Healthcare after employer coverage ends in Huntington

A more practical way to approach healthcare

SakeOf is a healthcare membership built to help you make care decisions in a useful order: consider an everyday-care option when it fits, choose a provider for in-person care when needed, and get support understanding medical bills. You can explore membership options and available services before deciding on a next step.

For a common, non-emergency illness or symptom, active Zero Copay Telemedicine may be a convenient first step when virtual care is clinically appropriate. A clinician assesses the concern and determines whether a prescription is appropriate. If you need an examination, lab, imaging, specialist, or in-person follow-up, that becomes a separate care decision.

For an emergency, seek emergency care. For other needs, use the calculator or Savings Guide to explore options, then check provider search or contact Jordan for help navigating the next step.

Everyday services, matched to the need

Zero Copay Telemedicine is designed for common non-emergency symptoms appropriate for virtual care. Provider availability, technology, clinical judgment, state law, and prescribing rules apply. A clinician may recommend another kind of care if it better fits your situation.

When Rx and Prescription Benefits are selected and active, a medication on the current formulary may be available at $0 through the participating-pharmacy process when program requirements are met. The benefit is designed primarily for medications commonly prescribed for acute conditions. Check the current pharmacy tool before filling a prescription: formulary details can change, and a non-formulary medication may have a different price and is not automatically eligible for community funding.

Mental Health and Counseling may include an initial assessment, supportive counseling, follow-up with the original counselor when available, crisis support, and referrals when further care is needed. Psychiatry and medication costs are separate unless another active benefit or program expressly includes them.

Virtual Primary Care is an optional service with a $15 monthly adjustment. When selected and active, it provides $0 virtual primary-care access through the current service partner, an ongoing physician relationship, virtual follow-up, and an annual virtual wellness visit. Chronic-care follow-up and medication-management support may be available when appropriate for virtual care. The current bundled tier requires Rx and Prescription Benefits, Zero Copay Telemedicine, and Mental Health and Counseling to remain active.

Choose in-person care in Huntington

For a local visit, match the location to the type of care you need: primary care, walk-in or urgent care, a public-health clinic, specialty care, or a hospital. Call ahead to confirm the service, current hours, appointment requirements, and payment arrangements.

Marshall Family Medicine offers primary-care and walk-in services at Marshall University Medical Center, 1600 Medical Center Drive, Huntington. Confirm current hours and availability before visiting.

CHH Family Urgent Care is at 2 Stonecrest Drive in Huntington. The health system lists daily hours of 8 a.m. to 8 p.m.; confirm directly before going. The Cabell-Huntington Health Department, at 703 7th Avenue, offers clinical and public-health services, including immunizations and testing. Many clinic services require appointments, so call ahead to ask about the service you need and how to schedule.

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. Ask the facility for an estimate for the specific service and what it includes; clinician or other additional charges may be separate, and an estimate can differ from the final amount owed. CMS also provides public hospital quality information through Care Compare.

Get support understanding a medical bill

SakeOf Full Service advocacy includes bill verification, fair-price review, and negotiation support, subject to program rules and eligibility. If a bill is confusing, this process gives you a way to ask questions about the charges and understand what documentation may be needed.

An itemized bill is required and should include service dates, provider information, and CPT or HCPCS codes when available. SakeOf may request medical records or other documentation to review eligibility, medical necessity, and fair pricing. Submit complete documents within six months of the service date. Submit balance bills, denials, or payment demands within 10 days of receiving them.

For a larger eligible medical event

Keep the provider records and itemized bills, then contact SakeOf about the review process and the applicable member commitment. Eligible expenses may be considered for voluntary community funding under program rules; funding is not guaranteed. Documentation and review help establish what was billed and whether the expense meets the applicable program requirements.

For planned care, ask the provider for an estimate and clarify which facility, professional, lab, imaging, and other charges it includes. Cabell Huntington Hospital and St. Mary’s Medical Center publish charge information and patient-estimate tools. Contact the facility about the specific service and assumptions used in its estimate before relying on it.

Explore options and take your next step

Use the calculator to compare membership options, the Savings Guide to learn how the membership works, and provider search to investigate care choices. Ask Jordan if you want help identifying which option to explore next.

• For a common, non-emergency symptom, check whether active telemedicine is appropriate.
• For an in-person visit, call the Huntington location to confirm services, hours, appointments, and payment arrangements.
• For a prescription, check the current formulary and participating-pharmacy process before filling it.
• For a bill, gather the itemized documents and follow the submission timelines.
• For West Virginia Medicaid or WVCHIP program information, WV PATH supports screening and applications.