United Refuah Healthshare
United Refuah Healthshare is Top Rated
Top Rated
Moderate
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United Refuah Healthshare

As of July 2022, United Refuah Healthshare is the only specificallyJewish HealthShare. United Refuah (meaning “healing” in Hebrew) is based in Ohio, and not necessarily restricted to only practicing Jews. However, members must maintain a Jewish lifestyle and agree to the beliefs outlined in the member guidelines. Notably, this does not include keeping kosher, but members must agree to other key Jewish religious beliefs and lifestyle choices. These include: abstaining from tobacco and marijuana products, avoiding the abuse of alcohol and any kind of drug, following scriptural teachings about relationships, and focusing on preventing poor health with a balanced diet and regular exercise.

For more information about membership requirements, you can read United Refuah’s membership guidelines here.

 

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How does United Refuah HealthShare work?

United Refuah functions similarly to other HealthShares in that it limits sharing for non-urgent/catastrophic care. For example, it sets limits on pre-existing conditions, has very limited sharing for prescriptions, and does not offer sharing for routine, preventive care. The focus, as with most other healthshares, is helping members pay for large, unexpected medical bills.

One difference is that United Refuah offers a conditional membership program for those with health problems that could be managed by lifestyle changes. Several other HealthShares offered this in the past, but very few currently do.

Programs

United Refuah HealthShare offers a beautifully simple program structure. As of July 2022, there are only three program options, with pricing determined by household size:

We found no indication on the website that prices change based on location or family size, up to six members. Also, United Refuah simplifies pricing by having set annual pre-share amounts: $500 for a single person, $1,000 for a couple, and $1,500 for a family. Few healthshares have such low pre-share payment requirements.

Prospective members should note that after meeting this pre-share requirement, eligible bills are shared at 80%. This means that members pay 20% of these bills, until they reach the annual pre-share maximum. The annual maximums are:

  • $1,000 for a single person
  • $2,000 for a couple, and
  • $4,000 for a family.

Once members hit this maximum, United Refuah shares 100% of eligible bills, up to $1 million per incident.

In other words, if a single member of United Refuah broke their arm and had a total bill of $10,000, they would have to pay $500 before United Refuah helped. After they paid $500, the remaining bill ($9,500) would be shared at 80% by United Refuah. This means that United Refuah would pay $7,600 and the member would be responsible for the remaining $1,900. But, good news! Owing another $1,900 places this member above their maximum annual limit, so in reality they would pay another $1,000 and United Refuah would help with the rest. Practically speaking, this injured member pays $1,500 of a $10,000 bill.

Members hoping to start a family should know that United Refuah charges an additional pre-share for Maternity needs, and the due date must be ten months after the membership activates to be eligible. Finally, members pay annual membership dues; $125 at enrollment, and $75 each year the membership renews.

 

Submitting bills

United Refuah seems to be trying to make things as easy as possible for its members. Providers may submit bills directly to United Refuah, or members may recieve bills as a self-pay patient and submit them for reimbursement. The only exception is that rather than photographs of bills, United Refuah prefers scans, faxes, or mailed documents.

This HealthShare also does not have a provider network, so members may use any licensed provider or facility they like without penalty.

 

How do I sign up?

Prospective members may apply here.

 

Alternatives to United Refuah Healthshare

Currently, no other healthshares cater to the Jewish faith. The best alternatives are the two HealthShares not affiliated with any particular faith, Zion Health and Sedera. United Refuah was founded in response to Christian ministries refusing to enroll Jewish members, so unfortunately, options are slim. The good news is that the three existing ministries welcoming Jewish members all have very high customer ratings! There may not be many choices in terms of quantity, but in terms of quality, the available options are some of the best in the business.

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