Healthcare after employer coverage ends in Dayton

Plan care around what you need

SakeOf is a healthcare membership designed to give members more ways to approach care than starting with a traditional insurance-first search. You can consider selected everyday-care services, choose a provider for in-person needs, and seek help reviewing bills. SakeOf offers Full Service and Major Medical Only; the services and features available to you depend on your selected program, active features, effective dates, and applicable rules.

Start by identifying the care you need and checking your enrollment details. Use the calculator or Savings Guide to explore membership options, provider search to look for care, or Jordan to ask how a particular situation may fit. A provider’s participation, appointment availability, and charges should be confirmed directly.

Use selected services for everyday care

For a quick care conversation, check whether Zero Copay Telemedicine is selected and active, then confirm its current terms. Virtual Primary Care may be an option for ongoing care when selected and active. These services can help you choose where to begin; whether a separate follow-up, test, or in-person visit applies depends on the service and your membership details.

Rx and Prescription Benefits may help with prescription needs when selected and active. Verify the specific medication, pharmacy, and current feature terms before relying on the benefit. Mental Health and Counseling may also be available when selected and active. Psychiatry, inpatient behavioral health, and medication costs are separate unless another active benefit or program expressly includes them.

Other selected features may include maternity-related support, chiropractic or acupuncture, physical or occupational therapy, and durable medical equipment. Check the applicable terms, effective dates, waiting periods, and responsibilities before arranging care or making a purchase.

Choose in-person care in Dayton

When you need an examination, lab work, imaging, a specialist, or hospital care, use provider search to explore options and contact the provider about services, appointments, participation, and expected charges. City and county listings can point you toward resources, but they do not establish access or prices for an individual in ZIP code 45482.

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 hospital to confirm current availability and charges. ^{www.summahealth.org} The location listing is not an individual price estimate.

For community-based care, Public Health – Dayton & Montgomery County lists area health centers and describes sliding-scale fees at listed federally funded centers. Ask a center about services, eligibility, appointments, and payment options. 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. ^{my.clevelandclinic.org}

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; contact the program to confirm current availability and eligibility. ^{www.summahealth.org}

Get support reviewing a medical bill

Full Service offers healthcare advocacy, bill verification, fair-price review, and negotiation support. If a bill is confusing or seems high, gather the records and ask SakeOf about submitting it for review. Support depends on the program rules and documentation; a review does not guarantee a changed charge or a particular outcome.

An itemized bill is required 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, billing records, provider documentation, or a signed release. Submit complete documents within six months of the service date. Send balance bills, denials, or payment demands within 10 days of receiving them.

Prepare for larger eligible expenses

For larger eligible medical expenses, Full Service combines advocacy and fair-price review with voluntary member-to-member community funding. An applicable member commitment and other feature-specific responsibilities may apply. Eligibility, documentation, your selected program and active features, effective dates, and available community funds all affect whether an expense may be considered. Community funding is voluntary, so do not assume it will be available for a particular bill.

When reasonably possible, contact SakeOf in advance about planned higher-cost care. Keep your membership active, maintain a valid payment method, meet applicable member responsibilities, and submit complete documents promptly. Montgomery County provides Medicaid program information and online, phone, and in-person application routes; County Shared Services is listed at 844-640-6446. Contact the county to confirm current application details and individual eligibility. ^{my.clevelandclinic.org}

Take a useful next step

• For everyday care: Check whether telemedicine, Virtual Primary Care, prescription benefits, or counseling is selected and active for your membership.
• For in-person care: Use provider search, then confirm services, appointments, participation, and expected charges directly with the provider.
• For lower-cost local access: Ask a listed community health center about services, eligibility, appointments, and sliding-scale fees.
• For a bill that needs review: Gather the itemized bill and related records, note the submission timeframes, and contact SakeOf about Full Service support.
• To compare membership options: Use the calculator or Savings Guide, or ask Jordan about Full Service, Major Medical Only, and selected features.

Dental and vision discounts are separate from community funding: members pay participating providers directly at the applicable discounted rate. Discounts vary by provider, location, service, and vendor terms, and are not guaranteed at every provider. Routine dental and vision expenses are not community-sharing expenses unless another written program term expressly says otherwise.