Healthcare options for contractors in Premier

Start with the care you need

SakeOf is a healthcare membership built to make care easier to organize and healthcare costs easier to understand. Instead of beginning with an insurance-first process, members can start with the immediate need: a new symptom, a prescription question, ongoing primary care, an in-person service, or help making sense of a bill.

The membership combines services, advocacy, fair-price review, and voluntary community funding for eligible medical expenses. Some direct-service and discount features are optional, so the care path depends on what you select, what is active, and the program rules. A useful first step is to compare membership options with the care you expect to use.

Use everyday-care options when they fit

For an everyday health question, Zero Copay Telemedicine may offer a convenient starting point when that feature is selected and active. It can help you connect with a clinician for an appropriate virtual visit. If the clinician recommends an in-person exam, lab, imaging, or specialist, plan for that as a separate care step and confirm its price and payment arrangements with the provider.

Rx and Prescription Benefits and Mental Health and Counseling are additional membership options. Their usefulness depends on the active benefit and its rules; do not assume a particular medication, appointment, or service is included. Ask how a prescription is handled before filling it, especially if it is non-formulary or has a separate cost.

Virtual Primary Care is a more ongoing option: the current service includes a dedicated physician relationship, virtual follow-up, an annual virtual wellness visit, and chronic-care follow-up and medication-management support when clinically appropriate for virtual care. It adds $15 per month and requires Rx and Prescription Benefits, Zero Copay Telemedicine, and Mental Health and Counseling to remain active for the bundled service tier.

Choose in-person care near Premier

When you need hands-on care, you can choose a local provider and confirm the details directly. Willow Creek Health Clinic, Inc. is listed for McDowell County with a Premier mailing address and a physical address at 15237 Coal Heritage Road in Roderfield. The listing gives the clinic phone number as 681-201-2051.^dhhr.wv.gov Because the mailing and physical addresses differ, call before traveling to confirm the current location, services, hours, appointment availability, and payment arrangements.

For a visit, lab, imaging service, or hospital care, ask the facility what the service will cost and what the estimate includes. Confirm whether professional or other ancillary charges may be separate. If you need a hospital service, verify current availability and request an estimate from the facility for the specific service rather than relying on a general price.

Public resources may also help with access questions. West Virginia’s WV PATH portal supports screening and applications for programs including Medicaid and WVCHIP. Eligibility and benefits depend on the program; use the state resource to check your own options.

Put advocacy to work when a bill is confusing

With Full Service, SakeOf offers advocacy, bill verification, fair-price review, and negotiation support. If a bill seems unclear or unusually high, gather the bill and any estimate, then ask for help understanding the charges and what options may be available. This can give you a clearer basis for contacting the provider and deciding what to do next.

Ask for a written estimate when possible, and keep track of what the provider says is included. SakeOf’s support is subject to program rules; it does not guarantee a particular price or outcome. You can also review a facility’s posted price information and ask the facility to explain how it relates to your specific service.

Understand support for larger eligible events

For larger eligible medical events, Full Service combines an applicable member commitment with voluntary community funding for eligible expenses. The standard event commitment is $500; specific features may have different rules. A member commitment is the member’s applicable responsibility under the program, and community funding is voluntary rather than guaranteed.

For maternity, potentially eligible expenses include routine prenatal visits, medically necessary prenatal labs, standard diagnostic ultrasounds, pregnancy-related specialist care, hospital or licensed birthing-center charges, delivery, and routine pregnancy-related postpartum care through six weeks after delivery. Eligibility depends on program rules and review. If you are planning care, ask about the relevant requirements early and get estimates from the providers involved.

Match other features to the care you use

Eligible physical or occupational therapy may be available through the PT/OT feature when selected and active. It requires medically necessary services from an appropriately licensed therapist. The feature has a shared 12-visit limit and $780 annual maximum across the enrolled membership, with a $35 feature-specific member responsibility for eligible visits. A physician order, referral, or plan of care may be required when clinically appropriate or required by state law.

For counseling, the active feature may provide immediate problem assessment, supportive counseling, follow-up when available, and crisis support. It may also connect members with other resources when additional care is needed. Check the feature details for the service you need rather than assuming that every behavioral-health service or medication is part of counseling.

Take a practical next step

• Compare: Use the calculator and Savings Guide to explore membership options and consider how the features relate to your expected care.
• Find care: Use provider search for provider options, then contact the provider to confirm location, services, availability, and payment arrangements.
• Ask: Bring questions about a bill, feature, or care path to Jordan or the SakeOf team before making a decision.
• Enroll thoughtfully: Review which optional features are selected and active, along with their program rules, before relying on them for a specific service.