A different way to healthcare in Hiawatha

A member-first approach to care in Hiawatha

SakeOf is a healthcare membership that brings together practical care services, help reviewing bills, and voluntary community sharing for eligible medical expenses. Rather than making insurance paperwork the first step in every care decision, members can start with the kind of help they need: a virtual visit, a prescription, an in-person appointment, or support understanding a charge.

Your membership combines selected services and features with advocacy and fair-price review. For eligible larger expenses, voluntary member-to-member community funding may also be available under program rules. The useful first move is to choose a care path, check which membership features are active for you, and ask for support before planned higher-cost care when reasonably possible.

Start with the everyday care you need

If a health concern may be appropriate for a virtual visit, Zero Copay Telemedicine is an optional feature with a monthly adjustment of $8 when selected and active. A virtual visit may be a convenient first conversation, but the next step could still involve a local in-person exam, lab, imaging, or specialist visit. Those services have their own provider charges and should be discussed with the provider.

For ongoing primary-care support, Virtual Primary Care has a monthly adjustment of $15 and includes virtual access through the current service partner, a dedicated physician relationship, follow-up support, an annual virtual wellness visit, and health-risk assessment. The current bundled service tier requires Rx and Prescription Benefits, Zero Copay Telemedicine, and Mental Health and Counseling to remain active. Virtual care is not appropriate for every need, and a clinician may direct you to in-person care.

Rx and Prescription Benefits are an optional feature with a $10 monthly adjustment. Ask how a specific medication is handled before relying on a benefit; a prescription may involve a separate pharmacy charge, and medication costs are not automatically part of counseling. Mental Health and Counseling, with a $6 monthly adjustment, may include problem assessment, supportive counseling, follow-up when available, crisis support, and referrals when more care is needed. The membership guide also identifies telephonic legal and financial consultation resources as ancillary services.

Use nearby in-person care when you need it

Hiawatha is a small community, so some care may mean traveling to a nearby community. Bluestone Health Association lists Prudich Medical Center in Montcalm. Before making the trip, call the clinic to confirm current services, hours, appointment availability, and payment arrangements. The research available for this guide does not establish a particular mobile-clinic schedule.

In Bluefield, Mercer County Health Department and Blue Prince Family Health are local points of contact for county public-health and family-clinic services. Blue Prince lists primary and preventive care, immunizations, and screening services; contact the department to confirm what is currently offered and how appointments work. The department is at 978 Blue Prince Road, Bluefield, WV 24701, and its listed phone number is 304-324-8367.

For hospital and outpatient services, WVU Medicine Princeton Community Hospital is at 122 12th Street Ext, Princeton, WV 24740. Contact the hospital to verify the service you need, appointment availability, billing arrangements, and financial-counseling options. You remain free to choose a provider. Before non-emergency planned care, ask the provider for an estimate and ask SakeOf how to prepare for bill review. Emergency needs call for emergency care; do not wait for a routine membership workflow.

Get help making sense of a medical bill

Full Service includes advocacy and bill review. SakeOf reviews submitted expenses for eligibility, medical necessity, documentation, and price fairness, and may negotiate or reprice a bill. For planned higher-cost care, contact SakeOf in advance when reasonably possible so you can understand what information may be needed and how to prepare.

Keep itemized bills and provider details. Submissions require an itemized bill with service dates, provider information, and CPT or HCPCS codes when available. SakeOf may request records or other documentation to review an expense. Complete documents should be submitted within six months of the service date; submit balance bills, denials, or payment demands within 10 days of receiving them.

Princeton Community Hospital publishes standard-charge information, but published charges are not a personalized quote or a final estimate of what an individual will owe. Ask the hospital about an estimate and financial assistance directly, and ask SakeOf how to submit a planned expense for review. A price estimate, review, or negotiation does not guarantee a particular final price.

Understand support for larger eligible expenses

For larger eligible medical events, Full Service combines advocacy and fair-price review with voluntary community funding, subject to program rules and the applicable member commitment. The amount of that commitment and any sharing eligibility depend on the program and circumstances; check your Program Guide or ask SakeOf before assuming a bill will qualify. Keep your membership active, fund required asks, and provide requested documentation promptly.

Major Medical Only is another SakeOf membership program. Compare program details and the options available to you before enrolling. No provider payment, sharing, or eligibility outcome is guaranteed; SakeOf makes determinations based on documentation, clinical review, and its Program Guide.

Choose optional features around your household’s needs

Optional features can add targeted services when selected, active, eligible, and used under program rules. Dental and Vision Discounts have a $9 monthly adjustment; Chiropractic and Acupuncture, $14; Physical and Occupational Therapy, $11; and Durable Medical Equipment, $7. Confirm the feature details and provider arrangements before scheduling or purchasing. An expense paid or discounted through an optional feature cannot also be counted as a separate sharing request for the same charge unless SakeOf expressly approves an eligible remaining balance.

Maternity Care has an $18 monthly adjustment and is available with Full Service when offered and selected. It requires continuous active selection for at least 12 months before conception; adding it after conception does not make that pregnancy eligible. The feature has a $5,000 member responsibility per eligible pregnancy and a community-sharing limit of up to $25,000 after that responsibility, subject to the program rules. Review the maternity rules in advance if you are considering this option.

Take a practical next step

• Need care now? Identify whether a virtual or in-person visit is appropriate; seek emergency care for emergencies.
• Considering a local clinic? Call Prudich Medical Center in Montcalm or Mercer County Health Department in Bluefield to confirm services, appointments, and payment arrangements.
• Planning tests or hospital care? Ask the provider for a cost estimate and contact SakeOf in advance when reasonably possible.
• Have a confusing bill? Gather the itemized bill and service details, then ask SakeOf about review and required documents.
• Choosing a membership? Use the calculator and Savings Guide, search providers, ask Jordan a question, and compare Full Service, Major Medical Only, and optional features before enrolling.