Healthcare after employer coverage ends in Cincinnati

A more coordinated way to approach care

SakeOf is a healthcare membership designed to help members organize practical care and understand healthcare expenses. Rather than starting every decision with a traditional insurance-first process, you can consider direct everyday-care services, choose a provider when in-person care is needed, and seek advocacy when a bill needs review.

The right next step depends on your need: a routine concern, prescription, ongoing primary care, local appointment, or large bill. Use the calculator to explore membership options and monthly adjustments. The Savings Guide can help you compare features, and provider search can help you identify places to contact.

Use everyday-care services when they fit

Zero Copay Telemedicine is a direct-service option when selected and active, and can be a convenient starting point for concerns appropriate for virtual care. Rx and Prescription Benefits are optional; check the applicable feature details for information about prescription arrangements and availability.

Mental Health and Counseling, when selected and active with its required features, includes unlimited on-demand telephone counseling at no member cost and 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. Counseling may include initial support and follow-up; other behavioral-health services may call for a different care route.

Virtual Primary Care offers a dedicated physician relationship, ongoing virtual follow-up, an annual virtual wellness visit, and chronic-care or medication-management support when clinically appropriate for virtual care. It has a $15 monthly adjustment and requires Rx and Prescription Benefits, Zero Copay Telemedicine, and Mental Health and Counseling to remain active for the bundled service tier. Choose in-person care when your needs call for an examination, testing, or another service that cannot be handled virtually.

Choose in-person care around Cincinnati

For an appointment, first identify the service you need, then contact a provider to ask about availability, appointment access, and expected charges. Labs, imaging, specialist visits, and hospital services may involve separate expenses. Request an estimate for planned care when possible and confirm current participation and costs with the provider and the relevant payment source.

The Cincinnati Health Department lists six City of Cincinnati Primary Care community health centers offering medical care and gives 513-357-7320 for appointment information. The department also lists dental services. Call to ask which center provides the service you need and confirm current arrangements. ^{www.summahealth.org}

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 clinical-services clinic is at 5050 Section Avenue, Cincinnati, OH 45212; call 513-946-7610 to confirm current services and arrangements. This is a county resource, not a service guarantee for a particular ZIP code. ^{my.clevelandclinic.org}

For other care, UC Health and TriHealth list Cincinnati locations. Listings are useful starting points; contact the provider to confirm the specific service, access, participation, and price. Medicare Care Compare is a federal tool for finding and comparing Medicare-approved providers, not a quote of individual costs. ^{www.summahealth.org}

Get help when a bill needs review

Full Service advocacy can support bill verification, fair-price review, and negotiation. Start by gathering an itemized bill with service dates, provider information, and CPT or HCPCS codes when available. SakeOf may request clinical notes, medical records, billing details, or a signed release to review eligibility, medical necessity, or pricing.

Submit complete requested documents within six months of the service date. Send a balance bill, denial, or payment demand within 10 days of receiving it. Keep copies and respond promptly to requests. For planned higher-cost care, contact SakeOf in advance when reasonably possible.

Providers may have their own cost-support processes. UC Health provides patient pricing information and a route to request an estimate. TriHealth describes financial assistance and financial counseling; contact TriHealth directly about current requirements and eligibility. ^{my.clevelandclinic.org}

Plan for larger eligible medical needs

For a larger eligible medical event, SakeOf’s process involves the applicable member commitment, review of submitted bills and records, and voluntary community funding for eligible expenses under program rules. Members are responsible for keeping membership active, funding required asks, paying the applicable member commitment or feature-specific responsibility, and submitting complete documents promptly. Eligibility and funding depend on the program rules and review; no particular amount or outcome is guaranteed.

Pre-existing-condition review may consider an illness, injury, symptom, diagnosis, or treatment that existed or was known—or for which advice, diagnosis, or care was recommended or received—during the 24 months before membership began. A formal diagnosis is not required for a symptom to be considered. Final decisions depend on documentation, clinical review, and the Program Guide. Ask SakeOf about your situation before making plans for scheduled care.

Choose optional features and take a next step

Optional features include Maternity Care, chiropractic and acupuncture, physical and occupational therapy, and durable medical equipment. Each has its own monthly adjustment and applies when selected, active, eligible, and handled under program rules. Dental and Vision Discounts is a separate optional feature: members pay participating providers directly at applicable discounted rates. Discounts vary and are not guaranteed at every provider.

• Use the calculator to explore membership options and monthly adjustments.
• Review the Savings Guide to compare everyday-care and optional features.
• Use provider search, then contact providers to confirm services, access, and expected charges.
• Ask Jordan how a SakeOf care path may work for your situation.
• For City of Cincinnati Primary Care appointment information, call 513-357-7320 and ask which center offers the service you need. ^{www.summahealth.org}