Sedera Health is a medical cost sharing organization that facilitates the sharing of healthcare expenses among its members. Unlike insurance, there is no chance of financial catastrophe from large medical bills. Members share in each other's medical costs by paying an Initial Unshared Amount (IUA) per medical need, ranging from $500-$5000, with the remainder shared by the community. After 3 needs for individuals or 5 for families, all further costs are fully shared. Pre-existing conditions are shareable after waiting periods. Sedera also provides access to additional services like counseling, telemedicine, and medical bill negotiation to support members' health needs.

1. MPB Care with Sedera
What is Medical Cost Sharing?

2. Our Healthy Care Strategy uses
Medical Cost Sharing to
Eliminates the chance of financial catastrophe from bad health.
Healthcare Expenses

3. Sedera Health (Sedera) is a group healthcare
solutions and benevolence organization. It’s
modeled after a number of proven and highly
successful medical sharing ministries that have
facilitated the sharing of their member’s
healthcare expenses for more than two decades
within the confines of the Christian community.

4. For the benefit of the shareholders that own the
Insurance Company

5. For the benefit of the members that share in the
Community Funds

6. Medical Cost Sharing – a Fast Growing Health Solution

7. Medical Cost Sharing – a Better Way
Health Care through
Community vs Health
Care through Insurance
Industry Wide Estimate:
1 Billion in Sharing
1 Million Members
Freedom from
Networks
Big Savings Over
Health Insurance
Sharing begins at $500, $1000,
$1500, $2500 or $5000 per
need you decide
Promotes a Healthy
Lifestyle
Medical cost sharing by Sedera Health is not insurance and is specific to the Sedera Health membership community.
“Industry-wide statistic source: www.healthcaresharing.org

8. Medical Cost Sharing is “Need” Based
Defining a “Need” and how it works
A “Need” is one or more medical expenses
caused by a SINGLE accident or illness
Initial Unshared Amount (IUA)
What members pay before Sharing begins for the Need
Needs over the IUA ($500, $1000, $1500,
$2500 or $5000)
Limiting your out-of-pocket costs
Fully Shared with the Community
Three (3) for Individual and five (5) when there are
family members participating. Everything is fully
shareable after that point.

9. Medical Cost Sharing in Real Life
Comparing $5000/Family Member Insurance Deductible vs a $500 Initial Unshareable Amount
For Example, a family’s two year old
daughter had a persistent ear infection.
Their deductible was $5,000/per family
member threshold
Care for the child required:
1. A series of antibiotics and booster
injections
2. Visit with an ENT specialist who
inserted tubes in the child’s ear at
a local hospital
Cost of an average family insurance policy with a primary of 45 and a $5000
deductible is $1450.00 per month, a $500 IUA healthy care strategy is $783.00/mn

10. Medical Cost Sharing in Real Life (continued)
Members pay for visits and treatments up to the IUA, costs are fully shared thereafter.

11. Pre-Existing Conditions
Pre-existing Conditions:
When well controlled, these conditions DO NOT
have sharing restrictions
• High Blood Pressure
• High Cholesterol
• Sleep Apnea
• Non-Insulin Dependent Diabetes
Pre-existing Conditions:
Sharing Restrictions*
A condition is considered pre-existing if a member
had symptoms or treatment in the last 36 months
at the time of joining the community.
• Year 1: No Sharing for the Condition
• Year 2: $15,000 sharing limit
• Year 3: $30,000 sharing limit
• Year 4: Fully Shareable
* Standard sharing restrictions apply when joining the community for genetic defects and/or hereditary disease. There are also restrictions on
existing pregnancies when joining the community. Please see the Sedera Member Access Membership Guidelines for more information..

12. Prescription Drug Coverage
Medications:
Cure
Examples: Antibiotics, pain medications related
to a car accident or post pregnancy, chemotherapy
drugs
+ Same sharing rules apply
Maintenance
Examples: Blood pressure medication, cholesterol
medications
+ Sharing eligible for first 120 days following a new
diagnosis
+ After 120 days on a new diagnosis (or for an existing
diagnosis): Our Pharmacy Consultant has good
resources for securing discounted prices for
maintenance medications (paid from pre-tax HSA or
Health Matching Account HMA)

13. In addition to sharing medical expenses, Sedera provides
access to:
• Counseling – Marital, Emotional and Spiritual
• Medical Bill Negotiation
• Telemedicine
• Expert Second Opinion
• Personal Member Advisor