A different way to healthcare in Lima

Start with the care you need—not the bill

SakeOf is a healthcare membership built around practical help with care, costs, and next steps. Members can use selected direct services and discounts, get advocacy with provider and billing questions, and have eligible medical expenses considered for voluntary community funding under program rules. The result is a more hands-on way to make healthcare decisions than starting with an insurance card and trying to decode the bill afterward.

Begin with the need in front of you. For a routine question, a prescription, counseling, or ongoing primary-care support, check which SakeOf features are active in your membership. If you need an examination, test, specialist, or hospital service, choose a licensed provider and ask what the visit and any related services are expected to cost. SakeOf can help identify fair-price options for planned care.

In Lima, the care landscape includes primary-care offices, urgent care, hospital services, a community health center, and county public-health programs. Those are starting points rather than guarantees of a particular appointment, service, or price. Confirm details directly before making plans.

Use everyday-care options when they fit

For a new health question

When an issue may be handled virtually, Zero Copay Telemedicine can offer a low-friction starting point when that feature is selected, active, and available under its terms. If an in-person examination, test, or follow-up is needed, ask the clinician what should happen next and what services may be billed separately. Telemedicine is not the route for an emergency; seek emergency care when the situation calls for it.

For prescriptions and ongoing care

Rx and Prescription Benefits may help with eligible prescriptions when selected and active. Check the applicable benefit details for the medication and pharmacy before relying on a particular price or arrangement. A medication that is non-formulary or otherwise outside the benefit may be a separate expense.

Virtual Primary Care is an optional bundled service with a $15 monthly adjustment. When the required features remain active, it includes $0 virtual primary-care access through the current service partner, a dedicated physician relationship with virtual follow-up, an annual virtual wellness visit, and chronic-care follow-up and medication-management support when clinically appropriate for virtual care. In-person visits, labs, imaging, and specialist care may still need separate arrangements.

For counseling support

Mental Health and Counseling can include immediate problem assessment, supportive counseling, follow-up with the original counselor when available, and crisis support. If more care is needed, the service may help with referrals to appropriate behavioral-health plans or local community resources. Psychiatry, inpatient behavioral health, emergency psychiatric care, residential substance-use treatment, neuropsychological testing, and medication costs are not automatically included just because counseling is active.

Choose local in-person care and check the details

Members may generally use any appropriately licensed provider. In Lima, Lima Memorial lists Northland Medical Center, 240 W. Northern Ave., Suite 3, Lima, for primary care. Call 419-998-8265 to check services, appointment availability, and charges; same-day or walk-in access is described for select locations, so verify with the office before going.

Mercy Health lists Eastside Urgent Care at 967 Bellefontaine Ave., Suite 100, Lima. Its published hours are Monday through Saturday, 8 a.m. to 8 p.m.; confirm current hours, services, and expected charges before traveling. Mercy Health also lists St. Rita’s Medical Center at 730 W. Market St. for hospital care. For an emergency, seek emergency care rather than following a routine membership workflow.

For a community-based option, the Ohio Association of Community Health Centers lists Dr. Gene Wright Community Health Center at 441 E. 8th St. and identifies medical, dental, behavioral-health, and pharmacy services onsite. Confirm current services, appointment access, and fees with the center. These Lima resources are useful places to investigate, but a listing does not establish access or participation for a specific service.

Public-health programs may also be relevant. Allen County Public Health’s Family Planning Clinic, at 219 E. Market St., lists confidential reproductive-health services, walk-ins, and preferred appointments. Fees use household-income information, and the department says no one is denied service due to inability to pay. Call 419-228-6154 to confirm arrangements. The county’s WIC office is also at 219 E. Market St.; contact the department to ask about eligibility and current services.

Make a confusing bill easier to work through

Full Service includes advocacy and bill verification, fair-price review, and negotiation support. If a planned service may be costly, contact SakeOf in advance when reasonably possible. That gives you a chance to ask about provider options, expected charges, and the information that may be useful before care.

For a submission, an itemized bill is required and should show service dates, provider information, and CPT or HCPCS codes when available. SakeOf may request clinical notes, medical records, diagnosis or procedure details, provider documentation, billing records, or a signed release to review eligibility, medical necessity, and fair pricing. Submit complete documents within six months of the service date. Submit a balance bill, denial, or payment demand within 10 days of receiving it.

Keep your membership current, provide requested documents promptly, and plan for the applicable member commitment or feature-specific responsibility. Review the bill and ask the provider about expected patient responsibility; a published price or plan listing is not an individual estimate.

Understand support for larger eligible events

For a larger medical event, Full Service combines advocacy, fair-price review, and voluntary member-to-member community funding for eligible expenses. The applicable member commitment, documentation, medical necessity review, fair-price assessment, participation status, feature limits, exclusions, and available community funds all matter. Funding is voluntary, so it is not a guaranteed payment amount.

For planned care, contact SakeOf ahead of time when reasonably possible and ask what records or estimates to gather. Keep itemized bills and provider documents together, and respond promptly if more information is requested. The Program Guide governs final eligibility decisions.

Consider other options and take your next step

Depending on the membership options selected, dental and vision discounts, chiropractic or acupuncture, physical or occupational therapy, and durable medical equipment may be relevant to a household’s care plans. Check the current terms for each option before scheduling or buying. Maternity has specific timing rules: pregnancy must begin after a continuous 12-month maternity waiting period is complete. A newborn should be added to membership within 30 days of birth; planned home birth requires advance review and other program conditions.

• Compare your options: Use the calculator and Savings Guide to understand the membership choices and costs.
• Plan a visit: Use provider search for care options, then confirm availability and expected charges directly with the provider.
• Ask a question: Talk with Jordan about how a membership feature or care situation works.
• Choose your path: Review membership options and check which features you want active.