Healthcare when you work for yourself in Charleston

A more direct way to organize everyday care

SakeOf is a healthcare membership designed to make everyday care easier to approach. Members can select options for virtual care and other services, choose providers for in-person care, and get support reviewing medical bills. Rather than beginning with an insurance-first process, start with the care you expect to use and the membership options that fit your household.

Use the calculator to explore options and monthly adjustments, and read the Savings Guide for a plain-language overview. Before relying on a service, check that its feature is selected and active and review the current program details. For local care, provider search can help you explore choices; contact the provider to confirm services, availability, prices, and payment arrangements.

Use virtual care for appropriate everyday needs

When Zero Copay Telemedicine is active, the current service partner describes 24/7 urgent-care telemedicine with unlimited medically appropriate consultations. It can be a convenient first step for a non-emergency concern. A clinician can advise whether in-person care is needed; emergencies call for emergency services, not routine telemedicine.

Virtual Primary Care offers $0 virtual primary-care access when active, including a dedicated physician relationship, an annual virtual wellness visit, a health-risk assessment, and chronic-care follow-up and medication-management support when clinically appropriate. It requires Rx and Prescription Benefits, Zero Copay Telemedicine, and Mental Health and Counseling to remain active. If you want a continuing virtual-care relationship, check these prerequisites and compare the feature with local in-person options.

Check prescription and counseling details

Active Rx and Prescription Benefits can provide listed acute medications at $0 when prescribing, dispensing, and participating-pharmacy requirements are met. The current formulary controls whether a particular medication is included; verify it and the pharmacy through the current program tool before filling a prescription. The feature is designed primarily for acute medications, so do not assume a medication outside the active formulary is included.

Mental Health and Counseling provides unlimited on-demand telephonic counseling at $0 for included access when active. The current service partner also describes up to three face-to-face counseling consultations per incident when arranged and available. Psychiatry, inpatient or emergency behavioral health, testing, residential treatment, and medication costs are not included merely because counseling is active. Check the feature requirements: Rx and Prescription Benefits and Zero Copay Telemedicine must remain active.

Choose local care and check costs before you go

For in-person primary care, walk-in or same-day care, tests, or pharmacy services, Southern West Virginia Health System’s Sand Plant Road location in Kanawha County lists family medicine, pediatric care, walk-in and same-day care, laboratory, and X-ray services. The site also lists Alum Creek Pharmacy, with a drive-through and weekday hours. Contact the location to confirm the service you need, current availability, appointment requirements, hours, prices, and payment arrangements before traveling.

The Kanawha-Charleston Health Department is listed at 108 Lee Street E, Charleston, WV 25301, phone 304-344-5243. The state listing includes weekday hours and extended Tuesday hours; call to confirm the service and current hours you need. The West Virginia Department of Health website also provides statewide public-health information and field-office resources.

Charleston has CAMC hospital and outpatient locations. For a planned service, request an estimate for the specific facility and service, and ask whether it includes professional, ancillary, or separately billed charges. CAMC’s Patient Financial Services number is 304-388-7530. Hospital standard-charge information and estimates may not reflect a patient’s final out-of-pocket cost or include separately billed provider services; confirm what the estimate covers. ^www.cms.gov

Get help reviewing a bill

If a bill is confusing or seems unusually high, SakeOf Full Service offers bill verification, fair-price review, and negotiation support. This can help you understand the charges and discuss next steps with the provider. Keep itemized bills, estimates, and provider communications together. For a planned test or procedure, ask which services are included and whether separate professional or ancillary charges may follow.

Full Service support does not guarantee a particular price, reduction, or result. Ask how it applies to your bill and membership. A clear estimate and itemized bill can make it easier to review what you were charged for against the services you received.

Plan for larger eligible needs and changing priorities

For larger eligible medical events, SakeOf applies the member commitment specified for the applicable program. Voluntary community funding may be available for eligible larger events under program rules; it is not guaranteed. Check current membership materials for the applicable commitment, eligibility, and process, and ask Full Service about bill-review support for your situation.

Other optional features may fit different household needs: Maternity Care; Dental and Vision Discounts; Chiropractic and Acupuncture; Physical and Occupational Therapy; and Durable Medical Equipment. Each applies only when selected, active, and eligible under its program rules. The calculator can help you compare the monthly adjustments with the services you expect to use.

• Explore options with the calculator and read the Savings Guide.
• Use provider search to identify care options, then confirm availability, prices, and payment arrangements directly.
• Ask Jordan a question or review membership options when you are ready.
• For state program information, WV PATH supports screening and applications for Medicaid and WVCHIP; eligibility and benefits depend on the program. The Bureau for Medical Services provides Medicaid member resources. ^bms.wv.gov