Healthcare options for contractors in Dayton

Start with the care you need—not a network search

SakeOf is a healthcare membership designed to make everyday care easier to arrange and medical costs easier to understand. Start with the question in front of you: Do you need an initial conversation, ongoing primary care, a prescription, an in-person service, or help reviewing a bill? Your program and selected, active features shape which SakeOf services are available.

SakeOf offers Full Service and Major Medical Only. Full Service includes advocacy; other services and discounts depend on the features you select and their terms. Use the calculator to compare membership options, then check your enrollment details so you know which features are active before arranging care.

Use practical options for everyday care

For a non-emergency concern, Zero Copay Telemedicine may offer a convenient first conversation when selected and active. Virtual Primary Care may support ongoing primary-care needs when available through your program. These options can help you consider what step to take next; an in-person visit, test, or specialist service is a separate service to arrange.

Selected features may also include prescription benefits or Mental Health and Counseling. Check the current benefit details for a medication and pharmacy before relying on a particular price or service. Psychiatry, inpatient behavioral health, emergency psychiatric care, neuropsychological testing, residential substance-use treatment, and medication costs are separate unless another active benefit or program expressly includes them.

For ongoing care, use the provider search and ask a prospective provider about appointment availability, services, and charges. If you already have another healthcare arrangement, check the terms of any third-party benefit before assuming it can be combined with a SakeOf service.

Choose local in-person care when it fits

When you need an examination, laboratory work, imaging, or hospital care, you can choose a provider and ask about the specific service you need. Kettering Health Dayton is at 405 West Grand Avenue in Dayton; its location page lists emergency care, laboratory, imaging, and pharmacy services. Confirm current availability and expected charges directly with the facility, especially for non-emergency care. ^{www.summahealth.org}

For community health-center options, Public Health – Dayton & Montgomery County lists local providers, describes its own clinic services as limited, and says listed federally funded health centers adjust fees on a sliding scale. Contact a center to ask about its services, eligibility, fees, and appointments. The listing is a starting point, not a confirmation of access for an individual patient. ^{my.clevelandclinic.org}

Greene County-area listings include Kettering Health Greene Memorial in Xenia, Soin Medical Center in Beavercreek, and Five Rivers Greene County Health Center at 360 Wilson Drive in Xenia (937-281-6800). These are facilities in named communities, not a guarantee of availability for every part of the county. Call the organization to confirm current services, appointments, and charges. ^{my.clevelandclinic.org www.summahealth.org my.clevelandclinic.org}

Before a non-emergency service, ask what the provider expects to charge and whether separate fees may apply for tests, follow-up visits, or specialists. A location listing is not an individual price quote.

Get help understanding a confusing bill

Full Service includes advocacy and can help verify bills, review whether pricing is fair, and support negotiation. If a bill is unclear, gather the itemized bill and related records so the team can review the service, provider, and charges. This support helps you work through the bill; it does not promise a particular price or result.

An itemized bill is required for submissions and should include service dates, provider information, and CPT or HCPCS codes when available. SakeOf may also request clinical notes, medical records, billing details, or other documentation. Submit complete documents within six months of the service date. Submit balance bills, denials, or payment demands within 10 days of receiving them.

Know how support for larger expenses works

For qualifying expenses, voluntary community funding may be considered after the feature-specific member responsibility. The member commitment, selected program and active features, effective dates, eligibility review, documentation, fair-price review, limits, and available community funds all matter. Consideration is not a promise that an expense will be eligible or funded.

Before planned care when possible, review your enrollment details and contact SakeOf with questions about the process. Keep bills and care records, and follow submission timelines. For an unexpected expense, gather the records and ask what information is needed to assess it under the applicable program rules.

Explore selected services and take your next step

Depending on your selections, additional options may include maternity support, dental and vision discounts, chiropractic or acupuncture, physical or occupational therapy, and durable medical equipment. Discount options use participating providers or vendors; you pay the discounted bill directly, and actual discounts vary. Routine dental and vision bills are not community-shared unless another written program term expressly provides for it.

Maternity timing matters: pregnancy must begin after the continuous 12-month maternity waiting period is complete. Adding the feature after conception does not make that pregnancy eligible. Other program conditions apply, so check your membership details before planning care.

• Compare membership options: Use the calculator to explore Full Service and Major Medical Only.
• Plan routine care: Review the Savings Guide and provider search, then ask the provider about availability and charges.
• Talk through getting started: Ask Jordan about membership options and your next step.
• Prepare for bill support: Keep itemized bills and related records, and note the submission deadlines.