Healthcare after employer coverage ends in Cincinnati

A practical way to organize everyday care

SakeOf is a healthcare membership for arranging everyday-care services, choosing providers when you need in-person care, and getting help understanding medical bills. Instead of starting with a complicated billing process, start with the care question in front of you: whether a virtual visit may fit, whether you need a local appointment, or whether you need help reviewing a bill. Your available services depend on the features selected and active in your membership.

Zero Copay Telemedicine is a direct-service option with an $8 monthly adjustment. It may be a useful first step for a health question that can be handled remotely. A clinician may still recommend an in-person visit, lab, imaging, or specialist. For planned care, ask the provider what service is needed and what it may cost.

Build ongoing care around the options you use

Virtual Primary Care adds $0 virtual primary-care access through the current service partner, a dedicated physician relationship, an annual virtual wellness visit, a health-risk assessment, and follow-up for chronic care or medication management when appropriate for virtual care. Its monthly adjustment is $15. The feature requires Rx and Prescription Benefits, Zero Copay Telemedicine, and Mental Health and Counseling to remain active.

Rx and Prescription Benefits has a $10 monthly adjustment. Check whether the particular medication and pharmacy arrangements apply to your active feature before relying on them; medication costs and services depend on program terms.

Mental Health and Counseling has a $6 monthly adjustment. It includes unlimited on-demand telephonic counseling at $0 through the current service partner, with 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. Counseling can include problem assessment, supportive counseling, and referrals when more care is needed. Psychiatry, inpatient behavioral health, emergency psychiatric care, and medication costs are not automatically included.

Find Cincinnati care for an in-person need

Cincinnati Health Department’s City of Cincinnati Primary Care operates community health centers and lists dental services. Call 513-357-7320 to ask which center offers the service you need, whether appointments are available, and what fees or arrangements apply. The city’s service listing is a useful starting point, not a confirmation of appointment availability. [[cite:]]

Hamilton County Public Health lists STI/HIV testing and treatment, tuberculosis services, and support through the Children with Medical Handicaps program at its clinic, 5050 Section Avenue, Cincinnati, OH 45212. Call 513-946-7610 to confirm current services, eligibility, and arrangements before visiting. This is a county resource; it does not establish ZIP-specific access. [[cite:]]

UC Health and TriHealth list Cincinnati-area hospital and other care locations. UC Health provides a route to request a patient estimate, and TriHealth lists financial-assistance information and financial-counseling contacts. Contact the organization directly about a particular service, estimate, current requirements, or eligibility. Medicare Care Compare is a federal tool for finding and comparing Medicare-approved providers; verify service availability and details with the provider. [[cite:]]

Get support reviewing a bill or planned care

For planned higher-cost care, contact SakeOf in advance when reasonably possible. Full Service advocacy can support bill verification, fair-price review, and negotiation discussions when a bill or price is hard to understand. An itemized bill is required for submissions and should include service dates, provider information, and CPT or HCPCS codes when available. SakeOf may request medical records, clinical notes, or other documentation for review.

Submit complete documents within six months of the service date. Submit balance bills, denials, or payment demands within 10 days of receiving them. These deadlines help SakeOf review a request under program terms; the applicable member commitment and program requirements still apply. Keep your membership current, maintain a valid payment method, and respond promptly to requests for documentation.

Understand larger eligible medical events

For a larger eligible medical event, SakeOf combines documentation, advocacy, and consideration of voluntary community funding under program rules. The applicable member commitment is part of the process; check your membership materials and contact SakeOf about planned higher-cost care when reasonably possible. Eligibility depends on program requirements and review, and community funding is voluntary rather than guaranteed.

If you have received a bill, gather the itemized bill and related provider communications before contacting SakeOf. If care is planned, use Jordan to ask what information may be needed and how the process works for your situation.

Choose features and take a next step

Other optional features include Maternity Care ($18 monthly adjustment), Chiropractic and Acupuncture ($14), Physical and Occupational Therapy ($11), Durable Medical Equipment ($7), and Dental and Vision Discounts ($9). Dental and vision discounts are paid directly to participating providers at applicable rates; discounts vary and are not guaranteed at every provider. Each feature applies when selected and active under its program terms.

• Have a new health question? Check whether Zero Copay Telemedicine is active and ask whether your concern is appropriate for virtual care.
• Need ongoing care or medication support? Review Virtual Primary Care’s active-feature requirements and check whether Rx and Prescription Benefits apply to your medication.
• Need an in-person appointment in Cincinnati? Call City of Cincinnati Primary Care at 513-357-7320 to ask about center services and appointments.
• Planning major care or sorting out a bill? Contact SakeOf in advance when possible, keep itemized bills, and ask Jordan about the review process.
• Comparing membership options? Use the calculator and Savings Guide, or explore the provider search to plan your next step.