Healthcare when you work for yourself in Union

Start with a care plan that puts you in control

SakeOf is a healthcare membership for people who want a more hands-on way to plan care and understand costs. Members can choose among available options, select providers for in-person services, and ask for help reviewing medical bills. The aim is to make practical next steps clearer: consider the kind of care you need, check which membership features are active, and ask providers about availability and pricing.

Use the calculator and Savings Guide to explore membership options, search for providers, or ask Jordan for help comparing choices. For planned higher-cost care, contact SakeOf in advance when reasonably possible. This gives the team an opportunity to review the request and explain what information may be needed under program rules.

Use everyday care features when they fit

Zero Copay Telemedicine is an optional feature that provides access to telemedicine when selected and active, subject to program rules. It can be a convenient first step for concerns appropriate for virtual care. If you need an examination, testing, or follow-up that must happen in person, choose a provider and ask what appointment and payment options are available.

Virtual Primary Care is a separate optional feature that provides a dedicated virtual primary-care relationship, an annual virtual wellness visit, and ongoing follow-up for chronic care and medication management when clinically appropriate for virtual care. The current bundled service tier requires Rx and Prescription Benefits, Zero Copay Telemedicine, and Mental Health and Counseling to remain active. Check the membership options and current details before selecting it.

Rx and Prescription Benefits may help with eligible prescription needs when selected and active. Confirm whether a particular medication is eligible and what steps apply. Mental Health and Counseling is also an optional feature. Psychiatry, inpatient behavioral health, emergency psychiatric care, neuropsychological testing, residential substance-use treatment, and medication costs are separate unless another active benefit or program expressly includes them.

Choose local in-person care in Union

Monroe Health Center is listed at 200 Health Center Drive in Union, ZIP 24983. Its listed service categories include primary, dental, diagnostic, behavioral, and specialty services. Call the center to confirm which services are currently available, appointment options, and payment details. ^dhhr.wv.gov This local clinic can be a starting point when a concern needs in-person attention rather than a virtual visit.

Before arranging a test, specialist visit, or other service, ask who will provide it and whether that provider bills separately. Monroe Health Center describes how to request a Good Faith Estimate for qualifying non-emergency services. Ask whether an estimate includes tests, prescriptions, facility charges, and separately billed professionals; confirm the process and current details directly with the center. ^dhhr.wv.gov

Monroe Health Center also lists locations in Peterstown at 2869 Seneca Trail South and Forest Hill at 180 Old Schoolhouse Road. Call ahead to confirm which location can provide the service you need and whether appointments are available. ^dhhr.wv.gov The Monroe County Health Department is a separate public-health resource listed in Union. Its role differs from clinic care; confirm its services and current hours directly. ^dhhr.wv.gov

Get help understanding bills and prices

Full Service advocacy can help members with bill verification, fair-price review, and negotiation support. SakeOf reviews eligibility, medical necessity, documentation, and price fairness, and may negotiate or reprice a bill. A review does not guarantee that a charge will be eligible or that a bill will change. Unreasonable pricing may limit eligibility until negotiation is complete.

For a bill review, keep the itemized bill and related records. Submissions require an itemized bill with service dates, provider information, and CPT or HCPCS codes when available. SakeOf may also request clinical notes, medical records, billing details, or a signed release. Submit complete documents within six months of the service date, and send balance bills, denials, or payment demands within 10 days of receiving them.

Ask the provider for an estimate before planned non-emergency care and share relevant information with SakeOf in advance when reasonably possible. The provider’s estimate and SakeOf’s review serve different purposes: the estimate helps you understand expected charges, while SakeOf reviews a request under its program rules. Ask about separate charges that could affect the total.

Understand support for larger eligible needs

For a larger medical event, start by contacting SakeOf about planned care when reasonably possible. Request an estimate from the provider, keep itemized charges, and respond promptly if SakeOf asks for records. Eligible expenses are assessed under program rules, including the applicable member commitment. Voluntary community funding may be available for larger eligible events, but it is not guaranteed.

Keeping membership active, meeting applicable responsibilities, and providing complete documentation are important parts of the process. If an optional feature has already paid or discounted a charge, that same charge cannot be counted again as a separate sharing request unless SakeOf expressly approves an eligible remaining balance.

Match optional features to your priorities

Depending on your needs, you can consider options such as maternity care, dental and vision discounts, chiropractic and acupuncture, physical and occupational therapy, and durable medical equipment. Each option applies only when selected and active and remains subject to program rules. Check the feature details and ask SakeOf how the rules apply before planning a service around an option.

Maternity care has a continuous 12-month waiting period that must be completed before pregnancy begins for that pregnancy to be eligible. Adding or restoring the feature after conception does not make that pregnancy eligible. If maternity care is relevant to a decision, ask SakeOf about the requirements and applicable member commitment as you compare membership options.

Take your next step

• Considering a virtual visit? Check whether Zero Copay Telemedicine is selected and active, and whether your concern is appropriate for virtual care.
• Need in-person care in Union? Call Monroe Health Center to confirm the service, appointment availability, and payment details. ^dhhr.wv.gov
• Planning a service? Ask the provider for an estimate and whether tests, facility charges, or other professionals may bill separately.
• Have a bill to review? Gather the itemized bill and supporting records, then submit them promptly to SakeOf.
• Comparing membership options? Start with the calculator, Savings Guide, provider search, or Jordan.