Healthcare after employer coverage ends in Charleston

Start with the care you need

SakeOf is a healthcare membership built around practical ways to arrange care, choose providers, and get help understanding healthcare costs. Start with the immediate need: a new symptom, a prescription, ongoing care, an in-person test, or a bill that needs attention. Your selected, active membership options determine which direct services are available.

For a medically appropriate urgent concern, selected and active Zero Copay Telemedicine offers 24/7 access to urgent-care telemedicine, with unlimited medically appropriate consultations through the current service partner. A clinician can help determine whether virtual care fits the concern. If you need an examination, laboratory work, imaging, a specialist, or hospital care, you can choose a local provider and contact them about the service, availability, and payment arrangements. For an emergency, call 911 or go to an emergency department.

Make everyday care easier to arrange

Selected and active Rx and Prescription Benefits provide access to a current formulary of approximately 70 commonly prescribed acute medications at $0 when program requirements are met and the prescription is filled through the participating-pharmacy process. Check the current formulary and pharmacy tool before filling a prescription. Chronic-maintenance and other medications are not automatically included; non-formulary medications may have a separate cost.

Selected and active Mental Health and Counseling provides unlimited on-demand telephonic counseling at $0 through the current service partner. Up to three face-to-face counseling consultations per incident may be arranged when available. Psychiatry and medication costs are not included merely because counseling is active. The counseling option requires Rx and Prescription Benefits and Zero Copay Telemedicine to remain active.

Virtual Primary Care is an optional service with a $15 monthly adjustment. When active and its prerequisites are met, it offers $0 virtual primary-care access, 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 active Rx and Prescription Benefits, Zero Copay Telemedicine, and Mental Health and Counseling. These options can work together, but availability depends on selection, active status, eligibility, and program requirements.

Choose local care when you need to be seen

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 in Kanawha County. Alum Creek Pharmacy is listed at that site. Before traveling, contact the provider to confirm the service you need, hours, appointment or walk-in availability, pharmacy services, and payment arrangements.

For public-health services, the Kanawha-Charleston Health Department is listed at 108 Lee Street E, Charleston, WV 25301, phone 304-344-5243. The state lists weekday hours, including extended Tuesday hours. Call ahead to confirm that the service you need is available.

Charleston has CAMC hospital and outpatient facilities, including locations in or near ZIP code 25301. For a procedure, imaging, or another hospital service, request an estimate for the specific service and ask which facility and professional charges it includes. CAMC explains that posted standard charges are not patient-specific out-of-pocket estimates and may exclude separately billed professional services. ^www.cms.gov Local provider information does not establish what a SakeOf member will pay; ask the provider about pricing and payment arrangements directly.

Use advocacy to understand a bill

If a bill is unclear or seems high, Full Service advocacy can help verify the bill, review fair pricing, and support negotiation. Gather the itemized bill, any estimate, and provider correspondence so you can ask for help understanding the charges and available next steps. Advocacy supports the bill-review process; it does not guarantee a changed charge or a particular result.

For a larger medical event, the applicable member commitment and program rules matter. Voluntary community funding may be available for larger eligible events under those rules. Ask how the specific event is reviewed, what documentation is needed, and what member commitment applies before relying on the process. Event details, documentation, and program terms determine how it applies.

Match optional features to your needs

Depending on your plans, optional membership features may include Maternity Care, dental and vision discounts, chiropractic and acupuncture, physical and occupational therapy, or durable medical equipment. Each has its own monthly adjustment and program terms. Consider the care you expect to arrange, then check whether a feature is selected, active, and applicable before using it.

For state program information, WV PATH supports screening for and applications to programs including Medicaid and WVCHIP. West Virginia Medicaid member resources include information on managed care, transportation, and renewals; eligibility and benefits vary by program. ^bms.wv.gov These official resources can help you review state program information separately from your SakeOf membership choices.

Take a practical next step

• Feeling sick? Check whether active telemedicine is appropriate for the concern; use emergency services for emergencies.
• Need ongoing primary care? Review Virtual Primary Care and confirm its prerequisites and active status.
• Need a prescription? Check the current formulary and participating-pharmacy process before filling it.
• Need a local visit, lab, or imaging? Contact the provider to confirm availability, pricing, and payment arrangements.
• Have a major bill or event? Gather the documents and ask about Full Service advocacy, applicable commitments, and eligibility under program rules.

Use the SakeOf calculator and Savings Guide to explore membership choices, provider search to look for care, or Jordan to decide what to review next. Then compare membership options and confirm which features fit your needs.