Healthcare after employer coverage ends in Scarbro

Start with the care you need—not a payment maze

SakeOf is a healthcare membership designed to give you a more organized way to approach care. Instead of beginning with a complicated payment question, start with the need in front of you: a new symptom, a prescription question, ongoing primary care, or an in-person service. Then check which SakeOf options are selected and active and choose a practical next step.

The everyday-care options can give you a starting point for common needs, while your choice of provider remains important when you need hands-on care. For the Scarbro area, one documented local starting point is New River Health Association. A state provider listing gives its Scarbro address as 908 Scarbro Road and its phone as 304-469-2905; call to confirm current location details, hours, available services, and appointment availability before going. ^dhhr.wv.gov

Use the calculator to explore membership options, the Savings Guide to understand how the model works, or Jordan to get help finding the right next question. The aim is to make the next step clearer—not to assume that one service or payment arrangement fits every situation.

For a common illness, counseling, or ongoing care

For a non-emergency illness that may be appropriate for virtual care, Zero Copay Telemedicine is an option when it is selected and active with Rx and Prescription Benefits. The current service provides eligible urgent-care telemedicine consultations at a $0 member cost, with access by phone or video where licensing and service-partner availability permit. A clinician may recommend in-person follow-up, testing, imaging, or specialty care; those services are separate from the telemedicine consultation.

Prescription access follows the active Rx program. A virtual clinician may prescribe when it is clinically appropriate and legally permitted, but the cost of a prescription follows the applicable Rx program rather than being automatically included in a telemedicine visit. Ask about a medication’s availability and cost through the active program before relying on it.

Mental Health and Counseling, when selected and active with the required benefits, provides on-demand telephonic counseling at no member cost for the included service. It can offer support and referrals when additional help is needed. Psychiatry, medication costs, inpatient behavioral-health care, and other services are not automatically part of the counseling option; check the current program details for the service you need.

Virtual Primary Care is a separate option with a $15 monthly adjustment. The current bundle requires Rx and Prescription Benefits, Zero Copay Telemedicine, and Mental Health and Counseling to remain active. It includes a dedicated physician relationship, ongoing virtual follow-up, an annual virtual wellness visit, and chronic-care or medication-management support when clinically appropriate for virtual care.

When you need care in person near Scarbro

Choose an in-person provider when your needs call for an examination, lab work, imaging, a specialist, or another service that cannot be handled virtually. New River Health Association is listed by a state provider directory at 908 Scarbro Road in Scarbro, with phone number 304-469-2905. Call and ask whether the specific service you need is available at that location, whether appointments are open, and what payment options and charges apply. ^dhhr.wv.gov

Before scheduling, describe the service—not just “an appointment”—and request an estimate for that service. Ask whether the estimate includes professional, facility, laboratory, imaging, or other separate charges, and confirm any payment arrangement directly with the provider. The provider’s current availability and terms can change, so verify them rather than assuming that a directory listing guarantees an appointment.

If you are exploring West Virginia Medicaid or WVCHIP, WV PATH offers a place to screen for and apply for programs. The state Bureau for Medical Services provides member information, and the WV Medicaid portal offers provider-search resources. Eligibility, benefits, and provider participation depend on the relevant program; confirm details through the official state resources. ^{bms.wv.gov www.wvmmis.com}

When a bill or a larger medical need needs a closer look

If a bill is hard to understand, gather the itemized bill, any estimate, and the provider’s explanation of charges. Use the SakeOf Savings Guide or ask Jordan what the current membership materials say about the situation and which next steps are available. The SakeOf materials provided here do not specify the terms of bill review, negotiation support, advocacy, or any member commitment, so confirm the applicable program details before relying on those services.

For a larger planned or unexpected medical event, check the program rules that apply to the particular expense before making decisions. Ask what documentation is needed, what conditions apply, and whether a voluntary community-funding process is available for that event. Do not assume that an expense qualifies or that a particular amount will be shared. The Savings Guide and Jordan can help you locate the relevant current terms.

For emergencies, seek emergency care. Virtual care and routine membership steps are not an emergency response.

Other options and your next steps

If maternity care is relevant, the SakeOf materials describe a maternity feature that may include routine prenatal care, medically necessary testing and ultrasounds, delivery-related charges, and routine postpartum care through six weeks, subject to the sharing limit and program rules. Check the current terms to confirm whether the feature is selected, active, and applicable to your circumstances. The materials also distinguish eligible maternity expenses from items such as fertility treatment and elective procedures.

For any other household need—such as dental or vision services, physical therapy, equipment, or a specialist—check the current membership options rather than assuming a discount or benefit is available. Ask the provider for a service-specific estimate and verify how the option works before scheduling.

• Compare options: Start with the SakeOf calculator and Savings Guide.
• For a local appointment: Call New River Health at 304-469-2905 to verify the Scarbro location, service, availability, and charges. ^dhhr.wv.gov
• For state program questions: Visit WV PATH or the Bureau for Medical Services member resources. ^bms.wv.gov
• For membership details: Ask Jordan about active options, applicable rules, and the right next step, then review membership options if they fit your needs.