713-280-7991 (Member Services) | 346-340-9848 (Membership Sales)

Primary365+Complete

A High-End, Affordable, Comprehensive, Healthcare Solution With NO Insurance Hassles

Primary365+Complete includes everything in a Primary365 membership and also safeguards you, and your family, from life’s medical uncertainties with a special program, offered exclusively by First Primary Care and Sedera Health. Sedera Health is a medical cost-sharing community, in which funds are contributed and shared between members with medical “Needs.” Members see major savings versus health insurance plans, achieving full peace of mind at a much lower cost.

Watch this to learn more about Primary365+Complete powered by Sedera Health

Primary365+Complete Pricing

$500 IUA (Initial Unshared Amount)

18-29 y/o30-39 y/o40-49 y/o50-59 y/o60-64 y/o
Member Only$299.00$321.00$343.00$388.00$588.00
Member+Spouse$547.00$592.00$636.00$725.00$1,125.00
Member+Children$487.00$529.00$572.00$656.00$1,036.00
Member+Family$741.00$805.00$870.00$999.00$1,579.00

All monthly contributions INCLUDE a Primary365 membership (up to a $249 value).  Smokers incur a $75 per month surcharge.

$1,000 IUA (Initial Unshared Amount)

18-29 y/o30-39 y/o40-49 y/o50-59 y/o60-64 y/o
Member Only$292.00$315.00$322.00$360.00$540.00
Member+Spouse$535.00$580.00$595.00$670.00$1,030.00
Member+Children$475.00$518.00$532.00$603.00$945.00
Member+Family$723.00$788.00$810.00$918.00$1,440.00

All monthly contributions INCLUDE a Primary365 membership (up to a $249 value). Smokers incur a $75 per month surcharge.

$1,500 IUA (Initial Unshared Amount)

18-29 y/o30-39 y/o40-49 y/o50-59 y/o60-64 y/o
Member Only$277.00$300.00$307.00$345.00$517.00
Member+Spouse$505.00$550.00$565.00$640.00$985.00
Member+Children$447.00$489.00$504.00$575.00$903.00
Member+Family$679.00$744.00$766.00$875.00$1,375.00

All monthly contributions INCLUDE a Primary365 membership (up to a $249 value). Smokers incur a $75 per month surcharge.

$2,500 IUA (Initial Unshared Amount)

18-29 y/o30-39 y/o40-49 y/o50-59 y/o60-64 y/o
Member Only$262.00$273.00$288.00$325.00$483.00
Member+Spouse$475.00$496.00$526.00$601.00$916.00
Member+Children$418.00$438.00$467.00$538.00$837.00
Member+Family$636.00$666.00$710.00$818.00$1,275.00

All monthly contributions INCLUDE a Primary365 membership (up to a $249 value). Smokers incur a $75 per month surcharge.

$5,000 IUA (Initial Unshared Amount)

18-29 y/o30-39 y/o40-49 y/o50-59 y/o60-64 y/o
Member Only$231.00$253.00$266.00$285.00$412.00
Member+Spouse$413.00$456.00$483.00$520.00$774.00
Member+Children$359.00$401.00$425.00$461.00$702.00
Member+Family$546.00$609.00$647.00$702.00$1,069.00

All monthly contributions INCLUDE a Primary365 membership (up to a $249 value). Smokers incur a $75 per month surcharge.

We had an Aetna plan but we were going to lose it in a few months.  It was $1400/month with a $5000 deductible and $13,000 max out of pocket.  BCBS quoted us $2,247/month with a 6k deductible and $13.7k out of pocket max!  No way.  That’s what prompted me to reach out you initially.  So glad we found something better for a little over $900 per month with $0 cost primary care included.
Todd Ray

Cypress, TX

I had BCBS with a 5k deductible, $30 doctor visit co-pays. Not sure if max out of pocket is 2x or 3x. I think 2x but not certain of that. I was paying $1,842/month for this wonderful plan for a family of 4.  Now I pay $890/month with $500 out of pocket if something bad happens with $0 co-pays and unlimited office visits.
Bill Skorhiem

Husband - Father - Family of 4

Dr. Geetu Goyal has proven to be excellent in his services and knowledge of the Medical Industry. His recommendations have saved me thousands of dollars in care that I might have spent in my allergy care and general health care. I recently signed up with Sedera Health versus the current health insurance programs in the marketplace. I’m on an independent plan and my premiums were going to be about $1600 per month for 2 people with a high deductible. With Sedera for me, the $500 per month is very reasonable and low $500 individual responsibility. I highly recommend his services.
Fred Ash

Houston, TX

For more information about signing up for a Primary365+Complete membership, please fill out the membership request form and a friendly membership advisor will be in touch shortly.  After you fill out the form, you’ll be asked to build your Primary365 membership first to get set up.  Every Primary365+Complete membership must start as a Primary365 membership and will then register with Sedera Health to finish the upgrade process.

Frequently Asked Questions

Does Primary365+Complete meet the requirements for the individual mandate?

Does Sedera’s Medical Cost Sharing program comply with the Affordable Care Act requirements? Sedera’s Medical Cost Sharing program is not a substitute for insurance as defined by the Affordable Care Act (ACA). According to the law, you cannot have a gap in coverage for more than 3 months.  The last 3 months of 2018 begin October 1st.  The individual mandate will not be in effect starting in 2019.

How long does it take Sedera to process a medical Need?

The sharing turnaround time is between 14 and 60 days, depending on the receipt of all required information and whether your bills go through negotiation. If your Needs Processing Form is correct and complete, and there are no ongoing financial negotiations with providers, your Needs will normally be shared the next sharing period. Sedera processes shareable Needs on a weekly basis.

Will Sedera share medical costs that were incurred outside of the United States?

Yes, eligible Needs, wherever incurred, will be handled through the Sedera Medical Cost Sharing program. Bills from medical treatments occurring overseas must be written or translated into English and the price converted to U.S. dollars. They are then handled the same as bills from treatment in the U.S.

Is there a sharing limit?

There is no specific annual maximum dollar amount or lifetime maximum for sharing for most medical needs, and no limit on the number of needs that an individual member or household may have. Medical Cost Sharing is, however, limited to the total number of shares that are contributed by participating members. Additionally, no single need may consume more than one third (1/3) of the total number of shares available in order to assure ample shares for all members.

What if I have a pre-existing medical condition? Will Sedera share my medical bills?

A prior medical condition is a condition for which you either have received medical treatment, taken medications for, or exhibited observable symptoms. Any prior medical condition that does not exhibit symptoms during the 36 continuous months prior to membership effective date is considered cured and will have no sharing restrictions.

Time constraints for prior medical conditions after membership effective date Sharing Eligibility:

  • First 12 months – Not shareable
  • Months 13 – 24 Shareable to $15,000
  • Months 25 – 36 Shareable to $30,000
  • Month 37 and after Fully shareable.
What if I am pregnant?

Maternity expenses incurred prior to the member’s effective date of membership are not shareable. Likewise, maternity expenses for a pregnancy with an expected delivery date that is less than 12 months from the membership effective date are not shareable.

If the member’s expected delivery date is determined (by a qualified medical provider) to be on or after the 1st year membership anniversary date any needs due to a complication of pregnancy will be fully shareable after the maternity IUA has been met. Conversely, any medical expenses incurred, including complications of pregnancy, will not shareable if the member’s expected delivery date is determined to be prior to their 1st year membership anniversary date.

How can I find out how much medications will cost?

To find out how much you will be paying for your medications, we recommend using mobile apps like GoodRX or Blinkhealth. Simply type in the name of the medication and zip code, select your dosage and they will give you prices (and usually discounts) for any medication you Need – whether maintenance or curative. If you are on a regular medication schedule and can mail-order your medicines, we recommend that you consider the LibertyRx’s buy-up option as described below.

What is the LibertyRx Buy-Up Option?

If you are on a regular medication schedule and can mail-order your medicines, we recommend that you consider the LibertyRx buy-up option. For $27.50/month you can get significant discounts on maintenance medications via this prescription membership program. Wondering about your medication pricing? Look up LibertyRx’s pricing for home-delivery of your medication by clicking here.

I have other questions that are not answered in the FAQs, what do I do?

If you still have questions that are not answered in the Sedera Membership Guidelines or Sedera’s FAQs located here, please email memberservices@sedera.com or call them at 855-973-3372.