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“One of the things we really like about Sedera is their focus on healthy living to keep their costs down,” says Rick Gonzalez, CEO of RoamHR.

It can be a real medical management jungle out there. Today’s healthcare landscape is confusing and expensive, and startlingly, the number of people in the U.S. without healthcare has risen by about two million in the last several years. To make matters worse, healthcare costs are skyrocketing, and this is particularly tough for freelancers. As the open enrollment deadline for Marketplace approaches (the 2021 open enrollment period runs from November 1 to December 15, 2020), it’s important to be aware that it’s no longer true that your only healthcare choices are private insurance or 

RoamHR cares about freelancers’ quality of life, and this absolutely includes medical needs. That’s why we have partnered with Sedera to spotlight a healthcare alternative that may be “just what the doctor ordered” for many freelancers and self-employed workers.

 Sedera is not insurance. Built on the proven 30-year legacy of the healthcare sharing model, and inspired by the modern sharing economy, Sedera offers a unique Medical Cost Sharing solution. This is an arrangement where a Member voluntarily contributes to the medical needs of a larger Community on a monthly basis, and then, when that Member has a medical Need, the Community shares with them in turn. There is no provider network, and no in-network/out of network concerns – simply freedom of choice when it comes to the doctor you visit. 

The cost-sharing model allows you to negotiate for fair prices when you have a major medical Need. A “Need” is defined by all of the medical expenses caused by a single incident that exceeds your initial unshareable amount (IUA). The IUA is the amount you pay before the Community begins to share in your medical expenses. You choose your own IUA amount. 

“One of the things we really like about Sedera is their focus on healthy living to keep their costs down,” says Rick Gonzalez, CEO of RoamHR.  “Freelance workers as a group are active and energetic, which aligns well with the Sedera solution and philosophy.”

Besides affordable monthly costs, perks of the model include 24/7 unlimited access to doctors, nurses and health advisors; telemedicine services and prescription discount services; expert second opinions; monthly webinars to help Members get the most out of their Membership, and a user-friendly online direct care finder mechanism. Member contributions are protected in an FDIC-insured bank account. 

Medical insurance is definitely not the only option out there. Access to healthcare is a critical component of a quality life, and Sedera offers a creative healthcare alternative that could truly be life-changing for the self-employed. 

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