Sedera Health Sharing Plans
Reviewed by Leslie Jablonski – Fact checked by Wiley Long
About Sedera Health Sharing Plans (TruHealth)
Sedera, or Sedera Health, is an organization in Colorado committed to helping individuals find more affordable, flexible ways to manage healthcare costs.
Now operating under the TruHealth Group, Sedera offers versatile health sharing plans – providing people with a transparent, member-focused alternative to classic health insurance.
Unlike some alternatives, Sedera offers a range of virtual, and in-person care solutions, designed to accommodate a range of lifestyles.
Members benefit from flexible 24/7 telemedicine services, virtual primary care dedicated physicians, discounts across various solutions, and the ability to top up their healthcare with dental, vision, and chiropractic services.
Sedera Health Plan Options
Through TruHealth, Sedera now offers three versatile plans:
TRU-Virtual
For anyone who prefers online appointments, TRU-Virtual is the perfect fit.
- Round-the-clock telemedicine access
- Virtual primary care consultations
- Mental health support through video or phone visits
- Prescription benefits including 800+ no-cost medications
- Discounts on labs, imaging, and more
- Dental, vision, and chiropractic discounts
- A marketplace with deals on everyday purchases
TRU-Virtual First
TRU-Virtual First expands on the digital-first experience and includes additional in-person options:
- Unlimited access to telehealth
- Virtual specialty care services
- In-person urgent care visits at a low, flat rate ($25 per visit)
- Quest Labs with minimal or no fees for key tests
- Ongoing mental health and primary care services
- Comprehensive prescription savings
- Dental, vision, and chiropractic discounts
- Broad discount marketplace
TRU-DPC (Direct Primary Care)
TRU-DPC revolves combines in-person care with digital services:
- Unlimited in-office appointments for a small copay ($10 per visit)
- Virtual care solutions, including 24/7 telemedicine
- Yearly checkups and basic lab services
- Chronic condition monitoring and specialist referrals
- Prescription access for over 800 medications
Regular discounts on various medical and lifestyle services
About Sedera Health Sharing Plans (TruHealth)
Regular discounts on various medical and lifestyle services
| Feature | TRU-Virtual | TRU-Virtual First | TRU-DPC |
|---|---|---|---|
| 24/7 Virtual Telehealth | YES | YES | YES |
| Virtual Primary Care | YES | YES | YES |
| Virtual Mental Health Services | YES | YES | NO |
| Prescription Access (800+ meds) | YES | YES | YES |
| Discounted Lab Services | YES | YES | YES |
| Discount Marketplace | YES | YES | YES |
| Dental, Vision and Chiropractic services | YES | YES | YES |
| Virtual Specialty Care | NO | YES | YES |
| In-Person Urgent Care ($25 per visit) | NO | YES | YES |
| Unlimited Quest Labs | NO | YES | NO |
| In-Person Direct Care ($10 per visit) | NO | NO | YES |
27/7 Telehealth and a Virtual Primary Care Physician
Every Sedera plan includes 24/7 telehealth services – allowing users to connect with care providers with a single click through the Healthwallet app.
Members also get easy access to a virtual primary care dedicated physician, ideal for annual physicals, prescription management, and check-ups.
Members also get virtual mental health care and virtual specialty care on two out of three plans.
Flexible In-Person Support
TRU-Virtual First expands on the digital-first experience and includes additional in-person options:
Two of Sedera Health’s packages include access to in-person urgent care visits – supporting unlimited appointments for $25 per visit.
The most advanced plan (TRU-DPC) also includes In-person direct care with board-certified physicians for $10 per visit.
Affordable Prescriptions and Versatile Discounts
TRU-DPC revolves combines in-person care with digital services:
Members of Sedera Health can receive over 800 commonly prescribed drugs at no extra cost through TRU-Rx.
Sedera also gives all members access to a full discount marketplace, offering savings of up to $4,900 per year with deals across travel, car insurance, entertainment, and more.
Extensive Coverage: Dental, Vision, and More
Every Sedera membership supports dental, vision, and chiropractic services, with deep discounts on fitness centers, LASIK, and other services.
All members can also access discounted lab services with no additional costs (with more than 2,200+ testing centers to choose from nationwide).
Plus, unlimited free Quest Labs are available on the TRU-Virtual First plan.
Customizable Plans and Care
With Sedera Health, members are free to choose their average IUA amount – based on their available budget.
Sedera also allows members to use their health sharing benefits with any provider they choose – giving them the freedom to select their own doctors, clinics, and hospitals, without having to worry if a doctor is “in network”.
Enrolling in a Sedera Plan
Join thousands of people using Sedera health sharing plans to reduce the costs of healthcare today, with just a few simple steps:
1. Go to the enrollment page.
2. Select the plan you want and click Quote & Enroll.
3. Follow the prompts to enter all required information and once everything looks good, click Submit.
If you need guidance, a ColoHealth Personal Benefits Manager can walk you through each step, from quote to completion.
Sedera Health Pros and Cons
Sedera offers meaningful perks but also has certain limitations.
Pros
- Lower Monthly Contributions: Sedera’s contributions often cost less than standard insurance premiums.
- Plan Variety: Ranging from virtual-focused to in-person and hybrid, there’s an option for every preference.
- No Restricted Networks: Members can see any provider they want, cutting out the need for referrals.
- Prescription Savings: Over 800 medications can be obtained at no cost.
- Preventive Services: Physicals, labs, and wellness programs are often bundled in.
Cons
- Not Traditional Insurance: Although Sedera supports its members well, it does not offer an insurance contract.
- Limitations on Pre-Existing Issues: For the initial year, support may be reduced for conditions that started before membership.
- Voluntary Sharing: Shared costs rely on community support rather than an insurance policy guarantee.
- Pre-Authorization: Major procedures may need prior approval for coverage to be confirmed.
- Less Suitable for Chronic High Costs: Those with frequent, expensive health needs might find regular insurance more predictable.
Frequently Asked Questions About Sedera
Q: Who should consider Sedera Health?
Sedera Health Sharing plans are a good option for individuals or families who don’t qualify for a premium subsidy via the Affordable Care Act.
Sedera is also a good choice for individuals or families who want to maintain control over their Initial Unshareable amount and their choice of doctors or clinics.
Q: Do Sedera plans include prescription drugs?
Sedera plans include low-cost access to over 800 common medications.
Through TRU-Rx, plan members can often access the most used generic medication for free. However, limitations may be imposed on some prescriptions.
Q: Can I choose any doctor or specialist?
Yes. Sedera has no network restrictions, so you can visit any licensed practitioner. This aspect ensures maximum freedom for members to select providers who fit their preferences.
Q: What is an Initial Unshareable Amount (IUA)?
The IUA is the out-of-pocket sum a member handles before they can submit medical costs for sharing. It functions similarly to a deductible but comes with the flexibility of a community-based approach.
Q: Are Sedera plans the same as health insurance?
No. Sedera is a healthcare cost-sharing community, not an insurance company. Members voluntarily share expenses, a system designed to relieve them from many of the costs and constraints of traditional insurance.
Q: Are pre-existing conditions included?
Pre-existing conditions might have waiting periods or partial limitations during the first year or so. Over time, coverage for those conditions can expand under the plan’s rules.
Q: Is it possible to pair Sedera with other medical options?
Absolutely. Many individuals combine it with direct primary care memberships or an HSA-based plan, maximizing their coverage and financial benefits.
Q: Which expenses usually qualify for sharing?
Sedera typically covers sudden or significant needs like surgeries, hospital visits, and emergencies. Basic checkups and preventive treatment might not be shareable under the usual guidelines, so it’s vital to check the plan details.
Health Insurance Instant Quote
HEALTH INSURANCE INFORMATION
- Plans approved and authorized under the Affordable Care Act
- Covers Pre-Existing conditions
- Low cost subsidized plans available to those earning
< 400% of the federal poverty level - Unlimited lifetime benefits
- Available during open enrollment (November 1 – January 15), or if you qualify for a Special Enrollment Period
Healthshare Instant Quote
HEALTH COST-SHARING INFORMATION
- Not health insurance, but a way for like-minded individuals to share medical expenses
- Waiting periods on pre-existing conditions
- May exclude sharing for certain conditions or activities
- Enroll any time
- Much lower monthly cost than unsubsidized health insurance
Sedera Health of Colorado Reviews Section
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Quick process
I love Sedera! Their community approach to healthcare has been a perfect fit for my family. Every time we’ve needed help, the process has been quick, and the customer service has been fantastic!
Not Perfect
I like the idea behind Sedera, and it’s worked fine for basic medical needs, but the lack of preventive care coverage and delays in bill sharing have been frustrating at times. It’s a decent option if you’re trying to save money, but it’s not perfect.
Reliable Partner for Health Security
Sedera has been a reliable partner in safeguarding my family’s health. The health share plan provides excellent coverage and ensures that we feel secure in times of medical need. The simplicity of the process, coupled with the extensive network of healthcare providers, has made our experience exceptional.
The plan is good option
Reliable Partner for Health Security- Sedera has been a reliable partner in safeguarding my family’s health. The health share plan not only provides excellent coverage but also ensures that we feel secure in times of medical need. The simplicity of the process, coupled with the extensive network of healthcare providers, has made our experience truly exceptional.
Efficient and Transparent Service
Sedera commitment to transparency and efficiency has made my experience as a policyholder incredibly positive. From clear communication about coverage details to the seamless claims process, I appreciate how Sedera prioritizes transparency in every aspect of its service.
Value for Money
Sedera’s health share plan strikes the perfect balance between affordability and comprehensive coverage. As a father of four, managing healthcare costs is crucial, and Sedera has proven to be a cost-effective solution without compromising on the quality of care. I’m impressed and grateful, hence the five-star rating. Layla Martin
Exceptional Coverage and Service - A Seamless Support
I’ve been a Sedera customer for several months now, and I must say, their health share plan has exceeded my expectations. The coverage is comprehensive, and I appreciate the prompt and helpful assistance whenever I’ve had questions. Sedera’s commitment to ensuring my family’s well-being has truly made a positive impact on our healthcare experience. Five stars without a doubt!
Good Coverage, but a Bit Pricey
Sedera Health offers solid coverage, but the prices are a bit higher than I would like. Still, it’s way cheaper than a regular health insurance plan. So far, I’ve been happy with the plan overall.
Disappointing
I was really hoping that Sedera Health would provide more comprehensive benefits. , but I’ve been pretty disappointed with the waiting periods on pre-existing conditions and the services that aren’t covered. I may need to look into a different health insurance option with broader coverage.
WARNING: SEDERA, INC. IS NOT AN INSURANCE COMPANY AND THE SEDERA MEDICAL COST SHARING MEMBERSHIP IS NOT ISSUED OR OFFERED BY AN INSURANCE COMPANY. WHILE EVERY EFFORT IS MADE TO MEET MEMBER’S MEDICAL NEEDS, SEDERA, INC. AND THE SEDERA MEDICAL COST SHARING COMMUNITY DO NOT GUARANTEE PAYMENT OF ANY MEDICAL EXPENSE.