Healthcare after employer coverage ends in Cincinnati

A guided way to plan care in Cincinnati

SakeOf is a healthcare membership designed to help you make practical care decisions: use selected direct services for everyday needs, choose a provider when you need in-person care, and get help making sense of medical bills. It gives you several useful next steps without requiring every care decision to begin with a complicated process.

For a non-emergency concern, selected, active telemedicine may be a convenient place to start. For an ongoing relationship, Virtual Primary Care may fit when its required features are active. An exam, test, procedure, or specialist visit may call for contacting an in-person provider directly. In an emergency, seek emergency care.

To get oriented, use the calculator and Savings Guide to explore membership choices. Use provider search to look for care, and ask Jordan for help understanding SakeOf or deciding what to review next.

Use selected everyday-care features

Zero Copay Telemedicine provides access through the current service partner at zero dollars when the feature is selected and active. Rx and Prescription Benefits are an optional feature. Check the active feature details for what applies to a prescription; medication costs or services outside the feature may have separate charges.

Mental Health and Counseling, when selected and active with its required features, includes unlimited on-demand telephone counseling at zero dollars through the current service partner. Members and eligible enrolled dependents can access master's-level counseling professionals 24/7. Up to three face-to-face counseling consultations per incident may be arranged when available through the program. Counseling may also include assessment, follow-up, crisis support, and referrals to appropriate behavioral-health plans or community resources when more care is needed.

Virtual Primary Care has a $15 monthly adjustment. When selected and active with the required features, it provides zero-dollar virtual primary-care access, a dedicated physician relationship, an annual virtual wellness visit, and chronic-care and medication-management follow-up when clinically appropriate for virtual care. It can support continuity for ongoing questions, but an in-person exam, lab, imaging, or specialist appointment may still require a separate visit.

Choose local in-person care when needed

For medical-care appointments in Cincinnati, the city lists six City of Cincinnati Primary Care community health centers. Call 513-357-7320 to ask about appointments and which services are available at a particular center. The city also lists dental services and contacts. Treat the listing as a starting point and confirm current details directly.

Hamilton County Public Health lists clinical services including 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 confirm current services and arrangements. These are city and county resources, respectively, not evidence of appointment access at a specific ZIP code.

For hospital care, UC Health provides a route to request a patient estimate. TriHealth lists financial-assistance information and financial-counseling contacts. Ask the provider about the specific service, expected charges, and any participation requirements that apply to you. A provider estimate can help with planning, but final charges depend on the care and provider. Labs, imaging, follow-up, specialist services, and medications may be separate from a virtual visit or direct service.

Get help reviewing a medical bill

If a bill is confusing or unexpectedly high, SakeOf Full Service advocacy can help verify the bill, review fair pricing, and support negotiation. The process gives you a practical starting point for understanding a charge; it does not promise a reduction or a particular payment outcome.

Keep the itemized bill, including 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 medical-record release to review eligibility, medical necessity, and 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. For planned higher-cost care, contact SakeOf in advance when reasonably possible.

Know how larger eligible needs are handled

For a larger eligible medical event, the applicable member commitment is part of the process, alongside voluntary community funding for eligible events. The event and its documentation are reviewed under program rules; eligibility and funding are not guaranteed. Members are responsible for keeping membership current, funding required asks, paying the applicable commitment, and sending complete documents promptly.

Before scheduled higher-cost care, ask the provider for an estimate and contact SakeOf when reasonably possible. This can help you understand the planned service and share relevant information before bills arrive. Use provider search to explore options, then confirm availability, expected charges, and applicable terms directly with the provider.

Choose features and take your next step

Optional features include maternity care, chiropractic and acupuncture, physical and occupational therapy, durable medical equipment, and dental and vision discounts. Each feature has its own monthly adjustment and program terms. Access or eligibility applies only when the feature is selected, active, and otherwise eligible. Review membership options to compare features with the needs you expect to address.

With dental and vision discounts, members pay participating providers directly at the applicable discounted rate. Discounts vary and are not guaranteed at every provider. Routine dental and vision costs are not community-shared unless another written program term expressly says otherwise. Use provider search and confirm participation, services, and price with the provider.

• Compare options: Use the calculator and Savings Guide to explore membership choices.
• Find care: Use provider search, then confirm availability and expected charges directly.
• Get oriented: Ask Jordan what SakeOf features or information to review next.
• Prepare for a bill: Keep itemized bills and submit requested documents within the applicable timeframes.