Healthshare Plans | Jewish Healthcare Sharing Ministry

Affordable Monthly Sharing Options:
Single: $199/month
Couple: $349/month
Family (3-6 members): $499/month
Affordable, Simple & Transparent Worldwide Healthcare

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Experience the Freedom of Being Able to Use the Doctor or Hospital of Your Choice Worldwide

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United Refuah HealthShare is the first and only Jewish HealthSharing Organization with the mission to:

Give back your control, freedom, and flexibility. Use the doctor and hospital of your choice, anywhere in the world. Our higher reimbursement rates help you get the care that you want. You won’t hear from us the words ‘out-of-network’.

Put money back in your pocket. Families typically can save $10,000 to $20,000 every year over other healthcare options.

Share with your community in accordance with Torah values. Your hard earned healthcare dollars will be used to share in the medical needs of our healthsharing community instead of going toward multi-billion dollar corporate overhead and profit, and procedures that run contrary to our Torah values.

Learn More

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Affordable Monthly Programs Based on Your Family Size:

Monthly Contribution:	Bank Debit	Credit Card
Single	$199	$209
Couple	$349	$359
Family 3-6 members. $50 each additional.	$499	$519

Annual Plan Limits	Pre-Share	20% Co-Share Maximum
Single	$500	$1,000
Couple	$1,000	$2,000
Family	$1,500	$4,000

After members have met their Annual Pre-Share Amount, United Refuah HealthShare will share 80% of eligible medical expenses, and the member will be responsible for a 20% Co-Share. The 20% Member Co-Share is limited to an annual Co-Share Maximum. Once this maximum is reached, eligible expenses are shared at 100% up to $1,000,000 per incident. Couple memberships are responsibile for an additional $900 Pregnancy Pre-Share in the event of a birth. Single memberships are responsible for an additional $2500 Pregnancy Pre-Share in the event of a birth.

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United Refuah HealthShare

4.9

See all reviews Write a review

Mayer Szabovitz

20:16 27 Oct 21

I must thank you for the great experience I have dealing with your company. I have recommended United Refuah to several people already. Greatly appreciate the prompt response on all claims!

PASAB ESTATES

18:13 20 Oct 21

The best alternative to insurance!! The staff is very courteous and they really help you out with everything including medical suggestions. Special thanks to Rabbi Katz for making this organization the way it is today!!

Eli Rosenblatt

04:10 13 Oct 21

Reizy Englander

19:21 26 Aug 21

Grand!The service is great-and where else will the office give out names for the staff to Daven for?Very quick too-I didn't join after the first time I applied, and got my enrollment promptly refunded; as for reimbursements, suffice it to say that being that I paid out of pocket by cc, I got my reimbursement weeks before I actually paid it-typically within about one week. [That's with slow covid mail...]As for the savings... well let's just say that we had a protracted medical experience, several days in the hospital, follow ups, surgery... the works! Out of pocket cost? LESS THAN $2,000! I know someone else who was getting insurance through their employer for $70 MORE per month than URH who had a similar experience; their OOP was $7,000...

bz kreiser

16:17 26 Jul 21

United Refuah was one of the best places I have worked. As a former employee, I was amazed with how much care, support, and personal attention they gave to each one of their members. They are dedicated to HIPPA regulations, the member's experience, and providing each member with top-notch service at the most affordable prices available.United Refuah is committed to not only helping their members through the financial aspect of the medical world but their team goes above and beyond to assist members and make it a smooth process in whatever way possible. Their genuine desire to help Klal Yisroel is palpable and comes across in every interaction with their members.

Esti L.

13:16 23 Jul 21

Leah Frischman

17:40 19 Jul 21

My journey with United Refuah has only been positive. Doctors offices and hospitals are 100% on board. My bills are paid within days. Office staff is extremely helpful and knowledgeable. Thank you for bringing this cost-effective health plan to our community!

Miriam Hershkowitz

15:20 15 Jul 21

I have found United Refua to be extremely beneficial and knowledgeable. The Director Rabbi Moshe Katz has gone way above and beyond "the call of duty" Mrs. Basya Broad has proven to always be helpful and extremely efficient. I am very happy about our family's choice to use United Refua and I recommend them to all who I know.FIVE Stars for United Refua Health Share

Yaakov Kuritsky

17:48 08 Jul 21

my wife and I are very satisfied with United Refuah.Very understanding and knowlageable staff. Keep up the good work

Eric Feman

15:42 30 Jun 21

The staff is always friendly,,eager to help, efficient and any other positive attribute I could think of.Claims are handled quickly,and checks mailed promptly.I am totally satisfied, nothing to complain about.

Miriam Steinberg

15:57 08 Jun 21

Alan Zahner

15:16 26 May 21

Understanding , Professionalism ,and Customer Service is the best you can get . They always always have your best interest in mind ,and are very helpful . Very affordable and good coverageI recommend everyone should try United Refuah Healthsare

Uri Schuster

14:31 26 May 21

We are members for over two years now. We have added our children almost a year ago...We are extremely pleased...1. The savings is VERY considerable.2. Refuah always has very knowledgeable staff available by phone or email.3. The Refuah people help you navigate through decisions etc, instead of being adversaries like the insurance companies.4. They pay promptly.5. In one area that was a question, they resolved it in our favor. (They are very "menshlich".)

Shlomo Pollak

18:36 25 May 21

Very east to deal with, all their CS people are wonderful to deal with. They answer all my questions with patients and ease. I also save thousands of dollars a year over my previous insurance company. Win Win!!

Mark Lieberman

19:38 20 May 21

I highly recommend United Refuah HealthShare. Their customer service is excellent. They helped me with my and my children's medical bills. Always helpful, courteous and attentive.

Wayne Fleischman

14:08 13 May 21

You guys are courteous and professional THROUGH AND THROUGH!!!!

chaim nechemia wolf

21:11 21 Apr 21

Knowledgeable, Helpful and quick to respond

Sol Vizel

21:46 20 Apr 21

I recently applied and they were very helpful with some complicated tax questions I had, and did not give me the hard sell, but answered all my questions and put me at ease with the process. I certainly recommend giving them a look!

Francis Erdman

16:47 16 Apr 21

These people are the best! Very caring and responsive!

Ovadia Somekh

21:40 15 Apr 21

Great customer experience. Very helpful in walking through the process.

Igor Meystelman

19:47 15 Apr 21

18:37 14 Apr 21

Excellent customer service

Simcha Ringel

17:28 14 Apr 21

Great customer service and quick responds on all,

Joseph Jacobowitz

20:54 13 Apr 21

We've only recently joined the health share and so far it's been a smooth process. The best part is the customer service. As soon as I call, I am put through to a person who can speak clearly and knowledgably about my coverage and options, in a caring way.

Gani Goodman

01:52 13 Apr 21

Yanky Dreyfuss

15:17 07 Apr 21

David Mittelman

02:50 02 Apr 21

great choice for my son in yeshiva

Chaya Birnbaum

14:43 31 Mar 21

they are helpful in every way! Wish I can give more than 5 stars

M Music

02:42 31 Mar 21

Besides for the savings, The staff is amazing, friendly and always going the extra mile to help.

Avi Norman

16:12 25 Mar 21

Please kindly cancel my membership effective May 1, 2021.Michael A_DOB:ID #Reason for Cancellation: I will be 65 on May 11th and as such will be on Medicare.I would like to thank you for your excellent service, and attentive, caring and exceptionally committed staff.When I had no coverage (due to ObamaCare’s usurious pricing) and no good options, Refuah stepped in and saved me with good coverage at an extremely reasonable monthly cost.It has been a pleasure to be a member and please feel free to contact me for any references.Happy Passover to All !Michael A.

Michael Ackerman [ar]

21:23 24 Mar 21

chaya gruskin

16:44 24 Mar 21

Pordan Jederson

16:18 23 Mar 21

United Refuah is a no brainer! Who likes dealing with an insurance company?? I didnt think so....United Refuah is like dealing with Family. I would recommend them to everyone as the best alternative to traditional Insurance company's!S.J.F

Saul Falack

16:31 22 Mar 21

Great experience, when needed, United Refuah helped me with my hospital bills. Would highly recommend to others

Shmuel Moshe Harris

00:10 22 Mar 21

I love this health care system! They answer you questions very fast and they help you pay the doctors bill. Its also a very fare price and they have amazing customer service.

Miriam Goldglantz

19:32 20 Mar 21

They really have worked with us and have been reasonable!I only wish they were kore accepting of alternative medicine practitioners if that’s who i want to use...

Leora Meystelman

15:16 19 Mar 21

United Refuah was a pleasure to deal with, answering all my questions and providing top notch service.

John Svarc

17:03 15 Mar 21

Great company - no issues. Saved already tens of thousands.

Yochy Miller

19:43 10 Mar 21

Signing up was quick and easy. I was approved in 2 or 3 business days. I haven't used the HealthShare yet, B"H, but the organization really feels like a finely tuned machine. I'll be sure to edit this if the time comes I actually have a bill.

Daniel Wersing

20:47 01 Mar 21

Best Ever Service

Harry Kraus

20:20 25 Feb 21

Chaim Weiss

19:37 24 Feb 21

Always paid out, on time.

Mark Schlesinger

17:52 24 Feb 21

BH Never used but very good costumer service

Shloma Rosenberg

22:07 14 Feb 21

I am so enjoying the relationship that I have with the nice people at United Refuah. Some of the people that I have interacted with include the President himself, as well as Esti L and Tziporah. They are always so eager to help answer any question that either my wife or I might have. However the best part of doing my health insurance needs with them is the price I pay! I was paying over $2,000 a month previously and have now reduced my monthly cost to a bit under $500. All the doctors that my family is used to are still our doctors. Most of them have heard of United Refuah and are happy to send them the bills. A real pleasure and a great cost savings over my previous health insurance.

Ephraim Yurowitz

19:16 12 Feb 21

Sam Jacob

17:47 12 Feb 21

URHS is a great alternative to traditional health care. The staff is very knowledgeable and responsive (thank you Esti L.) and they are always patient and helpful with my questions and processing our bills. I highly recommend this as a great healthcare option for your family!

Racheli Daniel

19:42 11 Feb 21

This was a very easy application process. I was assisted well on the phone for the questions that I had. The online webinar covered many of the questions that I had about how the program works and what I might expect. This seems to be a great alternative for my health care needs.

Stephen Blank

17:55 10 Feb 21

It's always a pleasure dealing with United Refuah. Their staff is extremely knowledgeable and friendly. Claims are easy to file and get paid promptly with no questions asked. I never had any issue getting a claim shared. Highly recommend.

Moshe Berger

15:29 09 Feb 21

United Refuah’s services is a no-brainer. Aside for what you end up overall saving versus traditional health insurance, their customer service is very friendly, caring, and knowledgeable. I highly recommend using United Refuah!

Menachem Fischl

15:51 04 Feb 21

Staff are very helpful and engaging and excellent with follow up

charles bonner

02:27 04 Feb 21

Yair Alfieh

15:19 03 Feb 21

A very warm and personal experience joining the HealthShare Group. The staff is very personable and engaging and takes the time to answer all questions. A rarity these days indeed, but good to know it's still possible!

Mitch Joseph

19:39 01 Feb 21

dov jacobson

15:06 31 Jan 21

Very Happy with the level of customer service!

Jonathan H.

21:59 27 Jan 21

David Gemal

16:24 27 Jan 21

very informative staff

Joseph Klein

16:15 27 Jan 21

United Refuah and their team have been absolutely fantastic with me and my recent diagnosis. I cannot say enough about their compassion and empathy towards me and the support offered through this difficult time. Well done to all and a huge heartfelt thankyou for being so amazing.

Robbie Jacobs

19:00 20 Jan 21

Amazing Plan, Amazing Service and Extremely fast payback for claims.

Y Fr

17:20 20 Jan 21

Very friendly and accommodating. Moved from Liberty Healthshare and couldn't be happier with the change.

A Cooper

16:51 20 Jan 21

The staff over there really cares for you like they are a part of your family

Aron Green

16:15 20 Jan 21

Extremely friendly and accommodating. They listen and explain what needs explanation.

Avi Laster

00:27 18 Jan 21

In general, I think the health share idea is a good one. In particular, I am very impressed with the team at United Refuah. From the way they respond to my questions to the advice and guidance they offer, I am happy I chose United Refuah for my health share.

j k179

15:57 17 Jan 21

Moe Bodner

01:57 17 Jan 21

United Refuah really has great calm pepole out there to answer all your questions with such clairty and patience.Highly recommend

Moshe Bee

18:09 15 Jan 21

A wonderful group of dedicated people who try their utmost to help and advocate in a both professional and effective manner. I was privilged to benefit from this organization and strongly recommend others to join.

Aaron Orlander

04:54 05 Jan 21

I have only been in America for 3 12/ years now and a member of United Refuah for 1 1/2 of those years. Prior to that I was pushed around from one "insurance" or so called Insurance to another and cost me a lot of heart ache and money only to be told at one time when I needed it most, that I don't have the coverage and they wouldn't pay the claim. Feeling extremely despondent and frustrated I started asking around and was fortunate enough to have been referred to United Refuah healshare. I have been with them ever since and found them and their team to be absolutely awesome, caring and very responsive to my needs. I highly recommend them and hope that all that require their services at the time of need is met with the same great response I have had. Love you guys and thank you for taking the stress away for my health issues...

Robbie Jacobs

15:06 26 Oct 20

To the administration and members of United Refuah, I’ve been a member since July 2019. In the beginning it was a little hard to navigate the idea of a health share and many doctors and offices didn’t really understand what it was about and that often they get paid more fairly than by traditional medical insurance. I heard about United Refuah and signed up as a couple being in our 40s and B”H healthy. This past summer, we went through a tumultuous experience with my wife suddenly having seizures and possibly a stroke . The way United Refuah handled us was amazing . The COE Moshe Katz truly helped us in every way ,from having a top neurologist interpret and read the scan for a second opinion and by helping out financially in a situation where we were suddenly thrust into a whole new territory. So to rate this company , I’ll be honest it’s a little complicated, but once you get the concept of a health share , you are dealing with a truly caring “family” not an insurance representative or executive looking to deny every claim. May this company be Matzliach and May we all have a Gmar Chasima Tovah . A healthy and prosperous year.

Moishe Waxman

19:47 21 Sep 20

I'd like to thank Basya at United Refuah for going the extra distance for me. She didn't have to, but she did some research and found a coupon for a prescription that still costs me $75 a month but without the coupon it would be $400 a month. Thank you, Basya!

Anne Maertz

14:12 16 Sep 20

Knowledgeable staff, phone calls answered in a timely manner, great option for Jewish families looking for a Jewish Healthshare program.

Susan Boblasky

17:19 26 Aug 20

The process for getting reimbursed is a bit arduous. Otherwise, a great idea and service.

Hedva Wellerstein

15:00 25 Feb 21

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Get affordable healthcare, right here in our healthsharing community.
United Refuah Healthshare is not insurance, it’s a group of people like you who share one another’s healthcare expenses.

United Refuah HealthShare is the first and only Jewish HealthSharing Organization with the mission to:

Affordable Monthly Programs Based on Your Family Size:

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