Healthcare,
for the sake
of each other
Share costs directly, fund fair verified care together, and get real human advocacy every step of the way. No corporate middlemen. No surprises.
How SakeOf Works
SakeOf is a peer-to-peer healthcare community, not insurance. You pay a low monthly subscription, set your personal contribution cap, choose your provider, and receive support when you need it. Every act of care is personal, one member helping another.
Subscribe
Your subscription supports SakeOf's operations, advocacy, and member services, giving you access to care coordination, bill review, and negotiation help when you need it most.
Choose Any Provider
See any licensed provider you trust, or use our tools to find high-quality, cost-effective care options that align with your health and financial goals.
Set Your Monthly Ask Cap
Based on your membership type and household size, your cap defines the most you may be asked to contribute in a given month toward other members' verified bills.
Help and Get Help
Your contribution funds sit safely in your SakeOf wallet. Each month, you may be matched to help fund another member's eligible bill. When you face a health event, the community contributes directly to yours.
Note: SakeOf is a peer-to-peer healthcare program, not insurance. Learn more in our Program Handbook or visit the FAQ.
Insights & Guides
Practical insights to help you navigate healthcare, save money, and get the most from your SakeOf membership.
Safeguarding Your Finances: Catastrophic Protection with SakeOf
Prepare for the unexpected with SakeOf's catastrophic protection feature. Our unique approach helps manage significant healthcare costs, ensuring you're never left in a financial bind due to medical emergencies.
How Direct Pay Healthcare Actually Works
Navigating the world of healthcare can be confusing. In this article, we simplify the concept of direct pay healthcare, explaining how it benefits you and what you can expect from this innovative approach.
How Everyday Care Works on SakeOf
Understanding how everyday care functions within SakeOf can empower you to take control of your health and finances. Here, we break down the simple and effective ways SakeOf supports you in your day-to-day healthcare needs.
Understanding Healthcare for Contractors: A Comprehensive Guide
Navigating healthcare as a contractor can be challenging. In this article, we outline essential insights into healthcare solutions specifically tailored for contractors, ensuring you make informed decisions for your health and finances.
Navigating Healthcare Costs for Entrepreneurs: A Comprehensive Guide
As an entrepreneur, understanding healthcare options is crucial for your well-being and financial health. In this article, we explore various healthcare strategies tailored for business owners, highlighting cost-saving solutions that you may not have considered.
Understanding the Key Differences: Insurance vs. Membership-Based Healthcare
Explore the differences between traditional insurance and membership-based healthcare options like SakeOf, and discover how a membership can reduce costs and enhance your healthcare experience.
What's eligible
Transparent about what's covered and what isn't. No surprises.
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
Build your plan, see your price
Toggle the coverage options your household actually needs. Your estimated monthly total updates live.
Who it's for
Health isn't a transaction, it's a shared act of purpose for the sake of each other. SakeOf is for people who want better care without the corporate middlemen.
Individuals
Join a community that shares healthcare costs directly, transparent, fair, and human. Ideal for those seeking freedom from traditional insurance.
Contractors and gig workers
Keep your independence and your doctor. Take your membership with you from job to job, with predictable monthly caps.
Families
Support each other through everyday care. Transparent funding and advocacy make family healthcare simpler and more affordable.
Early retirees (pre-Medicare)
Stay protected between coverage stages. Affordable, community funded healthcare without corporate oversight or age penalties.
Between healthcare plans
Transitioning between jobs, life stages, or coverage options? SakeOf keeps you connected to affordable, member-backed care during the gaps.
Small employers and groups
Offer your team community-backed care without renewals or surprise hikes. Predictable costs and shared purpose, not paperwork.
Real Members, Real Stories
Get started in minutes
Built for anyone seeking affordable care with better outcomes.
Choose Membership
Pick the option that fits your budget and risk comfort.
Create Account
Enroll yourself or your team, and set your monthly ask cap.
Open Wallet
Activate your SakeOf Wallet and card (where available).
Get Care
Upload bills, get verified, and receive support from the community.
SakeOf is not insurance. Contributions are voluntary and made member-to-member. Eligibility, limits, and review criteria apply. See the Membership Handbook and FAQs.
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
We'll help you compare options, pick a plan, and get fair prices from providers.