Healthcare, for the sake of each other.
SakeOf is a healthcare sharing community built around clear monthly costs, personal choice, and real support when medical needs come up.
Healthcare can be simpler.
Join the community
Choose a SakeOf membership that fits you or your family and see your monthly cost before you join.
Choose your care
See the licensed providers you trust and get help finding quality care at a fair price.
We help when care gets complicated
SakeOf helps you understand bills, navigate costs, and access community support for eligible medical needs.
Healthcare should feel easier to navigate.
Know what to expect, get help making sense of care, and keep the freedom to make decisions that work for you and your family.
Insights & Guides
What SakeOf Covers and Doesn't Cover
SakeOf can help with outpatient services, preventive care, and certain prescriptions. It doesn't cover dental, vision, or elective procedures.
Practical Tips for Reducing Specialist Visit Costs
Discover actionable strategies to lower the cost of specialist care and make healthcare more affordable.
How SakeOf Negotiates Better Prices for Members
SakeOf uses fair pricing benchmarks and provider relationships to help members pay less for healthcare. Here's how the negotiation process works.
Healthcare Sharing vs Health Insurance: Key Differences Explained
Healthcare sharing pools member contributions without guaranteed payment, while health insurance provides legal contracts with predictable coverage. Compare costs, eligibility, and what each actually
How Specialist Visits Work on SakeOf
Understand how to schedule and manage specialist visits as a SakeOf member, including referral requirements, cost considerations, and what to bring to your appointment.
Practical Tips for Budgeting Your New Baby's Healthcare
Learn effective strategies to budget for your new baby's healthcare, manage costs, and prepare for unexpected expenses.
What's eligible
Eligible Expenses Covered
- Preventive screenings and annual wellness
- Physician and hospital services
- Urgent and emergency care
- Ambulance transport
- Testing, diagnostics, and imaging
- Prescriptions, vaccinations, and Rx discounts
- Zero copay counseling services
- Zero copay urgent care telemedicine
- Maternity care
- Physical therapy and occupational therapy
- Chiropractic adjustments
- Acupuncture and integrative therapies
- Durable medical equipment
- Home health services
- Specialist visits: dermatology, orthopedics, cardiology, ENT, and more
Not Eligible Not Covered
- Elective or cosmetic procedures
- Services not medically necessary
- Items outside the Membership Handbook
What could healthcare cost with SakeOf?
Built for people looking for another option.
Individuals
A practical fit for people buying healthcare on their own and looking for a different way to manage costs, everyday care, and major medical needs.
Contractors and gig workers
Keep your independence and your doctor. Take your membership with you from job to job while giving yourself a more predictable way to think about healthcare costs.
Families
Families often come to SakeOf looking for lower monthly costs, clearer choices, and support that makes healthcare feel less overwhelming.
Early retirees (pre-Medicare)
A strong option for people not yet on Medicare who want another path besides paying high premiums for traditional coverage.
Between healthcare plans
Transitioning between jobs, life stages, or coverage options? SakeOf can help you bridge the gap with a more flexible way to manage healthcare costs.
Small employers and groups
Offer a different kind of healthcare option to a small team or group while giving people more visibility into costs and available support.
Real Members, Real Stories
From signup to care in four steps
Choose your membership
Pick the option that fits you.
Create your account
Enroll yourself or your team.
Activate your wallet
Set up your wallet and member card.
Get care
Find care, submit bills, and get support.
FAQs
Is there an application fee?
Yes. A one-time $100 application fee applies and is charged separately. The fee is non-refundable and helps cover onboarding, eligibility checks, medical review, and related administrative costs.
Is there a waiting period for new members?
Yes. New members have a 90-day waiting period before new needs become eligible for community funding. This allows time for verification, onboarding, and contribution stability.
Is SakeOf insurance?
No. SakeOf is a peer-to-peer healthcare community. Members contribute directly to each other’s verified bills based on individual caps and eligibility rules.
Can I keep my doctor?
Yes. See any licensed provider. We’ll help you compare quality and pricing, and we can work with your provider to request fair rates.
Who holds my money?
You do. Your contribution funds stay in your SakeOf wallet and are used to fund verified bills when matched. They are not commingled with subscription revenue.
How are bills verified?
We review submissions for eligibility, medical necessity, and accuracy, and we benchmark pricing. Only verified bills can be matched for funding.
What does “advocacy” include?
Navigation, price checks, repricing and fee negotiation, and provider coordination. We work to secure fair, transparent rates and simpler billing on your behalf.
What do I pay each month?
A subscription for tools and support, plus contributions when matched to a verified bill—up to your Monthly Ask Cap for your plan and household. You may choose to give more.
What is the Monthly Ask Cap?
Your personal limit on requested contributions in any month. It sets your predictable exposure. If you change plans or age tiers, your cap may change accordingly.
How do funding requests work?
Upload bills in the app. We verify and negotiate. You cover your Member Commitment, then the remaining eligible amount is matched to community contributions and sent to your wallet.
How do I pay at checkout?
Use your SakeOf wallet or Visa debit (where accepted) to pay approved, funded expenses at time of service, helping you capture cash pricing.
Are pregnancies eligible?
Pregnancy eligibility, waiting periods, and contribution amounts depend on the membership you select. See the Membership Handbook for details.
What about pre-existing conditions?
Pre-existing conditions may be subject to waiting periods or limits. Refer to state availability and full terms in the Membership Handbook.
What if a bill isn’t fully funded right away?
We continue outreach and matching. Verified bills can also receive additional voluntary support from members who choose to give beyond their cap.
What if a provider won’t accept the card?
You can pay out of pocket and upload the bill for verification and reimbursement through your wallet once funded.
Is SakeOf regulated like insurance?
No. SakeOf is not insurance and does not guarantee payment of medical expenses. It’s a direct, member-to-member contribution model with verification and negotiation.
Are contributions tax-deductible?
Contributions are voluntary and generally not tax-deductible like insurance premiums. Consult your tax advisor for guidance specific to your situation.
Can I use SakeOf with existing insurance?
Yes. Many members use SakeOf to help with out-of-pocket costs, non-covered services, or to access fair cash pricing outside networks.
Where is SakeOf available?
Availability can vary by state. For current availability and rules, see the Membership Handbook.
How fast are bills funded?
Once verified, most eligible bills are funded to your wallet within a few business days, depending on case complexity and matching volume.
What happens if I cancel?
You can cancel anytime. Your wallet reflects finalized transactions; Balance is automatically contributed to pending verified bills until fully exhausted.
Talk to a Guide.
Get help comparing options, understanding membership, and deciding whether SakeOf is the right fit.
Send us a message
A SakeOf Guide will reach out to help with pricing, membership, or next steps.