Healthcare when you work for yourself in Dayton

Start with the care you need

SakeOf gives members a practical way to approach healthcare: selected everyday services and discounts, help reviewing prices and bills, and voluntary member-to-member community funding for eligible medical expenses. You choose the care path and provider that suit your situation, then check which SakeOf features are selected and active. For a new, non-emergency concern, an active telemedicine feature may be a convenient starting point. Ongoing care may call for Virtual Primary Care or an in-person clinician. Emergency symptoms call for emergency services.

ZIP code 45430 is associated with Dayton in Montgomery County. City and county resources can help you explore local care, but they do not establish a particular appointment, provider participation, or price for your circumstances. Confirm those details with the provider before non-emergency care.

Use everyday-care features that fit

Depending on your enrollment and active features, SakeOf may offer Zero Copay Telemedicine, prescription benefits, Mental Health and Counseling, and Virtual Primary Care. Check your enrollment summary and feature terms before relying on a service or price. A virtual visit can be a useful first step for a suitable concern, but it may not cover every part of a care episode. You might still need an in-person follow-up, testing, a specialist, or a prescription with separate terms or costs.

For counseling, confirm that the feature is active and that the service fits its terms. Psychiatry, inpatient behavioral health, emergency psychiatric care, and medication costs are separate unless another active benefit or program expressly includes them. For a prescription, check current medication terms and any applicable benefit before filling it. If you also use another healthcare arrangement, check vendor terms before assuming a particular prescription or telehealth service can be combined with it.

Choose local in-person care deliberately

When you need an in-person visit, test, or hospital service, you choose where to seek care. Kettering Health Dayton is at 405 West Grand Avenue, and its location page lists emergency care and on-site laboratory, imaging, and pharmacy services. Confirm current availability and expected charges directly with the facility before non-emergency care.

Public Health – Dayton & Montgomery County lists area community health centers and describes sliding-scale fees at listed federally funded centers. Contact a center to ask about services, eligibility, appointments, and payment options. The department’s own clinic has limited appointment-based services rather than primary or urgent care; call 937-225-4550 to confirm what it currently provides.

The City of Dayton describes a Community Paramedicine program with scheduled home visits and connections to healthcare and community resources. The city lists 937-333-4509 and 937-333-4535; contact the program to ask about current availability and eligibility. These are city-level resources, not a guarantee of access based on a particular address.

Get help understanding a bill

Full Service includes advocacy and bill review, which may include fair-price review and negotiation support. Before planned higher-cost care, contact SakeOf in advance when reasonably possible and ask the provider for an expected charge. A review or request for negotiation does not guarantee a particular price or outcome.

Keep the itemized bill, including service dates, provider information, and CPT or HCPCS codes when available. SakeOf may also request clinical notes, medical records, provider documentation, billing records, or a signed medical-record release to assess 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.

Know what matters for larger eligible needs

For a larger medical event, Full Service combines advocacy, fair-price review, and voluntary member-to-member community funding for eligible expenses. Your selected program, active features, effective dates, applicable member commitment, eligibility rules, documentation, and available community funds all matter. Review your enrollment summary and ask SakeOf about your situation so you understand the requirements before care when possible.

If you are planning a pregnancy, check the maternity terms and effective dates early. Pregnancy must begin after the continuous 12-month maternity waiting period is complete; adding or restoring the feature after conception does not make that pregnancy eligible. Newborn care after the initial discharge is separate from the mother’s maternity event, and the newborn should be added to membership within 30 days of birth.

Compare options and take a next step

When selected and available, dental and vision discounts let members pay participating providers directly at the applicable discounted rate. Discounts vary and are not guaranteed at every provider; routine dental and vision expenses are not community-funded under the stated rules. Chiropractic or acupuncture, PT/OT, and durable medical equipment may also be worth asking about, but confirm whether a specific service is included in your active program before scheduling or purchasing.

• Use the calculator to explore membership options and potential costs.
• Read the Savings Guide and check which features are selected and active.
• Use provider search, then confirm participation, appointments, and expected charges directly.
• Ask Jordan to help you understand a care path or membership option.
• For community health centers, county clinic services, or Medicaid application routes, contact the relevant local agency directly. Montgomery County Shared Services can answer questions about county Medicaid application routes at 844-640-6446; contacting the county does not establish eligibility.