Regular Health Maintenance

2-4 office visits annually

Regular Health Maintenance

2-4 office visits annually
Primary care with Major Medical plans.

Combined primary care health benefits with a major medical cost sharing plan.


MPB Care+  Learn More

  • Benefit: Medical Cost Sharing, Telehealth, Navigation and Negotiation Help, Cost & Quality Shopping, Care Connect
  • Feature:  Minimum Essential Coverage Plan, Pharmacy Benefit Plan, Personal Medical Records Vault, QR Life Code, Life Care (EAP/MAP), Healthcare Discounts
  • Brochure

  Learn more

Pay direct for routine care at the time of service, and less than what you would with insurance because of copays, deductibles, and coinsurances. Our packages are perfect as standalone protection, or as supplements to insurance plans.



Offers two plans that use the PHCS network and include a drug formulary.  This is a good choice if you or a family member take medicines regularly.

Learn more Advantage Plan, a Co-Pay Plan  -  (brochure)

Add Sedera Major Medical Cost Sharing Level 3

Learn more High Deductible Plan, (HSA eligible)  - HDHP_Basic MEC Enrollment Guide

Add Sedera Major Medical Cost Sharing Level 1 Pricing


The Right Healthcare The Right Price.

Healthcare can be expensive, but it doesn’t have to be that way. That’s why we follow a straightforward mission, making healthcare simple and truly affordable for everyone. When you need medical care, Redirect Health will help you get the care you need while minimizing hassle, SAVING you money.


Learn more. EverydayCARE benefits EverydayCARE WITHOUT Hospitalization Dual ERISA NO HRA

EverydayCARE+with+Hospitalization+UNDER20+EMP Brochure  

EverydayCARE+with+Hospitalization+20+EMP  Brochure


Affordable Primary Care Office Visits 

WHAT IS DIRECT PRIMARY CARE (DPC)?  A personal relationship with your doctor. A doctor that sees you through wellness and recovery without insurance interference.  Usually pay a monthly subscription for care throughout the year.  Less stress, better care and keep more of your money.  Search your ZIP code for independent subscription model primary healthcare.


Health care without primary care

Much of the monthly premium expense is funding primary care office visits that most people or more and more people are not using because they are healthy and in most cases their own doctor, self insuring the small stuff and protecting against the big unforeseen injury, illness, accident or diagnosis.  Membership cost sharing allows you to choose ANY provider and a PERSONALIZED recovery plan, meaning other modalities like homeopathy, integrative, functional, naturopath, care can be sharable.



Sedera Access  Learn more  

Sharing is Saving - Medical Cost Sharing is a surprisingly affordable non-insurance solution to manage large healthcare costs. Unlike other options, this approach is centered entirely around people helping people. Our Members share one another’s medical burdens and shop for the best care at the best price. In doing so, we support one another’s physical and financial health.  Membership GUIDELINES

Medi-Share Carrier at Lifestyle Advisors

Learn more Medi-Share is an innovative health care solution for Christians looking to save money without sacrificing on quality. As the nation’s largest health care sharing community, Medi-Share members take comfort in knowing their eligible medical expenses will be shared by their community.  Statement-of-faith     Enrollment    Guidelines     PHCS Network   Exemption

Individual and Family Plans

Health care has two basic components: day-to-day care (acute) and major medical (hospitalization).

Tradition Insurance combines the two parts; you may have a co-pay for acute care (clinic), and deductibles usually apply as well as using in-network providers and only predetermined treatment plans are covered.  Medical Cost Sharing(MCS) on the other hand, shares in major medical needs only (hospitalization) with NO network or treatment limitations because it is non-insurance. Therefore no CONTRACTS and you are free to choose the best providers and treatments for your situation wherever you are.  Now pair MCS with one of day-to-day care options listed below. If you rarely go to the doctor, why not pay-as-you-go or if you go often then seek a direct primary care provider for a FLAT monthly fee.  Custom built health care benefits per individual.

Schedule a meeting: Introductory Call


Shop Health Services.

Procedure Price lookup.  This is the allowable amount Medicare insurance will pay for a procedure.

Hospital Cost Look Up

Questions about your situation?  Schedule time

Medical Cost Sharing Worksheet. MCS Education 2023

Healthy Assessment  PDF

Scope of Appointment PDF

Medicare-Education worksheet

No Insurance, No Problem, Pay as you-Go  or Shop your insurance benefits here!

Need a Lab?  Try for most or all your blood/urine testing.

Results can be sent you and the physician.  Shop Labs at your doctor's office!


Shop Medicine prices.

GoodRx logo WEBSITE

Blink Health RX look up for the best price.


Mark Cuban Pharmacy

Patient Assistance HERE 

Shop Doctors.

JoinTheWedge  - Find local Independent Doctors

PHCS  - non-insurance Network

SEDERA Referral Map   -  Find independent providers nationwide.

WOW Health Solutions  -  Provider Exchange


Shop Health Insurance.

MNSure  Assister ID  5503492

Federal Marketplace HealthSherpa

 Health Insurance Rate Review Link

Shop Dental Insurance.

Delta Dental (
Careington Dental Savings

HealthPartners Dental

Ameritas Dental/Vision

Health Matching Account


Life Insurance

Have insurance needs? We broker most Insurance carriers for:

  • Annuities
  • Life Insurance
  • FINAL EXPENSE Insurance
  • Disability Income – Short and Long Term
  • Supplemental and Ancillary
  • Long Term Care

There is Help to Pay Medical and Dental Expenses.

Not qualified for a Health Savings Account? Here is another way to pay for out-of-pocket medical expenses including dental, vision, RX, deductibles, IUAs, co-pays and much much more.

HMA – Health Matching Account Services

The HMA® (Health Matching Account) is the ultimate medical benefit savings account available and will help our customers be able to both save money on their out-of-pocket, medical expenses and also increase their primary health insurance plan deductibles to save up to 40% or more on their monthly premiums over time. 

Learn more about HMA Prepaid Medical Claims Visa Card