When family healthcare feels too expensive in Kanawha Head

Start with the care you need

SakeOf is a healthcare membership built around practical help: access selected direct services, choose providers, get support understanding bills, and use voluntary member-to-member community funding for eligible medical expenses. It offers a different way to approach healthcare than starting with an insurance-first process.

For a new symptom, ongoing care, a prescription question, or a planned test, begin with the kind of help you need. Check which SakeOf services you have selected and that they are active, then decide whether a virtual service or local in-person provider is the right next step. For an emergency, seek emergency care.

Use everyday-care options when they fit

Zero Copay Telemedicine is an optional feature that provides access to telemedicine when selected and active. It can be a convenient starting point for appropriate concerns. A virtual visit does not itself arrange or pay for every separate service that may follow: labs, imaging, in-person follow-up, specialist visits, and prescriptions may involve separate providers or costs.

Rx and Prescription Benefits is an optional feature. Check the program details and confirm medication availability and any applicable cost directly before relying on a particular prescription benefit. A medication that is not included or available through the selected feature may have a separate cost.

Mental Health and Counseling is another optional feature. Its availability depends on selection, active status, and program rules. If you need an ongoing primary-care relationship, Virtual Primary Care is an optional feature with a dedicated physician relationship, virtual follow-up, an annual virtual wellness visit, and chronic-care follow-up and medication-management support when clinically appropriate. The current bundled service tier requires Rx and Prescription Benefits, Zero Copay Telemedicine, and Mental Health and Counseling to remain active.

Choose in-person care near Kanawha Head

When you need an exam, lab, imaging, specialist, or hospital service, choose a provider based on the care needed and practical access. Buckhannon is a local access point for hospital and community-based care in Upshur County. St. Joseph’s Hospital is listed as an active critical access hospital at 1 Amalia Drive in Buckhannon. ^bms.wv.gov Confirm directly with the hospital which services are available, how appointments work, and what payment arrangements apply.

The Upshur-Buckhannon Health Department is listed at 15 North Locust Street in Buckhannon, with public-health services that include immunization, environmental health, and epidemiology. ^bms.wv.gov Contact the department to check current offerings, fees, and appointment requirements. Community Care of Buckhannon lists primary care, chronic disease management, and pharmacy services; confirm current service details, hours, and availability before going.

Ask a provider for an estimate for the specific service when feasible. Clarify whether facility and professional services may be billed separately. WVU Medicine publishes standard-charge files for St. Joseph’s Hospital, but those files are not individualized estimates or final bills. ^www.cms.gov

Get help when a bill needs attention

With Full Service, SakeOf provides healthcare advocacy, bill verification, fair-price review, and negotiation support. If a bill seems confusing or unusually high, gather the itemized bill and ask SakeOf what information is needed for review. An itemized bill should include service dates, provider information, and CPT or HCPCS codes when available.

SakeOf may request medical records, clinical notes, diagnosis or procedure details, provider documentation, billing records, or a signed release 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.

Understand support for larger eligible expenses

For eligible medical expenses, Full Service combines advocacy and fair-price review with voluntary community funding. The applicable member commitment and program rules matter when a larger event is reviewed. Ask SakeOf to explain the relevant commitment and what documentation is needed for your situation; no particular expense, amount, or funding outcome is guaranteed.

For a planned procedure or other significant expense, contact the provider about a service-specific estimate and possible separate professional or facility charges. Then use SakeOf’s member resources to understand the review process before submitting bills or records.

Explore options that match your needs

Optional features may be useful for specific care needs when selected, active, eligible, and subject to program rules. Maternity Care may include eligible prenatal, delivery, and postpartum expenses; the pregnancy must begin after the continuous 12-month maternity waiting period is complete. Review the maternity rules before making plans.

Dental and Vision Discounts, Chiropractic and Acupuncture, and Durable Medical Equipment are optional features. Physical and Occupational Therapy, when the feature is active and care meets program requirements, has a shared 12-visit annual limit and a $780 annual maximum across enrolled members; its feature-specific member responsibility is $35 per eligible visit. Check the current program details for applicable terms.

Take a practical next step

• Compare options: Use the calculator and Savings Guide to explore membership choices and optional features.
• Find care: Use provider search, then confirm services, availability, and payment details directly with the provider.
• Ask a question: Contact Jordan for help thinking through a care path or understanding which membership details to review.
• Check public programs: The Upshur County DoHS office lists Medicaid, WVCHIP, and non-emergency medical transportation assistance. Ask the office about eligibility and local help, or use WV PATH to screen for and apply for programs. ^bms.wv.gov