An Affordable Healthcare Option for DMAR Members

All benefits included in one low monthly rate.

For years, one of the most common concerns for Realtors® has been finding affordable healthcare solutions. One of the steps the Denver Metro Association of Realtors® 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, it’s a good time to learn. 



As a benefit to you, enrollment in this program is now available to DMAR 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 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 – 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 co-pays as low as $1.

Since each individual’s situation is different, it’s not the intention of DMAR to recommend a specific healthcare plan for its members – it is the responsibility of each member to determine the suitability of any plan for his or her situation.  However, DMAR has made a meaningful effort to make this option available with the belief that there will likely be many for whom this plan is an affordable and appropriate solution.

Details and pricing for this option are available here, along with contact information if you have questions or would like additional help.

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