Healthcare when you work for yourself in Cincinnati

Start with the care you need

SakeOf is a healthcare membership and a smarter alternative to the traditional insurance-first way of paying for and navigating healthcare. The practical starting point is your immediate need: a new symptom, a routine follow-up, a prescription question, counseling, or an in-person service. From there, use the membership options that are selected, active, and applicable to your situation.

For a straightforward concern, selected Zero Copay Telemedicine can provide virtual access. If you want an ongoing virtual primary-care relationship, Virtual Primary Care includes a dedicated physician relationship, an annual virtual wellness visit, health-risk assessment, and chronic-care and medication-management support when clinically appropriate. It has specific active-feature prerequisites, so check your membership details before relying on that service.

Virtual care is not the right route for every need. A clinician may recommend an in-person examination, lab, imaging, specialist visit, or other service; those are separate care decisions, and related charges may remain separate. For an emergency, seek emergency care rather than following a routine membership workflow.

Build an everyday-care rhythm

When selected and active, Zero Copay Telemedicine offers virtual visits through the current service partner. Rx and Prescription Benefits are a separate optional feature. Check the program information and the pharmacy’s terms for a particular medication: medication costs, formulary status, and whether a prescription is appropriate are not established simply by having virtual access.

Mental Health and Counseling, when active with its required features, includes unlimited telephonic counseling on demand at $0, with 24/7 access to master’s-level counseling professionals for the member and eligible enrolled dependents. Up to three face-to-face counseling consultations per incident may be arranged when available through the program. If more care is needed, counseling can include referral to appropriate plans or community resources. Psychiatry, inpatient behavioral health, emergency psychiatric care, residential substance-use treatment, and medication costs are not automatically part of the counseling feature.

For recurring primary-care needs, Virtual Primary Care may support ongoing virtual follow-up and chronic-care or medication-management support when clinically appropriate. The feature is listed at an additional $15 per month and requires Rx and Prescription Benefits, Zero Copay Telemedicine, and Mental Health and Counseling to remain active. Review current membership options and feature requirements before enrolling or changing features.

Choose in-person care around Cincinnati

When you need a physical exam, lab, imaging, specialist, or hospital service, choose a provider that fits the type and location of care you need. Cincinnati Health Department City of Cincinnati Primary Care operates community medical centers and lists dental services; call 513-357-7320 to ask about appointments, the right center, and available services. Appointment access and service arrangements should be confirmed directly.

For specific county clinic needs, Hamilton County Public Health lists STI/HIV testing and treatment, tuberculosis services, and support for eligible families through the Children with Medical Handicaps program. Its clinic is at 5050 Section Avenue, Cincinnati, OH 45212; call 513-946-7610 to verify current services, arrangements, and any fees before visiting.

UC Health and TriHealth list Cincinnati-area hospital and other care locations. A listing does not establish appointment access, participation in a particular arrangement, or an individual price. Before scheduled care, ask the provider about availability and expected charges. Labs, imaging, in-person follow-up, specialist fees, and non-formulary medications can involve expenses separate from a virtual service or other membership feature.

If you use Medicare, Care Compare is a federal tool for finding and comparing Medicare-approved providers; follow up with the provider to confirm availability and individual costs. Ohio Medicaid provides state benefit and provider-directory information, with application routes through Ohio Benefits and county offices. These statewide tools can help with their respective programs, but do not confirm access or costs for a specific appointment.

Use advocacy when a bill needs a closer look

When a bill is unclear or seems high, Full Service advocacy can help with bill verification, fair-price review, and negotiation support. Gather the itemized bill and ask for help understanding the charges and next steps. For submissions, an itemized bill should include service dates, provider information, and CPT or HCPCS codes when available.

SakeOf may also request medical records, clinical notes, diagnosis or procedure details, provider documentation, billing records, or a signed release to review eligibility, medical necessity, and fair pricing. Submit complete documents within six months of the service date. If you receive a balance bill, denial, or payment demand, submit it within 10 days of receiving it. Keep your membership current and follow the applicable member responsibilities.

For hospital care, request a service-specific estimate directly from the provider when possible. TriHealth lists financial assistance and financial-counseling options; contact TriHealth to confirm current requirements and eligibility. A hospital estimate or assistance application is not a final determination of what an individual will owe.

Plan for larger eligible medical events

For a larger eligible event, contact SakeOf in advance when the care is planned and reasonably possible. Full Service support may help verify bills, review pricing, and support negotiation. Eligible events may involve an applicable member commitment and voluntary community funding, subject to program rules and the details of the event. These steps do not guarantee eligibility, funding, or a particular result.

Keep records organized: itemized bills, service dates, provider details, and relevant clinical documentation. Respond promptly to requests and keep family or dependent information current. For symptoms or treatment that existed, were known, or had recommended or received medical advice, diagnosis, or care during the 24 months before membership began, pre-existing-condition review may apply; final determinations depend on documentation, clinical review, and the Program Guide.

Choose options that match your care plans

Optional features can address needs beyond everyday virtual care. Maternity Care is listed at an additional $18 per month. Chiropractic and Acupuncture is $14 per month; Physical and Occupational Therapy is $11; Durable Medical Equipment is $7. Each applies only when selected, active, eligible, and otherwise subject to program rules.

Dental and Vision Discounts is listed at $9 per month. Members pay participating providers directly at the applicable discounted rate; actual discounts vary and are not guaranteed at every provider. Routine dental and vision services are not community sharing of routine bills. Check participating-provider arrangements and costs before booking.

Turning a feature off ends the services, discounts, direct-service access, or sharing eligibility tied to it under the applicable change rules. Turning it back on later does not make an inactive period retroactively eligible. Compare the features with your likely care needs before making a change.

Take a useful next step

• Estimate your membership options: Use the calculator to explore the features that fit your care priorities.
• Understand the model: Review the Savings Guide for an explanation of how membership features and larger eligible events work.
• Find a provider: Use provider search, then contact the provider to confirm services, availability, participation, and expected charges.
• Ask a question: Talk with Jordan about how to get started or which membership option to review.
• Need Cincinnati city-clinic appointments? Call 513-357-7320 and ask which center and services fit your need.