Healthcare after employer coverage ends in Huntington

A practical starting point for care

SakeOf is a healthcare membership designed to make care and costs easier to navigate. Members can begin with an appropriate everyday-care option, choose a provider when an in-person service is needed, and seek support reviewing eligible medical bills. This approach puts practical care choices and help with costs at the center of the experience.

For a common, non-emergency illness or symptom that is appropriate for virtual care, Zero Copay Telemedicine may be a convenient first step when active. Provider availability, state rules, clinical judgment, and prescribing rules apply. A recommended exam, lab, imaging service, specialist visit, or in-person follow-up is a separate care step.

For an emergency, seek emergency care rather than using a routine virtual visit or membership workflow.

Make everyday care work for you

When selected and active, Rx and Prescription Benefits are designed primarily for medications commonly prescribed for acute conditions. A medication on the current formulary may be available at $0 when the participating-pharmacy process and prescribing and dispensing requirements are met. Check the current pharmacy tool for the specific medication before filling it. Formulary content, pharmacies, and vendor rules can change. Non-formulary medications may have a negotiated or discount price, but are not automatically $0 or eligible for community sharing.

Mental Health and Counseling may include immediate problem assessment, supportive counseling, follow-up when available, crisis support, and referrals when more care is needed. Psychiatry, medication costs, inpatient behavioral health, and other specialized services are separate unless another active benefit or program expressly includes them.

For members who want an ongoing virtual primary-care relationship, Virtual Primary Care includes virtual access, an annual virtual wellness visit and health-risk assessment, and follow-up support for chronic care and medication management when appropriate for virtual care. It has a $15 monthly adjustment and requires Rx and Prescription Benefits, Zero Copay Telemedicine, and Mental Health and Counseling to remain active for the current bundled tier.

Choose local care in Huntington

When an examination, walk-in visit, testing, or specialty service is needed, members can choose a provider. Marshall Family Medicine at Marshall University Medical Center lists primary-care and walk-in services at 1600 Medical Center Drive. CHH Family Urgent Care is listed at 2 Stonecrest Drive, with daily hours posted as 8 a.m.–8 p.m. Confirm current availability, hours, appointment requirements, and payment arrangements with the location before visiting.

Huntington hospital options include Cabell Huntington Hospital at 1340 Hal Greer Boulevard and St. Mary’s Medical Center at 2900 First Avenue. HIMG, at 3075 U.S. Route 60, offers multiple outpatient specialty services; hours vary by department. Contact the provider to confirm whether it offers the specific service you need and how to arrange a visit.

The Cabell-Huntington Health Department, a county public-health resource, lists clinical services including immunizations and testing. Most clinic services are by appointment, so contact the department to confirm current availability and scheduling. Use provider search to explore options, then verify service details directly with the location.

Understand estimates and get bill support

Cabell Huntington Hospital and St. Mary’s Medical Center publish standard-charge information and patient-estimate tools. Before planned hospital care, ask for an estimate for the specific service and whether it includes clinician and ancillary charges. Ask what assumptions it uses; an estimate may differ from the final amount owed.

For eligible medical expenses, SakeOf Full Service advocacy can help review bills, check billing details and fair pricing, and support negotiation. An itemized bill is required. Include service dates, provider information, and CPT or HCPCS codes when available. SakeOf may request medical records or additional billing and clinical documentation 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 questions about a hospital estimate, billing, or payment arrangements, contact the facility’s billing office as well; its process is separate from SakeOf advocacy.

Plan for larger eligible needs

When an eligible event involves substantial expenses, SakeOf can support bill review, fair-price review, and negotiation. The applicable member commitment and eligibility depend on program rules and documentation. Voluntary community funding may be considered for larger eligible events, but it is not guaranteed. Ask SakeOf how a specific event is handled and review the membership options before making a plan.

If pregnancy planning is relevant, the optional maternity feature requires a continuous 12-month waiting period to be completed before pregnancy begins. Potentially eligible expenses include routine prenatal care, medically necessary testing and specialist care, delivery charges, and routine pregnancy-related postpartum care through six weeks, subject to the maternity limit and other rules. The newborn should be added to membership within 30 days of birth.

Compare options and take a next step

Depending on current availability and the options selected, membership may also include dental and vision discounts, chiropractic or acupuncture, physical or occupational therapy, and durable medical equipment. Confirm activation requirements, limits, and provider or vendor rules before planning care. Eligible PT/OT has a shared 12-visit annual limit and $780 annual maximum; the feature-specific $35 member responsibility replaces the standard $500 event commitment for eligible visits. A physician order, referral, or documented plan of care may be needed when clinically appropriate or required.

• Use the calculator to explore membership options and costs.
• Read the Savings Guide for a practical overview of how the membership works.
• Use provider search to explore care options, then confirm details with the provider.
• Ask Jordan a question or review membership options before enrolling.