The simplicity and transparency of the plan make it stand out. The cost-sharing aspect has made healthcare affordable, and the freedom to choose our providers is invaluable. Our claims have been processed smoothly, and the reimbursement process is efficient. The wellness resources provided by Sedera have been an added bonus, helping us stay proactive about our health.

First, it’s way cheaper than regular insurance. I save about half off my old premiums from my former plan.

I can pick my doctor. There’s no network I have to worry about.

I’ve had a couple of medical events and got reimbursed within two weeks both times.

Preventive care is covered.

Great customer support.

I get big discounts because providers think of me as a cash customer. Which I am.

Sedera’s not for everyone. But for self-employed creatives who don’t get a break from an Obamacare subsidy (like me!) it’s a great option.

We submitted our new baby to the portal within the 30 day window that we were instructed. This update is not auto-approved, though. It is delayed. This put us in a position where our baby was not approved in their 30 day window so they rejected all of her claims. They told us that we were supposed to call to have it approved sooner, but they never communicated that in their initial emails. My partner submitted the addition within 2 weeks of having the baby, but we did not get a confirmation email which we should have received from the system. Instead, we got an email several weeks later, on august 1st, saying that the changes made on august 2nd (???) would be approved august 3rd. However, I went through my partners browsering history and she was not on the Sedera account page on the 1st or the 2nd. This means that we did not get the email confirmation at the right time and were unable to have them change the time that our baby was added to fit in the 30 day window. They said they couldn’t accept our browsing history as proof, and we didn’t have any confirmation otherwise because the email was not sent when she completed the account change. I tried to test the email confirmation by adding a new account, and we got an email right away, but that did not happen the first time. I found it strange that the wording of the email confirmation was different the first time than the test time, but the rep I spoke to claimed that was due to a time discrepancy with a tech company they contract. This is not to mention that they are tirelessly picking apart every claim that we submit saying that we don’t have the right information. It feels like they are picking us apart over every dollar, and that we got screwed on a tech issue when we tried our best to follow the policy. There is no element of basic human decency or trust. I would not recommend this company at all.

Had a small issue but they got it fixed. Member Services and Needs Coordinators are SO easy to contact and communicate with! Pretty happy with our plan so far.

WHAT I LIKE: Sedera saves me almost half what I was paying for my family health insurance plan from Blue Cross. We earn just over the threshold for an ACA subsidy, so that’s a big deal for us.

Reimbursement is pretty quick. We had some shareable expenses and they sent what they were supposed to send within a week of us submitting all the bills.

When we do have an issue, customer service has been great. They’re easy to contact and very responsive.

WHAT I DON’T LIKE: Sedera doesn’t share costs for naturopathic, homeopathic or other alternative forms of care.

I’m very disappointed in my maternity experience with Sedera. There is already a high unshareable amount ($5,000) which we agreed to pay. I gave birth to my daughter in November 2021 and was told I needed to add her within 30 days to have her covered by Sedera. I tried to add her online 4 days after her birth and thought I added her successfully, only to realize too late that it didn’t work. I told them what happened and even sent my internet history showing I was on the Sedera website 4 days after her birth, but my request was denied. We now have to pay an additional 4k+ for her birth because of this mistake.

Terrific! I had to have minor surgery two weeks ago. I submitted the final bill to Sedera and they wired me the full shareable amount within a week! I didn’t even have to make a phone call.

It wasn’t the cheapest healthshare plan on the market, but I’d definitely recommend them.

Our last healthshare company went out of business last year so we had to find a new one. Only went with Altrua because of a recommendation from another business owner. We’re pretty happy with them so far. The plans are bit more expensive but not by much. We dealt with our first cost sharing requests this week and everything went smoothly.

My ER bill was waiting to be paid for almost 3 weeks. The cost sharing came through, but I had to hold of on paying some bills. Just be ready for the wait if you get sick or injured.

We got a needs coordinator when my wife was sick with COVID late last year. He was so nice and attentive, and was calling to check on our needs all the time. We felt really taken care of, and it was during such a hard time. Thanks to the whole team!

I was in the E.R. really briefly, and it was covered by my Sedera program. But It took a few weeks for the sharing payment to come through. I was hoping it would be a little quicker. But it worked just like they said it would.

Hands down, these guys have the best customer service team in the business. If you’ve ever had to drive your kid to the hospital, then you know how much it means to have someone who truly cares handling the bill. I’ll never forget the love and care we received from the Sedera community in our time of need. Members for life.

Everyone was telling me that I needed to offer a health plan if I wanted my company to grow. I don’t need to offer anything because I only have about 20 employees. But Sedera lets me choose how much to contribute. I can pay a little towards their plans, and that’s much better than nothing.

Our small company transitioned to health sharing this year with Sedera. This was our first time offering an employee health benefit, and we weren’t sure how it would go. Last week we submitted our first needs claim, and the process was just as smooth as they said it would be. The employee got their check within weeks, which is even faster than they predicted.

The costs from my ER visit took about 30 days to process. I’ve heard other members getting their cost sharing handled in as fast as two weeks, so that was kind of a bummer. But other than that, Sedera has done a pretty good job. They’re team is super nice, and that’s always a big deal.

Loving the monthly price of the plan. But I went to the ER last week and had to pay almost the whole bill myself, just because I hadn’t met my member commitment yet. It was a hard bill to cover.

I’d love to give my employees a good health insurance plan, but since we’re so small, there’s just no way we can afford it yet. Sedera healthshare isn’t as comprehensive as some of the group plans that we looked at, but it’s a lot more affordable. Now, we at least have something in place for a benefits package. For now, it gets the job done.

I was diagnosed with an immune disorder in 2019. I was already signed up with Sedera, but I was terrified that it wasn’t going to be enough to pay for what was about to come. Once I was admitted to the ICU, I thought that I’d be paying a fortune. But Sedera connected me with my needs coordinator, they handled everything. The community came together and paid for my hospital costs, just like they said they would.

I got my small business signed up with Sedera last year, after the pandemic made it clear that I needed to offer some kind of health benefit. I was losing employees to other jobs that could offer health insurance. The Sedera Select plus plan lets me contribute however much I want, giving my workers an option that’s affordable. I think it’s working … We’re pretty happy with the program so far.