Sedera Review
Medical cost sharing for the self-employed
Last verified: March 1, 2026
Our Verdict
Sedera is a medical cost sharing community that does not require religious affiliation. It is particularly popular with self-employed individuals, entrepreneurs, and small business owners. Sedera uses the PHCS/MultiPlan PPO network and offers a range of Initial Unshareable Amount (IUA) options. Their Direct Primary Care partnerships set them apart, offering members access to primary care for a flat monthly fee.
👥 Who Sedera is Best For
- Self-Employed
- Entrepreneurs
- Non-Religious
- Any Provider
Rating Breakdown
Pricing & Costs
Plans from $99/mo to $550/mo based on IUA and household
Coverage Details
| Maternity | ✓ | Eligible after 12-month membership; must be enrolled before conception |
| Mental Health | ✓ | Outpatient mental health eligible with some limitations |
| Telemedicine | ✓ | Included |
| Prescriptions | ✓ | Prescriptions related to eligible medical needs are shareable |
| Preventive Care | ✓ | Through Direct Primary Care partnerships |
| Dental & Vision | ✗ | Not included; dental discount program available |
Network & Requirements
Network Type
Any Provider
No network restrictions — use any doctor or hospital
Religious Requirement
No
No religious affiliation required; community guidelines only
Waiting Period
None
Pre-Existing Conditions
12-month waiting period
Pros & Cons
👍 Pros
- No religious requirements open to everyone
- Use any provider with no network restrictions
- Direct Primary Care partnerships for preventive care
- Good option for self-employed and small businesses
👎 Cons
- Less established brand recognition
- Monthly costs can be higher for comprehensive coverage
- Limited dental and vision options
- Mental health coverage has limitations
📋 How the Claims Process Works
- Receive Medical Care: Visit any provider (check network for discounted rates). Pay your provider directly.
- Pay Your IUA: Cover your Initial Unshareable Amount (deductible) out-of-pocket first: $500–$5,000.
- Submit Bills: Send your eligible medical bills to Sedera via their online portal or mobile app.
- Review Process: Sedera reviews your bills for eligibility based on program guidelines (typically 15-30 days).
- Community Shares: If approved, the community shares (pays) your eligible medical expenses up to Up to $1,000,000 per incident per incident.
Important: Health sharing is not insurance. There are no legal guarantees that your bills will be paid. Sharing is based on program guidelines and community participation.
⏳ Pre-Existing Conditions Policy
Sedera has a 12-month waiting period for pre-existing conditions. This means:
- Waiting period: Medical expenses related to pre-existing conditions are not eligible for sharing during the first 12 months of membership.
- After waiting period: Once the waiting period is complete, eligible expenses related to pre-existing conditions may be shared according to program guidelines.
- What qualifies: A pre-existing condition is any illness, injury, or medical condition for which you received treatment, diagnosis, or advice in the 12 months before joining.
This is standard across most health sharing programs and differs significantly from ACA-compliant insurance, which must cover pre-existing conditions immediately.
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