NEW Jewish HealthShare unitedrefuahhs.org

[Yammer]

then your broker is an idiot....try google

Over 30 needs a "Hardship exemption", no?

This is what I found as well.

[Iz]

This is what I found as well.

Maybe not such an idiot, then...

[ExGingi]

Over 30 needs a "Hardship exemption", no?

Here at DDF we believe in MS, so what's wrong with MH (as long as it fits the checkbox)?

Not advocating anything, nor have I tried it, but based on my reading I don't see why it shouldn't work.

[moko]

Maybe not such an idiot, then...

Over 30 needs a "Hardship exemption", no?

That's reffering to primary emergency insurance. You can by supplemental/ secondary emergency insurance without an exemption. This thread is assuming you have a healthshare and want extra insurance

[Iz]

That's reffering to primary emergency insurance. You can by supplemental/ secondary emergency insurance without an exemption. This thread is assuming you have a healthshare and want extra insurance

Very interesting. The govt. recognizes healthshare as insurance (re this issue)?

[ExGingi]

Very interesting. The govt. recognizes healthshare as insurance (re this issue)?

No. IINM the ACA gives an exemption from the personal mandate to members of a Health Sharing ministry.

[Iz]

No. IINM the ACA gives an exemption from the personal mandate to members of a Health Sharing ministry.

That's what I thought too.

[Moe Ginsburg]

I see a few posts suggesting the idea of combining healthshare membership (such as Refuah or Liberty) with a Catastrophic (ACA) plan. My question is why?

Is it only to cover yourself for medical expenses exceeding $1,000,000 per medical incident, which is what the healthshare limit is (by both Refuah and Liberty)? Or is it something more than just that, that a Catastrophic plan will cover that a healthshare lacks?

Regarding Refuah vs. Liberty, the points I noticed in favor of Liberty is that Liberty pays 100% after the deductible ("unshared") is met whereas Refuah only pays 80%; and that Refuah charges families with more than four children on the plan more whereas Liberty does not; and Liberty's unshared (deductible) amounts are lower than Refuah's.

[good sam]

I see a few posts suggesting the idea of combining healthshare membership (such as Refuah or Liberty) with a Catastrophic (ACA) plan. My question is why?

In case Refuah is insolvent when you need them

[est]

Any personal experience with this?

[sam123]

I see a few posts suggesting the idea of combining healthshare membership (such as Refuah or Liberty) with a Catastrophic (ACA) plan. My question is why?

Is it only to cover yourself for medical expenses exceeding $1,000,000 per medical incident, which is what the healthshare limit is (by both Refuah and Liberty)? Or is it something more than just that, that a Catastrophic plan will cover that a healthshare lacks?

Regarding Refuah vs. Liberty, the points I noticed in favor of Liberty is that Liberty pays 100% after the deductible ("unshared") is met whereas Refuah only pays 80%; and that Refuah charges families with more than four children on the plan more whereas Liberty does not; and Liberty's unshared (deductible) amounts are lower than Refuah's.

Regarding the idea of combining a healthShare with a Traditional/Catastrophic insurance, As far as I remember from the time I researched both options is Refuah officially allowing to have another insurance in case of emergency, Vs Liberty told me that if I'll have another insurance I'll have to bill that insurance first.

[ExGingi]

Regarding the idea of combining a healthShare with a Traditional/Catastrophic insurance, As far as I remember from the time I researched both options is Refuah officially allowing to have another insurance in case of emergency, Vs Liberty told me that if I'll have another insurance I'll have to bill that insurance first.

What's the practical difference?

[sr]

Any personal reviews yet of people who have had to actually use this?