Healthcare when you work for yourself in Bedrock

A healthcare membership built around practical next steps

SakeOf gives members a way to arrange everyday care, choose where to seek in-person services, and get help reviewing medical bills. Rather than making a provider network the starting point for every decision, begin with the care you need: check which membership services are active, find a provider for an in-person visit when needed, and use advocacy if a bill calls for closer review.

SakeOf combines healthcare advocacy, fair-price review, direct-service and discount benefits when selected, and voluntary member-to-member community funding for eligible medical expenses. Your available options depend on your selections, active benefits, and the applicable program rules. The calculator and Savings Guide can help you compare membership choices; Jordan can help you understand how a care situation may fit.

Start with everyday care options when they fit

For a common, non-emergency illness or symptom appropriate for a virtual visit, Zero Copay Telemedicine may be a useful first step when active. Provider availability, technology, clinical appropriateness, state law, and prescribing rules apply. A prescription may be issued when clinically appropriate and legally permitted, but its cost follows the active prescription program. A recommended lab, imaging service, specialty visit, procedure, or in-person follow-up is a separate care step.

For continuing primary-care needs, check whether Virtual Primary Care is selected and active, and review its current service details. You can also choose a provider for in-person care; use SakeOf’s provider search to identify participating services and confirm the provider’s location, availability, and details directly.

Mental Health and Counseling may provide problem assessment, supportive counseling, follow-up sessions, crisis support, and referrals when active. Psychiatry, inpatient behavioral health, emergency psychiatric care, neuropsychological testing, residential substance-use treatment, and medication costs are not included merely because counseling is active. Review your current membership details for the services you selected.

Check prescriptions and local in-person care

Prescription benefits are designed primarily for medications commonly prescribed for acute conditions. A listed formulary medication may be available at $0 when it is filled through the participating-pharmacy process and prescribing and dispensing requirements are met. The current formulary and pharmacy tool determine whether a specific medication is included. Non-formulary medications are not automatically $0 or eligible for community sharing, so verify the medication before filling it.

In Montrose, River Valley Family Health Center lists medical, dental, behavioral-health, and pharmacy services at its clinic at 1010 S. Rio Grande. The organization describes sliding-fee discounts for qualifying patients. Ask the clinic to confirm current services, fees, eligibility, hours, and appointment availability. It also lists transportation assistance for its patients through All Points Transit; confirm arrangements with the center.

Montrose Regional Health lists hospital and outpatient services in Montrose. Use its locations and provider directory to identify a site or clinician and confirm availability directly. For hospital care, its price estimator and pricing files can help you ask informed questions, but estimates may exclude professional, testing, or other related charges. Ask what a quote includes and whether separate bills may arrive. The organization also describes financial assistance, payment plans, and financial counselors for billing questions; contact it for current requirements.

Montrose County Public Health, at 1845 S. Townsend Avenue, provides information about county public-health resources. Contact the office to confirm which specific services are available. These are Montrose and county resources, not a guarantee of service availability in ZIP 81411.

Use advocacy when a bill needs a closer look

SakeOf advocacy can help members review a bill, verify charges, assess fair pricing, and seek negotiation support. An itemized bill is required for submissions and should include service dates, provider information, and CPT or HCPCS codes when available. Keep related records together; SakeOf may request clinical notes, medical records, diagnosis or procedure details, billing records, provider documentation, or a signed medical-record release.

Submit complete documents within six months of the service date. Submit a balance bill, denial, or payment demand within 10 days of receiving it. Fair-price review and negotiation support do not promise a particular price or result. If you receive a difficult bill, use the membership support process to confirm what documents are needed and submit them promptly.

Consider Full Service for larger eligible expenses

For larger medical events, Full Service advocacy can include bill verification, fair-price review, and negotiation support. Full Service has an applicable member commitment; your enrollment details and current terms determine the amount. After review, eligible expenses may be considered for voluntary member-to-member community funding, subject to program rules and documentation. Ask SakeOf what requirements and steps apply before relying on a particular expense being eligible.

Other membership options may include maternity, dental and vision discounts, chiropractic or acupuncture, PT/OT, and durable medical equipment. Each option depends on selection, active status, eligibility, and program rules. Chiropractic and acupuncture share an eight-visit annual limit and a combined $240 annual maximum across the enrolled membership. Community sharing for those visits is limited to the lesser of the approved fair-price amount or $30 per eligible visit.

Choose a next step that matches your need

• Compare options: Use the calculator and Savings Guide to review membership choices and your enrollment quote.
• Find a provider: Search for participating services through SakeOf, then confirm location, availability, and details with the provider.
• Check Colorado program resources: Health First Colorado offers statewide provider-finding assistance and member support. Confirm participation and availability through its official resources. ^{www.healthfirstcolorado.gov}
• Ask for help: Contact Jordan with questions about how a care situation may fit your membership options.