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 medial provider systems, for cost effective and quality medical services. That’s what we do at United Refuah Health Share.
In addition to facilitate 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, by the following methods:
- Health Assistance
1 – We are Health focused – Our members are best served if the eligible medical needs our members are lower; therefore we exert significant effort to get our members healthier and keep them healthy. Every adult member completes a health profile assessment, and an initial encounter conversation with a Registered Nurse. From there, every member works with our nurse to set their own health goals. Then every member is assigned a health coach to help them realize their health goals. Through health-coaching, the membership becomes healthier which drives down medical costs and saves everyone money. This model of getting members healthy to lower their medical costs is the a far-sighted and discerning approach rarely found in the health care system or health care sharing. The eligible medical expenses shared by all members should be lower, and each member should experience savings in their unshared responsibility over time.
2 – Access: Every 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. Every time Telehealth is used instead of any other means of taking care of a medical problem, the average savings in eligible medical expenses is $250 plus the time you save. 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 cheaper).
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.