Healthcare after employer coverage ends in Elizabeth

Start with the care you need

SakeOf is a healthcare membership built around practical support: access to selected direct services or discounts, help making sense of medical bills, and voluntary member-to-member community funding for eligible expenses. Instead of starting every question with a complicated payment process, start with the kind of care you need and see which active membership options fit.

Your next step may be a virtual visit, a prescription question, an ongoing primary-care relationship, or a local appointment. SakeOf’s provider search and Jordan can help you explore options; confirm availability, services, and prices with providers before you book.

Use everyday-care options when they fit

If you need help with a common health concern, Zero Copay Telemedicine is an optional direct service when selected and active. Rx and Prescription Benefits and Mental Health and Counseling are also optional features. Their use depends on the feature being selected, active, eligible, and handled under the applicable program rules.

Virtual Primary Care offers a dedicated physician relationship with ongoing virtual follow-up, an annual virtual wellness visit and health-risk assessment, and chronic-care follow-up and medication-management support when appropriate for virtual care. This feature has a specific bundle requirement: Rx and Prescription Benefits, Zero Copay Telemedicine, and Mental Health and Counseling must remain active for the current bundled service tier.

A virtual visit can help you decide on a next step, but it does not turn every service into a virtual one. Labs, imaging, in-person follow-up, specialist care, or a medication that does not qualify under an active feature may involve separate providers and costs. Check the applicable feature details and ask the provider about fees before receiving services.

Connect membership options to Elizabeth-area care

For an in-person primary-care visit, Wirt County Family Care—identified by West Virginia as an FQHC site—is listed in Elizabeth at 483 Court Street, phone 304-275-3301. Call to confirm current services, hours, appointment availability, and payment arrangements. ^dhhr.wv.gov

For local public-health access, the Mid-Ohio Valley Health Department serves Wirt County. Contact the department directly to check current locations, services, and access details. ^{health.wv.gov} The state’s WIC directory also lists a Wirt County clinic in Elizabeth; confirm clinic hours and program access directly with WIC before visiting.

You choose where to seek in-person care. If a visit leads to labs, imaging, a specialist, or hospital care, ask each provider what the service will cost and whether separate professional or facility charges may apply. When you receive a bill, keep the itemized version; it helps clarify what was performed and who billed you.

Put advocacy and bill review to work

With Full Service, SakeOf offers advocacy and bill-support services that can help members review medical charges, check bills for accuracy and fair pricing, and seek negotiation support. The aim is to make a confusing bill easier to understand and give you a clearer path for addressing it—not to promise a particular price or outcome.

Save itemized bills and provider information. Submissions require an itemized bill, which should include service dates, CPT or HCPCS codes when available, and provider details. SakeOf may request records or other documentation to review eligibility, medical necessity, and fair pricing. Submit complete documents within six months of the service date; send balance bills, denials, or payment demands within 10 days of receiving them.

Understand support for larger eligible expenses

For larger medical events, Full Service combines membership support and voluntary community funding for eligible expenses, subject to program rules and the applicable member commitment. Review the Program Guide for the details that apply to your membership and expense. Keep documentation together and contact SakeOf for help understanding the review process.

Planning ahead matters for maternity. The optional Maternity Care feature is available with Full Service when offered and selected. It requires continuous active membership and an active maternity feature for at least 12 months before conception; the member responsibility is $5,000 per eligible pregnancy, with community sharing up to $25,000 after that responsibility, subject to program rules. Review the feature requirements before relying on it for a planned pregnancy.

Choose useful add-ons and take a next step

Depending on what you select and keep active, membership options also include dental and vision discounts, chiropractic and acupuncture, physical and occupational therapy, and durable medical equipment. These are distinct features with their own terms; check the current program details to see what applies to a particular service.

• Compare: Use the calculator and Savings Guide to explore membership options and feature adjustments.
• Find care: Use provider search, then call the provider to confirm services, appointment availability, and payment arrangements. For Wirt County Family Care, call 304-275-3301. ^dhhr.wv.gov
• Ask: Use Jordan or contact SakeOf to clarify how an active feature or bill-review process works.
• Prepare: Keep itemized bills and records, and review the Program Guide before a major planned event.

For an emergency, seek emergency care promptly. A routine membership or virtual-care process is not the right first step for an emergency.