Healthcare when you work for yourself in Haywood

Make a care plan that starts with your needs

SakeOf is a healthcare membership that combines practical care services, provider choice, help understanding medical bills, and—in Full Service—support for larger eligible needs. It offers a way to approach care without making a traditional insurance-first process the only starting point. Your next step can depend on what you need: a prompt conversation about a new concern, ongoing primary care, a prescription, an in-person service, or help making sense of a bill.

Membership features depend on what you select and keep active. Use the calculator and Savings Guide to compare options, search for providers, or ask Jordan to help you understand enrollment choices.

Use everyday services when they fit

Selected and active Zero Copay Telemedicine provides 24/7 access to urgent-care consultations through the current service partner, with unlimited consultations when medically appropriate. It can offer a convenient first step for a concern that is suitable for virtual assessment. If the concern needs an examination or another in-person service, choose a provider and contact the office about availability and arrangements.

Selected and active Rx and Prescription Benefits may provide access to medication benefits through the current service partner, including certain acute medications at participating pharmacies. Availability and any costs depend on the program and prescription. Before filling a prescription, check that the feature is active and ask the pharmacy about eligibility, the medication, and its price.

Mental Health and Counseling, when selected and active, includes telephonic counseling and may include up to three face-to-face consultations per incident when arranged and available. Counseling can provide immediate support, follow-up, and referral to community resources when more care is needed. Check your membership materials for how to access the active service.

Virtual Primary Care is an optional service with a dedicated physician relationship, an annual virtual wellness visit, a health-risk assessment, chronic-care follow-up, and medication-management support when clinically appropriate for virtual care. The current bundled service tier requires Rx and Prescription Benefits, Zero Copay Telemedicine, and Mental Health and Counseling to remain active. Virtual Primary Care has a listed $15 monthly adjustment; compare current membership options before enrolling.

Choose local care for in-person needs

Virtual services do not determine whether a particular condition needs in-person care. For an examination, lab, imaging, specialist visit, or other local service, you can choose a provider based on your needs and contact the office directly to check availability, services, appointment requirements, and payment arrangements.

In Clarksburg, Community Care lists primary care, chronic disease management, walk-in care, and pharmacy services at 700 Oakmound Road; call 304-623-6330 to confirm current hours and services before visiting. Health Access Free Clinic describes itself as a free and charitable clinic at 489 Washington Avenue; call 304-622-2708 to ask about current services and eligibility. These are Clarksburg resources, not services located in Haywood.

Harrison-Clarksburg Health Department lists clinical and environmental health services at 330 W Main Street in Clarksburg and weekday hours of 8 a.m. to 4 p.m.; call 304-623-9308 to confirm current details. Eligible Veterans can contact the Louis A. Johnson VA Medical Center in Clarksburg to ask about enrollment, available services, and costs. For hospital care, United Hospital Center is in Bridgeport. For planned services, ask the facility for a service-specific estimate and whether professional or ancillary charges are included.

A pharmacy benefit or virtual visit does not by itself settle the cost or handling of separate labs, imaging, follow-up, specialist care, or medications outside the applicable benefit. For planned care, contact SakeOf in advance when reasonably possible and request an estimate from the provider.

Get help reviewing bills and prices

Full Service includes advocacy, bill verification, fair-price review, and negotiation support. SakeOf reviews eligibility, medical necessity, documentation, and price fairness, and may negotiate or reprice medical bills. This can help members work through a confusing charge with a review process rather than interpreting every bill line alone.

Gather an itemized bill with service dates, provider information, and CPT or HCPCS codes when available. SakeOf may also request medical records, clinical notes, billing records, or other documentation. Submit complete documents within six months of the service date; submit balance bills, denials, or payment demands within 10 days of receiving them. For planned care, contact SakeOf beforehand when reasonably possible.

Know how larger eligible needs are approached

Full Service is designed to support everyday medical needs as well as larger health events. After the applicable member commitment, eligible expenses may be considered for voluntary community funding under program rules. Funding is voluntary and is not guaranteed; the program review determines whether an expense is eligible. Ask SakeOf how the member commitment applies to care you are planning.

For hospital care at United Hospital Center in Bridgeport, request an estimate for the specific service and ask whether related clinician or ancillary charges may be separate. WVU Medicine publishes financial-assistance information and cost resources; confirm current terms and application steps directly with the hospital. An estimate may not represent the final bill.

Match optional features to your household

Optional features can be selected during enrollment. Maternity Care is available as an option. Other options include dental and vision discounts, chiropractic and acupuncture, physical and occupational therapy, and durable medical equipment. Each feature has its own terms and applies only when selected, active, and eligible. Services or equipment may involve separate expenses; check how a specific charge is handled before proceeding.

For West Virginia Medicaid or WVCHIP, WV PATH supports screening and applications. The state Bureau for Medical Services provides member resources, including information about managed care, transportation, and renewals. These are statewide resources; check current eligibility and program details through the state.

Take the next useful step

• For a new concern: Check whether active Zero Copay Telemedicine fits the situation, or contact a local provider about in-person availability.
• For ongoing care: Compare Virtual Primary Care with local primary-care services and confirm the required features are active.
• For a prescription: Check the active Rx feature and confirm medication availability and price with the pharmacy.
• For a planned service or hospital care: Request a service-specific estimate and contact SakeOf in advance when reasonably possible.
• For a confusing bill or larger event: Keep itemized bills and records, review the applicable timelines, and ask SakeOf about the process.
• To explore membership: Compare options with the calculator and Savings Guide, search for providers, or ask Jordan about enrollment.