Healthcare when you work for yourself in Huntington

Start with the care you need

SakeOf is a healthcare membership designed to make care easier to organize and costs easier to understand. Instead of beginning with an insurance-first process, members can start with the kind of help they need, use active membership services when appropriate, and choose a provider for care that needs to happen in person.

The practical sequence is simple: address an everyday concern through an available virtual service if it fits; use a local clinician, clinic, or hospital when an exam or other in-person service is needed; then use SakeOf support to review eligible bills and understand next steps. Your active membership options and the Program Guide determine which services and expenses may qualify.

Use virtual care for appropriate everyday needs

Zero Copay Telemedicine is designed for common, non-emergency illnesses and symptoms suitable for a virtual consultation. Provider availability, clinical appropriateness, technology, state law, and prescribing rules still apply. If a clinician recommends an exam, lab, imaging, specialist, or other in-person follow-up, those services are separate from the telemedicine consultation unless another active benefit applies.

When the related benefits are selected and active, Rx and Prescription Benefits may provide listed formulary medications at $0 through the participating-pharmacy process when prescribing and dispensing requirements are met. Check the current pharmacy tool before filling a prescription: a medication outside the active formulary is not automatically $0 or eligible for community sharing.

Mental Health and Counseling may include problem assessment, supportive counseling, follow-up when available, and crisis support. If ongoing care calls for another level of help, referrals may point toward behavioral-health plans or local resources. Psychiatry, medication costs, inpatient behavioral health, and other separately described services are not included simply because counseling is active.

Virtual Primary Care is an optional service with a $15 monthly adjustment. When active with the required bundled services, it offers virtual primary-care access, a continuing physician relationship, an annual virtual wellness visit, and follow-up support for appropriate chronic-care and medication-management needs.

Choose in-person care around Huntington

When you need a physical exam, urgent evaluation, specialist, test, or hospital service, you can choose a provider that fits your needs. In Huntington, Cabell Huntington Hospital is at 1340 Hal Greer Blvd, and St. Mary’s Medical Center is at 2900 First Avenue. Both publish standard-charge information and patient-estimate tools; ask what an estimate includes and whether clinician or ancillary charges may be separate.^www.cms.gov

For walk-in options, Marshall Health lists services at Marshall University Medical Center, 1600 Medical Center Drive. CHH Family Urgent Care is at 2 Stonecrest Drive; the health system lists daily hours of 8 a.m. to 8 p.m. Confirm current hours, availability, and service details directly before going.^www.cms.gov

For county public-health services, the Cabell-Huntington Health Department lists clinical services including immunizations and testing, and says most clinic services require appointments. Call ahead to confirm what is currently offered and how to schedule. For any local provider, ask about payment arrangements and whether the service needs a separate appointment or referral.

When comparing hospital estimates, ask which facility and professional services are included, what assumptions were used, and whether additional charges could follow. A published estimate can help with planning, but it may not equal the final amount owed.

Get help when a bill is hard to understand

For eligible expenses, SakeOf Full Service advocacy can help members review bills, verify charges, consider fair pricing, and pursue negotiation support. If you receive an itemized bill, keep the service dates, provider information, and procedure codes when available; these details can help the review process.

Documentation matters. SakeOf may request medical records, clinical notes, billing details, or a signed release to review eligibility, medical necessity, and fair pricing. Submit complete documents within six months of the service date. Submit a balance bill, denial, or payment demand within 10 days of receiving it.

For a large eligible event, the applicable member commitment and the Program Guide’s rules are part of the process. Voluntary community funding may help with eligible larger events, but it is not guaranteed. Use the Savings Guide or ask Jordan how the review sequence works before you submit a bill.

Plan ahead for bigger and ongoing needs

If you are planning for pregnancy, check the maternity rules before care begins. Potentially eligible expenses include routine prenatal visits, medically necessary prenatal testing, standard diagnostic ultrasounds, delivery charges, and routine pregnancy-related postpartum care through six weeks, subject to the maternity limit and other rules. Pregnancy must begin after the continuous 12-month maternity waiting period is completed; adding or restoring the feature after conception does not make that pregnancy eligible.

For physical or occupational therapy, the optional feature applies to medically necessary services from an appropriately licensed therapist. It has a shared limit of 12 visits and a $780 annual maximum across the enrolled membership; eligible visits use a $35 feature-specific member responsibility instead of the standard $500 event commitment. An order, referral, or plan of care may be needed when clinically appropriate or required by law.

Take a useful next step in 25702

• For a common, non-emergency concern: Check whether Zero Copay Telemedicine is active and appropriate for your symptoms.
• For a visit or test in Huntington: Search providers, then confirm availability, hours, service details, and payment arrangements directly with the location.
• For a hospital estimate: Review the facility’s estimate tool and ask what charges are included.
• For a bill or major event: Review the Program Guide, gather itemized documents, and contact Jordan about the next step.
• For state program information: WV PATH supports screening and applications for Medicaid and WVCHIP; West Virginia Medicaid member resources include information about managed care, transportation, and renewals.^bms.wv.gov

Use the calculator to explore membership options, the Savings Guide to understand the care sequence, or provider search to identify a place to start.