Healthcare when you work for yourself in Charleston

Start with your care need—not a maze of payment rules

SakeOf is a healthcare membership designed to help make everyday care easier to organize. Start with the need in front of you: a new urgent-care question, a prescription, ongoing primary care, an in-person appointment, or a bill you want help understanding. Then consider which active membership services fit and which provider can deliver the care you need.

That gives you a practical way to approach care: use a selected direct service when it fits, choose a provider for in-person care, and use Full Service advocacy for support reviewing bills and fair pricing. The calculator, Savings Guide, provider search, and Jordan can help you explore your options and decide on a next step.

Use virtual care for appropriate everyday needs

When selected and active, Zero Copay Telemedicine provides 24/7 urgent-care telemedicine with unlimited medically appropriate consultations through the current service partner. It can be a convenient first step for an appropriate acute concern. For an emergency, seek emergency care.

When Rx and Prescription Benefits are selected and active, listed medications in the current acute formulary may be available at $0 when program requirements are met. The formulary includes approximately 70 commonly prescribed acute medications, and the current service partner reports access through more than 67,000 participating pharmacy locations nationwide. Check the current medication and pharmacy tool before filling a prescription; formulary and participating-pharmacy details can change.

Mental Health and Counseling, when active with its prerequisites, provides on-demand telephonic counseling with no member cost for included counseling access. The current service partner also describes up to three face-to-face counseling consultations per incident when arranged and available. Counseling is a way to access support from counseling professionals; it does not by itself include psychiatry, emergency psychiatric care, or medication costs.

Build an ongoing virtual-care relationship

Virtual Primary Care is an optional direct service that provides $0 virtual primary-care access through the current partner, a dedicated physician relationship, an annual virtual wellness visit, and a health-risk assessment. Chronic-care follow-up, medication-management support, and care coordination are available when clinically appropriate for virtual care.

To use this bundled service tier, Rx and Prescription Benefits, Zero Copay Telemedicine, and Mental Health and Counseling must remain active. Consider whether virtual visits and follow-up suit your needs, and explore the feature details and membership options to see how it fits with the care you want.

Choose local care when you need to be seen in person

Virtual care and provider choice work together. If you need an examination, lab work, X-ray, specialist, or hospital service, you can choose a provider that offers it. Before you travel or schedule, ask about availability, appointment or walk-in requirements, payment arrangements, and a service-specific price.

Southern West Virginia Health System lists family medicine, pediatric care, walk-in and same-day care, laboratory services, and X-ray at its Sand Plant Road location in Kanawha County. Alum Creek Pharmacy is also listed at that site, with drive-through service. Confirm the particular service, pharmacy hours, and current availability directly with the provider.

The Kanawha-Charleston Health Department is a public-health resource in Charleston at 108 Lee Street E, Charleston, WV 25301. Its listed phone number is 304-344-5243. Contact the department to confirm that the service you need is available and check current hours before visiting.

Charleston has CAMC hospital and outpatient locations, including facilities in or near ZIP code 25301. CAMC publishes price-transparency information and an estimator. Its standard charges are not patient-specific out-of-pocket estimates and may exclude separately billed professional services. For a planned service, ask which facility and professional charges the estimate includes; CAMC lists Patient Financial Services at 304-388-7530.^www.cms.gov

Turn bill questions into a clearer next step

Full Service advocacy can help members verify bills, review fair pricing, and seek negotiation support. If a bill is confusing, gather the itemized bill, estimates, and relevant provider communications. Advocacy can help you understand what is being reviewed and what support may apply.

For planned care, asking for a service-specific estimate before an appointment gives you a useful starting point for comparing options. Ask whether facility, clinician, lab, or imaging charges are included and whether other bills may follow. If a bill arrives afterward, keep it with the estimate and use the membership’s advocacy process to ask about review support.

Understand support for larger eligible needs

For a larger eligible medical event, the applicable member commitment and the event’s eligibility rules shape the process. Voluntary community funding may be available for larger eligible events. It is part of a community process, not a guaranteed amount or promised payment.

Keep estimates, bills, and provider records together, then contact SakeOf through the available member support path to understand how advocacy and any applicable community-funding process work for your situation. You can explore membership options and use Jordan to help identify questions to ask as you plan.

Explore options that match your household

Depending on what you want from your membership, optional features include Maternity Care, dental and vision discounts, chiropractic and acupuncture, physical and occupational therapy, and durable medical equipment. Features have their own terms and monthly adjustments; review the options as you compare what may be useful for your household.

For public programs, WV PATH provides screening and applications for programs including Medicaid and WVCHIP. The West Virginia Bureau for Medical Services offers member resources on managed care, transportation, renewals, and other topics. Eligibility and benefits vary by program.^bms.wv.gov

• For a new, non-emergency concern: Check your active features and consider whether telemedicine is appropriate.
• For ongoing virtual care: Explore Virtual Primary Care and its required active features.
• For a medication: Check the current formulary and participating-pharmacy tool.
• For an in-person service: Contact a provider directly about availability, appointment requirements, payment arrangements, and a service-specific estimate.
• For a bill or larger eligible event: Gather your records and ask Full Service advocacy what review and member processes apply.