WELLVANA + Sedera Medical Cost Sharing

The Wellvana Minimal Essential Coverage (MEC) insurance product coupled with a Sedera Medical Cost Sharing* Membership is an innovative option to affordably manage large and small healthcare costs without compromising quality of care.

Healthy employees. Healthy business. Great outcomes.

• Lower Monthly Expenses

• Less Out-Of-Pocket Expenses

• High-Quality Primary Care

• Sharing Community for Large and Unexpected Medical Costs

 

How do Wellvana & Sedera* Medical Cost Sharing work together?

Wellvana brings together two separate products to provide a high-quality solution for managing small and large medical costs.

1. Insurance – Routine/Smaller Medical Costs

The Wellvana Powered Minimal Essential Coverage (MEC) Plan is insurance utilized for routine and small-to-medium health care costs. The plan includes ACA compliant preventative care services and has no pre-existing condition limitations.

Wellvana MEC Plan Overview

Wellvana MEC Plan**
MEDICAL BENEFITS
Preventative/Wellness
Covered 100%
Primary Care /Specialist Office Visits
$0 copay
Urgent Care
$20 copay Wellvana
Labratory Services/X-rays
$20 copay Wellvana
Prescriptions
Maximum Monthly Benefits
No Maximum
Generic Drugs
$10 Copay (Teir 1)/ $25 (Teir 2)
Preferred Brand Drugs
$50 Copay (Teir 3)/ $75 (Teir 4)


**Example Plan Design

ILLUSTRATION

Here’s how a property management firm with 65 Employees saved $166,254 in year one by switching to Sedera Medical Cost Sharing + the Wellvana Network.

HAND DOLLARS

Facing 30% RENEWAL INCREASE

ANNUAL EMPLOYEE SAVINGS $94,974

ANNUAL EMPLOYER SAVINGS $71,280

5 YEAR SAVINGS PROJECTION $441,000

2. Sedera Medical Cost Sharing Community – Serious/ Larger Medical Costs

The Sedera Medical Cost Sharing Community is an innovative approach for managing large healthcare costs. Sedera is not insurance, but a community of like-minded individuals who work together to save money without compromising quality of care. Sedera Member Services help negotiate down large bills while providing direction to Members on cash pay friendly medical care and the Needs sharing process.

Sedera Medical Cost Sharing Membership Overview

SEDERA’S MEDICAL COST SHARING MEMBERSHIP
Initial Unshareable Amout (IUA)
$1500 per medical need
Annual Individual Max # of IUAs
Annual Family Max # of IUAs
Max Sharable Amount
No maximum

ILLUSTRATION

Here’s how a property management firm with 65 Employees saved $166,254 in year one by switching to Sedera Medical Cost Sharing + the Wellvana Network.

HAND DOLLARS

Facing 30% RENEWAL INCREASE

ANNUAL EMPLOYEE SAVINGS $94,974

ANNUAL EMPLOYER SAVINGS $71,280

5 YEAR SAVINGS PROJECTION $441,000

Wellvana powered MEC Insurance Plan FAQs

Are there plan limitations or caps on the number of visits for primary, specialty, urgent, lab work, and x rays, or prescription medications?

No, there are no limitations or caps. 

How do I find providers in the Wellvana Network?

To locate providers participating in the Wellvana Clinically Integrated Network of Providers, visit www.wellvana.com/markets.

What if I am in a geographic area or in need of a specialist that is not served by the Wellvana Network of Providers?

You can locate providers in our wrap network by visiting www.multiplan.com and click “Find a Provider” located in the top right-hand corner of the page and follow the steps below.

  1. After acknowledging you have read the disclaimer at the bottom of the screen, click on the

green “Select Network” button.

 

  1. When selecting your network, choose “PHCS,” then “Specific Services.”

 

  1. Enter one of the search criteria suggested in the search box to begin your search.

 

  1. If your browser settings don’t allow your location to be detected, enter a zip code.
Do I get an insurance card?

Yes!

 

 FAQs about the Sedera Medical Cost Share Community

https://sedera.com/sedera-faqs/

Wellvana has partnered with experienced brokers in the Medical Cost Sharing + Insurance Space. Fill out the form below to connect with one today or email us at employers@wellvana.com

 

*NOTICE: SEDERA, INC. IS NOT AN INSURANCE COMPANY AND THE SEDERA MEDICAL COST SHARING MEMBERSHIP IS NOT ISSUED OR OFFERED BY AN INSURANCE COMPANY. WHETHER A SPONSORING ENTITY CHOOSES TO SEND MONETARY ASSISTANCE TO YOU AND/OR YOUR FAMILY TO HELP WITH YOUR MEDICAL EXPENSES WILL BE TOTALLY VOLUNTARY AND NEITHER YOU NOR SEDERA, INC. HAS ANY RIGHT TO COMPEL PAYMENT OF MEDICAL COST SHARING COSTS FROM ANY MEMBER. THE SEDERA MEMBERSHIP IS NOT AND SHOULD NEVER BE CONSIDERED TO BE OR TO BE LIKE A GROUP INSURANCE POLICY OR AN INDIVIDUAL INSURANCE POLICY.

WHETHER YOU RECEIVE ANY MONEY FOR MEDICAL EXPENSES, OR WHETHER OR NOT THIS MEMBERSHIP CONTINUES TO OPERATE, YOU AS THE MEMBER WILL ALWAYS REMAIN LIABLE FOR YOUR UNPAID MEDICAL EXPENSES AND DO NOT HAVE ANY LEGAL RIGHT TO SEEK REIMBURSEMENT OR INDEMNIFICATION FOR ANY SUCH EXPENSES FROM SEDERA, INC. OR ANY OTHER MEMBER OR SPONSORING ENTITY. THIS IS NOT A LEGALLY BINDING AGREEMENT TO REIMBURSE OR INDEMNIFY YOU FOR THE MEDICAL EXPENSES YOU INCUR, BUT IS AN OPPORTUNITY FOR YOU TO ASSIST OTHER MEMBERS IN NEED, AND WHEN YOU ARE IN NEED, TO PRESENT YOUR MEDICAL BILLS TO OTHER MEMBERS AND SPONSORING ENTITIES AS OUT LINED IN THESE GUIDELINES. THE FINANCIAL ASSISTANCE YOU MAY RECEIVE WILL COME FROM OTHER  MEMBERS AND/OR SPONSORING ENTITIES, AND© 2020 Sedera, Inc. – All rights reserved NOT FROM SEDERA, INC.