Healthcare when you work for yourself in Martinsburg

Build your care plan around what you need

SakeOf is a healthcare membership designed to bring practical care options and support for medical costs into one place. Rather than beginning with a network search, begin with the need in front of you: a new concern, ongoing primary care, a prescription, counseling, or a planned in-person service. Then compare membership options and selected features that fit your priorities.

Provider choice is part of the approach. You can look for care that fits your situation and location, while SakeOf services help you organize care and understand bills where applicable. Full Service is designed for support across everyday medical needs and larger health events, including advocacy, bill verification, fair-price review, and negotiation support.

Use everyday-care features that fit

When selected and active, Zero Copay Telemedicine can provide a remote starting point for a suitable care question. Virtual Primary Care is a separate optional feature for primary-care needs. These options can help you decide how to begin; choose an in-person provider when your care needs call for an examination, testing, or another service delivered locally.

If you need medication, the optional Rx and Prescription Benefits feature may be relevant when selected and active. Check whether the medication and pharmacy arrangement fit the feature’s terms before relying on it. Virtual care, prescription benefits, and an in-person visit are distinct parts of a care plan, and the service you need may determine which option makes sense to explore.

Mental Health and Counseling is another optional feature. Counseling may include an immediate problem assessment, supportive counseling and subsequent sessions, follow-up with the original counselor when available, crisis support, and referrals to appropriate behavioral-health plans or local community resources. Psychiatry, inpatient behavioral health, emergency psychiatric care, neuropsychological testing, residential substance-use treatment, and medication costs are not included merely because counseling is active; another active benefit or program would need to apply.

Find a local in-person starting point

Shenandoah Community Health is at 99 Tavern Road in Martinsburg and describes a sliding-fee discount program. If you are considering the center, contact it to ask about current services, appointments, eligibility documents, and the fee for the service you need. That gives you a practical cost and access question to resolve directly with the clinic.

For hospital care, Berkeley Medical Center is at 2500 Hospital Drive in Martinsburg and provides emergency and specialty services. Its main number is 304-264-1000. For planned services, request an estimate for the specific service and ask what it includes, including whether professional or ancillary charges may be separate. A published standard charge, a service-specific estimate, and a final bill are different types of cost information.

For urgent care, UPMC-GoHealth Urgent Care’s Martinsburg Commons location is at 83 Retail Commons Parkway. Its provider listing describes walk-ins and daily hours; check current availability and payment arrangements before traveling when feasible. The Berkeley County Health Department is at 122 Waverly Court in Martinsburg and lists clinical services including immunizations and family planning. Contact the department to confirm current services, hours, appointment requirements, eligibility, and fees.

The Martinsburg VA Medical Center is at 510 Butler Avenue and offers primary and specialty services. VA enrollment and eligibility requirements apply, so verify access with VA before planning care. For West Virginia Medicaid or WVCHIP applications, WV PATH supports screening and applications; statewide eligibility and program details are available through state resources. ^bms.wv.gov

Make medical bills easier to understand

Full Service includes advocacy, bill verification, fair-price review, and negotiation support. If a bill is difficult to follow, gather the itemized bill and provider paperwork, then use the member support process to understand the charges and possible next steps. This can give you a structured way to review billing details rather than sorting through them alone.

An itemized bill is required for submissions and should include service dates, provider information, and CPT or HCPCS codes when available. SakeOf may also request medical records, clinical notes, diagnosis and procedure details, billing records, or a signed medical-record release to review eligibility, medical necessity, and fair 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.

Understand support for larger eligible expenses

Full Service is designed to support members through larger health events as well as everyday medical needs. After the applicable member commitment, eligible medical expenses may be considered for voluntary community funding. Eligibility and documentation depend on program rules, and a symptom, illness, injury, diagnosis, or treatment history may be relevant to a pre-existing-condition review. Final eligibility decisions depend on documentation, clinical review, and the Program Guide.

If you expect a major procedure or receive a substantial bill, keep estimates, itemized bills, and provider communications together. Full Service advocacy and fair-price review can help you examine the information and understand the process. Explore membership options and the applicable commitment before making a plan around community funding.

Choose features and take a next step

Optional features can be selected around household needs. Options include maternity care, dental and vision discounts, chiropractic and acupuncture, physical and occupational therapy, and durable medical equipment. Maternity is a Full Service community-sharing feature when offered and selected; it requires at least 12 months of continuous active membership with maternity selected before conception, has a $5,000 member responsibility per eligible pregnancy, and may be considered for community sharing up to $25,000 after that responsibility.

The current handbook lists a $50 per-member monthly base fee. The final enrollment quote also depends on the program, household composition, community ask calculation, selected feature adjustments, and any selected Full Service standard-event commitment adjustment. Use the calculator and Savings Guide to compare options, then use provider search or ask Jordan about the membership choices that fit your care priorities.