Healthcare options for contractors in Charleston

A more direct starting point for everyday care

SakeOf is a healthcare membership that helps members organize everyday care, choose providers, and work through medical bills. Rather than making a complicated payment process the first step for every question, members can consider what kind of care fits the situation: an appropriate virtual service, a participating pharmacy for an eligible prescription, or a local provider for an exam, test, or other in-person service.

Provider choice remains part of the process. You can contact a local provider about the service you need, ask what it may cost, and decide how to proceed. SakeOf features can add virtual services, discounts, and bill-review support when selected and active. Use the calculator, Savings Guide, provider search, or Jordan to explore membership options and plan a next step.

Use virtual services for suitable needs

When Zero Copay Telemedicine is active, the current service partner offers 24/7 urgent-care telemedicine, with unlimited medically appropriate consultations and board-certified physicians licensed in the member’s state. It can be a useful starting point for an acute concern that can be addressed virtually. Follow the partner’s access instructions and use in-person or emergency care when the situation calls for it.

Mental Health and Counseling, when active with its required features, provides unlimited on-demand telephone counseling through the current partner at $0 member cost. Up to three face-to-face counseling consultations per incident may be arranged when available. The feature requires active Rx and Prescription Benefits and Zero Copay Telemedicine.

Virtual Primary Care adds a dedicated physician relationship, an annual virtual wellness visit, a health-risk assessment, and follow-up for chronic care and medication management when clinically appropriate. It requires active Rx and Prescription Benefits, Zero Copay Telemedicine, and Mental Health and Counseling. Virtual primary care can support ongoing virtual care; it does not turn a service requiring an examination, lab, or imaging into a virtual visit.

Check prescription details before filling

When Rx and Prescription Benefits is selected and active, the current service partner’s acute formulary includes approximately 70 medications available at $0 when program, prescribing, dispensing, and participating-pharmacy requirements are met. Check the current formulary and pharmacy tool for the specific medication and location before filling it. A pharmacy’s presence nearby does not by itself establish that it participates in the benefit.

The benefit is designed primarily for commonly prescribed acute medications. Chronic-maintenance, specialty, and other medicines outside the active formulary are not automatically $0; a separate active program must expressly provide them. For a local pharmacy option, Alum Creek Pharmacy is listed at Southern West Virginia Health System’s Sand Plant Road site, which also lists a drive-through and weekday hours. Confirm current hours, prescription services, and participation directly before relying on it.

Find local in-person care in Kanawha County

Virtual care cannot provide every exam or service. Southern West Virginia Health System lists family medicine, pediatric care, walk-in and same-day care, laboratory, and X-ray at its Sand Plant Road location in Kanawha County. Contact the site to confirm the service you need, appointment or walk-in availability, hours, and payment arrangements before traveling.

For public-health services in Charleston, the Kanawha-Charleston Health Department is listed at 108 Lee Street E, Charleston, WV 25301, phone 304-344-5243. Call to confirm the service you need and current hours. These are Charleston and Kanawha County resources; they should not be read as services located within ZIP 25312.

Charleston also has CAMC hospital and outpatient locations, including facilities in or near ZIP 25301. CAMC publishes standard-charge information and an estimator, but posted charges are not patient-specific out-of-pocket estimates and may exclude separately billed professional services. Ask for an estimate for the specific service and location, and clarify which facility and professional charges it includes. CAMC lists Patient Financial Services at 304-388-7530 for estimate questions. ^www.cms.gov

Get help understanding a bill or estimate

Full Service advocacy can help members verify bill details, review fair pricing, and receive negotiation support. If a bill is confusing, gather the itemized bill, any estimate, and details about the service, then request a review through the membership’s available support process. Advocacy can help you work through the information and possible next steps; it does not guarantee a lower bill or a change in a provider’s charges.

Before a planned service, ask the provider for a service-specific estimate and keep the written details. Afterward, compare the itemized bill with the estimate and ask the provider about differences. For hospital services, check whether the estimate includes separate professional or ancillary charges. Keeping those details together can make a membership bill review more useful.

Know how larger eligible needs are approached

For a larger eligible medical event, SakeOf’s process includes an applicable member commitment and may include voluntary community funding. The Program Guide, documentation, and program rules determine how the process applies to a particular event. Funding is voluntary and is not guaranteed. Review the relevant membership details and keep records of estimates, provider communications, and bills as you work through the process.

Members can also explore optional features including Maternity Care, dental and vision discounts, chiropractic and acupuncture, physical and occupational therapy, and durable medical equipment. Availability depends on the feature being selected, active, and used according to its terms. Use the calculator or Savings Guide to compare options, and use provider search or Jordan to explore a practical next step for your situation.

Take a practical next step

• For an acute concern: Check whether Zero Copay Telemedicine is active and follow the current partner’s access instructions if virtual care is appropriate.
• For ongoing virtual care: Review Virtual Primary Care and its active-feature requirements.
• For a prescription: Check the current formulary and participating-pharmacy tool before filling it.
• For a local visit or test: Contact the provider to confirm services, availability, hours, and payment arrangements.
• For an estimate or bill: Request itemized details and use Full Service support when a review may help.
• To explore membership choices: Use the calculator, Savings Guide, provider search, or Jordan.