United Refuah HealthShare is the only health share specifically founded to serve the Jewish community. Based in Cleveland, Ohio, the organization is not limited to practicing Jews, but membership is guided by Jewish values. To join, individuals must agree to “abide by the ethical and practical laws and lifestyle of Judaism which is based upon the dictates of the Torah.” This includes commitments to abstain from tobacco and marijuana, avoid drug and alcohol abuse, follow scriptural teachings on relationships, and maintain health through a balanced diet and regular exercise.
For more information about membership requirements, you can read United Refuah HealthShare’s membership guidelines here.
United Refuah functions similarly to other health shares by limiting sharing for non-urgent care. For example, it places restrictions on pre-existing conditions, offers limited sharing for prescriptions, and sets a $25,000 per-person maximum for medical incidents that occur within the first 60 days of membership. Like many health shares, the focus is on helping members manage large, unexpected medical costs.
United Refuah HealthShare offers a simple program structure. There are three program options, with pricing determined by household size:
The Family membership includes up to six members, with a $50 fee for each additional family member. United Refuah keeps pricing simple with a set Annual PreShare Amount (APA) for each program: $500 for a single person, $1,000 for a couple, and $1,500 for a family. Few health shares offer pre-share amounts this low.
Prospective members should note that after meeting the APA, eligible expenses are shared at 80%. This means that members pay 20% of the eligible medical expenses until they reach the annual CoShare maximum. The annual CoShare maximums are:
Once members hit this maximum, United Refuah shares 100% of eligible bills, up to $1 million per incident.
For example, if a single member broke their leg and received a total medical bill of $10,000, they would first pay $500 before United Refuah begins sharing the cost. After the $500 payment, the remaining balance of $9,500 would be shared at 80%. This means United Refuah would share $7,600, and the member would be responsible for the remaining 20%, or $1,900. However, because $1,900 exceeds the member’s maximum annual CoShare limit of $1,000, the member would pay only $1,000 towards the CoShare. In total, the injured member would pay $1,500 toward a $10,000 medical bill.
Members hoping to start a family should note that United Refuah charges an additional amount for maternity needs for individual members and couples, and the due date must be at least ten months after the application date to be eligible. Family memberships (a couple with at least one child) do not require the additional maternity amount.
Finally, members pay a one-time enrollment fee of $125 and an annual renewal fee of $75.
United Refuah HealthShare makes things as easy as possible for their members. Providers may submit bills directly to United Refuah, or members may receive bills as self-pay patients and submit them for reimbursement.
This health share also does not have a provider network, so members may use any licensed provider or facility they like without penalty.
Prospective members may apply here.
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