United Refuah HealthShare is the first and ONLY Jewish based health care sharing organization. This is important because now Jewish Americans may join a Health Sharing organization without making representations which are contrary to their faith beliefs.
The founders of United Refuah designed it with the unique characteristics of the American Jewish population in mind. The goal was to be the best health care sharing organization for its members, which doesn’t necessarily mean the lowest monthly contribution. The founders have taken the best of other health care sharing organizations and discarded the elements that should be eliminated in order to provide the best value for the members. The best health care sharing organization does more than allow for low monthly share amounts: It brings like-minded members together to share their eligible medical expenses, and it provides the members with the tools necessary to maintain and improve their health, as well as navigate the medical provider systems, for cost effective and quality medical services. That’s what we do at United Refuah Health Share.
In addition to facilitating the sharing of medical expenses, United Refuah assists its members in keeping medical needs low by having them become healthy and stay healthy. We do this for all members, through the following methods:
- Health Assistance
1 – We are Health focused – Our members are best served when the eligible medical needs of our members are lower. We therefore exert significant effort to improve and maintain the health of our members. Each adult member completes a health profile assessment, and has an initial encounter conversation with a Registered Nurse. Each member is assigned a health coach with whom to discuss and set realistic goals. Through health coaching, the membership becomes healthier which drives down medical costs and saves everyone money. This model of focusing on health is the far-sighted and discerning approach rarely found in the health care system or health care sharing. Through the focus on the proactive health management of our members, the eligible medical expenses shared by all members are thereby lower.
2 – Access: Each member has access to a doctor 24 / 7 through a telehealth platform that all members are encouraged to use as needed, which saves members’ time and money. Each time Telehealth is used instead of any other means of addressing a medical concern, the average savings in eligible medical expenses is $250 in addition to the time saved. United Refuah also includes access to Mental Health services. URHS offers 10 visits for mental health per year, whether through a walk-in clinic or through the Telehealth option. We believe it is important to offer this mental health benefit because mental illness and stress are some of the leading causes of disease and higher health costs. This insight and approach to mental health is unique to United Refuah Health Share; we are the only health share to provide it.
3 – Advice: We provide a medical concierge service for our members. Whether you are looking for a GI specialist, or need advice on where to get the lowest cost for an MRI, or when calling in for sharing of medical needs services, our Advice team will assist you with any and all those questions. No other health sharing organization has this level of Advice services which focuses on holding down the member’s costs while providing excellent service. Navigating the health care system, with nontransparent prices and confusing choices can be difficult; United Refuah provides advice to its members. Note: United Refuah does not limit members to a limited network of providers. All members can see any Provider they choose.
Bottom Line Value: What is your health worth? That is the question that has to be asked. Is the cheapest car the best car? In addition to facilitating the sharing of eligible medical expenses, United Refuah is also concerned with Improving your health and keeping you healthy. Your health is the true value of a membership in United Refuah Health Share. When you are healthy, life is better (and less expensive).
Compare the differences in the discounts offered to United Refuah members, with those offered by other health care sharing organizations. (Note these are discount programs and are not insurance products):
- URHS offers discount Rx card that is accepted at ALL pharmacies
- URHS offers Rx Patient Assist Program for expensive medications
- URHS offers Prescriptions by mail for significant savings; URHS Rx program has automatic drug / drug interaction check
- URHS offers Aetna Dental discount
- URHS Aetna dental has 225,000+ dentists
- URHS offers a coast to coast vision program
- URHS vision provides a link that lists all eye centers serviced
Lab and imaging Discounts
- URHS offers discount lab pricing at 1,500 locations (lab discount services not allowed in NY, NJ, MD & RI);
- URHS offers discounts on imaging services.