Healthcare when you work for yourself in Huntington

Start with a practical first step

SakeOf is a healthcare membership designed to make the path through everyday care, provider choice, and difficult bills more guided. Start with the kind of help you need: a common symptom may suit virtual care, while an exam, test, or procedure may call for an in-person provider. If a bill is hard to understand, Full Service advocacy can review eligible bills and assess fair pricing.

For common, non-emergency symptoms appropriate for virtual care, Zero Copay Telemedicine can connect you with a clinician when the feature is active. A prescription may be issued when clinically appropriate and legally permitted. The consultation does not itself include any follow-up labs, imaging, procedures, specialty care, or in-person follow-up that may be recommended.

For an emergency, seek emergency care rather than using a routine virtual-care service.

Make everyday care easier to navigate

Rx and Prescription Benefits focus primarily on medications commonly prescribed for acute conditions. A medication on the current formulary may be available at $0 when prescribing, dispensing, and the participating-pharmacy process requirements are met. Check the current pharmacy tool before filling it: formularies and participating pharmacies can change. Non-formulary and ongoing medications are not automatically $0.

Mental Health and Counseling may include problem assessment, supportive counseling, follow-up with the original counselor when available, crisis support, and referrals to appropriate plans or community resources when additional care is needed. Psychiatry, inpatient behavioral health, and medication costs are not included merely because counseling is active.

For an ongoing virtual primary-care relationship, Virtual Primary Care adds $15 per month. It includes virtual primary-care access through the current partner, a dedicated physician relationship with ongoing virtual follow-up, an annual virtual wellness visit, and support for appropriate chronic-care follow-up and medication management. The bundled tier requires Rx and Prescription Benefits, Zero Copay Telemedicine, and Mental Health and Counseling to remain active.

Choose local care when an in-person visit fits

Huntington has primary-care and walk-in services at Marshall Family Medicine, located 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.–8 p.m. Confirm current hours, services, and availability with the location before visiting.

For hospital care, 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. A facility estimate may not include every clinician or ancillary charge and may differ from the final amount owed; ask what a specific estimate covers before scheduling. ^www.cms.gov

The Cabell-Huntington Health Department at 703 7th Avenue provides county public-health and clinical services, including immunizations and testing. Many clinic services require appointments. Contact the department to confirm the service, scheduling, and current details before going.

Use provider search to explore options, then confirm the specific service, appointment requirements, and payment arrangements directly with the provider. SakeOf supports provider choice; a local provider’s services and availability are determined by that provider.

Get help reviewing a confusing bill

SakeOf Full Service advocacy can review eligible bills, verify charges, assess fair pricing, and provide negotiation support. Keep the itemized bill and provider information together. The itemized bill should include service dates, provider details, and CPT or HCPCS codes when available. SakeOf may request medical records, clinical notes, billing details, or other documents to review eligibility, medical necessity, and 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. If you have a bill to review, gather the documents and use the member support process or ask Jordan how to submit them.

Plan for a larger eligible medical event

For a larger medical event, SakeOf reviews submitted documentation and the event under the Program Guide. The standard event commitment is $500. Eligible physical or occupational therapy visits under the PT/OT feature have a different $35 member responsibility. After review, voluntary community funding may be considered for eligible expenses under program rules; it is not guaranteed.

Before planned care, ask the provider for an itemized estimate and clarify which facility, clinician, testing, and other charges it includes. Keep estimates and bills together for any eligible review. The calculator, Savings Guide, and Jordan can help you explore membership options and understand the next steps.

Match optional features to your needs

Some members may also want to explore maternity support, dental and vision discounts, chiropractic and acupuncture options, or durable medical equipment. Confirm current feature availability and terms. Maternity support has a continuous 12-month waiting period: the pregnancy must begin after that period is completed. It also has a sharing limit and other program rules.

When active, PT/OT applies to medically necessary services from an appropriately licensed therapist. The shared membership limit is 12 visits and $780 per year; a physician order, referral, or documented plan of care may be required. Its $35 member responsibility replaces the standard $500 event commitment for eligible PT/OT visits under the feature.

For a next step, use the calculator to compare membership options, read the Savings Guide, search providers, or ask Jordan about the feature and submission process relevant to your situation.