• Skip to main content
  • Skip to secondary menu
  • Skip to primary sidebar
  • Skip to footer
Health Share 101 logo

Health Share 101

The #1 Website about Health Shares

  • Home
  • Health Share Reviews
  • Health Share Comparisons
  • Blog
  • About
  • Contact Us
Home » Blog » Comparison » Samaritan Ministries vs Sedera

Samaritan Ministries 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 Samaritan Ministries 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

Samaritan Ministries Initual Unshareable Amount (IUA): The initial unshareable amount, or IUA, is the amount that a member will pay before Samaritan Ministries shares in medical expenses. Your IUA amount will depend on which program you decide to join. For the Samaritan Basic, your IUA amount is $1,500. For the Samaritan Classic, your IUA amount is $400. If you want to change your program, there is a $100 fee to do so.

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

Samaritan Ministries: $135 to $555

Sedera: $113 to $1,713

Statement of Faith

Samaritan Ministries: Must agree to their Statement of Faith. Must attend church regularly (3 out of every 4 weeks). Must have your pastor or Christian church leader sign a statement confirming that you meet their requirements.

Church denominations not allowed to join Samaritan Ministries: Church of Scientology, Church of Jesus Christ of Latter-day Saints, Jehovah’s Witnesses, and Unitarianism. 

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

Samaritan Ministries: Routine care (dental, vision, yearly wellness checks, colonoscopies, etc.) is generally not shared by Samaritan members. If a shareable condition is discovered because of a routine visit, those related medical expenses can be shared.

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

Samaritan Ministries: Needs that result from a condition that existed prior to membership are only shareable if the condition has been symptom, treatment, and medication-free for 12 consecutive months. Some pre-existing conditions, such as cancer, heart conditions, and hereditary diseases, have a five-year period before they are eligible for sharing.

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

Samaritan Ministries: Maternity needs are shareable in Samaritan Classic provided there are at least two family members in the same membership program prior to conception. A maternity need will be shared at 100% after the IUA has been met and has a maximum shareable amount of $250,000. 

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

Samaritan Ministries: 60-90 days

Sedera: 30-60 days

Considerations

Samaritan Ministries: Samaritan Classic has a $250,000 maximum limit per medical need and the Samaritan Basic has a $236,500 maximum limit per medical need. If you want additional sharing available, you can pay extra to join the  Save to Share™ program. In addition to the annual administrative share, each participating household must set aside funds that will be dedicated for use in the program. As of March 2021, the current annual household amount required to be set aside is $133 for one person, $266 for a two-person membership and single-parent family, and $399 for a three or more person family. 

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 Samaritan Ministries 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.

Related Posts:

  • Health Share Reviews_Solidarity
    Solidarity HealthShare Reviews
  • Health Share Review
    The Ultimate Zion HealthShare Review
  • Best Health Share Plans
    Best Health Share Plans in 2025
  • Christian Health Share
    Christian Health Share Plans

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.

Navigating Health Share Plans? 🤔 Grab my FREE Health Share Guide and Essential Checklist so you can make the best choice!

* indicates required

Reader Interactions

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Primary Sidebar

Looking for Something? Search Here

Looking to save up to 60% on your healthcare? Grab my FREE Health Share Guide and Checklist so you can make the best choice!

Most Popular Articles

What is the Best Health Share For Individuals and Families?

Non-Religious Health Share Plans

Get a Zion HealthShare Quote (+ Enrollment Process)

Why I Ditched Health Insurance to Join a Health Share

Best Health Share Plans in 2025

Categories

  • Comparison
  • Comparison Guide
  • Direct Primary Care
  • Featured
  • Health Insurance
  • Healthcare
  • HealthShare Basics
  • Laws and Regulations
  • Pharmacy
  • Popular
  • Reviews
  • Uncategorized

Follow Me!

  • Facebook
  • Instagram
  • LinkedIn
  • Reddit
  • YouTube

1Zion HealthShare – Our Top Choice

Read Our Full Zion Review Enroll for zion

Footer

Hello! My name is Holly, and I am so happy you have found my website! My mission is to help more people, like you, access affordable healthcare. I have found that one of the best ways to do this is by joining a reputable Health Share.

Privacy Policy

Terms and Conditions

Disclosures

Ready to get started?

Get a Quote

Enroll Now

Health Share Plans Guide

Best Health Share Plans

About

Contact

Copyright © 2025 · Health Share 101