General Information:

United Refuah HealthShare℠ is a health cost sharing organization [an IRC 501(c)(3) tax-exempt organization] for members of the Jewish religion, who practice member to member sharing of medical expenses.


  • United Refuah HealthShare℠ has no network, therefore members are able to use any provider of their choice.
  • Referrals are not required
  • Some services require a prenotification. Please call 440-772-0700, to prenotify any of the procedures/treatments  listed below:
    • Inpatient Admissions (including Hospital, Skilled Nursing, Rehabilitation, and Hospice)
    • Organ/Tissue Transplant Services
    • Extended Emergency Department Observation Periods and Observation Care
    • Home Health Care Services and Hospice Services
    • All Outpatient Surgery (including surgical centers, clinics, hospitals)
    • Obstetric and Prenatal Needs (members must notify of pregnancy as soon as possible)
    • Maternity upon admission or anticipated admission for labor and delivery, c-section or inpatient management during pregnancy
    • Non-emergency Magnetic Resonance Imaging (MRI) scans
    • Non-emergency CT scans
    • Positron Emission Tomography Scanning (PET)
    • All joint injections- pain management, etc.
    • Dental- care for injured sound teeth (all other dental care is NOT eligible for sharing)
    • Sleep studies if determined by a physician
    • Cardiac Catheterization
    • Cardiac Rehabilitation
    • Diagnostic Colonoscopy
    • Endoscopy
    • Chemotherapy or Radiation Therapy
    • Cancer Treatment
    • Occupational Therapy/Physical Therapy/Speech Therapy/Outpatient Respiratory Therapy- up to a maximum of 12 per year combined
    • Acupuncture – for up to a maximum of 10 visits
    • Laboratory Testing
    • Complementary or Alternative Medical Management after initial evaluation
    • Treatment outside of United States-will need prior contact with the Prenotification department
  • Medical Bills should be submitted via HCFA 1500 or CMS UB04 to:
    • United Refuah HealthShare℠
      PO Box 18523,
      Cleveland Heights, OH 44118
    • Faxed to 440-510-0444
    • Secure web upload at
  • ID cards contain all relevant information for billing, including member number and effective date.

Payment Information:

  • Members are responsible for an Annual Preshare Amount (APA) as follows:
    • $500 for a single member
    • $1,000 for a couple
    • $1,500 for a family
  • Members are responsible for an 20% Co-Share Amount up to their Maximum Annual Co-Share based on their membership size as follows:
    • $1,000 for a single member
    • $2,000 for a couple
    • $4,000 for a family
  • Preventative Screenings and Wellness are not subject to the Annual Preshare Amount.
  • Requests for sharing must be submitted within 90 days of the date of service.
  • Bills are processed on average within 30 days of receipt.
  • General Maximum Reimbursement Rates are a maximum of 150% of Medicare allowable for the area where service is rendered.