Medical Necessity and Insurer Pressure

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.

It’s one of those episodes that makes you say, “Wait… how did I not know about this sooner?”

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

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