- IUA · Initial Unshareable Amount
- The amount you pay out of pocket on a large medical Need before the community starts sharing. Most members pick the $5,000 IUA. Think of it as the deductible-equivalent — except you only pay it once per Needs Case (not once a year), and after three IUAs in a Membership Year, the next ones are waived.
- DPC · Direct Primary Care
- A membership-based doctor relationship that doesn't bill insurance. You pay the practice directly. Smaller patient panel, real time per visit, real responsiveness. Rebel Physician is our DPC offering.
- Medical Need
- Sedera's word for a medical event eligible for sharing — surgery, hospitalization, ER, cancer treatment, maternity, large unexpected illness or injury. The community's word for what insurance would call a "claim."
- Needs Case
- A single condition or event grouped together. All the bills for one appendectomy go into one Needs Case — and your $5,000 IUA applies once to that whole case, not once per bill. If the same condition continues into the next year, it's still the same Needs Case.
- Monthly Contribution
- What you pay Sedera every month. Not a premium — premiums imply a contractual obligation to cover. Contributions go into the community pool that voluntarily shares each others' eligible expenses.
- Eligible for Sharing
- Sedera's term for "the community will likely share this expense, per the Membership Guidelines." Replaces the word "covered" — because Sedera isn't insurance, sharing is voluntary and never guaranteed.
- Existing Medical Condition
- A medical condition you had before joining Sedera — what insurance would call a pre-existing condition. Sedera shares these on a sliding schedule (not from day one). The exact rules are in the Membership Guidelines and we walk through them on the call.
- Membership Year
- Your personal 12-month cycle starting on the day you join. Used to count IUAs (max three per Membership Year), and for sharing limits like chiropractic ($3,000/year) or PT/OT/ST ($3,000/year each).
- PRIME+ / SELECT+
- Sedera's tier names. RHA members are on PRIME+, the standard membership level for individuals and households. The "+" denotes the version with the latest sharing rules.
- Sedera RX Marketplace · Savvos
- Two partner programs Sedera members can use. RX Marketplace negotiates lower prices on prescriptions outside the sharing model. Savvos coordinates surgery and procedure pricing, often dropping out-of-pocket cost (and your IUA) substantially.
- Bill Negotiation
- If a hospital sends an inflated bill over $1,000, Sedera's team negotiates it down before the community shares. Refusing to use this when offered may reduce sharing — it's how the community keeps providers honest.
- Health Care Sharing Ministry
- The legal category Sedera operates under. It's a community of members who voluntarily share each others' eligible medical expenses. Not insurance, not regulated as insurance, and structured to operate without insurance-style contractual obligations.
