Healthcare options for contractors in Advent

Start with the care you need

SakeOf is a healthcare membership built around a practical sequence: identify the kind of care you need, use an available membership service when it fits, and choose a provider for care that needs to happen in person. Members can use the calculator or Savings Guide to explore membership options and costs, then use provider search to research care locations.

For a new, common illness or symptom that is appropriate for virtual care, an active Zero Copay Telemedicine option can connect you with a clinician by phone or video. If symptoms are severe or may be an emergency, seek emergency care rather than waiting for a routine appointment or virtual consultation.

Build an everyday-care routine

When selected and active, Zero Copay Telemedicine provides eligible urgent-care consultations at no member cost under the program rules. It is intended for common, non-emergency needs. A clinician may prescribe medication when appropriate and legally permitted, but the prescription cost follows the active Rx and Prescription Benefits program.

Virtual Primary Care is a separate selected option with a dedicated physician relationship and ongoing virtual follow-up support. It may include an annual virtual wellness visit, health-risk assessment, medication review, chronic-condition follow-up, and care coordination when appropriate for virtual care. The current bundled service tier requires Rx and Prescription Benefits, Zero Copay Telemedicine, and Mental Health and Counseling to remain active.

Mental Health and Counseling may provide problem assessment, supportive counseling, follow-up when available, crisis support, and referrals to other resources when additional care is needed. These services do not automatically include psychiatry, inpatient behavioral health, or medication costs. Ask the membership team or review the current program guide to understand the options and rules that apply to your membership.

Plan local in-person care around Advent

For ZIP code 25231, the verified nearby healthcare access points identified in the local research are in Ripley and Ravenswood, rather than a confirmed facility in Advent. The research identifies hospital and primary-care services in Ripley and primary care in Ravenswood, but does not establish travel time from a particular address or current appointment availability.

Before traveling, call the provider to confirm the service you need, appointment or walk-in availability, current hours, and accepted payment arrangements. If you need a clinic visit, ask whether the location offers walk-in care and whether a pharmacy is available there. If a clinician recommends lab work, imaging, specialist care, or an in-person follow-up after a virtual visit, confirm those services and any separate charges directly with the provider.

For hospital care, WVU Medicine Jackson General Hospital lists emergency care, primary care, surgery, and specialty services in Ripley. Its emergency department is listed as open 24 hours; contact the hospital to confirm non-emergency service hours and details. For county public-health services, contact the Jackson County Health Department in Ripley. The West Virginia facility lookup can help you search by county or ZIP code and review general facility and survey information; a listing does not confirm availability.

Get help making sense of a medical bill

If a bill seems unclear or unusually high, SakeOf’s Full Service advocacy can support members with bill verification, fair-price review, and negotiation support under applicable program rules. Keep the itemized bill, any estimate, and related provider statements together so the charges can be reviewed. Ask the provider which facility, professional, lab, imaging, or other charges are billed separately.

Jackson General Hospital publishes standard-charge information, but the hospital cautions that those files are not a final quote or a member’s individual out-of-pocket amount. Request a service-specific estimate from the provider and ask what it includes before care when possible. CMS also provides information about hospital price transparency and Good Faith Estimates. [^www.cms.gov]

Understand support for larger eligible events

For a larger eligible medical event, Full Service advocacy can help review bills and fair pricing and provide negotiation support. Eligible expenses are handled under the program’s rules, including the applicable member commitment and voluntary community funding process. The specific review and support depend on the event and program documentation; consult the current Program Guide or ask SakeOf how the rules apply before making decisions about a planned service.

When comparing a planned service, ask for a service-specific estimate and clarify whether it includes all facility and professional charges. Keep copies of estimates, bills, and provider communications so they are available if you request advocacy support.

Check which additional options fit your needs

If physical or occupational therapy is medically necessary and provided by an appropriately licensed therapist, the SakeOf PT/OT feature may apply when active and eligible. It has a shared limit of 12 visits and a $780 annual maximum across the enrolled membership; the feature-specific $35 member responsibility replaces the standard $500 event commitment for eligible visits under this feature. A physician order, referral, or documented plan of care may be required when clinically appropriate or required by state law.

For maternity, potentially eligible expenses include routine prenatal visits, medically necessary prenatal labs, standard diagnostic ultrasounds, delivery charges, and routine pregnancy-related postpartum care through six weeks after delivery. The pregnancy must begin after the continuous 12-month maternity waiting period is complete, and expenses are subject to program limits and rules. Review the Program Guide for details before planning care.

Other household options, such as dental or vision discounts, chiropractic or acupuncture, and durable medical equipment, should be considered only after confirming whether they are currently offered, selected, active, and applicable to the service you need. Ask what the option includes and what expenses remain separate.

Take a useful next step

• Use the SakeOf calculator and Savings Guide to compare membership options.
• Use provider search to find care, then call to confirm services, hours, availability, and payment arrangements.
• For West Virginia facility information, search the state facility lookup by county or ZIP code.
• For Medicaid or WVCHIP screening and applications, visit WV PATH; for Medicaid member resources, visit the Bureau for Medical Services.
• For help understanding membership options, contact Jordan or review membership choices and the current Program Guide.