Affordable Healthcare Solutions
Your association's solution to the high cost of healthcare!
- We simplify what has become so complex
- A high-end, affordable healthcare solution
- Less than 1/2 US Small Businesses offer Healthcare
- Choice of affordable healthcare options
- Lower healthcare costs by as much as 60%
- Grow membership
- Increase member retention
- Help your members lower their healthcare costs
- Generate non-dues income
- Apex Preventative Care Plan that best fits your needs, family, and budget (2 Choices)
- Add-on a Sedera membership for medical cost sharing to be used for accidents, illness, and unforeseen medical needs. (5 IUAs to choose from)
- Take advantage of Teladoc telemedicine for increased savings and services (included with Sedera membership)
- The comfort of 2nd.MD to ensure you and your family receive the most up-to-date medical treatment available (included with Sedera membership)
Learn about the SALA Healthcare Program Components:
Apex is the preventative care component of the SALA Healthcare Program. The Apex plans are not an insurance product, but a self‐funded plan sponsored by the Small Association Leadership Alliance (SALA). The Apex plans qualify as Minimum Essential Coverage (MEC) plans for preventative care coverage. A MEC plan must cover 100% of the Centers for Medicare & Medicaid (CMS) listed preventative and wellness benefits. The Apex plans are designed to meet your day-to-day healthcare needs.Participants choose either the:
- Apex Basic MEC Plan (HDHP), or
- Apex Advantage Plan
Both plans comply with ACA mandated preventative services with 100% coverage for all 21 preventative services for adults, 26 services for women, and 27 services for children. (Click here to learn more about the ACA requirement)
Apex Advantage: Apex Advantage provides 100% coverage for preventive care, copayments for small and medium cost medical expenses, and prescription coverage.
- This plan includes: 100% coverage for preventive care services
- Small co-pays for Specialists, Urgent Care, Lab, Imaging and Prescription Drugs.
- Prescription drug coverage managed by WellDyneRX
Apex HDHP/Basic MEC: The Apex HDHP (High Deductible High Premium) Plan provides the Minimum Essential Coverage at a lower monthly cost but does not include a prescription plan or coverage for specialists. The Apex HDHP plan does allow for the addition of a Health Savings Account (HSA). This plan includes:
- 100% coverage for preventive care services
- The plan provides the required framework allowing members to setup and use a Health Savings Account (HSA) for qualified medical expenses
PHCS Network Particpation: Before you enroll it is important to make sure your physician participates in the PHCS Network. There are slightly different networks depending on if you're in Apex HDHP Basic MEC or Apex Advantage. Use the PHCS Search Instructions to find in-network physicians and facilities. (Please note, preventive services performed at hospitals are not covered.)
To learn more about the Apex options, we recommend reviewing the following:
The Sedera medical cost sharing model boldly challenges the insurance status quo. Through an innovative layering of healthcare services, we enable individuals and family's access to high quality healthcare that is affordable, flexible and effective.
In addition to sharing medical expenses, Sedera provides access to valuable Counseling, Medical Bill Negotiation, Telemedicine, Expert Second Opinion, and Personal Member Advisor services to all members.
You can choose from 5 IUA's (Initial Unshareable Amount) that range from $500 to $5000.
To learn more about Sedera we recommend reviewing the following:
- About Sedera
- Sedera Summary Info
- Sedera Membership Overview
- Sedera Membership Guidelines
- Sedera Key Terms
Sedera members have 24/7/365 access to a board-certified physician through Teladoc telemedicine. This service provides on-call physicians available to help resolve routine medical issues by phone or video consultations. Members considering a trip to the Emergency Room, urgent care center, minute clinic or who just cannot wait to get scheduled for a doctor’s office visit can use Teladoc to access medical care, saving both time and money.
- On-demand care – talk to a doctor anytime, no matter where
- Prompt diagnosis for faster treatment
- No consultation time limits
- Treatment of children of any age
- Secure and portable health records
- Cost savings on expensive ER or urgent care visits
- Physicians can prescribe non-narcotic medication or refills when appropriate
- More info: Telemedicine FAQ
We’ve all hassled with doctor waitlists, gone back and forth to get a referral and searched the web for answers to medical issues. As a member of Sedera Health, you can bypass these frustrating steps through a program called 2nd.MD. This offering allows members to quickly and easily connect with some of the world’s best doctors for consultation via phone or webcam.
- Distinguished Network: 2nd.MD recommends the best medical specialist for your care.
- Virtual Consults: Schedule a video or phone consultation at a time that’s most convenient for you.
- Concierge Care: Provides you with a dedicated medical professional who handles your case from beginning to end.
- Follow-Up Notes: Once your consultation is complete, you will receive a written summary from your doctor.
- Local Referrals: 2nd.MD will help you find local doctors and institutions best equipped to carry out your treatment.
- More info: 2nd MD - Specialists
Regional Care, Inc. is a leading third-party administrator that is here to provide you with comprehensive dental coverage. Negotiated rates make the dental network Aetna Dental Administrators program, powered by the national Aetna Dental Access® network, very competitive. In most instances, savings range from 15-50 percent on services from general dentistry and cleanings to root canals and crowns.
View Program Brochure Here.
- Member Only - $42.33/mo
- Member + Spouse - $92.82/mo
- Member + Child(ren) - $90.78/mo
- Member + Family - $103.53/mo
NOTE: The SALA Healthcare Program is currently unavailable in VT, WA, NY, and IL.
The SALA Healthcare Program is a member affinity program. Products are offered and serviced by Apex Management Group, Hawaii Mainland Administrators, Sedera, and Enrollment123 for the Small Association Leadership Alliance (SALA). The Small Association Leadership Alliance is not a licensed insurance entity and does not sell insurance. Medical cost sharing is not subject to the regulatory requirements or consumer protections of your particular State’s Insurance Code or Statutes.
What are members saying?
91% of those recently surveyed are either very satisfied or extremely satisifed with the SALA Healthcare Program
Two Great Ways for your Association to Offer the SALA Healthcare Program!
SALA HP Select - (Inquire Now)
A great solution for organizations who want to offer the SALA HP solution to their members and more actively manage the program.
SALA HP Access - (Inquire Now)
A great solution for organizations who want to offer the SALA HP solution to their members, but with a lower level of management.
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