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Home » Blog » Comparison » OneShare Health vs Sedera

OneShare Health vs Sedera

Updated October 30, 2023 by Holly Patiño Leave a Comment

This post may contain affiliate links, which means if you enroll through my link, I’ll receive a small commission at no extra cost to you.

In this post, I am going to do a comparison of OneShare Health and Sedera.

I will go over member responsibility amounts (what member’s pay before the community shares in any medical bills), monthly costs (this is dependent on age, individual/family memberships, and the Member Responsibility amount you choose), preventative sharing, pre-existing conditions, maternity, turnaround time to pay medical bills, and any special considerations to be aware of.

Member Responsibility Amounts

OneShare Health Individual Sharing Amount (ISA): OneShare Health has three levels of personal responsibility amounts: $5,000, $7,500, and $10,000. This is the amount the member would need to pay before the OneShare Health community would share in any medical expenses.

Sedera Initial Unshareable Amount (IUA): The Initial Unshareable Amount (commonly known as the “IUA”), is the amount the member would need to pay before the HealthShare will “share” in any medical expenses. Sedera has five IUA amounts to choose from: $500, $1000, $1500, $2500, and $5000.

Monthly Contribution Price Range

OneShare Health: $115 to $1,750 (plus $50 for each child after the first three)

Sedera: $113 to $1,713

Statement of Faith

OneShare Health: Must agree to their core biblical principles. The HealthShare is based on the Anabaptist Faith. 

Sedera: None – They accept people of all faiths.

For more detailed information on faith-based requirements, please read this post about Christian Health Share Plans.

If you prefer a HealthShare that has no religious requirements, please read my post about Non-Religious Health Share Plans.

Preventative Sharing

OneShare Health: For the Catastrophic Plan, there are no preventative treatments shared with members. For the Classic and Complete Plans, there is a 90-Day Waiting Period, excluding Immunizations, for Preventive Services and one (1) Wellness Visit per Member per Program Year.

For out-of-network Preventative Services, Primary Care Physician, or Specialists, 50% is shared after the member pays their ISA. For in-network Preventative Services, they will share up to $1,000. For a Primary Care Physician there is a $20-$50 visit fee. For Specialists, there is a $75-$125 visit fee.

Sedera: Routine childhood immunizations are shareable. Diagnostic colonoscopies and Diagnostic mammograms are shareable after an IUA is paid – some restrictions may apply (age, need, reasonable cost, etc).

Pre-Existing Conditions

OneShare Health: There is a 24-Month Waiting Period for Pre-Existing Conditions. However, Routine Maintenance is available through PCP, Labs and Specialists Visits on the Classic and Complete Program for the following conditions: Diabetes 1&2, High Blood Pressure, High Cholesterol, and Thyroid.

Sedera: 1 year waiting period (nothing shareable related to the pre-existing condition, up to $15,000 shareable after the first year, up to $30,000 shareable after the second year, and fully shareable after the third year.

For more detailed information, please read my post about How The Top HealthShare’s Handle Pre-Existing Conditions.

Maternity

OneShare Health: For the Catastrophic Plan, there is no sharing available for Maternity needs. On the Classic and Complete Plan, members would need to pay their Individual Sharing Amount (ISA). OneShare will share up to $5,000 for a natural delivery, up to $8,000 for a c-section, and up to $50,000 if there are complications. 

Sedera: Medical expenses for childbirth that have an expected delivery date within the first 12 months of membership are not shareable. Normal vaginal deliveries and emergency Cesarean section deliveries have a total Initial Unshareable Amount (IUA) of $5,000. Non-emergency/elective Cesarean section deliveries have a total IUA of $7,500. The standard IUA levels of $500 – $5,000 do not apply for Maternity Needs.

Feel free to learn more at The Top HealthShare’s Maternity Benefits (Comparison Guide).

Turnaround Time for Paying Medical Bills

OneShare Health: 21 days

Sedera: 30-60 days

Considerations

OneShare Health: After members pay their Individual Sharing Amount (ISA), which can be $5,000, $7,500, or $10,000, the HealthShare has limits on how much they would share. For example, a hospitalization can cost a member their Individual Sharing Amount plus 20% to 40% of the medical bills, depending on which program you choose. For larger unexpected medical expenses, this can add up quickly for their members. 

Maximum Limit Per Incident: $150,000 / $250,000 / $500,000 (depending on which program you choose)

Lifetime Sharing Maximum: $300,000 / $500,000 / $1,000,000 (depending on which program you choose)

Sedera: No single need may consume more than one third of the total number of shares available in a given month. This can result in a medical need being capped, but it is at an unknown amount since it is dependent on how many people contribute each month.  Also, members are Required to join with an association, company or other grouped billing. 

Which Health Share Plan Should You Join?

Choosing a Health Share plan is a very personal decision. Feel free to check out OneShare Health Reviews and Sedera Reviews. I provide a lot more information on each Health Share and you can read reviews from other members. 

There are so many different Health Share plans to choose from, which is great, but it can also be overwhelming! To help narrow down your choices, I wrote an article on the Best Health Share Plans. You will find which health share plans I recommend to help you on your search for affordable healthcare.

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Filed Under: Comparison

Holly Patiño
Hello! My name is Holly, and I am so happy you have found my website! Before I left the workforce to become a stay-at-home mom, I spent 11 years working for an Investing Education company, later acquired by a large brokerage firm, where I specialized in Risk Management. With that experience, I have become very thorough with legal documents, which I used to comb through and really deep dive into each Health Share’s website to determine what medical bills are actually shareable with their members. I have created Health Share 101 to provide the information you need to make an educated decision for you and your family.

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