Healthcare after employer coverage ends in Lost Creek

Start with care that fits the moment

SakeOf is a healthcare membership built around a more direct way to pay for and navigate care. Members can begin with everyday services, choose where to go when an in-person visit is needed, and get help understanding a bill. The aim is a clearer care sequence—not a requirement to send every health need through one doorway.

For urgent, non-emergency concerns, active Zero Copay Telemedicine provides unlimited medically appropriate urgent-care consultations at $0 through the current service partner, with 24/7 access where licensing and availability permit. A clinician can help assess the concern and discuss an appropriate next step. For an emergency, seek emergency care rather than using a routine telemedicine workflow.

In Lost Creek, Community Care of West Virginia lists school-based wellness centers at South Harrison High School and South Harrison Middle School. Their listed hours are Wednesday, 7:30 a.m.–3:30 p.m. at the high school and Monday, 7:30 a.m.–3:30 p.m. at the middle school; call ahead to confirm current hours, services, and who is eligible to use each center.^{www.loganregionalmedicalcenter.com}

Build an everyday-care routine

When the Rx and Prescription Benefits feature is active, the program’s acute-medication benefit may provide listed medications at $0 when the prescribing, participating-pharmacy, and dispensing requirements are met. The current formulary determines which medication qualifies, so check the pharmacy tool before filling a prescription. Non-formulary and ongoing medications may have a separate price and are not automatically included in this benefit.

For a longer-term relationship, Virtual Primary Care provides $0 virtual primary-care access, a dedicated physician relationship, an annual virtual wellness visit, health-risk assessment, and follow-up for chronic care or medication management when clinically appropriate. The current intended bundle requires active Rx and Prescription Benefits, Zero Copay Telemedicine, and Mental Health and Counseling. Each optional service applies only while selected and active and remains subject to program rules.

Mental Health and Counseling offers unlimited on-demand telephone counseling at $0 when active, with up to three face-to-face consultations per incident when arranged and available through the program. Access is available 24/7 to members and eligible enrolled dependents. The stated prerequisites are active Rx and Prescription Benefits and Zero Copay Telemedicine.

Use local care when you need to be seen

A virtual visit will not perform every exam or service. If a clinician recommends an in-person evaluation, lab, imaging, specialist, or other service, you can choose a provider and contact the office to ask about availability, payment arrangements, and the expected charges. Those services may create separate expenses; ask whether an estimate includes professional and ancillary charges.

Village Pharmacy is listed at 36 Railroad Street in Lost Creek, phone 304-745-3301. Confirm current hours, available services, medication pricing, and whether it participates in the relevant prescription process before traveling or filling a prescription.^{www.loganregionalmedicalcenter.com}

For county-level options, Community Care of Clarksburg lists primary care, walk-in care, and an in-house pharmacy at 700 Oakmound Road, phone 304-623-6330; call to verify hours and services.^{www.loganregionalmedicalcenter.com} The Harrison-Clarksburg Health Department lists clinical and environmental health services at 330 W Main Street in Clarksburg, phone 304-623-9308, with weekday hours listed as 8 a.m.–4 p.m.^{www.loganregionalmedicalcenter.com} United Hospital Center is an active short-term hospital in Bridgeport; its main number is 681-342-1000.^{www.loganregionalmedicalcenter.com}

Get help making sense of a bill

When a bill is unclear or seems high, Full Service advocacy can help members verify bills, review fair pricing, and seek negotiation support. Contact SakeOf for guidance on the process and provide the itemized bill and requested documentation promptly. For planned higher-cost care, contact SakeOf in advance when reasonably possible.

For hospital care, ask the facility for a service-specific estimate and whether related professional or ancillary charges are included. WVU Medicine publishes financial-assistance information for United Hospital Center; contact the hospital to confirm current application steps and terms.^{www.loganregionalmedicalcenter.com} The federal hospital price-transparency resource explains how to find hospital pricing information.^www.cms.gov Estimates can differ from a final bill, so use them as a planning tool and confirm details directly with the provider.

Understand support for larger eligible events

For larger eligible medical events, Full Service combines advocacy and bill review with the applicable member commitment and voluntary community funding. Any sharing depends on program eligibility and rules; it is not an automatic payment promise. Keep membership current, submit complete bills and documentation, and ask SakeOf about the event and process before planned higher-cost care when possible.

Maternity is an optional community-sharing feature when offered and selected. Under the program terms, it requires continuous active membership and selection for at least 12 months before conception; the member responsibility is $5,000 per eligible pregnancy, with community sharing up to $25,000 after that responsibility for an eligible pregnancy. The benefit period runs through six weeks postpartum for pregnancy-related care. Confirm current availability and full terms before relying on this option.

Take a practical next step

• Use the calculator to explore membership choices and expected responsibilities.
• Review the Savings Guide to understand the care and bill-support sequence.
• Use provider search to check options, then call providers to confirm availability and charges.
• Ask Jordan a question about which membership options may fit the care you expect to use.
• For West Virginia Medicaid or WVCHIP screening and applications, use WV PATH; the Bureau for Medical Services also provides member resources.^bms.wv.gov The Harrison County field-office directory is available through the Bureau for Medical Services.^bms.wv.gov