Healthcare after employer coverage ends in Charleston

Put everyday care on a more direct path

SakeOf is a healthcare membership built to help members organize everyday care, choose providers, and get support understanding healthcare bills. Rather than making one process the starting point for every need, members can use selected direct services for appropriate virtual care, choose where to seek in-person services, and turn to Full Service advocacy when a bill needs attention.

Your first step can be simple: identify whether you need advice for a new symptom, a prescription, ongoing primary care, an in-person service, or help reviewing a bill. The features you select and keep active shape which services are available to you. The calculator and Savings Guide can help you compare membership options and see which features fit your household’s priorities.

Use virtual services for suitable everyday needs

When Zero Copay Telemedicine is selected and active, the current service partner offers 24/7 urgent-care telemedicine with unlimited medically appropriate consultations at no member cost. It can be a convenient first step for an acute concern that is appropriate for virtual care. A clinician can advise when an in-person evaluation is the better next step.

When Rx and Prescription Benefits is active, the current acute-medication formulary includes about 70 commonly prescribed medications. A listed medication may be available at no cost when prescribing, dispensing, and participating-pharmacy requirements are met. Check the current formulary and pharmacy process before filling a prescription; ongoing maintenance medicines and medications outside the active formulary are not automatically included at no cost.

Mental Health and Counseling provides unlimited on-demand telephonic counseling at no member cost when active with its required companion features. Up to three face-to-face counseling consultations per incident may be arranged when available. Virtual Primary Care offers a dedicated physician relationship, an annual virtual wellness visit, a health-risk assessment, and chronic-care follow-up and medication-management support when appropriate for virtual care. It requires active Rx, telemedicine, and counseling features.

Choose local in-person care when it fits

Members choose where to seek an in-person exam, lab, X-ray, specialist visit, or hospital service. For care near Charleston, Southern West Virginia Health System lists its Sand Plant Road site in Kanawha County for family medicine, pediatric care, walk-in and same-day care, laboratory, and X-ray services. Alum Creek Pharmacy is listed at the site, with a drive-through and weekday hours. Contact the site to confirm current services, availability, hours, prescription services, payment arrangements, and prices before traveling.

The Kanawha-Charleston Health Department is listed at 108 Lee Street E, Charleston, WV 25301, with phone number 304-344-5243. The state listing includes weekday hours and extended Tuesday hours. Call to confirm current hours and whether the service you need is available before visiting.

For a hospital or outpatient service, ask the facility for a service-specific estimate and check which facility and professional charges it includes. CAMC publishes price-transparency information and offers an estimator; its posted standard charges are not patient-specific out-of-pocket estimates and may exclude separately billed provider services. CAMC Patient Financial Services can be reached at 304-388-7530. A lab, imaging study, specialist, or follow-up visit may involve charges beyond a virtual service or prescription benefit. ^www.cms.gov

Get practical support with healthcare bills

Full Service advocacy can help members verify bills, review whether pricing appears fair, and receive negotiation support. If a charge is unfamiliar or a bill does not seem to match the care received, gather the itemized bill and related records, then use the available advocacy process to request a review.

When planning a procedure or other major service, ask the provider for a proposed care plan and estimate. Find out whether separate charges may come from the facility, clinicians, anesthesia, imaging, laboratory work, or follow-up care. Clearer billing details give you and the advocacy team a more useful starting point for review and discussion.

Know how support works for larger eligible needs

For larger eligible medical events, SakeOf’s approach includes the applicable member commitment and may involve voluntary community funding, subject to program rules and eligibility review. Full Service advocacy can assist with bill verification, fair-price review, and negotiation support as part of the process. Explore current membership options and ask Jordan about the process and terms that apply to you.

If you expect a significant service, collect estimates and proposed charges early and keep the related documents together. Confirm details directly with the provider, then use SakeOf’s support process to understand the next steps for your eligible event.

Explore features and take your next step

Optional features can also include maternity care, dental and vision discounts, chiropractic and acupuncture, physical and occupational therapy, and durable medical equipment. Availability depends on the features selected, active status, eligibility, and program rules. The calculator and Savings Guide can help you explore how these options fit alongside everyday-care features.

• Choosing features: Use the calculator to explore membership options and the Savings Guide to understand the care pathways.
• Finding local care: Use provider search, then contact the provider to confirm services, hours, payment arrangements, and pricing.
• Have a membership question? Ask Jordan or review membership options to decide what to explore next.
• Checking public programs: WV PATH provides screening and applications for programs including Medicaid and WVCHIP. Eligibility and benefits vary.