Healthcare options for contractors in Charleston

Build your care plan around what you need

SakeOf is a healthcare membership for arranging practical everyday care, choosing providers for in-person needs, and getting help making sense of healthcare costs. You can start with the need in front of you—a new symptom, ongoing primary care, a prescription, a local visit, or a bill to review—and then check which membership features are active and fit that need.

This can make the next step more direct: use virtual care when appropriate, decide where to go in person when it is not, and keep the relevant details together if a bill needs review. Use the calculator to explore membership options, the Savings Guide for cost and bill-review steps, provider search to find care options, or Jordan to ask how a feature works.

Start with everyday care when virtual services fit

When selected and active, Zero Copay Telemedicine provides 24/7 urgent-care telemedicine with unlimited medically appropriate consultations through the current service partner. A clinician can assess whether the concern is appropriate for a virtual visit and suggest a next step. If you need a physical examination or another service that cannot be handled virtually, choose an in-person provider instead; emergencies call for emergency care.

When selected and active, Mental Health and Counseling provides unlimited on-demand telephonic counseling through the current service partner. Up to three face-to-face counseling consultations per incident may be arranged when available. Counseling is a way to reach counseling professionals; it does not by itself include psychiatry, inpatient behavioral health, emergency psychiatric care, or medication costs.

If you want an ongoing primary-care relationship, Virtual Primary Care provides $0 virtual primary-care access, a dedicated physician relationship, an annual virtual wellness visit, and a health-risk assessment. It also includes chronic-care follow-up and medication-management support when clinically appropriate for virtual care. This feature requires Rx and Prescription Benefits, Zero Copay Telemedicine, and Mental Health and Counseling to remain active.

Check the prescription details before filling

When Rx and Prescription Benefits is selected and active, listed acute medications may be available at $0 when prescribing and dispensing requirements are met and the participating-pharmacy process is followed. The current formulary determines whether a specific medication qualifies. Check the current pharmacy tool before filling a prescription, since formulary content, participating pharmacies, and program rules may change.

The feature is designed primarily for medications commonly prescribed for acute conditions. A medication outside the active formulary is not automatically $0; chronic-maintenance, specialty, and other medications are included only if a separate active program expressly provides them. If you are unsure, use the pharmacy tool or ask Jordan how to check the medication against the current program details.

Choose in-person care in Charleston when needed

Virtual care is not the right setting for every need. You can choose an in-person provider for services such as an examination, laboratory work, imaging, specialist care, or hospital services. The Kanawha-Charleston Health Department is listed at 108 Lee Street E, Charleston, WV 25301, and its listed phone number is 304-344-5243. Call to confirm current hours and whether it provides the service you need before visiting. ^bms.wv.gov

Before arranging a local visit, ask the provider whether an appointment is needed, whether the specific service is available, what payment arrangements are accepted, and what the service will cost. Ask whether facility and professional charges are separate, and whether laboratory or imaging services may be billed separately. A service-specific estimate can help you understand expected charges, but it may not include every separately billed service.

Hospital price-transparency information can help you review posted standard charges and estimates, but those figures are not necessarily a patient-specific final cost and may exclude separate professional services. CMS explains hospital price-transparency information and consumer resources. ^www.cms.gov Keep estimates and bills together in case you later want help reviewing them.

Use Full Service when a bill needs a closer look

SakeOf Full Service can provide advocacy, bill verification, fair-price review, and negotiation support, subject to the applicable member commitment and program rules. If a bill is confusing or seems high, gather the bill, details of the services, and provider contact information. A clear record makes it easier to identify which charges need explanation and what support may apply.

For planned care, request a service-specific estimate and ask which facility, professional, laboratory, or imaging charges it includes. For a bill already received, ask the provider to clarify the services and charges shown. Then explore Full Service support through your membership. The calculator and Savings Guide can help you consider options and prepare questions; use Jordan if you want help understanding how a membership feature works.

Understand support for larger eligible needs

For larger medical events, Full Service can help with bill verification, fair-price review, and negotiation support. Larger eligible events may also involve a member commitment and voluntary community funding under the applicable program rules. Whether an event is eligible and how it is handled depend on those rules; do not assume that a particular service or bill will qualify.

Keep the records related to the event, including bills, service details, and provider communications. Review membership options to understand which features are active, and use the Savings Guide or Jordan to identify a useful next step. Care may also involve separate costs for follow-up visits, medicines, tests, or other providers, so ask about charges as you arrange services.

Explore options for your household

Depending on your needs, membership options may include maternity care, dental and vision discounts, chiropractic and acupuncture, physical and occupational therapy, and durable medical equipment. These are feature options; check the calculator and current membership details to see what you can select and how each option works. If a feature is inactive, services or discounts tied to it are not included during that inactive period.

West Virginia residents can use WV PATH to screen for and apply to programs including Medicaid and WVCHIP; eligibility and benefits vary by program. ^bms.wv.gov The state Bureau for Medical Services also publishes Medicaid member resources, including information about managed care, transportation, and renewals. ^bms.wv.gov

• Use the calculator to explore membership options and feature adjustments.
• Open the Savings Guide for practical cost and bill-review steps.
• Use provider search to explore care options, then contact providers to confirm services and prices.
• Ask Jordan how a feature works or review membership options before enrolling.