Healthcare before Medicare in Martinsburg

Choose care for the need in front of you

SakeOf is a healthcare membership designed to make care decisions more practical: use selected everyday-care services when they fit, choose a provider for in-person care, and get help understanding medical bills. Full Service adds advocacy, bill verification, fair-price review, and negotiation support. For eligible larger expenses, voluntary community funding may be considered after the applicable member commitment.

Start by identifying what you need: a remote conversation, ongoing primary care, a prescription, a hands-on exam, or help with a bill. Your membership and selected active features determine which services apply. Use the calculator and Savings Guide to explore choices and your potential monthly amount; the final enrollment quote reflects your plan, household, community ask, selected features, and any Full Service commitment adjustment.

Use selected features for everyday care

Zero Copay Telemedicine and Virtual Primary Care may offer a convenient starting point for concerns suited to remote care when the relevant feature is selected and active. Virtual care can help you begin a health conversation without first arranging an in-person visit. If your situation calls for an exam, test, imaging, or specialist, choose in-person care and confirm details with the provider.

Rx and Prescription Benefits may help with prescription needs when selected and active. Check the current terms for the specific medication and pharmacy before relying on the feature. Ask the pharmacy about any costs that apply to the medication or related services.

Mental Health and Counseling may include immediate problem assessment, supportive counseling and subsequent sessions, follow-up with the original counselor when available, crisis support, and referrals when more care is needed. Psychiatry, inpatient behavioral health, emergency psychiatric care, neuropsychological testing, residential substance-use treatment, and medication costs are not included merely because counseling is active. Check the terms of your active features for the service you are considering.

Find local in-person care in Martinsburg

For an in-person visit, test, or other local service, choose a provider suited to the care you need and contact the office about availability, appointments, eligibility, and payment arrangements. Shenandoah Community Health is at 99 Tavern Road in Martinsburg and publishes information about a sliding-fee discount program. Ask the center about current services, eligibility, required documentation, appointment arrangements, and the fee for your service.

UPMC-GoHealth Urgent Care lists a Martinsburg Commons location at 83 Retail Commons Parkway and reports walk-in services. Confirm current hours, availability, and payment arrangements directly before visiting when feasible. Berkeley County Health Department is at 122 Waverly Court in Martinsburg and lists clinical services including immunizations and family planning. Contact the department to check current offerings, appointments, eligibility, and fees.

Berkeley Medical Center, at 2500 Hospital Drive in Martinsburg, provides emergency and specialty services. For planned care, call 304-264-1000 to ask about a service-specific estimate and financial-assistance policies. A hospital’s standard-charge information, an estimate, and a final patient bill are different kinds of cost information; ask whether an estimate includes professional or ancillary charges. For an emergency, seek emergency care.

VA care at Martinsburg VA Medical Center has VA enrollment and eligibility requirements. Contact VA to confirm access and services. For Medicaid, WVCHIP, or non-emergency medical transportation, the Berkeley County Department of Human Services handles applications and services that include these programs. WV PATH supports statewide screening and applications, and the West Virginia Bureau for Medical Services publishes Medicaid member resources.

Get help making sense of a bill

With Full Service, members can use advocacy, bill verification, fair-price review, and negotiation support. If a bill is confusing or unexpectedly high, gather the itemized bill, including service dates, provider information, and CPT or HCPCS codes when available. SakeOf may also request medical records, clinical notes, billing details, or other documentation to review eligibility, medical necessity, and fair pricing.

Submit complete documents within six months of the service date. Send balance bills, denials, or payment demands within 10 days of receiving them. These deadlines support the review process; they do not promise a particular price or outcome. If you are unsure what to submit, ask Jordan or contact SakeOf for help with the next step.

Understand support for larger eligible expenses

Full Service is designed to support members with everyday medical needs as well as larger health events. After the applicable member commitment, an eligible expense may be considered for voluntary community funding. Eligibility and any funding depend on program rules, documentation, and review; funding is not guaranteed. Your final enrollment quote explains the membership and commitment details that apply to you.

For pre-existing-condition review, an illness, injury, symptom, diagnosis, or treatment may be relevant if it existed, was known, or medical advice or care was recommended or received during the 24 months before membership began. A formal diagnosis is not required for a symptom to count. Determinations depend on documentation, clinical review, and the applicable program terms.

Compare features and choose your next step

Optional features, when offered and selected, include maternity care, dental and vision discounts, chiropractic and acupuncture, physical and occupational therapy, durable medical equipment, prescription benefits, telemedicine, Virtual Primary Care, and counseling. Each feature has its own terms and applies when selected and active.

Maternity care requires continuous active selection and current membership for at least 12 months before conception. The handbook lists a $5,000 member responsibility per eligible pregnancy and community sharing up to $25,000 after that responsibility. The current handbook base membership fee is $50 per member per month; the final monthly amount depends on the plan, household, community ask, selected features, and any Full Service commitment adjustment.

• Compare membership choices: Use the calculator and Savings Guide to explore options and your potential monthly amount.
• Find a clinician: Use provider search, then contact the office to confirm services, availability, and charges.
• Ask about your situation: Talk with Jordan about membership options and which selected features may fit your needs.