The Healthcare Secret Jewish Families are Using to Save $30,000 PER YEAR

Kosher Money is the bi-weekly podcast from Living Lchaim, hosted by Eli Langer.

We dive into one of the most stressful and expensive parts of American life: healthcare.

• Why are families paying $48,000 a year just to stay insured? • Why does the system feel so broken? • Is there another way?

To help us figure it out, we sat down with Moishe Katz, the CEO of United Refuah Healthshare.

👉 Explore all the links & resources in this episode below.

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✬ LINKS FROM EPISODE 103 ✬

United Refuah’s website: https://unitedrefuahhs.org/

Email: info@unitedrefuahhs.org

For doctors interested in being added to United Refuah’s preferred provider network: preferred@unitedrefuah.org

Eli referenced a video of a Dr. Potter: https://youtu.be/tsvAatLY5s4

CHAPTERS:

00:00 Intro

01:01 Americans Are Spending So Much on Health Insurance

01:48 The Stats

02:43 Health Insurance Costs

04:06 What a Health Share Is

05:16 Why United Refuah Started

10:06 How the Health Share Model Works

15:30 Making Sure Everyone Gets Care

17:32 Self Pay vs Insurance

19:40 Understanding the Costs

20:20 Its Many Members

20:50 What Happens When More People Join

23:15 Twillory

24:28 The Donors’ Fund

26:48 Incentives for Bringing in New Members

29:05 Increasing Staffing at United Refuah

29:45 What Is the Catch?

32:46 Preexisting Conditions and Family Members

34:17 Other Downsides of Healthshares

37:19 Keeping Track of Payments

39:28 Communicating with Providor

42:18 Typical Out of Pocket Costs

45:35 Determining Fair Prices

46:35 How to Protect Yourself From Overpaying

48:28 BitBean Uses AI to Help Your Business

49:16 Colel Chabad Helps Feed Thousands

51:14 Are Contributions Tax Deductible

52:10 Health Shares and Medication Costs

55:02 Pregnancy and Growing Families

58:10 Dental and Vision Sharing

01:00:30 Doctors Joining the Referred Provider Network

01:00:41 Surveying the Members

01:01:40 Gifting Memberships

01:02:08 Know Your Plan and Deductibles

01:07:47 Never Be Afraid to Ask for Discounts

01:10:10 Member Access to Telehealth

01:10:35 Reaching Out for Medications

01:11:04 Where CPAP Machines Fall

01:12:00 How United Refuah Compares to Other Healthshares

01:14:12 “We’re All In This Together”

01:15:24 Sharing Health Messages With Members

01:16:56 Making Sure Everything Is Legal

01:18:17 Dealing With Emergencies

01:19:46 Reaching Out to United Refuah

01:20:23 How R’ Katz Got Into Health Care

01:22:22 Changing Your Mindset About Others’ Medical Costs

01:23:43 Outro

✬ RESOURCES ✬

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New website: ⁠https://www.livinglchaim.com/⁠

Support Kosher Money: ⁠https://www.livinglchaim.com/donate⁠

Reminder: This episode or description is not financial advice. Always do your own research.

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