A different way to healthcare in Bunker Hill

Start with the care you need—not a complicated payment path

SakeOf is a healthcare membership designed to make care easier to organize and healthcare costs easier to examine. Members can use healthcare advocacy, fair-price review, and selected direct-service or discount benefits, with voluntary member-to-member community funding for eligible medical expenses.

For a routine concern, begin with the simplest active service that fits the need. For an emergency, seek emergency care directly; a routine membership service is not the emergency-care path. For care that needs an examination, testing, or a specialist, choose an in-person provider and ask about the service and expected charges before proceeding.

Use everyday care options when they fit

When selected and active, Zero Copay Telemedicine can offer a convenient first step for an appropriate everyday health question. Rx and Prescription Benefits can support eligible prescriptions through the program’s participating-pharmacy process. Check the current pharmacy tool and formulary before filling a prescription: a medication outside the active formulary is not automatically available at no cost.

Virtual Primary Care is another option to consider when it is part of the member’s active program. These services can help make routine care more accessible, but they do not make separate labs, imaging, in-person follow-up, or specialist services part of the same visit. Confirm what a provider recommends and what each service will cost.

Mental Health and Counseling, when selected and active with its required companion benefits, offers unlimited on-demand telephonic counseling at no member cost for the included service. Up to three face-to-face counseling consultations per incident may be arranged when available through the program. Counseling is not the same as psychiatry or emergency psychiatric care; those services and medication costs are separate unless another active program expressly includes them.

Choose in-person care around Berkeley County

The verified resources identified for ZIP code 25413 are regional, not confirmed as located within Bunker Hill. Berkeley County Health Department lists clinical services that include immunizations and family-planning programs; contact the department to confirm current services, appointments, eligibility, and fees. Its Berkeley office is at 122 Waverly Court in Martinsburg.^{www.loganregionalmedicalcenter.com}

For hospital and specialty care, WVU Medicine Berkeley Medical Center is in Martinsburg and lists emergency and specialty services. Its main number is 304-264-1000; call to confirm the service you need, appointment details, and travel logistics.^{www.loganregionalmedicalcenter.com} When you need a lab, imaging, specialist, or other in-person service, you can choose a provider and ask for a service-specific estimate before scheduling.

Hospital standard-charge files can help you investigate prices, but they are not a personal quote or a final out-of-pocket estimate. Ask the facility for an estimate for your specific service and whether professional or ancillary charges may be separate. CMS also explains hospital price-transparency resources.^www.cms.gov

Get help making sense of a bill

When a bill is confusing or unexpectedly high, SakeOf’s advocacy and fair-price review can help members examine the charge and understand possible next steps. Start by gathering the bill, any estimate, and the provider’s explanation of the service. Ask the provider to clarify the charges, then use the membership’s advocacy resources to review the situation.

Advocacy and price review do not guarantee a lower price or a particular outcome. For a major eligible medical expense, voluntary community funding may be considered under the program’s rules. Check the Program Guide for the applicable member commitment and eligibility details rather than assuming an expense will qualify.

Consider household options before a need arises

Membership options may include dental and vision discounts, chiropractic or acupuncture, physical or occupational therapy, and durable medical equipment. These are useful to review when they match a household’s plans; discounts or services apply only when the relevant option is selected, active, and available under its terms. Check provider and service details before arranging care.

The maternity feature has specific timing and eligibility rules. A pregnancy must begin after the continuous 12-month maternity waiting period is completed, and adding the feature after conception does not make that pregnancy eligible. Potentially eligible expenses and limits are described in the Program Guide, so review it before relying on the feature for planning.

Take a practical next step

• Compare options: Use the SakeOf calculator and Savings Guide to see which membership features may fit the way you expect to use care.
• Find care: Use provider search, then confirm directly with the provider that the service, appointment, and payment arrangements work for you.
• Check local programs: The Berkeley County Department of Human Services lists Medicaid, WVCHIP, and non-emergency medical transportation among its services. WV PATH supports screening and applications for Medicaid and WVCHIP.^bms.wv.gov
• Ask a question: Contact Jordan or review membership options if you want help understanding the available features and next steps.