Aria Bendix is the breaking health reporter for NBC News Digital.
ARDEN, N.C. — Rachel Kaplan was uninsured when she became pregnant last year. So her doctor suggested an alternative: a nonprofit called Sedera, which bills itself as a medical cost-sharing service. Sedera members pay monthly fees that get pooled together, and the organization can use the collected funds to reimburse members for medical bills. The model is somewhat akin to health insurance, but Sedera isn’t subject to the same regulations.
“I thought I had done all my homework,” Sheffield said. Now, the couple blames themselves for not noticing the maternity policy — located on Page 44 of Sedera’s 49-page guidelines, which are available for download on its website. Kaplan said she tried for months to get Sedera to reimburse her delivery costs, which the hospital discounted to around $7,000, without success. “It was so stressful. I was crying my eyes out. I was bawling. I was pleading with Sedera.
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