Individual Health Insurance

For individual plans, we broker Minnesota carriers: UCare, Blue Cross Blue Shield, Medica, Aetna Allina and more. With the links below you can run your own quote for HealthPartners or Preferred One and enroll if the cost value is right for you.

Other Health Care Plans at Lifestyle Advisors

Compare your current healthcare plan to other strategies.

Group Health Insurance

Groups of 2 or more are eligible for group healthcare pricing with Blue Cross Blue Shield, Medica, Preferred One, Healthpartners, and more. Download a census to get a quote from Minnesota best carriers.

Other Insurance Options at Lifestyle Advisors

Dental Insurance

We offer comprehensive dental coverage through HealthPartners Dental, Ameritas and Delta Dental:

Need a lab?

Try for most or all your blood/urine testing.  NEVER pay full price again!

Save up to 80%.

No insurance needed. No expirations. No doctor needed. Just Savings.

Non-Insurance Healthcare


Empowerment through knowledge and understanding of medical costs.

High Quality Service

More in-depth, meaningful interaction between medical doctor & patient with top of the line monitoring technology


Direct, easy access that is affordable, flexible & effective for the right care at the right time.

Day-to-Day Care

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.  Add Sedera Major Medical Cost Sharing for a complete health care solution.

Check out Dr Merlin Brown at Southdale Physicians

Dr Brown charges a flat office visit fee for a fraction of what CORPORATE clinics and doctors charge!  This is BETTER Healthcare.

Independent Doctor/Clinic Resources:


Included Services

Wellness Care: preventative visits and screenings such as physicals, cancer screenings and wellness plan. Acute Care: treatment of urgent medical issues including earaches, cuts requiring stitches, sprains, infections, respiratory illnesses and other aches and pains. Chronic Disease Care: management any chronic conditions, such as hypertension, asthma, diabetes, heart disease, osteoporosis, and hyperlipidemia. Office Procedures: in-office procedures such as mole removals, skin biopsies, wound care and seasonal flu vaccine.

Live in St Paul Minnesota?  Parkway Family Physicians in Highland Park offers the Parkway Plan at only $50 a month for an individual or $130 a month for a family.  Contact them at (651) 690-1311

WOW Pharmacy

Directory of Providers that accept cash point of sale.

SederaDirectCare map

Find independent providers nationwide.

Shared Health Alliance

Copay plan is best for those that have chronic conditions or regularly see a primary care doctor.

Preventative (Catastrophic) Plan is for those that rarely go to doctors except the annual exams and want major medical coverage for a catastrophic event.

Network for day to day care and preventative services. Check your providers here: PHCS network

APEX Plans

This carrier offers a High Deductible MEC Plan (HSA eligible!) and a Co-Pay Plan, both having a drug formulary.


Included with your membership are discounts and other benefits see: National Consumers Benefit Association

Redirect Health 24/7 Virtual Care – How it works: Click here to view

For more Health CareLogistics subscribe to Redirect on YouTube: Click here for video library



Sherpaa and 1800MD is included with both Shared Health Alliance (SHA) plans: Preventative and Premier. 1800MD is no cost in both plans.

For Sherpaa; No cost for the SHA Premier plan or $50 per virtual doctor visit with SHA Preventative plan.

When you are feeling ill or need to talk to a doctor, start here!

Please note: Sherpaa is for persons 18+. 1800MD is all ages.

By becoming an HMA owner, individuals and families can secure lower, monthly health insurance premiums and reduce their overall, medical expenses substantially because their HMA medical savings account will have such a large portion of their deductibles and out-of-pocket, medical costs covered.  HMA brochure 2020

MultiPlan uses technology-enabled provider network, negotiation, claim pricing and payment accuracy services as building blocks for medical and dental payers to customize the healthcare cost management programs that work best for them. We believe there is no such thing as a standard cost management approach. Used standalone or in any combination, our services improve both performance and competitive advantage for our clients.

Find Network Providers:

Select PHCS Network and Search Preventative Services Only Physician Network

Looking for Primary Care and Wellness Care ONLY (CLICK)

Great reason to have wellness care is that it mitigates unchecked health complaints.  Consider this option when you pair it with Hospital Indemnity (catastrophic).

Day-to-day care with Major Medical Cost sharing:

Learn a NEW way in HEALTH Care.   MPowering Benefits (CLICK)

Major Medical Cost Sharing Options

Sedera Health is a medical cost sharing community, in which funds are contributed and shared between members with medical “Needs.” When health-conscious community members support each other’s Needs and make healthy choices, everyone wins. Members see major savings versus health insurance plans, achieving full peace of mind at a much lower cost. Outside of medical cost sharing, Sedera members have access to a full suite of innovative healthcare resources. OPEN ACCESS; Networks and treatment plans do not apply, see guidelines for details.

Guidelines of Individuals: Click here to read

Guidelines of Groups: Click here to read

ACCESS Plan for Individuals (and families)  ACCESS+ Rates

SELECT Plan for Groups (employers 5+)  SELECT+ DPC Discount and Product Pairings Discounts


Compare Sedera to Zion Health Guidelines: Sedera – Zion Compare Guidelines

Here at Zion Health, we provide an organized way to share in one another’s medical burdens. Medical cost sharing is not a new concept but a proven and effective alternative to health insurance.

Zion Health Slide Show


Quoting Tool

Guidelines  Click here to read


Compare Zion Health to Sedera Guidelines: Sedera – Zion Compare Guidelines

Once you’ve met your annual unshared amount ($1,000 for a single member, $1,750 for a couple, $2,250 for a family), the following types of medical expenses are shareable through Liberty HealthShare*

Medi-Share Features to Enjoy

Affordable options for every budget Save hundreds of dollars on monthly health care costs
• Medi-Share members typically save 50% per month

Proven track record Experience the confidence of knowing eligible bills will be shared
• $4 Billion+ shared and discounted since 1993

Free Telehealth for Medi-Share members Save time and money with FREE 24/7 Tele-Health
• Access board-certified doctors from your home or office

Prayer support from the Medi-Share community Prayer support from our community of Christians
• Receive encouragement and prayer from fellow Medi-Share members

Vast network of PPO providers Have access to a nationwide network of 900,000+ care providers

EMPLOYERS: Virtual Primary Care with Major Medical Cost Sharing

Groups of 5 or more may offer both ACA compliant healthcare coverage and medical cost sharing for major medical needs. Employers can choose from a variety of affordable solutions and employees may choose the plan that best suit their needs. Employers need not contribute any dollars toward health benefits on behalf of employees, most employers contribute at least 50%.

CHOOSE either day-to-day Plan:

Redirect Health for day-to-day primary care


Apex-GROUP Proposal, rates effective January 1, 2020 for day-to-day primary care

ADD Major Medical Cost Sharing (MCS) choose either Sedera SELECT+ DPC Discounts or Redirect Health and Zion $1000 IUA.

Please read the Guidelines for MCS.  *Smokers have an up charge, just like they would in commercial insurance.

Prescription Medicine Plan

We can help you save money on medicine, whether it is a one time prescription or maintenance medicine for a chronic condition. We offer RX plans or pay cash and get a discount using GOODRX and other discount websites. Contact us for more options!

Short Term Medical


Gap Coverage


Other 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