Click Here for a detailed Benefits Summary and Enrollment Guide

Click Here for a detailed Benefits Summary and Enrollment Guide

The Sedera Health medical cost sharing model boldly challenges the insurance status quo. Through an innovative layering of healthcare services, we enable individuals and families access to high quality healthcare that is affordable, flexible and effective.

In addition to sharing medical expenses, Sedera provides access to valuable Counseling, Medical Bill Negotiation, Telemedicine, Expert Second Opinion, and Personal Member Advisor services to all members.

Learn about Sedera's entire package: Medical Cost Sharing plus the included services that come with your membership. Our goal is to help you become a #SederaSavvy health care consumer.

Click Here to View the Sedera Access Guidelines 

Click Here to View the Sedera Pricing when paired with Apex HDHP Basic /MEC 

Click Here to View the Sedera Pricing when paired with  Apex Advantage

Click Here link to View Sedera Health Overview - Medical Cost Sharing how does it work. 

Why Cancer Insurance?  A cancer insurance policy is an insurance policy that pays a lump sum if the policy holder is diagnosed with cancer.  These plans have payouts that typically range from $5,000 to $20,000 (plans with higher payouts have higher premiums).  Cancer insurance policies are similar to critical illness plans, but are limited to cancer diagnosis, rather than the broader array of illnesses that are covered under critical illness plans.  Cancer insurance policies are not designed to serve as stand-alone coverage; they’re intended to supplement a regular major medical health insurance plan. The money from the cancer insurance policy can be used to cover out-of-pocket costs under the major medical plan, as well as other expenses that arise during cancer treatment, like lost wages and the cost of traveling to treatment facilities.

Click HERE for Brochure

Why Accident Insurance?  Accidents happen to everyone, slip on the ice, trip on a toy, fall down the steps, car accident, or from outdoor activities like hiking or skiing.  Accident Insurance is not designed to be stand-alone coverage but to supplement health coverages.  Accident Insurance helps you pay for the medical and out-of-pocket costs you may incur after an accidental injury for you or family member with Lump Sum payments.  The lump-sum payment that can be used for out-of-pocket expenses such as copayments and deductibles that apply to emergency room, hospital stays, medical expenses and other expenses you may face, such as transportation and lodging and income replacement while recovering from an accident.

Click Here to View Brochure

Why, Critical Illness Insurance?  Critical Illnesses cause financial devastation to millions of individuals and families, even though they may have adequate coverage for medical expenses. A Critical Illness policy is not designed to be a stand-alone coverage, but to supplement health coverages.  When treating or recovering from a critical illness such as heart attack, stroke, organ transplants, cancer, coronary bypass a critical illness policy provides the much-needed cash to continue to pay for health benefits and out-of-pocket expenses.  In addition, when no income may be coming in, critical illness insurance can provide enough cash to pay the mortgage, car payment, day-to-day expenses, other insurance, car and homeowners, etc.  Its primary purpose is to provide cash to maintain your standard of living while recovering from a critical Illness.

Click Here to View Brochure

Why 20 Year Group-Term Life Insurance?  If something happens to you, is your family ready in the event of your death?  No one knows, but there is a way to protect against the unexpected with a 20 Year Group-Term Life Insurance.  You can secure your family’s future if something happens to you or a loved one.  Buying life insurance is something that you should not put off.  Prudent financial planning can protect your family with 20 Year Group-Term Life Insurance  in  an affordable an economic way.

Click Here to View Brochure

Why Universal Life?  Experts agree that universal life insurance is a more affordable alternative to whole life insurance.  Universal life insurance is a form of permanent life insurance that may provide life insurance protection along with the benefit of flexible premiums, and cash value buildup, similar to the savings element in whole life insurance.  What this means,  when a premium is paid, a portion of the premium pays the actual cost of life insurance and the remainder of the premium is applied to a sort of built-in savings account in the policy know as cash value.  Since cash value is present which does take a period of years to accumulate, and the cash value is high enough, premiums may be skipped in the future for periods of time as long as the cash value is high enough to sustain the premium.

Click Here to View Brochure

Why Short-Term Disability Insurance? Short-Term Disability Insurance provides a source of income to people who are unable to work due to an accident or illness.  Many do not have the means or cash to get through a period of 90 to 180 days when they cannot work and have no income due to an accident or illness.  Short-Term Disability Insurance provides you a solution to protect against the loss of income when you cannot work due to an accident or illness.

Click Here to View Brochure