Designed for internal use a s a training tool for affiliates

1. American Healthcare Today!
Through an innovative layering of healthcare services, we
enable individuals and families access to high quality
healthcare that is affordable, flexible and effective

2. Every Member is able to
Build Their Own Healthcare Plan
Because we all have different needs

3. Our Healthy Care Strategy to Control your Medical Costs has
(5) five Components that combined together create
Our Health Excellence Plus™ Plans

4. All plans provide Education and Wellness to
Medical Costs
Control medical costs with lifestyle modification.
We believe that the # 1 Reason people don’t reach their health goals is the
everyday interruptions of Life.
Our Wellness Coordinators use a multi-touch outreach program to engage members with
• The MyAHE Secure Members Communication Portal
• “Welcome Call” onboarding every member personally
• Secure Audio and Video Connections,
• Direct Mail, Email Campaigns, Text Messaging,
• Webinars and Seminars
• “MPowering Benefit Association” Newsletter
• The Health Rewards Program and more…

5. My Academy of Health Excellence and MPowering Benefits combine together to
provide the most innovative and effective Member Education, Engagement and
Wellness Platform in the Industry.
The MPB 1-1-1 Access to Services Program
MPB Member and Concierge Services
The US Corporate Wellness Platform
“Welcome Call” onboarding every member personally
QR for Life Code for Emergencies & Medical Vault
The Wellfit Community (Facebook for Wellness)
Twelve Habits of Highly Healthy People
(sponsored by Mayo Clinic)
“Seven Normals” Rewards Program
(modeled after the Cleveland Clinic’s) REDUCING member monthly amount
Pharmacy Consulting Services
(including World Meds, Canadian Drugs and GoodRx)
And More...

6. and Medical Cost Sharing to
Medical Costs
Eliminates the chance of financial catastrophe from bad health.
Sedera Health (Sedera) is a group healthcare solutions and
benevolence organization. It’s modeled after a number of
proven and highly successful medical sharing ministries that
have facilitated the sharing of their member’s healthcare
expenses for more than two decades within the confines of
the Christian community.

7. Sedera Health (Sedera) is a group healthcare solutions and
benevolence organization. It’s modeled after a number of proven
and highly successful medical sharing ministries that have facilitated
the sharing of their member’s healthcare expenses for more than
two decades within the confines of the Christian community.
In addition to sharing medical expenses, Sedera provides access to:
• Valuable Counseling
• Medical Bill Negotiation
• Telemedicine
• Expert Second Opinion
• Personal Member Advisor services to all members.

8. Medical Cost Sharing – a Fast Growing Health Solution

9. Medical Cost Sharing – a Better Way
Health Care through
Community vs Health
Care through Insurance
Industry Wide Estimate:
1 Billion in Sharing
1 Million Members
Freedom from
Networks
Big Savings Over
Health Insurance
Sharing begins at $500, $1000,
$1500, $2500 or $5000 per
need you decide
Promotes a Healthy
Lifestyle
Medical cost sharing by Sedera Health is not insurance and is specific to the Sedera Health membership community.
“Industry-wide statistic source: www.healthcaresharing.org

10. Medical Cost Sharing is “Need” Based
Defining a “Need” and how it works
A “Need” is one or more medical expenses
caused by a SINGLE accident or illness
Initial Unshared Amount (IUA)
What members pay before Sharing begins for the Need
Needs over the IUA ($500, $1000, $1500,
$2500 or $5000)
Limiting your out-of-pocket costs
Fully Shared with the Community
Three (3) for Individual and five (5) when there are
family members participating. Everything is fully
shareable after that point.

11. Medical Cost Sharing in Real Life
Comparing $5000/Family Member Insurance Deductible vs a $500 Initial Unshareable Amount
For Example, a family’s two year old
daughter had a persistent ear infection.
Their deductible was $5,000/per family
member threshold
Care for the child required:
1. A series of antibiotics and booster
injections
2. Visit with an ENT specialist who
inserted tubes in the child’s ear at
a local hospital
Cost of an average family insurance policy with a Primary of 45 and a $5000
deductible is $1450.00 per month, a $500 IUA Healthy Care Strategy is $783.00/mn

12. Medical Cost Sharing in Real Life (continued)
Members pay for visits and treatments up to the IUA, costs are fully shared thereafter.

13. Pre-Existing Conditions
Pre-existing Conditions:
When well controlled, these conditions DO NOT
have sharing restrictions
• High Blood Pressure
• High Cholesterol
• Sleep Apnea
• Non-Insulin Dependent Diabetes
Pre-existing Conditions:
Sharing Restrictions*
A condition is considered pre-existing if a member
had symptoms or treatment in the last 36 months
at the time of joining the community.
• Year 1: No Sharing for the Condition
• Year 2: $15,000 sharing limit
• Year 3: $30,000 sharing limit
• Year 4: Fully Shareable
* Standard sharing restrictions apply when joining the community for genetic defects and/or hereditary disease. There are also restrictions
on existing pregnancies when joining the community. Please see the Sedera Member Access Membership Guidelines for more information..

14. Prescription Drug Coverage
Medications:
Cure
Examples: Antibiotics, pain medications related
to a care accident or post pregnancy,
chemotherapy drugs
+ Same sharing rules apply
Maintenance
Examples: Blood pressure medication, cholesterol
medications
+ Sharing eligible for first 120 days following a new
diagnosis
+ After 120 days on a new diagnosis (or for an existing
diagnosis): Our Pharmacy Consultant has good
resources for securing discounted prices for
maintenance medications (paid from pre-tax HSA or
Health Matching Account HMA)

15. Combined with the other (3) three layers of the
Healthy Care Strategy to Control Medical Costs
&
Creates the Core Health Excellence Plus
Healthcare Plans
Preventive Care Money
Management
Advocacy &
Technology
with with

16. The Core Health Excellence Plus™ Healthcare Plans
are broken into two Major Categories

17. Self-Managed Healthy Care Plans
are designed for our healthiest Members who are living a “Lifestyle”
of nutritious eating and regular exercise.
They are Self-Pay Patients with a
backup plan and as such will receive the
“Best Cash Price”. Physicians & Hospitals
will be happy do give them a 30-70%
discount because they don’t have to
wait several months to receive payment
as with health insurance.
Should a “Need” (i.e. large medical expense) be more than the Initial Unshared
Amount (similar to a deductible) they selected, the Medical Cost Sharing Community
will pay the full amount at 100%.

18. Limited Coverage
Self-Pay Patient
(Optional)
HMA Health Matching Account
Teladoc
Bill Negotiations
Advocacy
Colonoscopy
Mammograms
Immunizations only
Self-Directed Healthcare

19. Self-Pay Patient
Teladoc
Bill Negotiations
Advocacy
(optional)
HSA Health Savings Account
HMA Health Matching Account
Partially-Directed Healthcare
Minimum Essential Coverage
64 Preventive Services
PHCS Network

20. are designed for our health-focused Members who desire a
strategy that is more like a traditional health plan.
They prefer to pay a little higher amount each
month to have pre-defined pricing for their small
and medium sized medical expenses. Choose from
a co-pay program with a large PPO network, a
Direct Primary Care Doctor, or a Provider Directed
Access Program whichever is best for you.
Should a “Need” (i.e. large medical expense) be more than
the Initial Unshared Amount (similar to a deductible) they
selected, the Medical Cost Sharing Community will pay
the full amount at 100%.
Physician-Managed Healthy Care Plans

21. PHCS Network
PHCS Network
Office Visits, Labs, Imaging
Teladoc
Bill Negotiations
Advocacy
PHCS Network
Co-Pay Network Healthcare
Minimum Essential Coverage
64 Preventive Services
(Optional)
HMA Health Matching Account

22. All Covered by
Direct Primary Care
DPC-Direct Primary Healthcare
Direct Primary Care
Direct Primary Care
Office Visits, Labs, Imaging
Bill Negotiations
Advocacy
(Optional)
HMA Health Matching Account

23. All Covered by
Redirect Health
Redirect Health
Office Visits, Labs, Imaging
Chiropractic
Bill Negotiations
Advocacy
Provider-Directed Healthcare
Redirect Health
(Optional)
HMA Health Matching Account

24. found on www.MPoweringBenefits.org
Use our “Healthcare Needs Analysis” or talk it through with
your Agent to determine which of the five core Health
Excellence Plus™ Plans is best for you.