Healthcare after employer coverage ends in Richwood

Start with the care you need

SakeOf is a healthcare membership built to make care easier to arrange and healthcare costs easier to understand. Instead of beginning with a maze of billing rules, start with the need in front of you: a new symptom, a prescription question, ongoing primary care, or an in-person service.

Your membership can bring together direct services, provider choice, advocacy, and—when eligible—voluntary community sharing. Optional features apply only when selected and active, and remain subject to program rules. Use the calculator to explore membership options, or ask Jordan to help identify a sensible next step.

Use everyday care for common needs

When a new symptom comes up

With Zero Copay Telemedicine active alongside Rx and Prescription Benefits, members can access urgent-care telemedicine at $0 per eligible consultation. The service is available 24/7 for medically appropriate concerns, subject to clinician availability, state licensing, technology, and clinical judgment. It can be a low-friction first step for common non-emergency symptoms.

A clinician may recommend an in-person visit, lab, imaging, or other follow-up. Those services are not included just because a telemedicine visit recommends them; arrange and confirm their availability and cost directly with the provider. For an emergency, seek emergency care rather than using a routine care pathway.

For prescriptions and ongoing support

Rx and Prescription Benefits can include access to approximately 70 acute medications at $0 at participating pharmacy locations, according to the SakeOf program information. Check whether a medication is included and confirm participating pharmacy details before relying on that benefit. Other prescriptions and medication costs may be separate.

Mental Health and Counseling, when active with its required features, provides unlimited on-demand telephone counseling at $0 for included access. Up to three face-to-face counseling consultations per incident may be arranged when available. Virtual Primary Care is an optional bundled service tier that adds a dedicated physician relationship, annual virtual wellness visit, health-risk assessment, and appropriate virtual chronic-care and medication-management support.

Choose local care when you need to be seen

For an in-person visit in Richwood, Camden Family Health lists a location at 71 Avenue A, Richwood, WV 26261, and phone number 304-846-0207. Its posted weekday hours are Monday and Thursday 7 a.m.–7 p.m. and Tuesday, Wednesday, and Friday 8 a.m.–6 p.m.; it is closed weekends. Call before traveling to confirm current hours, services, appointment availability, and payment arrangements.

Ask about the specific service you need, such as a visit, test, or follow-up, and request its price and payment options before booking. Local provider choice remains part of the process: use SakeOf’s provider search to explore options, then verify directly with the provider whether it can deliver the service and what it will cost. Labs, imaging, specialists, in-person follow-up, and hospital services can have separate charges.

Nicholas County residents can also look to county public-health services and services in Summersville and other county communities. The state lists a Richwood Wellness Center as a school-based health center in Nicholas County; contact the center to confirm who can use it and whether it is currently operating. For state program information, WV PATH provides screening and applications for programs including Medicaid and WVCHIP.

Get help when a bill is hard to understand

Full Service includes advocacy that can help members review medical bills, check pricing, and work through confusing or potentially inflated charges. SakeOf may review documentation and provide negotiation support. Keep itemized bills and provider records; an itemized bill is required for submissions and should include service dates, provider information, and CPT or HCPCS codes when available.

Submit complete documents within six months of the service date. If you receive a balance bill, denial, or payment demand, submit it within 10 days of receiving it. SakeOf may request additional records to assess eligibility, medical necessity, or fair pricing. Use the Savings Guide to understand the process, and contact SakeOf at 800-212-5920 when you need help with a membership question.

Understand support for larger eligible events

For eligible larger medical events, Full Service combines member advocacy and fair-price review with voluntary community funding. A member commitment applies to eligible events before community sharing; the amount and event rules depend on the program. Sharing is voluntary and subject to the Program Guide, so do not treat it as a guaranteed payment. Review the program details and ask questions before making decisions about a planned service.

If a facility visit is being considered, ask for a service-specific estimate and find out what it includes. Summersville Regional Medical Center offers estimates, payment plans, and financial assistance for qualifying patients; contact the facility to ask about the service and eligibility. Published hospital standard charges are not final quotes or estimates of an individual’s out-of-pocket cost.

Explore options and take your next step

Some members may also want to explore optional maternity, dental and vision discounts, chiropractic or acupuncture, PT/OT, or durable medical equipment features. Availability and terms depend on the options offered and selected for the membership. For maternity sharing, the member must maintain active membership and keep the option continuously selected and current for at least 12 months before conception; eligible pregnancies have a $5,000 member responsibility and sharing may be available up to $25,000 under program rules.

• Feeling sick: Check whether Zero Copay Telemedicine and its required prescription feature are active.
• Need a local visit: Call Camden Family Health to confirm the service, appointment, and price.
• Planning a test or hospital service: Ask the provider for a service-specific estimate and what it includes.
• Want to compare membership choices: Use the calculator, read the Savings Guide, or ask Jordan.
• Ready to proceed: Review membership options and confirm which features you want selected and active.