Tell us a little more about yourself

I'm looking for health sharing for...

If you incur medical costs that are eligible for sharing, you will be responsible for a portion of those costs. This amount is called your Initial Unshareable Amount (IUA).

Your IUA responsibility will occur per medical Need. No household will be responsible for more than 3 IUAs per year for eligible medical Needs. If these limits are met, future medical Needs can be shared fully with the Community without you, as the Member, being responsible for the IUA for the remainder of your Membership year.

I want my Initial Unshareable Amount (IUA) to be....

One last step before you're a member:

1 of 11: I believe that a community of moral, ethical and health-conscious people can most efficiently and effectively encourage and care for one another by sharing each other’s medical needs directly.

2 of 11: I understand that Knew Health's medical cost sharing administrator, Sedera, Inc is a benevolence organization that facilitates the Sedera Medical Cost Sharing Community. I understand that neither Knew Health nor Sedera, Inc. are insurance entities and, while they will make every effort to facilitate the sharing of a Sedera member’s medical needs, neither Knew Health nor Sedera, Inc. guarantee the payment of any medical expenses.

3 of 11: I agree to practice good health measures and strive for a balanced lifestyle.

4 of 11: I agree to refrain from the usage of any form of illegal substances.

5 of 11: I understand that medical needs caused by, or due to, the act of performing any illegal or unlawful activity will not be shareable.

6 of 11: I agree to submit to mediation followed by subsequent binding arbitration, if needed, for any instance of a dispute with Knew Health, Sedera, Inc. or their affiliates.

7 of 11: I am an employee, member, or participant of a sponsoring entity that is providing access to the Sedera Medical Cost Sharing Community and am eligible for membership with the Sedera Medical Cost Sharing Community through that relationship. I understand that Sedera, Inc., by and of itself, does not make any representations that the membership in the Sedera Medical Cost Sharing Community satisfies any federal or state law requirements for healthcare coverage or insurance.

8 of 11: I agree to sign and submit a membership continuation agreement each renewal year confirming my commitment to adhere to these principles.

9 of 11: I have read and understand all of the above, as well as the Sedera Membership Guidelines (including the Disclaimers and Section 12 Disputes and Reconciliation) and am certifying that all of my answers are true and accurate and indicate my agreement to abide by the Membership Guidelines as well as the Member Principles and Responsibilities.

10 of 11: The Primary Member (applicant) accepts the responsibility to notify, educate and inform all persons listed on their application for membership of the above Member Principles and Responsibilities as well as the Sedera Membership Guidelines and accepts the responsibility to assure their adherence to, and cooperation with, the requirements of membership. All members who have joined within a primary member’s account will have access to information for any other members within the same account. This information includes all pending and past medical needs and other personal information. Any applicant (or their eligible dependents) who is not comfortable with the Sedera Membership Guidelines is free to decline the offer to participate in the Sedera membership.

11 of 11: Disclaimers WARNING: NEITHER KNEW HEALTH NOR SEDERA, INC. ARE AN INSURANCE COMPANY AND THE SEDERA MEDICAL COST SHARING MEMBERSHIP IS NOT ISSUED OR OFFERED BY AN INSURANCE COMPANY. WHETHER A SPONSORING ENTITY CHOOSES TO SEND MONETARY ASSISTANCE TO YOU AND/OR YOUR FAMILY TO HELP WITH YOUR MEDICAL EXPENSES WILL BE TOTALLY VOLUNTARY AND NEITHER YOU NOR KNEW HEALTH NOR SEDERA, INC. HAS ANY RIGHT TO COMPEL PAYMENT OF MEDICAL COST SHARING COSTS FROM ANY MEMBER. THE KNEW HEALTH MEMBERSHIP AND THE SEDERA MEMBERSHIP ARE NOT AND SHOULD NEVER BE CONSIDERED TO BE OR TO BE LIKE A GROUP INSURANCE POLICY OR AN INDIVIDUAL INSURANCE POLICY. WHETHER YOU RECEIVE ANY MONEY FOR MEDICAL EXPENSES, OR WHETHER OR NOT THIS MEMBERSHIP CONTINUES TO OPERATE, YOU AS THE MEMBER WILL ALWAYS REMAIN LIABLE FOR YOUR UNPAID MEDICAL EXPENSES AND DO NOT HAVE ANY LEGAL RIGHT TO SEEK REIMBURSEMENT OR INDEMNIFICATION FOR ANY SUCH EXPENSES FROM KNEW HEALTH, SEDERA, INC. OR ANY OTHER MEMBER OR SPONSORING ENTITY. THIS IS NOT A LEGALLY BINDING AGREEMENT TO REIMBURSE OR INDEMNIFY YOU FOR THE MEDICAL EXPENSES YOU INCUR BUT IS AN OPPORTUNITY FOR YOU TO ASSIST OTHER MEMBERS IN NEED, AND WHEN YOU ARE IN NEED, TO PRESENT YOUR MEDICAL BILLS TO OTHER MEMBERS AND SPONSORING ENTITIES AS OUTLINED IN THESE GUIDELINES. THE FINANCIAL ASSISTANCE YOU MAY RECEIVE WILL COME FROM OTHER MEMBERS AND/OR SPONSORING ENTITIES, AND NOT FROM KNEW HEALTH OR SEDERA, INC.