Healthe Care Program

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 half of U.S. small businesses offer healthcare
  • Choice of affordable healthcare options
  • Lower healthcare costs by as much as 60%

A great solution to help your company:

  • Retain and attract top talent
  • Help your staff lower their healthcare costs
  • Provide healthcare options to part-time and seasonal employees
  • Provide healthcare options to individual employees

The MBHealthcare Program is a proven insurance alternative for members to consider for their healthcare. The program has several components to choose from to customize their healthcare. When each component is brought together, the result is a comprehensive and affordable option for healthcare. The components include (and are detailed below):

  • 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)

Choose: an Apex Preventative Care Plan

Apex Management Apex is the preventative care component of the MBHealthcare 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

View Current Rate Sheets for Apex Advantage

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

View Current Rate Sheets for Apex HDHP/Basic MEC

To learn more about the Apex options, we recommend reviewing the following:

Add: Sedera Medical Cost Sharing

Sedera Healthcare 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:


Telemedicine through TelaDoc

Teladoc 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.

Benefits include:

  • 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

2nd.MD Second Opinion

2nd.MD 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.

Benefits include:

  • 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

Learn about the MBHealthcare Program Components


About CleverRX

Regional Care, Inc. 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.

Click here for the Program Brochure.


  • Member Only - $42.33/mo
  • Member + Spouse - $92.82/mo
  • Member + Child(ren) - $90.78/mo
  • Member + Family - $103.53/mo

Click here for Provider Search.

NOTE: The MBHealthcare Program is currently unavailable in VT, WA and AK.

Membership in the MBNA gives you access to a portfolio of benefits that will help your business operate more effectively and efficiently. The financial return these programs can generate will pay for your membership investment many times over, making MBNA a partner in your progress and profitability.

  More Information

To enroll in the MBHealthcare Program you will need to login with your MBNA Member credentials using the button below.

  Start Enrollment Process

MBHealthcare Program Support Center
(888) 994-4979

Program Basics

The Monument Builders of North America has partnered with the Small Association Leadership Alliance (SALA) to provide our members access to a comprehensive and cost-effective alternative to traditional insurance plans. The MBHealthcare Program helps businesses, who are unable to provide group health insurance, offer their employees access to affordable, high quality healthcare.

The MBHealthcare Program is offered as a benefit of being a member of the MBNA. It is not meant to be a replacement for a traditional group insurance plan, but rather an option for those who currently do not have insurance or have an extremely expensive individual plan. The MBHealthcare Program, in partnership with SALA, is one solution to the high cost of healthcare in the United States. The program is currently unavailable in VT, WA and AK.

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