Self-EmployedEntrepreneursNon-ReligiousPPO Network
Founded 2014
100,000+ members
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.
Rating Breakdown
Pricing & Costs
Monthly Cost Range
$200–$550/mo
Deductible / IUA Range
$500–$5,000
Max Sharing Amount
Up to $1,000,000 per incident
Varies by IUA selection and household configuration
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
PPO Network
PHCS/MultiPlan
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
- Strong PPO network with negotiated rates
- 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
Ready to Join Sedera?
Visit their website to see current pricing for your household and get started.
Get a Quote from Sedera →