Healthcare when you work for yourself in Cincinnati

Start with the care you need

SakeOf is a healthcare membership designed to make care easier to arrange and healthcare costs easier to understand. Instead of beginning with an insurance-first search, members can explore direct services for everyday needs, choose a local provider for in-person care, and turn to Full Service advocacy for help reviewing eligible medical bills. The right starting point depends on the care you need and the features active in your membership.

Use the SakeOf calculator to compare membership options, then review the Savings Guide or ask Jordan to help you understand your choices. For local care, provider search can help you identify a place to contact; call the provider to ask about the specific service, availability, and expected charges.

Use everyday services that fit your needs

When a common health question is suited to a remote conversation, Zero Copay Telemedicine provides an accessible first step when the feature is selected and active. It can help you discuss a concern and consider what follow-up to arrange. Check your active features and use the SakeOf member pathway to get started.

Rx and Prescription Benefits is an optional feature. When active, it provides prescription benefits according to program terms. Check the benefit details for a particular medication and its expected pharmacy cost before filling or changing a prescription.

Mental Health and Counseling, when active with its required features, includes unlimited on-demand telephonic counseling at no member cost and 24/7 access to master’s-level counseling professionals for members and eligible enrolled dependents. Up to three face-to-face counseling consultations per incident may be arranged when available through the program. Counseling can also help with an initial problem assessment, follow-up support, crisis support, and referrals to appropriate behavioral-health plans or local community resources when more care is needed.

Virtual Primary Care adds 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 costs an additional $15 per month and requires active Rx and Prescription Benefits, Zero Copay Telemedicine, and Mental Health and Counseling. Use it for ongoing virtual primary-care support, and arrange in-person services such as examinations, labs, imaging, or specialist visits separately when needed.

Choose Cincinnati care for in-person services

The Cincinnati Health Department lists six city-operated community health centers offering medical care, along with dental services. Call 513-357-7320 for appointment information and ask which center offers the service you need. This is a useful citywide starting point for primary or dental care; confirm appointment access and arrangements directly with the department.

Hamilton County Public Health offers clinical services at its county clinic, including STI/HIV testing and treatment, tuberculosis services, and support for eligible families through the Children with Medical Handicaps program. The clinic is at 5050 Section Avenue, Cincinnati, OH 45212; call 513-946-7610 to ask about current services, eligibility, and arrangements.

UC Health and TriHealth list hospital and other care locations in Cincinnati. For planned care, contact the provider about the service, current availability, and expected charges. UC Health provides a route to request a price estimate, while TriHealth lists financial assistance and financial-counseling options. An estimate and assistance information can help you plan; ask the provider directly about what applies to your situation.

Get help making sense of a medical bill

Full Service advocacy can help members with bill verification, fair-price review, and negotiation support under program rules. To begin, gather an itemized bill with service dates, provider information, and CPT or HCPCS codes when available. SakeOf may also request medical records, clinical notes, billing records, or other documentation to review eligibility, medical necessity, and pricing.

Submit complete documents within six months of the service date. Send a balance bill, denial, or payment demand within 10 days of receiving it. Keep your membership current, fund required asks, and pay the applicable member commitment or feature-specific responsibility. For planned higher-cost care, contact SakeOf in advance when reasonably possible and keep provider estimates and communications together.

Plan for larger eligible medical events

For a larger eligible event, SakeOf can review bills and supporting documents, assess fair pricing, and provide negotiation support. Voluntary community funding may be available for larger eligible events under program rules. The applicable member commitment and other membership responsibilities are part of the process, so contact SakeOf about planned care when reasonably possible and ask how to prepare.

To take a useful next step, request an estimate from the provider when available, save itemized bills and service records, and share relevant documents with SakeOf for review. These steps help you understand the expected process and give the advocacy team information to work with.

Choose optional features for household needs

Members can explore additional options based on the care their household uses. Maternity Care is an optional feature. Dental and Vision Discounts provide access to participating-provider discounts when selected and active; members pay providers directly, and discounts vary by provider and service. Routine dental and vision bills are not community-shared through this discount feature.

Chiropractic and Acupuncture, Physical and Occupational Therapy, and Durable Medical Equipment are also optional features, each with its own program terms and monthly adjustment. Review the relevant feature details before arranging care or equipment, and check with the provider about availability and the amount you will pay. Use the calculator and Savings Guide to compare options, or ask Jordan to help you find a next step.