Healthcare when you work for yourself in Huntington

Start with the care you need

SakeOf is a healthcare membership organized around practical steps: consider an active everyday-care service when it suits your need, choose a provider when you need in-person care, and get help understanding eligible bills. For a larger eligible medical event, the process can include review, an applicable member commitment, and voluntary community funding under program rules. What may apply depends on the active membership terms and review.

For a common, non-emergency illness or symptom appropriate for virtual care, Zero Copay Telemedicine can be a convenient starting point when active. A clinician may prescribe medication when clinically appropriate and legally permitted. If you need an exam, test, specialist, or other in-person service, you can choose where to seek it; those are separate care decisions. For an emergency, seek emergency care.

In Huntington, local resources include hospital and outpatient services, Marshall Family Medicine walk-in care at Marshall University Medical Center, and CHH Family Urgent Care. Provider services and availability vary, so contact a location to confirm its current hours, appointment process, and whether it offers the care you need.

Use everyday-care options that fit

When selected and active, Zero Copay Telemedicine is designed for common concerns suitable for virtual care. Recommended labs, imaging, procedures, specialty care, and in-person follow-up are separate services. Prescription costs follow the active prescription benefit rather than being determined by the telemedicine visit alone.

With an active Rx and Prescription Benefits option, listed formulary medications may be available at $0 through the participating-pharmacy process when prescribing and dispensing requirements are met. The current formulary and pharmacy rules determine whether a specific medication qualifies. Non-formulary medications may have a negotiated or discount price, but are not automatically $0 or eligible for community sharing. Check the current pharmacy tool before filling a prescription.

Mental Health and Counseling, when active, may include problem assessment, supportive counseling, follow-up with the original counselor when available, crisis support, and referrals when more care is needed. Psychiatry, inpatient care, testing, 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. It offers virtual primary-care access through the current service partner, an ongoing physician relationship, an annual virtual wellness visit and health-risk assessment, and appropriate virtual chronic-care follow-up and medication-management support. The required bundled services—Rx and Prescription Benefits, Zero Copay Telemedicine, and Mental Health and Counseling—must remain active for this tier.

Choose local care when an in-person visit makes sense

Huntington has hospital care at Cabell Huntington Hospital and St. Mary’s Medical Center, along with outpatient services. Marshall Family Medicine lists primary-care and walk-in services at Marshall University Medical Center. HIMG offers outpatient specialty services, with hours that vary by department. Contact the location directly to confirm the service, appointment requirements, and payment arrangements.

For urgent care, CHH Family Urgent Care is at 2 Stonecrest Drive in Huntington; the health system lists daily hours of 8 a.m.–8 p.m. Confirm current hours and availability before visiting. The Cabell-Huntington Health Department, at 703 7th Avenue, provides county public-health clinical services such as immunizations and testing. Most clinic services require appointments, so call to confirm current offerings and scheduling.

Before planned care, ask what a visit includes, whether tests or other clinicians may bill separately, and what payment arrangements are available. Cabell Huntington Hospital and St. Mary’s 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. Ask what the estimate covers and what assumptions it uses. ^www.cms.gov

Get help reviewing bills and prices

If a bill is confusing or seems unusually high, SakeOf Full Service support can help members verify bills, review whether pricing is fair, and seek negotiation support when applicable. This can give you a structured next step while you ask the provider to explain the charges. What support applies depends on the service, documentation, eligibility review, and program rules.

Keep the itemized bill and related records. Submissions require an itemized bill with service dates, provider information, and CPT or HCPCS codes when available. SakeOf may also request medical or billing records 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.

Cabell Huntington Hospital lists billing contacts and financial counselors for questions about its bills, assistance, and payment arrangements. Ask the hospital which services and clinicians a balance includes. CMS also provides information about hospital price transparency. ^www.cms.gov

Plan for a larger eligible event

For a larger eligible medical event, SakeOf’s process can include bill and pricing review, an applicable member commitment, and voluntary community funding under program rules. Eligibility and the amount that may be considered depend on the active membership terms and review; do not assume a particular expense or outcome will qualify. Ask SakeOf what to confirm for your situation before relying on a specific result.

For planned care, save estimates, itemized bills, clinical documentation, and provider communications. Ask the facility what an estimate leaves out, then contact providers directly about availability, service details, and payment arrangements. Provider search can help you explore options; Jordan can help you identify questions to ask.

Check additional options and take a next step

Maternity sharing may apply to eligible pregnancy-related expenses when pregnancy begins after the continuous 12-month maternity waiting period and other program rules are met. Potentially eligible expenses include routine prenatal care, eligible delivery expenses, and routine pregnancy-related postpartum care through six weeks, within the applicable limit. A newborn should be added to membership within 30 days of birth. Review the terms early if this may be relevant.

Depending on membership options, dental and vision discounts, chiropractic or acupuncture, and durable medical equipment may also be available. Check which options are selected and active and confirm participating providers and terms. The PT/OT feature, when active and applicable, has a shared limit of 12 visits and a $780 annual maximum across enrolled membership. Eligible visits have a $35 feature-specific member responsibility; an order, referral, or plan of care may be required.

For West Virginia Medicaid or WVCHIP screening and applications, use WV PATH. Eligibility and benefits vary by program. ^bms.wv.gov To decide what to do next, compare membership choices in the calculator or Savings Guide, search for a provider, or ask Jordan about the questions to check before care.