Healthcare options for contractors in Dayton

Begin with the care you need

When a health need comes up, it can be useful to start with the practical question in front of you: Do you need a remote visit, ongoing care, a prescription, an in-person service, or help understanding a bill? SakeOf is a healthcare membership that brings together member services, advocacy, fair-price review, voluntary community funding for eligible expenses, and optional direct-service or discount features selected during enrollment.

Your program, selected features, effective dates, and membership terms shape what is available. Full Service includes advocacy and fair-price review, with voluntary member-to-member community funding for eligible medical expenses. Major Medical Only is another program option. For either program, the applicable member commitment, member responsibilities, eligibility rules, documentation, and available funds matter.

Use the calculator to explore membership choices and costs, read the Savings Guide to understand how the membership works, or talk with Jordan about which option may fit the care you expect to use.

Use active everyday-care features when they fit

For a new, non-emergency concern or ongoing care

If Zero Copay Telemedicine is selected and active, it may offer a remote first step for a concern the service can address. Virtual Primary Care may be another option for ongoing care when selected and active. Ask what the service can handle and whether follow-up visits, in-person care, lab work, imaging, or specialist services would be separate.

These features are ways to approach appropriate care, not a promise that every health need can be handled remotely. If you need an in-person service, you can choose a provider that fits your needs and confirm the details directly.

For prescriptions or counseling

Rx and Prescription Benefits may be available when selected and active. Check the feature terms for the particular medication and participating pharmacy before relying on a benefit. A feature does not mean every prescription or pharmacy is included, and costs outside its terms may remain separate.

Mental Health and Counseling may offer a counseling option when active. Psychiatry, medication, emergency psychiatric care, inpatient behavioral health, and other specialized services are separate unless another active benefit or program expressly includes them. Ask about the specific service you need and any separate charges.

Find local in-person care and check the details

For an appointment, test, specialist visit, or hospital service in Dayton, use provider search or identify a provider that meets your needs. Before planned care, contact the provider to confirm the service, appointment availability, participation in any applicable arrangement, and expected charges. A listing is a starting point, not a confirmation of access or an individual price.

Public Health – Dayton & Montgomery County lists area health centers and describes routine care and sliding-scale fees at listed federally funded health centers. Contact a center directly to ask about its services, appointments, eligibility, fees, and payment options. The public-health clinic has limited, appointment-based services rather than primary or urgent care; call 937-225-4550 to confirm current services and scheduling. [[cite:]]

The City of Dayton describes Community Paramedicine as offering scheduled home visits and connections to healthcare and community resources. The city lists 937-333-4509 and 937-333-4535 as program contacts; call to ask about current availability and eligibility. [[cite:]]

For help with Medicaid program information or application routes in Montgomery County, the county lists online, phone, and in-person options and County Shared Services at 844-640-6446. Contact the county to ask about the process and your circumstances. County information does not determine an individual’s eligibility. [[cite:]]

Get support with a confusing bill

Full Service advocacy can help members review medical bills and seek a fair price. If a charge is unclear or looks inconsistent, gather the bill and supporting paperwork and ask SakeOf what to submit. Fair-price review and negotiation support do not guarantee 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, diagnosis or procedure details, provider documentation, billing records, or a signed medical-record release. Submit complete documents within six months of the service date. Submit balance bills, denials, or payment demands within 10 days of receiving them.

Plan ahead for larger eligible expenses

For a larger eligible medical event, Full Service brings together advocacy, bill verification, fair-price review, and voluntary community funding. The applicable member commitment and other responsibilities depend on your membership terms. Community funding is voluntary, and available funds are relevant; do not assume an expense will be shared or that a particular amount will be available.

For planned higher-cost care, contact SakeOf in advance when reasonably possible. Keep membership active, meet applicable responsibilities, and submit complete records promptly. Your selected program and features, effective dates, eligibility rules, and documentation help determine how an expense is reviewed.

Check optional features and choose your next step

Depending on your selection and membership terms, optional features may include maternity, chiropractic or acupuncture, physical or occupational therapy, and durable medical equipment. For maternity, pregnancy must begin after the continuous 12-month waiting period is complete; adding or restoring the feature after conception does not make that pregnancy eligible.

Dental and vision discounts work differently from community funding. When the feature applies, you pay participating providers directly at the applicable discounted rate. Discounts vary, and routine dental and vision expenses are not community-funding expenses unless another written program term expressly says otherwise.

• Explore membership choices: Use the calculator to compare options and costs.
• Understand the approach: Read the Savings Guide before choosing a program.
• Look for care: Use provider search, then confirm services, appointments, participation, and charges with the provider.
• Talk through your situation: Ask Jordan which care path or membership option to explore.
• Review your selection: Check active features, effective dates, member responsibilities, and applicable terms.