Medical Cost Sharing


A Comprehensive and Cost-Effective Healthcare Solution

Combining BowTie’s Virtual Comprehensive Care (VCC) to Sedera Select + is a powerful healthcare solution. The combination helps VCC/Select + members achieve better health outcomes and lower the overall cost of care. VCC is there for both primary and complex medical issues and the Sedera Medical Community is there to provide support during major medical events. Together VCC and Select + deliver high quality health care from start to finish.

The Sedera Medical Cost Sharing Community

The Sedera Medical Cost Sharing Community (“Sedera MCS Community”) is a membership based non-insurance community of like-minded individuals established for the purpose of sharing legitimate healthcare expenses between its members. The Sedera MCS Community members willingly assist one another with healthcare costs through voluntary monthly giving.

Sedera members join a community of like-minded individuals who are committed to leading a healthy lifestyle and want to be active and engaged participants in their health care decision making. Members of the Sedera MCS Community remain responsible for paying their own healthcare costs. But, if these healthcare costs are shareable as agreed to and outlined in the community’s guidelines, the other members of the community can contribute funds to partially offset these healthcare costs.

Some Key Definitions

Medical Cost Sharing (MCS)

A membership-based non-insurance arrangement established for the purpose of sharing legitimate medical expenses between members. Also referred to as Health Care Sharing.


One or more shareable medical expenses caused by an injury or illness to an eligible Member that exceeds the Member’s Initial Unshareable Amount (IUA).

Sharable Amount

The amount of the Need request that remains after the member’s Initial Unshareable Amount (IUA) has been satisfied and falls within the Guidelines for sharing within the membership.

Initial Unshareable Amount (IUA)

The specified financial amount (in dollars) that members are required to bear on their own prior to any amount that may be eligible for sharing.

Unshareable Amount(s)

A medical expense incurred by a Member that is not shareable for one or more of the following reasons; violation of member responsibilities, non-current membership status, or any other condition that is excluded by the Guidelines.

For More Information About Sedera

2022 Sedera Select+ Pricing with VCC

Children defined as < 18 years old. Additional Members at $40 per adult / $25 per child.

Contact Us for More Information