When family healthcare feels too expensive in Dayton

A clearer path from care need to next step

SakeOf is a healthcare membership that brings together care-navigation support, selected direct-service or discount features, advocacy, fair-price review, and voluntary member-to-member community funding for eligible medical expenses. It gives members more than one way to move forward: start with an appropriate everyday-care option, choose a provider when in-person care is needed, and get help making sense of a bill.

Your selected program, active features, effective dates, member responsibilities, and program terms shape which options apply. Use the calculator and Savings Guide to explore membership choices, the provider search to look for care, or Jordan to ask a question. If a need is urgent or potentially an emergency, seek appropriate urgent or emergency care rather than relying on a routine virtual visit.

Use everyday-care options when they fit

If telemedicine is selected and active, it can offer a convenient first step for an appropriate remote visit. A clinician may recommend an in-person examination, testing, or follow-up; ask what that next step involves and confirm its expected charge with the provider.

Virtual Primary Care, when selected and active, offers a virtual option for ongoing primary-care needs. For care that requires hands-on assessment, tests, or a local referral, discuss the next step and confirm availability and charges directly with the provider.

Prescription benefits may be available when the relevant feature is active. Check current vendor terms for the specific medication and confirm the price with the pharmacy. Mental Health and Counseling may be available when selected and active; psychiatry, inpatient behavioral health, emergency psychiatric care, and medication costs are separate unless another active benefit or program expressly includes them.

Find local care in and around Dayton

Kettering Health Dayton is located at 405 West Grand Avenue. Its location page lists emergency care and on-site laboratory, imaging, and pharmacy services. Contact the facility to confirm current services and charges. ^{www.summahealth.org}

For routine-care options, Public Health – Dayton & Montgomery County lists area clinics, describes its own clinic’s services as limited, and says listed federally funded health centers adjust fees on a sliding scale. Ask an individual center about services, eligibility, appointments, and fees. ^{my.clevelandclinic.org} The City of Dayton also lists community health and social-service resources, including Community Health Centers of Greater Dayton and Five Rivers Health Centers. ^{www.summahealth.org}

Dayton’s Community Paramedicine program describes scheduled home visits and connections to healthcare and community resources. Contact the city to check current eligibility and availability. ^{my.clevelandclinic.org} These are Dayton-area resources, not confirmation of services, participation, or prices for a particular person or ZIP code. Use SakeOf’s provider search as a starting point, then contact the provider to confirm its current services, appointments, and expected charges.

Greene County resources include Kettering Health Greene Memorial in Xenia and Soin Medical Center in Beavercreek. Their facility pages list services including emergency and diagnostic care; check directly for current availability and charges. ^{my.clevelandclinic.orgwww.summahealth.org} Greene County’s resource guide also lists Five Rivers Greene County Health Center in Xenia. ^{my.clevelandclinic.org} These locations are county resources, not a guarantee of access for every community or patient.

Get help understanding a bill

Full Service advocacy can help members review healthcare bills through bill verification, fair-price review, and negotiation support. Keep 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 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. If you receive a bill you do not understand, gather the itemized statement and contact SakeOf about the information needed for review.

Plan for larger eligible expenses

For qualifying expenses, the community-sharing feature can provide consideration for voluntary community funding after the applicable member responsibility. Funding is subject to limits, available funds, documentation, and program rules; it is not guaranteed. Review your selected program, active features, effective dates, and member commitment with SakeOf before planned care when possible.

Eligibility review can consider an illness, injury, symptom, diagnosis, or treatment that existed or was known before membership began, including when medical advice or care was recommended or received during the prior 24 months. Final decisions depend on documentation, clinical review, and the Program Guide. Turning on a feature later does not create retroactive eligibility for an event or course of treatment that began before its effective date.

Explore options for your household

Depending on your program and selected features, options may include maternity, chiropractic or acupuncture, PT/OT, durable medical equipment, and dental or vision discounts. Each has its own terms. Dental and vision discounts are paid directly to participating providers at the applicable discounted rate; routine dental and vision expenses are not community sharing. Discounts vary and are not guaranteed at every provider.

• Need a first step for a non-emergency concern? Check whether active telemedicine fits, or explore Virtual Primary Care for ongoing needs.
• Need a local clinic, test, or hospital service? Use provider search and confirm services, appointment availability, and expected charges directly.
• Have a confusing bill? Gather the itemized bill and contact SakeOf about Full Service advocacy and submission requirements.
• Planning a larger expense? Ask SakeOf how your selected program, active features, and member responsibility apply.

Use the calculator and Savings Guide to compare membership options, ask Jordan a question, or review enrollment choices. For Ohio Medicaid applications and benefit information, Greene County links residents to state resources; eligibility and coverage are determined through the state program. ^{my.clevelandclinic.org}