Healthcare when you work for yourself in Charleston

A more practical starting point for healthcare

SakeOf is a healthcare membership designed to help you organize everyday care, choose providers, and get support navigating medical costs. Rather than treating every need as the same kind of transaction, start with the question in front of you: Do you need a virtual consultation, a prescription, ongoing follow-up, an in-person test, or help understanding a bill?

Selected active features can connect you with virtual urgent care, counseling, an acute-medication benefit, and virtual primary-care support. You remain able to choose a local provider when a visit or test needs to happen in person. For confusing or high bills, Full Service advocacy can help verify charges, review fair pricing, and support negotiation. For larger eligible medical events, the process may include an applicable member commitment and voluntary community funding under program rules.

To get oriented, compare membership options with the calculator and Savings Guide. Use provider search to explore care choices, or ask Jordan to talk through a situation and possible next steps.

Use everyday-care services when they fit

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

Rx and Prescription Benefits is an optional feature for commonly prescribed acute medications. About 70 medications are on the current formulary, with a $0 member cost when the specific medication is listed and the program’s prescribing, dispensing, and participating-pharmacy requirements are met. Check the current pharmacy tool before filling a prescription; a medication outside the active formulary may have a different price.

Mental Health and Counseling, when active with its prerequisites, provides unlimited telephonic counseling on demand at $0 through the current partner. Up to three face-to-face counseling consultations per incident may be arranged when available. Virtual Primary Care adds a dedicated physician relationship, an annual virtual wellness visit, a health-risk assessment, and chronic-care and medication-management support when clinically appropriate. It requires active Rx, telemedicine, and counseling features. Review the calculator or Savings Guide to compare these options and their current price adjustments.

Choose local care for visits, tests, and prescriptions

For in-person care in Kanawha County, Southern West Virginia Health System lists family medicine, pediatric care, walk-in and same-day care, laboratory, and X-ray services at its Sand Plant Road site. Alum Creek Pharmacy is listed at that location, with a drive-through and weekday hours described by the provider. Confirm current services, hours, appointment or walk-in availability, prices, and payment arrangements before traveling.

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

Charleston also has CAMC hospital and outpatient locations, including facilities in or near ZIP code 25301. If you are considering a hospital service, ask for an estimate specific to the service and facility, and ask whether professional charges are included. CAMC’s posted standard charges and estimator are not patient-specific estimates of final out-of-pocket costs and may exclude separately billed provider services. ^www.cms.gov

Use SakeOf provider search to explore care options, then contact the provider directly about the service, appointment requirements, price, and payment arrangements. For a lab, imaging, specialist visit, or hospital service, ask whether facility, professional, and other charges are separate.

Get help reviewing a medical bill

If a bill is confusing or seems unusually high, Full Service advocacy can help verify the bill, review fair pricing, and support negotiation. Keep the bill and any estimate, then use the member support pathway to understand the charges and what next steps may be possible.

For hospital care, compare the estimate with the service details you were given and ask the facility which charges it includes. A facility estimate and the eventual bill can differ, particularly when professional or ancillary services are billed separately. CMS’s consumer information explains hospital price transparency; posted standard charges can help frame questions but are not a personalized final-cost quote. ^www.cms.gov

Understand support for larger eligible needs

For a larger eligible medical event, SakeOf’s approach may involve an applicable member commitment and voluntary community funding under the program’s rules. Full Service advocacy can assist with bill verification, fair-price review, and negotiation support as part of the process. Eligibility and handling depend on program terms and review, so use the Savings Guide or ask Jordan to walk through how the process applies to your situation.

For planned care, request a service-specific estimate and clarify whether facility, professional, lab, imaging, or other charges are included. Keep estimates, bills, and notes from provider conversations together so you have the details available when asking for support.

Consider additional membership options

Depending on your needs, optional features include Maternity Care, Dental and Vision Discounts, Chiropractic and Acupuncture, Physical and Occupational Therapy, and Durable Medical Equipment. Compare available options and current price adjustments with the calculator or Savings Guide before choosing what to add.

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

Choose your next step

• Compare membership options: Use the calculator and Savings Guide to review features and current price adjustments.
• Find a provider: Search local options, then call to confirm services, availability, prices, and payment arrangements.
• Plan a visit or test: Request a service-specific estimate and ask which separate charges may apply.
• Review a bill or larger event: Ask Jordan how Full Service advocacy and the applicable program process may help with your situation.