Healthcare when you work for yourself in Dayton

Choose a care path that fits the need

SakeOf brings practical everyday-care options, help navigating provider and billing decisions, and voluntary member-to-member community funding for eligible larger expenses into one healthcare membership. Your useful first step depends on the concern: consider a selected, active remote-care or counseling feature when it fits, choose a local provider when in-person care is appropriate, or ask SakeOf for help when a price or bill is hard to make sense of.

For an urgent emergency, seek emergency care. For planned non-emergency care, contact the provider to confirm the service, appointment availability, payment arrangements, and expected charges. Then check your SakeOf enrollment details to see which features are active and what steps apply to your situation.

Make everyday care easier to navigate

If Zero Copay Telemedicine is selected and active, it can be a remote starting point for an appropriate everyday concern. Virtual Primary Care is a distinct option for ongoing primary-care needs when it is selected and active. Review your membership details to see which service you can use and how its terms apply to the care you need.

An active prescription feature may help with medication access when the prescription and pharmacy meet its terms. Before relying on a discount or other benefit, confirm the medication, participating pharmacy, and current vendor requirements. Related costs—such as an office visit, lab work, imaging, specialist care, or medication outside the feature’s terms—may need to be considered separately.

Mental Health and Counseling may be available when that feature is active. Check the feature details before scheduling. Psychiatry, inpatient or emergency behavioral health, testing, residential substance-use treatment, and medication costs are separate unless another active benefit or program expressly includes them.

Choose in-person care and check local options

You can choose a provider when you need an examination, test, imaging, specialist, or other in-person service. In Dayton, Kettering Health Dayton is listed at 405 West Grand Avenue, with emergency care, laboratory, imaging, and pharmacy services on its location page. Contact the facility to confirm current availability, appointments, and expected charges. [[cite:]]

Public Health – Dayton & Montgomery County lists area health centers and says listed centers offer sliding-scale fees. Ask a center directly about the services you need, eligibility, fees, payment options, and appointments. The department’s own clinic provides 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’s Community Paramedicine program describes scheduled home visits and connections to healthcare and community resources. The city lists 937-333-4509 and 937-333-4535; call to ask about current availability and eligibility. These are city- and county-level resources, not confirmation that a service or appointment is available to a particular person. [[cite:]]

Get help understanding prices and bills

Full Service advocacy can help you verify confusing charges, review fair pricing, and seek negotiation support. For planned higher-cost care, contact SakeOf in advance when reasonably possible. Ask the provider for an estimate and share the details with SakeOf so the service, documentation, and applicable program rules can be reviewed before care.

For bill review, an itemized bill is required. It should show service dates and provider information, with CPT or HCPCS codes when available. SakeOf may also request clinical notes, medical records, diagnosis or procedure details, billing records, or a signed release. Send complete documents within six months of the service date; send a balance bill, denial, or payment demand within 10 days of receiving it.

Know how community funding works for larger needs

Full Service combines advocacy and fair-price review with voluntary member-to-member community funding for eligible medical expenses. Eligibility and any support depend on the applicable member commitment, active membership, documentation, program rules, fair-price review, and available community funds. Treat funding as voluntary rather than assured, and understand your membership responsibilities before planned care.

In a review, a symptom can matter even if it was never formally diagnosed. An illness, injury, symptom, diagnosis, or treatment from the 24 months before membership began may be considered pre-existing. Final eligibility depends on documentation, clinical review, and the Program Guide. Turning on a feature later does not create retroactive eligibility for an earlier condition, expense, service, or course of treatment.

Explore household features and take a next step

If maternity is relevant, the pregnancy must begin after the continuous 12-month maternity waiting period is completed. Adding or restoring the feature after conception does not make that pregnancy eligible. For dental and vision, participating-provider discounts may be available when applicable; you pay the provider directly, and discounts vary. Routine dental and vision bills are not community-sharing expenses.

Other options may include chiropractic or acupuncture, PT/OT, or durable medical equipment when offered and selected. What applies depends on your enrollment, active features, effective dates, and the relevant terms. Use the SakeOf calculator to explore membership options, the Savings Guide to understand how the program works, provider search to look for care, or Jordan to ask a question.

• Identify the care you need and check whether an active remote or in-person option fits.
• Call a provider to confirm services, appointments, payment arrangements, and expected charges.
• Check your enrollment details for active features and member responsibilities.
• For planned higher-cost care, contact SakeOf in advance when reasonably possible.
• Use the calculator, Savings Guide, provider search, or Jordan to plan your next step.