Please note: This is a sponsored post.
As with anything in life, when many people contribute toward one goal, it places less of a strain on each individual. So, what do you get when thousands of Jewish families across the United States join forces? Lower healthcare costs for everyone. That’s the driving philosophy behind United Refuah and that’s how members are saving as much as $10,000 – $20,000 each year on their healthcare expenses.
What’s a health-share?
For decades, various religious groups have utilized health-sharing in order to mitigate the crushing financial strain that traditional healthcare costs have placed on their community members. Ultimately, these health-sharing programs allow members of their faith an opportunity to share in each other’s costs while significantly cutting out administrative costs and medical expenses that run contrary to traditional religious beliefs or are otherwise considered unnecessary.
It wasn’t until the foundation of United Refuah HealthShare in 2018, that Jewish American families had the opportunity to do the same without compromising on their beliefs.
United Refuah is a non-profit, health-sharing organization that was founded to meet a pressing need within the Jewish community. Since its inception, it has remained true to its original mission: providing the Jewish community with an effective and affordable way to manage its healthcare expenses. Members’ costs are so low because there is no unnecessary overhead to cover and no investors at the top collecting profit. That means United Refuah members slash their healthcare expenses – often by as much as ten or twenty thousand dollars a year!
So, how exactly does it work?
Simply put, members make low monthly contributions to their ShareFund based on their family size. When a member encounters a healthcare expense, the funds in their ShareFund are first accessed to pay for those expenses. If the member does not have sufficient funds in their own ShareBox, the healthcare costs are split between other members, resulting in dramatically lower healthcare costs and dramatically higher satisfaction rates. So, not only do members save as much as tens of thousands of dollars a year, their monthly payments are directly helping other Jewish members with their healthcare expenses.
United Refuah members share in preventative care, sick care, hospitalization, maternity care, lab work and other eligible medical expenses. Sharing requests are generally processed within 24 hours of receipt either directly to the provider or to the member if payment was made at the time of service.
United Refuah members are not limited to “in-network providers,” so members are able to use the doctor and hospital of their choice with generous reimbursement limits.
Have questions? Do your research. Hear from real United Refuah members!
United Refuah HealthShare is opening the floor for a live Q&A session to answer your questions. Join the free United Refuah webinar on Sunday, February 14th at 8:30 PM to learn if United Refuah is the right fit for you. Secure your spot today at URefuah.org.
United Refuah empowers the Jewish community nationwide to make healthcare affordable through sharing. United Refuah is not an insurance company, and does not offer insurance. Sharing is subject to Sharing Guidelines.
Questions? Visit URefuah.org or Call today at 440.772.0700. Average response time is 20 seconds.
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8 Comments On "Sponsored: Jewish Americans Are Saving Thousands On Their Healthcare Each Year. Here’s How."
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So standard prescriptions aren’t covered and a family annual medical share max is $8k. To each their own…
They have four different levels in their involvement with prescription medications. You should find out how much you are your prescriptions would cost you as self pay as opposed to co-pay on an insurance plan. In many cases the co-pay is MUCH more than the cash price. Also, at self pay rates, a family will rarely reach a co-share max of $8000. In order to reach that max they would have to have $40,000 of medical expenses. A regular birth runs more in the $15K range for self-pay including doctor and hospital. If something significant G-d forbid was going on and expenses exceeded the $40K that the member co-shares 80/20, sharing begins at 100% up to $1,000,000 per incident.
Just had a baby. They paid for everything as promised. I would recommended it to others to consider.
does anyone have any experience in regard to them paying for hospital claims ? specifically their limit of 150% of Medicaid allowable ?
does that work out well?
Most hospitals give a major discount for self pay. I had a baby in MMC and they paid for everything agreed on.
Look at New Jersey for example. Unless you are high income (over 500% FPL), hospitals cannot charge more than 115% of Medicare allowable. This is well below United Refuah’s 160% Medicare allowable for hospitals.
To explain it better:
For a family between 3 and 6 – max costs annually
$500×12=6000
Pre share – 1500 (similar to a deductible)
Co share (20% of the bill) – once you hit 8k that pay 100% up to a million dollars an incident.
Renew policy, includes the whole family – $75
(This is not including pregnancy’s)
The “maximum” you will pay out of pocket in this case would be $15,575
(It’s highly unlikely you will ending up paying this much but this would be the max, typical health insurance would cost you an additional 10k annually.
I along with many friends have just signed up.
Thanks for explaining Eli, but it does seem that the prices that you listed include pregnancy as well. For a family plan there is no additional pregnancy preshare. It is only for the single and couple plans that there is an additional pregnancy preshare responsibility.