3 Low-Cost Programs
to Meet Your Family’s Budget and Healthcare Needs
control your healthcare costs
m powering benefits
health excellence plus
877-734-3884
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Review the 3 types of programs
health excellence plus

SELF-MANAGED PROGRAM OPTIONS
Partially Self-Directed Healthcare
Partially Self-Directed Healthcare
Partially Self-Directed Program Combining Wellness Services, Preventive Care, An Optional Health Savings Account, AND Medical Cost Sharing For Large Expenses
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PHYSICIAN-DIRECTED PLAN OPTIONS
DPC - Direct Primary Healthcare
DPC - Direct Primary Healthcare
Provider-Directed Program Supplementing Direct Primary Care With Wellness Services AND Medical Cost Sharing Plan For Large Expenses, Screening Colonoscopies And Mammograms, And Childhood Immunizations/Vaccinations
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Provider-Directed Healthcare
Provider-Directed Healthcare
Provider-Directed Program Combining Wellness Services, Redirect Health for Preventive Care And Most Small Expenses, AND Medical Cost Sharing For Large Medical Expenses

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Health and medical cost sharing programs designed for
individuals who want to live a healthy lifestyle
and share the costs with other like-minded community members.

Through an innovative layering of healthcare services, the MPowering Benefits Association provides individuals and families access to high quality healthcare that is affordable, flexible and effective.

Members join the Association to promote personal health and well-being and, as a result, have access to a complete set of wellness tools provided through My Academy of Health Excellence. Members of the Association have the choice (see above) of joining one of three different medical cost sharing programs.

You share medical expenses with a community of like-minded, health-focused individuals as a member of the Sedera Medical Cost Sharing (MCS) Community. This is not an insurance program. By enrolling in one of the three optional programs you’ll often be able to save 30-90% or more over traditional approaches.

By reviewing this website you’ll be able to choose between the self-managed program (Partially Self-Directed Healthcare) and the two physician-managed (DPC-Direct Primary Care Healthcare and Provider-Directed Healthcare) medical cost sharing programs. Whether you want to take back control of your own healthcare and related costs, want someone to manage healthcare costs for you, or you’re somewhere in between, there’s an option to fit your specific needs.

You can learn more by reviewing this site and then calling us at 877-734-3884 to answer any remaining questions. Enrollment is available on a year-round basis. Those who enroll by the 20th of a specific month will have an effective date as of the first of the following month.

NOTE: Medical Cost Sharing members share medical expenses with a community of like-minded people. Medical Cost Sharing is not insurance, there is no sharing of risk, and medical cost sharing is not regulated by State Departments of Insurance or Consumer Affairs. The program is presently offered in all states except Alaska and Vermont.

Learn more about the problem with
traditional health insurance.
877-734-3884
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Program Price Calculator
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If you’d like more information or if you haven’t decided which program or
individual unshareable amount you’d like to choose:
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Watch a few short videos and listen to audio reviews of each program.

Note: the enrollment platform permits enrollment in two programs
(Self-Directed Healthcare and Co-Pay Network Healthcare) which are
no longer being actively marketed—as well as the Partially Self-Directed Healthcare,
DPC—Direct Primary Care Healthcare, and Provider-Directed Healthcare
program options that are outlined in this website.
If you are interested in either of these other two programs,
please contact us at 877-734-3884 for answers to any questions.

If you have already decided the program you want then please click on ENROLL.

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"Why is health insurance so complicated, while car insurance and life insurance are so simple?
Can health insurance be more like, well, insurance?
Lanhee Chen, fellow at the Hoover Institution, explains."

The foundation of any program designed to help CONTROL Medical Costs
should be to AVOID them.
This is accomplished with Education and our state-of-the-art Wellness Program.

Medical Cost Sharing is a community of like-minded, health focused members who have joined together to share each other’s medical costs above an amount they can comfortably afford. We have teamed up with Sedera, Inc. to bring our members a Self-Pay Patient Platform complete with member services and Health Sharing for large needs.

All Health Excellence Plus™
Options include the AVOID, PREVENT, MANAGE, MITIGATE and CONTAIN elements of Our Healthy Care Strategy.

Self-Managed Plan Options
Self-Directed Healthcare Plan
Self-Directed Healthcare
My Academy of Health Excellence Wellness, Self-directed Preventive Care; (optional) Health Matching Account & Teladoc for Small Medical Expenses; Medical Cost Sharing for Large Needs.
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Partially Self-Directed Healthcare Plan
Partially Self-Directed Healthcare
My Academy of Health Excellence Wellness; Preventive Care Network; (optional) Health Savings Account & Teladoc for Small Medical Expenses; Medical Cost Sharing for Large Needs.
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Physician Managed Plan Options
Co-Pay Network Healthcare Plan
Co-Pay Network Healthcare
My Academy of Health Excellence Wellness; Preventive Care Network; Co-Pay Network, Teladoc & (optional) Health Matching Account for Small Medical Expenses; Medical Cost Sharing for Large Needs.
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Direct Primary Healthcare Plan
Direct Primary Healthcare
My Academy of Health Excellence Wellness; Physician-directed Preventive and Primary Care, Teladoc & (optional) Health Matching Account for other Small Medical Expenses; Medical Cost Sharing for Large Needs.
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Provider-Directed Healthcare Plan
Provider-Directed Healthcare
My Academy of Health Excellence Wellness; Redirect Health Preventive and Primary Care including Chiropractic & (optional) Health Matching Account for Small Medical Expenses; Medical Cost Sharing for Large Needs.
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