<p>We dive into one of the most stressful and expensive parts of American life: healthcare.</p><p><br></p><p>• Why are families paying $48,000 a year just to stay insured?</p><p>• Why does the system feel so broken?</p><p>• Is there another way?</p><p><br></p><p>To help us figure it out, we sat down with Moishe Katz, the CEO of United Refuah Healthshare.</p><p><br></p><p>It’s one of those episodes that makes you say, “Wait… how did I not know about this sooner?”</p><p><br></p><p>👉 Explore all the links & resources in this episode below.</p><p><br></p><p>✬ SPONSORS ✬</p><p><br></p><p>► TWILLORY – Grab year-end deals and bundled savings at https://Twillory.com/KosherMoney - No promo code needed!</p><p><br></p><p>► THE DONOR'S FUND – The Donor’s Fund gives you one place to manage all your giving, with a sleek app and smart tools that make donations strategic and seamless. 🎁 Open your free account today: https://thedonorsfund.org/koshermoney</p><p><br></p><p>► BITBEAN – Turn your big ideas into custom software that scales. BitBean builds tools that make business smarter. Learn more: bitbean.link/4edg53</p><p><br></p><p>► COLEL CHABAD – Supporting families in Israel since 1788. Give today and make a real difference: https://ColelChabad.org/KosherMoney - Oh, and grab tickets for the Nafshi concert here: https://colelchabad.events/</p><p><br></p><p>✬ LINKS FROM EPISODE 103 ✬</p><p><br></p><p>United Refuah’s website: https://unitedrefuahhs.org/</p><p><br></p><p>Email: info@unitedrefuahhs.org</p><p><br></p><p>For doctors interested in being added to United Refuah’s preferred provider network: preferred@unitedrefuah.org</p><p><br></p><p>Eli referenced a video of a Dr. Potter: https://youtu.be/tsvAatLY5s4</p><p><br></p><p>CHAPTERS:</p><p>00:00 Intro</p><p>01:01 Americans Are Spending So Much on Health Insurance</p><p>01:48 The Stats</p><p>02:43 Health Insurance Costs</p><p>04:06 What a Health Share Is</p><p>05:16 Why United Refuah Started</p><p>10:06 How the Health Share Model Works</p><p>15:30 Making Sure Everyone Gets Care</p><p>17:32 Self Pay vs Insurance</p><p>19:40 Understanding the Costs</p><p>20:20 Its Many Members</p><p>20:50 What Happens When More People Join</p><p>23:15 Twillory</p><p>24:28 The Donors’ Fund</p><p>26:48 Incentives for Bringing in New Members</p><p>29:05 Increasing Staffing at United Refuah</p><p>29:45 What Is the Catch?</p><p>32:46 Preexisting Conditions and Family Members</p><p>34:17 Other Downsides of Healthshares</p><p>37:19 Keeping Track of Payments</p><p>39:28 Communicating with Providor</p><p>42:18 Typical Out of Pocket Costs</p><p>45:35 Determining Fair Prices</p><p>46:35 How to Protect Yourself From Overpaying</p><p>48:28 BitBean Uses AI to Help Your Business</p><p>49:16 Colel Chabad Helps Feed Thousands</p><p>51:14 Are Contributions Tax Deductible</p><p>52:10 Health Shares and Medication Costs</p><p>55:02 Pregnancy and Growing Families</p><p>58:10 Dental and Vision Sharing</p><p>01:00:30 Doctors Joining the Referred Provider Network</p><p>01:00:41 Surveying the Members</p><p>01:01:40 Gifting Memberships</p><p>01:02:08 Know Your Plan and Deductibles</p><p>01:07:47 Never Be Afraid to Ask for Discounts</p><p>01:10:10 Member Access to Telehealth</p><p>01:10:35 Reaching Out for Medications</p><p>01:11:04 Where CPAP Machines Fall</p><p>01:12:00 How United Refuah Compares to Other Healthshares</p><p>01:14:12 “We’re All In This Together”</p><p>01:15:24 Sharing Health Messages With Members</p><p>01:16:56 Making Sure Everything Is Legal</p><p>01:18:17 Dealing With Emergencies</p><p>01:19:46 Reaching Out to United Refuah</p><p>01:20:23 How R’ Katz Got Into Health Care</p><p>01:22:22 Changing Your Mindset About Others’ Medical Costs</p><p>01:23:43 Outro</p><p><br></p><p>✬ RESOURCES ✬</p><p><br></p><p>Finally! Kosher Debt Help offers people honest, agenda-free guidance for Jewish families struggling with debt. Get an assessment and personalized direction at ⁠https://www.kosherdebthelp.com⁠</p><p><br></p><p>Get a free Jewish financial coach from the OU: ⁠https://livingsmarterjewish.org/⁠</p><p><br></p><p>Kosher ADHD helps Jewish families and educators better understand and thrive with ADHD through practical guidance and compassionate support. Visit https://kosher-adhd.com⁠ or order their book at ⁠https://kodeshpress.com⁠ using code ADHD25 for 25% off.</p><p><br></p><p>New website: ⁠https://www.livinglchaim.com/⁠</p><p><br></p><p>Support Kosher Money: ⁠https://www.livinglchaim.com/donate⁠</p><p><br></p><p>Reminder: This episode or description is not financial advice. Always do your own research. </p><p><br></p><p>#KosherMoney #LivingLchaim #KM</p>

Kosher Money

Living Lchaim

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

NOV 26, 202596 MIN
Kosher Money

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

NOV 26, 202596 MIN

Description

<p>We dive into one of the most stressful and expensive parts of American life: healthcare.</p><p><br></p><p>• Why are families paying $48,000 a year just to stay insured?</p><p>• Why does the system feel so broken?</p><p>• Is there another way?</p><p><br></p><p>To help us figure it out, we sat down with Moishe Katz, the CEO of United Refuah Healthshare.</p><p><br></p><p>It’s one of those episodes that makes you say, “Wait… how did I not know about this sooner?”</p><p><br></p><p>👉 Explore all the links & resources in this episode below.</p><p><br></p><p>✬ SPONSORS ✬</p><p><br></p><p>► TWILLORY – Grab year-end deals and bundled savings at https://Twillory.com/KosherMoney - No promo code needed!</p><p><br></p><p>► THE DONOR'S FUND – The Donor’s Fund gives you one place to manage all your giving, with a sleek app and smart tools that make donations strategic and seamless. 🎁 Open your free account today: https://thedonorsfund.org/koshermoney</p><p><br></p><p>► BITBEAN – Turn your big ideas into custom software that scales. BitBean builds tools that make business smarter. Learn more: bitbean.link/4edg53</p><p><br></p><p>► COLEL CHABAD – Supporting families in Israel since 1788. Give today and make a real difference: https://ColelChabad.org/KosherMoney - Oh, and grab tickets for the Nafshi concert here: https://colelchabad.events/</p><p><br></p><p>✬ LINKS FROM EPISODE 103 ✬</p><p><br></p><p>United Refuah’s website: https://unitedrefuahhs.org/</p><p><br></p><p>Email: [email protected]</p><p><br></p><p>For doctors interested in being added to United Refuah’s preferred provider network: [email protected]</p><p><br></p><p>Eli referenced a video of a Dr. Potter: https://youtu.be/tsvAatLY5s4</p><p><br></p><p>CHAPTERS:</p><p>00:00 Intro</p><p>01:01 Americans Are Spending So Much on Health Insurance</p><p>01:48 The Stats</p><p>02:43 Health Insurance Costs</p><p>04:06 What a Health Share Is</p><p>05:16 Why United Refuah Started</p><p>10:06 How the Health Share Model Works</p><p>15:30 Making Sure Everyone Gets Care</p><p>17:32 Self Pay vs Insurance</p><p>19:40 Understanding the Costs</p><p>20:20 Its Many Members</p><p>20:50 What Happens When More People Join</p><p>23:15 Twillory</p><p>24:28 The Donors’ Fund</p><p>26:48 Incentives for Bringing in New Members</p><p>29:05 Increasing Staffing at United Refuah</p><p>29:45 What Is the Catch?</p><p>32:46 Preexisting Conditions and Family Members</p><p>34:17 Other Downsides of Healthshares</p><p>37:19 Keeping Track of Payments</p><p>39:28 Communicating with Providor</p><p>42:18 Typical Out of Pocket Costs</p><p>45:35 Determining Fair Prices</p><p>46:35 How to Protect Yourself From Overpaying</p><p>48:28 BitBean Uses AI to Help Your Business</p><p>49:16 Colel Chabad Helps Feed Thousands</p><p>51:14 Are Contributions Tax Deductible</p><p>52:10 Health Shares and Medication Costs</p><p>55:02 Pregnancy and Growing Families</p><p>58:10 Dental and Vision Sharing</p><p>01:00:30 Doctors Joining the Referred Provider Network</p><p>01:00:41 Surveying the Members</p><p>01:01:40 Gifting Memberships</p><p>01:02:08 Know Your Plan and Deductibles</p><p>01:07:47 Never Be Afraid to Ask for Discounts</p><p>01:10:10 Member Access to Telehealth</p><p>01:10:35 Reaching Out for Medications</p><p>01:11:04 Where CPAP Machines Fall</p><p>01:12:00 How United Refuah Compares to Other Healthshares</p><p>01:14:12 “We’re All In This Together”</p><p>01:15:24 Sharing Health Messages With Members</p><p>01:16:56 Making Sure Everything Is Legal</p><p>01:18:17 Dealing With Emergencies</p><p>01:19:46 Reaching Out to United Refuah</p><p>01:20:23 How R’ Katz Got Into Health Care</p><p>01:22:22 Changing Your Mindset About Others’ Medical Costs</p><p>01:23:43 Outro</p><p><br></p><p>✬ RESOURCES ✬</p><p><br></p><p>Finally! Kosher Debt Help offers people honest, agenda-free guidance for Jewish families struggling with debt. Get an assessment and personalized direction at ⁠https://www.kosherdebthelp.com⁠</p><p><br></p><p>Get a free Jewish financial coach from the OU: ⁠https://livingsmarterjewish.org/⁠</p><p><br></p><p>Kosher ADHD helps Jewish families and educators better understand and thrive with ADHD through practical guidance and compassionate support. Visit https://kosher-adhd.com⁠ or order their book at ⁠https://kodeshpress.com⁠ using code ADHD25 for 25% off.</p><p><br></p><p>New website: ⁠https://www.livinglchaim.com/⁠</p><p><br></p><p>Support Kosher Money: ⁠https://www.livinglchaim.com/donate⁠</p><p><br></p><p>Reminder: This episode or description is not financial advice. Always do your own research. </p><p><br></p><p>#KosherMoney #LivingLchaim #KM</p>