Healthcare after employer coverage ends in Huntington

A practical way to organize care

SakeOf is a healthcare membership built around useful ways to arrange everyday care, choose providers, and get support with medical bills. Instead of making every care question a search for a facility first, members can start with the kind of help they need: a remote assessment for a common illness, an ongoing virtual primary-care relationship, a local in-person visit, or assistance reviewing a bill.

Your membership options determine which features are active. The calculator and Savings Guide can help you compare those options against the care you expect to use. Provider search and Jordan can help you explore care routes and current membership choices.

Start with everyday care

For a common, non-emergency illness or symptom that is appropriate for remote care, Zero Copay Telemedicine offers a convenient first step when active. A clinician can assess the concern and may prescribe when clinically appropriate and legally permitted. If an exam, lab, imaging, procedure, or specialist visit is recommended, you can choose where to pursue that in-person care.

When Rx and Prescription Benefits are active, medications on the current formulary may be available at $0 through the participating-pharmacy process when prescribing and dispensing requirements are met. Check the current pharmacy tool before filling a prescription because formularies, participating pharmacies, and program rules can change. A medication outside the formulary may have a negotiated or discount price, but isn’t automatically available at $0.

Mental Health and Counseling may include problem assessment, supportive counseling, follow-up when available, crisis support, and referrals to appropriate behavioral-health plans or local community resources. Members who want continuing virtual primary care can consider Virtual Primary Care: it adds $15 per month and includes virtual primary-care access, a dedicated physician relationship, ongoing virtual follow-up, an annual virtual wellness visit and health-risk assessment, and appropriate chronic-care or medication-management support. Rx and Prescription Benefits, Zero Copay Telemedicine, and Mental Health and Counseling must remain active for this bundled service tier.

Choose local care when you need to be seen

Members can choose their provider. Marshall Family Medicine at Marshall University Medical Center lists primary-care and walk-in services at 1600 Medical Center Drive in Huntington. CHH Family Urgent Care is listed at 2 Stonecrest Drive, with daily hours posted as 8 a.m. to 8 p.m. Confirm services, current hours, availability, and payment arrangements directly with the location before visiting.

For hospital care, Cabell Huntington Hospital is at 1340 Hal Greer Boulevard, and St. Mary’s Medical Center is at 2900 First Avenue. Both publish standard-charge information and patient-estimate tools. When requesting an estimate, ask whether it covers the specific service and includes facility, professional, and ancillary charges. Estimates may differ from the final amount owed. CMS provides information about hospital price transparency and consumer resources.www.cms.gov

The Cabell-Huntington Health Department provides county public-health and clinical services, including immunizations and testing; many clinic services require appointments. Its listed address is 703 7th Avenue in Huntington, with weekday hours of 8 a.m. to 4 p.m. Contact the department to confirm current services and appointment details.

Get useful help with medical bills

Full Service advocacy gives members a partner for bill verification, fair-price review, and negotiation support. If a charge is confusing or seems high, support can help clarify what was billed and identify questions to raise with the provider. This service is designed to make the billing process easier to navigate while reviewing eligible expenses under program rules.

Keep the itemized bill and supporting records. Submissions require an itemized bill with service dates, provider information, and CPT or HCPCS codes when available. SakeOf may request medical or billing records to review eligibility, medical necessity, or 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.

Prepare for a larger eligible medical event

For a larger eligible event, the review considers the active membership, applicable member commitment, documentation, and fair pricing. Voluntary community funding may be available for eligible larger events under program rules. The applicable commitment and eligibility depend on the active membership and program terms, so compare membership options and review the details before planning around a particular amount.

For pregnancy planning, an active maternity feature has a continuous 12-month waiting period that must be completed before pregnancy begins. Potentially eligible expenses include routine prenatal care, medically necessary testing and ultrasounds, delivery charges, and routine pregnancy-related postpartum care through six weeks, subject to program terms and the maternity limit. Add a newborn to membership within 30 days of birth.

For medically necessary physical or occupational therapy with an appropriately licensed therapist, the active feature has a shared limit of 12 visits and a $780 annual maximum across enrolled membership. Its $35 feature-specific member responsibility replaces the standard $500 event commitment for eligible PT/OT visits under this feature. An order, referral, or documented plan of care may be required.

Make your next step straightforward

• Compare options: Use the calculator and Savings Guide to see which membership features fit the care you expect to use.
• Find a care route: Use provider search or ask Jordan about locating care and exploring membership options.
• Plan an in-person visit: Call the provider to confirm the service, hours, availability, and payment arrangements.
• Review a hospital estimate: Request an estimate for the specific service and ask which charges it includes.
• Explore West Virginia programs: WV PATH offers screening and applications for Medicaid and WVCHIP; eligibility and benefits vary. The West Virginia Bureau for Medical Services publishes Medicaid member resources.