Frequent Health Maintenance

5 or more Doctor visits annually

Frequent Health Maintenance

5 or more Doctor visits annually

Comprehensive Memberships



MPB Direct  Learn More

Individual DPC
Requires a verifiable Direct Primary Care (DPC) relationship with sharing for large preventive expenses and catastrophic needs.
  • ACA Tax Penalty Compliant in most States: May vary by state, check with your healthcare Advisor for compliance status.
  • Connected Direct Primary Care: Offered exclusively through your Direct Primary Care Practice.



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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.

Advantage Plan, a Co-Pay Plan  - NCBA Advantage Plan w Citizens Rx Enrollment Guide (brochure)

Add Sedera Major Medical Cost Sharing Pricing


Primary Care Strategies 

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.


APEX Primary Care Plans (pairs with major medical cost sharing)

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.

High Deductible MEC Plan (HSA eligible) -  (brochure)

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


Pay as you go  (on demand)

Independent Doctors and Clinics - No Insurance, No Problem!  Clear and transparent pricing and exceptional service!  Here are a few to check out.

Visit Southdale Physicians, Dr. Merlin Brown’s medical practice is unique in that he offers personalized healthcare on a fee-for-service basis without an annual fee. Patients simply pay as they go for services. This business model ensures that Dr. Brown’s patients get the highest quality and most compassionate healthcare at very affordable rates.

Visit the TheDrsHouse. Better-than-concierge medicine for adults.  Dr. Adepero Okulaja’s clinic has been designed to make her patients feel more like they are visiting a contemporary home vs. the stark look of many medical offices.

Visit  Your Doctor Our patient benefits include full access to care without barriers.


For Families - Visit Parkway Clinic.  One of the most important decisions you will make is choosing a health care provider for you and your family.

Medical Cost Sharing Membership (without primary care)

Community Medical Cost sharing with others that strive to live a healthy life and instead paying corporations for healthcare, we pool our resources and share per the Guidelines of membership.  Most include Telemedicine for a nominal fee and no fee at all with membership.


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


        Learn more

Sharing is Saving -  RX Share  -  Wellness Visit Brochure  -  PHCS Network  -  Snapshot Membership  Guidelines 

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 HMA brochure

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. This is because the HMA® awards its owners up to $2 in medical benefits or more for every $1 contributed into their HMA® account balance as the program progresses, which will allow our customers to raise their health insurance deductibles and lower their monthly premiums over time because their HMA® Medical Benefits Account is designed to cover their out-of-pocket, medical cost obligations up to the higher deductibles.

Learn more about HMA Prepaid Medical Claims Visa Card



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:

MCS chart – education worksheet MCS chart

Shop Health Services.

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

Your Medicare Original card entitlements apply as follows; Part A&B deductibles, then 20%. So your portion is 20% of the cost of the procedure.   We use this 'medicare allowed' amount when shopping for the same healthcare procedures, there is no mandate that says you can't pay the same! 😉

Questions about your situation?  Schedule time

MCS Worksheet.   MCS Education           Health Needs Assessment  PDF

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  

Blink Health RX look up for the best price.



Shop Doctors.

TheWedge  - Find local Independent Doctors

PHCS  - non-insurance Network

SEDERA Referral Map   -  Find independent providers nationwide.

WOW Health Solutions  -  Provider Exchange


Shop Health Insurance.


Federal Marketplace HealthSherpa


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Preferred One (Quote/Enroll)

Carrier logo

HealthPartners (Quote/Enroll)

    Humana (Quote/Enroll)


Individual, Family and GROUP Plans





Shop Dental Insurance.

Delta Dental (
Careington Dental Savings

HealthPartners Dental

Ameritas Dental/Vision

Short Term Medical 


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

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    Senior Assist