Healthcare when you work for yourself in Lima

Put everyday care and practical support in one membership

SakeOf is a healthcare membership built to help you organize care, understand costs, and make decisions with useful support along the way. Selected direct services can give you convenient starting points for everyday needs, while provider choice lets you seek care in person when that better fits the situation. Full Service adds help reviewing bills and planned costs, with potential voluntary community support for eligible larger medical events.

Your first step is to identify what kind of help you need: timely guidance, a prescription, an ongoing primary-care relationship, an in-person visit, or help with a bill. Then check which membership options are active and explore your choices with the calculator, Savings Guide, provider search, or Jordan.

Use virtual care and counseling for the needs they fit

When an active Zero Copay Telemedicine option fits a non-emergency concern, virtual care can offer a convenient first conversation and help you consider next steps. If you need an in-person examination or care better suited to a local clinician, Lima has primary-care, urgent-care, and hospital options to explore.

Rx and Prescription Benefits may help with prescription needs when selected and active and when the medication and service meet the applicable terms. Review the current benefit details for the prescription you need.

Mental Health and Counseling may include an immediate problem assessment, supportive counseling and follow-up sessions, crisis support, and referrals when more care is needed. It can be a useful place to begin seeking counseling support.

Members who select the current Virtual Primary Care bundle can access a dedicated physician relationship, ongoing virtual follow-up, an annual virtual wellness visit, and chronic-care or medication-management support when clinically appropriate for virtual care. The bundle requires Rx and Prescription Benefits, Zero Copay Telemedicine, and Mental Health and Counseling to remain active. Use provider search or Jordan to explore whether this option fits the kind of ongoing care you want.

Choose in-person care in Lima when you need it

Members may generally use any appropriately licensed provider. Lima Memorial lists Northland Medical Center primary care at 240 W. Northern Ave., Suite 3, Lima, and says same-day or walk-in appointments are available at select locations. Call 419-998-8265 to ask about access, services, and expected charges. ^{www.summahealth.org}

For urgent care, Mercy Health lists Eastside Urgent Care at 967 Bellefontaine Ave., Suite 100, Lima, with published hours Monday through Saturday, 8 a.m. to 8 p.m. Confirm current hours and services before traveling. ^{www.summahealth.org} Mercy Health — St. Rita’s Medical Center is at 730 W. Market St., Lima; contact the hospital about the service you need and expected charges. ^{my.clevelandclinic.org}

For community-based services, the Dr. Gene Wright Community Health Center is listed at 441 E. 8th St., Lima, with onsite medical, dental, behavioral-health, and pharmacy services. Contact the center to check current offerings, appointment access, and fees. ^{my.clevelandclinic.org}

Allen County Public Health lists a family-planning clinic at 219 E. Market St., Lima. It describes confidential reproductive-health services, walk-ins, preferred appointments, and fees assessed using household-income information; it says no one is denied service because of inability to pay. Call 419-228-6154 to confirm arrangements. ^{www.summahealth.org}

Make bills and planned costs easier to work through

Full Service gives members advocacy for medical bills, including bill verification, fair-price review, and negotiation support. If a bill is confusing or unexpectedly high, gather the itemized statement and ask SakeOf what records would help with review. For planned higher-cost care, contacting SakeOf in advance when reasonably possible creates an opportunity to discuss the process and fair-price options before care.

An itemized bill is required and should include service dates, provider information, and CPT or HCPCS codes when available. SakeOf may also request medical records, clinical notes, diagnosis or procedure details, billing records, 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.

Full Service includes an applicable member commitment. Ask SakeOf how that commitment and the review process apply to your planned care or bill, and ask the provider about expected charges.

Understand how community support may help with larger needs

For eligible larger medical events, Full Service combines advocacy, bill verification, fair-price review, negotiation support, and the applicable member commitment. Eligible expenses may also be considered for voluntary member-to-member community funding. That funding is discretionary and depends on program rules, documentation, medical necessity, fair-price review, participation status, limits, exclusions, and available funds.

Keeping your membership active, maintaining a valid payment method, funding required asks, and sharing complete documents promptly help you take part in the membership process. For a planned major event, contact SakeOf early to ask about the member commitment, review steps, and whether the event may be eligible for voluntary community funding.

Explore options for different household needs

Depending on current membership options, members may be able to select dental and vision discounts, chiropractic or acupuncture, physical or occupational therapy, and durable medical equipment. Review the options available to you and choose what fits your household’s needs.

Maternity has a continuous 12-month waiting period: pregnancy must begin after the waiting period is complete. Adding or restoring maternity after conception does not make that pregnancy eligible. Licensed birth-center and licensed-midwife services may be considered at a fair cash price; planned home birth requires advance review and must meet program rules.

To move forward, use the calculator to compare membership choices, the Savings Guide to understand how the membership works, and provider search or Jordan to plan care. When you have a specific care need, check the relevant membership option and contact the provider or SakeOf with your questions.