freedom of choice is fundamental to Sedera’s values. Sedera has no network restrictions which means Members are free to select their providers based on personal preference, value, cost, and convenience and there are no “out-of-network” penalties. Sedera’s Member Advisors are available to help Members locate cash pay friendly medical professionals and we go where Members go, worldwide.
Does Sedera use deductibles and co-insurance like traditional health insurance?
No. Because Sedera is not health insurance, Sedera’s process differs significantly from insurance practices. Health insurance deductibles are cumulative over the course of a plan year. Co-insurance is the portion of the medical expense owed by the patient. With Sedera, when Members incur an eligible medical expense that exceeds their Initial Unshareable Amount (IUA) for a specific eligible Need, any remaining balance relative to that specific Need is eligible for sharing with the Community, effectively reducing the Member’s portion to the selected IUA for any single Need.
How does Sedera Handle medical expenses submitted for sharing?
When Members incur medical expenses that exceed their IUA, they submit proof of their medical expenses to Sedera. The medical expenses are evaluated to make sure the Need qualifies for sharing under the applicable Member Guidelines. A Sedera medical bill negotiator may contact providers to discuss the appropriate payment for the services that were performed and determine if negotiations are necessary or available for the billed amounts. Because Members do not transfer risk to each other or to the Sedera Medical Cost Sharing Community, no request for sharing is ever guaranteed. Members always remain responsible for their medical expenses.
How long does it take Sedera to process a medical Need?
Sharing turnaround time normally ranges from 14-60 days from the receipt of bills and required information. Generally, after the Needs Submittal Process and the submission of required documentation is complete, and if there are no ongoing financial negotiations with a provider, a Need will be shared within 14-30 days after receipt. Please note that larger bills may take longer to negotiate.
Does the Sedera Community share medical costs that were incurred outside of the Unites States?
Yes. With Sedera there are no network restrictions. We go where our Members go, worldwide. Members’ eligible needs, wherever incurred, are eligible to be shared with the Sedera Community in the same fashion as medical expenses incurred in the U.S. If a Member has a Sharable Needs Case that occurs outside of the United States, the Member will be required to provide Sedera the itemized Medical Bill translated into English and the price converted into U.S. Dollars.
Is there a lifetime or yearly maximum amount that is eligible for sharing for any one person or family?
There is no annual maximum dollar amount or lifetime maximum limits per Member, though certain dollar amounts and/or visit limits apply to specific types of medical care and therapies. Sharing is only limited by the amount available for sharing by the Community.
How can I be sure that Sedera really works?
The concept of Medical Cost Sharing has been highly successful in the context of faith-based groups for more than 25 years. More than one million members have shared over a billion dollars in medical expenses over that span of time, demonstrating a strong track record of success. We believe that a community of health-conscious people who care for one another can successfully participate in the sharing of each other’s medical burdens. However, it is important to note that past successes by faith-based sharing groups does not guarantee the future success of similar programs. There is no promise or contract by Sedera or the Members to contribute toward any Need a Member might have in the future. The only promise Sedera makes is to facilitate the distribution of shares given through the medical cost sharing process. Sedera distributes these monthly Shares on behalf of those Members with Needs.
What kinds of Needs do Sedera Members share?
In general, Needs for eligible illnesses or injuries resulting in visits to licensed medical providers, emergency rooms, diagnostic testing facilities, and laboratory or hospital charges are shared on a per person, per incident basis. See Sections 6-7 of the applicable Member Guidelines for details.
How does Sedera handle very large medical expenses?
There is no maximum limit to the amount that will be shared by the Community toward a specific medical Need. However, the Need must be within the scope of the Member Guidelines before it will be considered eligible for sharing. Sedera reserves the right to negotiate medical expenses with providers, and to prorate available shares, as necessary, in order to address all Member’s medical expenses. However, to date, Sedera has not had to prorate any sharing.
How does the Sedera Community share expenses related to Pre-Existing Medical Conditions?
No prospective member is turned away for having Pre-Existing Medical Conditions, and Sedera does provide a path to sharing medical expenses associated with a Pre-Existing Medical Condition. The Sedera Community does have a look-back period of 36 months that applies to all Pre-Existing Medical Conditions for Sedera applicants. A Pre-Existing Medical Condition is any medical condition that existed prior to membership (diagnosed, suspected, or producing observable signs or symptoms). Needs that result from Pre-Existing Medical Conditions are subject to sharing limitations unless 36 months immediately prior to the membership effective date has passed without any signs or symptoms of the condition, without any treatment needed, without any medication prescribed or taken, and without any suspicion by the patient or doctors that the condition is resurfacing. This applies whether or not the cause of the symptoms is unknown or misdiagnosed. Pre-Existing Medical Conditions will become eligible for sharing based on the Member’s tenure with Sedera, as indicated by the applicable Membership Guidelines.
How do I manage routine healthcare costs while being a Member of Sedera?
Members are responsible for the costs of routine and preventative care costs other than the larger, high-cost routine diagnostic procedures of screening colonoscopy, screening mammogram, childhood immunizations to age 18, and annual flu vaccines subject to the applicable Membership Guidelines for age, membership period and/or monetary limits for certain preventative care. Many Sedera Members choose to also become members of Direct Primary Care (DPC) practices for routine healthcare. To find a DPC, visit our DPC Finder.