Medi-Share vs United Refuah HealthShare
Complete head-to-head comparison of features, costs, coverage, and ratings to help you choose the right health share plan.
| Feature | Medi-Share | United Refuah HealthShare |
|---|---|---|
| Monthly Cost | $65–$1079/mo | $219–$519/mo |
| Initial Unshareable Amount | $1,750–$10,500 | $2,000–$8,500 |
| Network Type | PPO Network | No Network |
| Faith Requirement | ✅ Yes | ✅ Yes |
| Overall Rating | ||
| Maternity Coverage | ✅ | ✅ |
| Mental Health | ❌ | ✅ |
| Telemedicine | ✅ | ❌ |
| Preventive Care | ✅ | ❌ |
| Member Count | 350,000+ | 1,000+ |
| Year Founded | 1993 | 2018 |
Medi-Share
✅ Pros
- Large established community with 350K+ members
- Strong PPO network for negotiated rates
- User-friendly online portal and app
- Includes telemedicine and preventive care
❌ Cons
- Christian faith requirement limits eligibility
- 36-month pre-existing condition waiting period
- Higher monthly costs for older members
- Mental health coverage is very limited
🎯 Best For
- Families
- Large Groups
- Those Who Want Structure
United Refuah HealthShare
✅ Pros
- First and only Jewish health sharing organization
- No network restrictions - use any provider or facility
- Exceptionally fast customer service (37-second hold time)
- Quick claims processing (5-7 days)
- Up to $1 million sharing per incident
- Strong focus on community and shared values
❌ Cons
- Jewish membership requirement limits eligibility
- 60-day limited sharing period for new members ($25K max)
- Pre-existing condition restrictions (24-month waiting period)
- Limited prescription coverage (not for routine maintenance meds)
- Not traditional insurance - no guarantee of payment
- Limited preventive care coverage
🎯 Best For
- Jewish Community
- Families Seeking Flexibility
- Those Who Value Fast Service
- People Who Want Provider Choice
The Verdict
Choose Medi-Share if...
- You want the most affordable option (starts at $65/mo)
- You value telemedicine access
Choose United Refuah HealthShare if...
- You need mental health coverage
Want more detail? Read our full reviews: Medi-Share Review · United Refuah HealthShare Review
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