Author Topic: NEW Jewish HealthShare unitedrefuahhs.org  (Read 39106 times)

Offline Yammer

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Aug 2015
  • Posts: 3695
  • Total likes: 217
  • DansDeals.com Hat Tips 1
    • View Profile
Re: NEW Jewish HealthShare unitedrefuahhs.org
« Reply #60 on: January 06, 2019, 08:36:33 PM »
then your broker is an idiot....try google
Over 30 needs a "Hardship exemption", no?
This is what I found as well.

Offline Iz

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2014
  • Posts: 7001
  • Total likes: 460
  • DansDeals.com Hat Tips 13
    • View Profile
Re: NEW Jewish HealthShare unitedrefuahhs.org
« Reply #61 on: January 06, 2019, 08:37:11 PM »
This is what I found as well.
Maybe not such an idiot, then...

Offline ExGingi

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Nov 2015
  • Posts: 15620
  • Total likes: 7712
  • DansDeals.com Hat Tips 19
    • View Profile
  • Location: 770
  • Programs: בשורת הגאולה. From Exile to Redemption. GIYF. AAdvantage Executive PlatinumŽ
Re: NEW Jewish HealthShare unitedrefuahhs.org
« Reply #62 on: January 07, 2019, 12:29:55 AM »
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.
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Online moko

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Jul 2011
  • Posts: 4567
  • Total likes: 1484
  • DansDeals.com Hat Tips 2
    • View Profile
  • Location: BOS
Re: NEW Jewish HealthShare unitedrefuahhs.org
« Reply #63 on: January 07, 2019, 07:59:40 AM »
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

Offline Iz

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2014
  • Posts: 7001
  • Total likes: 460
  • DansDeals.com Hat Tips 13
    • View Profile
Re: NEW Jewish HealthShare unitedrefuahhs.org
« Reply #64 on: January 07, 2019, 09:22:52 AM »
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)?

Offline ExGingi

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Nov 2015
  • Posts: 15620
  • Total likes: 7712
  • DansDeals.com Hat Tips 19
    • View Profile
  • Location: 770
  • Programs: בשורת הגאולה. From Exile to Redemption. GIYF. AAdvantage Executive PlatinumŽ
Re: NEW Jewish HealthShare unitedrefuahhs.org
« Reply #65 on: January 07, 2019, 12:58:45 PM »
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.
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline Iz

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2014
  • Posts: 7001
  • Total likes: 460
  • DansDeals.com Hat Tips 13
    • View Profile
Re: NEW Jewish HealthShare unitedrefuahhs.org
« Reply #66 on: January 07, 2019, 01:07:32 PM »
No. IINM the ACA gives an exemption from the personal mandate to members of a Health Sharing ministry.
That's what I thought too.

Offline Moe Ginsburg

  • Dansdeals Gold Elite
  • ***
  • Join Date: Jul 2013
  • Posts: 235
  • Total likes: 13
  • DansDeals.com Hat Tips 0
    • View Profile
Re: NEW Jewish HealthShare unitedrefuahhs.org
« Reply #67 on: February 16, 2019, 11:06:18 PM »
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.
« Last Edit: February 16, 2019, 11:19:29 PM by Moe Ginsburg »

Offline good sam

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Jun 2011
  • Posts: 3340
  • Total likes: 558
  • DansDeals.com Hat Tips 10
    • View Profile
Re: NEW Jewish HealthShare unitedrefuahhs.org
« Reply #68 on: February 16, 2019, 11:48:44 PM »


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
If you don't care why would you comment?
HT: DMYD

Offline est

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Jun 2008
  • Posts: 456
  • Total likes: 20
  • DansDeals.com Hat Tips 0
    • View Profile
Re: NEW Jewish HealthShare unitedrefuahhs.org
« Reply #69 on: August 26, 2019, 12:23:38 AM »
Any personal experience with this?

Offline sam123

  • Dansdeals Silver Elite
  • **
  • Join Date: Aug 2013
  • Posts: 80
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: NEW Jewish HealthShare unitedrefuahhs.org
« Reply #70 on: August 26, 2019, 10:05:45 AM »
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.

Offline ExGingi

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Nov 2015
  • Posts: 15620
  • Total likes: 7712
  • DansDeals.com Hat Tips 19
    • View Profile
  • Location: 770
  • Programs: בשורת הגאולה. From Exile to Redemption. GIYF. AAdvantage Executive PlatinumŽ
Re: NEW Jewish HealthShare unitedrefuahhs.org
« Reply #71 on: August 26, 2019, 12:57:51 PM »
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?
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline sr

  • Dansdeals Silver Elite
  • **
  • Join Date: Jun 2008
  • Posts: 64
  • Total likes: 0
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
Re: NEW Jewish HealthShare unitedrefuahhs.org
« Reply #72 on: November 13, 2019, 11:02:18 AM »
Any personal reviews yet of people who have had to actually use this?

Offline Zalc

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Nov 2014
  • Posts: 1785
  • Total likes: 157
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: USA
Re: NEW Jewish HealthShare unitedrefuahhs.org
« Reply #73 on: December 12, 2019, 09:03:58 PM »
Any personal reviews yet of people who have had to actually use this?
Bump

Offline Zalc

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Nov 2014
  • Posts: 1785
  • Total likes: 157
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: USA
Re: NEW Jewish HealthShare unitedrefuahhs.org
« Reply #74 on: December 13, 2019, 11:06:28 AM »
Does anyone here have experience with Sedera?

Non-religion healthcare, claim thousands of members as well.
They have a deductible per incident (not annual) and then it shares 100%

https://sedera.com/sedera-faq-copy/

Offline Zalc

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Nov 2014
  • Posts: 1785
  • Total likes: 157
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: USA
Re: NEW Jewish HealthShare unitedrefuahhs.org
« Reply #75 on: January 15, 2020, 12:58:56 PM »
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.
Update:

United refuah is firmly secondary to any insurance.

They strongly discourage getting catastrophic insurance, as you then will get billed insurance rates, while the Healthshare will only share 150% of Medicare allowable for the specified CPT code, so  you will be stuck with the balance after that 100%.

And even if you go out of network, where United will be the primary payer... You will still get billed at insured rates as "out of network insured", and the amount will be way higher than United Refuah's limit.

Offline 4yourinfo

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Feb 2013
  • Posts: 752
  • Total likes: 103
  • DansDeals.com Hat Tips 4
    • View Profile
  • Location: usa
Re: NEW Jewish HealthShare unitedrefuahhs.org
« Reply #76 on: January 15, 2020, 11:41:30 PM »
I would think the exact opposite - insurance companies have negotiated rates which are way lower than the actual rate so they should be very happy to get the insurance companies negotiated rates. In fact I know someone who is getting bills and United refuah is trying to only pay for the 150% as you mentioned but the providers are telling them to jump in the lake! They want the full amount and they won't negotiate at all! Think about it why would a provider agree to only get medicare rates if there is no contract for them to only get that amount? It may work by a couple of providers but the vast majority are not falling for it. I guess for the couple of providers that officially have some deal with United refuah those providers United refuah will lose out on. But for someone that is not using those providers I would think it would be very beneficial for United refuah to be getting negotiated rates...

Offline 4yourinfo

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Feb 2013
  • Posts: 752
  • Total likes: 103
  • DansDeals.com Hat Tips 4
    • View Profile
  • Location: usa
Re: NEW Jewish HealthShare unitedrefuahhs.org
« Reply #77 on: January 16, 2020, 12:18:34 AM »

They strongly discourage getting catastrophic insurance, as you then will get billed insurance rates, while the Healthshare will only share 150% of Medicare allowable for the specified CPT code, so  you will be stuck with the balance after that 100%.
And what happens when you meet any deductibles or max out of pocket and United refuah starts saving money, will they put their money towards the claims on which they refused to pay over the 150% medicare allowance? - it's only right as you only hit the deductible/moop due to the previous claims...

Offline Zalc

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Nov 2014
  • Posts: 1785
  • Total likes: 157
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: USA
Re: NEW Jewish HealthShare unitedrefuahhs.org
« Reply #78 on: January 16, 2020, 07:27:19 AM »
And what happens when you meet any deductibles or max out of pocket and United refuah starts saving money, will they put their money towards the claims on which they refused to pay over the 150% medicare allowance? - it's only right as you only hit the deductible/moop due to the previous claims...
They will not, based on what I've been told.

They currently spend about 16% of all money that comes in, and they also just raised their admin fee to 20%

Offline 4yourinfo

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Feb 2013
  • Posts: 752
  • Total likes: 103
  • DansDeals.com Hat Tips 4
    • View Profile
  • Location: usa
Re: NEW Jewish HealthShare unitedrefuahhs.org
« Reply #79 on: January 16, 2020, 10:27:15 AM »

They currently spend about 16% of all money that comes in, and they also just raised their admin fee to 20%
Are you sure you have the numbers correct? 16% that's all they spend? Insurance companies gotta spend 80% jof premiums just on medical costs how are they only able to spend 16%? Are they paying anyone's bills? The premiums are fraction of what insurance companies charge so how are their expenses only 16%?