A COMPREHENSIVE HEALTHCARE SOLUTION

FOR COLORADO REALTORS®

For years, one of the most common concerns for REALTORS® has been finding affordable healthcare solutions. One of the steps the Colorado Association of REALTORS® (CAR) has taken to help provide its members with options is the adoption of a healthcare solution with a medical cost-sharing program at its core. While medical cost-sharing has some limitations, such as a waiting period on pre-existing conditions, it has two important advantages over traditional health insurance: affordability and freedom from networks. As traditional health insurance premiums continue to rise across the country, medical cost-sharing programs are attracting more attention than ever before. If you are not familiar with how medical cost-sharing works, now is a good time to learn!

As a benefit to you, enrollment in this program is now available to CAR members and their families (whether the REALTOR® enrolls or not).

The plan includes the following features:

• Sedera Health – A non-faith based medical cost-sharing administrator with a product specifically designed for use with associations.
  
• Teladoc – A a global leader in virtual care, Teladoc doctors are U.S. board certified and licensed to practice in Colorado. They can diagnose, treat and prescribe medication if medically necessary.
  
• Apex Advantage & PHCS– A feature that provides many preventative services at no additional cost and low co-pays for routine medical treatment at primary doctors, specialists, urgent care facilities and imaging centers. Unfortunately, these particular benefits do require the use of PHCS network providers, but the PHCS network is robust, even in the more remote locations in Colorado.
• WellDyneRX – A full-service prescription benefit manager that provides a six-tiered prescription drug benefit with discounts, co-insurance and copays as low as $1.
  
• 2^nd.MD - Provides a second opinion consultation via phone or webcam with a speccialist for non-emergency services. It helps ensure you are a well-informed patient to determine the best course of action.

Sedera Health and How it works video:

• https://vimeo.com/290590897
  

Sedera Health Overview - Medical Cost Sharing Only video:

• https://vimeo.com/291588453