Healthcare when you work for yourself in Aurora

Put practical care and support within reach

SakeOf is a healthcare membership built around practical access, provider choice, help reviewing healthcare costs, and support navigating care. Instead of making a billing process the first step, members can begin with the care they need, use the features they have selected and activated, and ask for help understanding a bill or a larger eligible expense.

Think about the next decision in front of you. A concern that can be assessed remotely may suit a virtual visit. Ongoing routine needs may fit Virtual Primary Care. A physical exam, test, specialist visit, or hospital service calls for local in-person care and a clear estimate of what the visit may cost. The calculator and Savings Guide can help you explore membership options before choosing what fits your household.

Use everyday-care options when they fit

When Zero Copay Telemedicine is selected and active, a clinician can assess a concern suitable for a remote visit and advise on next steps. If the concern calls for an examination, test, or follow-up in person, you can choose a local provider and arrange that care directly. Virtual Primary Care, when selected and active, offers a way to establish an ongoing virtual primary-care connection; some needs still call for a local examination, lab, or specialist.

Prescription benefits are designed primarily for medications commonly prescribed for acute conditions. A listed medication may be available at $0 when the participating-pharmacy process and prescribing and dispensing requirements are met. Check the current pharmacy tool before filling a prescription, because the formulary and participating-pharmacy rules can change. Non-formulary medications are not automatically $0 or eligible for community funding. Chronic-maintenance, specialty, and other medications depend on an expressly active program.

When the Mental Health and Counseling feature is active, it may provide immediate problem assessment, supportive counseling, follow-up with the original counselor when available, crisis support, and referrals to other resources when more care is needed. Psychiatry, inpatient behavioral health, emergency psychiatric care, and medication costs are separate unless another active program expressly includes them.

Choose local in-person care and check the details

Members can choose providers. For an examination, test, specialist appointment, or hospital service, contact the provider to confirm the service, clinician, appointment availability, and any separate charges before scheduling.

Aurora’s Anschutz Medical Campus includes UCHealth University of Colorado Hospital and Children’s Hospital Colorado. The hospitals publish separate location and patient-cost information. UCHealth University of Colorado Hospital is at 12605 E. 16th Avenue in Aurora and describes a broad range of inpatient and outpatient care. Contact the facility to verify a specific service or appointment.

Arapahoe County Public Health lists Aurora locations at Altura Plaza, 15400 E. 14th Place, and Aurora South, 15192 E. Hampden Ave. County programs include prevention, testing, immunization, nutrition, WIC, and family support, but services vary by site. Contact the county before visiting to check current services, appointment requirements, eligibility, and fees.

When comparing hospital estimates, ask whether the quoted amount includes professional fees as well as facility charges and whether other services could be billed separately. Colorado’s statewide hospital-price tool supports comparisons at participating facilities; confirm directly what each estimate includes. ^{hcpf.colorado.gov}

Bring a confusing bill to advocacy

If a charge looks unexpected, Full Service advocacy can help members review billing details, assess a fair price, and seek negotiation support. This can be useful when a bill includes separate facility and professional charges or when you want help understanding the documents and next steps.

An itemized bill is required for a submission. It should include service dates, provider information, and CPT or HCPCS codes when available. SakeOf may also request medical records, clinical notes, provider documentation, billing records, or a signed release to review eligibility, medical necessity, or fair pricing. Submit complete documents within six months of the service date. Submit balance bills, denials, or payment demands within 10 days of receiving them.

Health First Colorado is a statewide resource for provider-search assistance and member support with provider-finding, benefits, bills, and pharmacy questions. Confirm provider participation and appointment availability directly. ^{www.healthfirstcolorado.gov}

Understand help for larger eligible medical events

For a larger eligible medical expense, SakeOf combines advocacy and fair-price review with voluntary member-to-member community funding. An applicable member commitment may apply; the amount and rules depend on the membership and program terms. Eligibility and any community funding are determined under those rules and are not guaranteed.

Keep estimates, bills, and supporting records together, and contact SakeOf promptly when a significant expense arises. Early contact can help you understand what documentation to gather and how to submit it. Use the calculator or Savings Guide to explore options, or ask Jordan how membership works.

Consider household, maternity, and recovery needs

Depending on selected active options, members may also have access to dental and vision discounts, chiropractic or acupuncture, physical or occupational therapy, and durable medical equipment. Potentially eligible equipment may include medically necessary walkers, crutches, wheelchairs, prescribed braces, hospital beds, nebulizers, or CPAP machines ordered by a qualified provider. Program terms determine which services or expenses may be eligible.

Maternity has a continuous 12-month waiting period: pregnancy must begin after that period is complete. Adding or restoring the maternity feature after conception does not make that pregnancy eligible. A newborn should be added to membership within 30 days of birth. Review the applicable membership terms and contact SakeOf when planning around maternity support.