Healthcare that meets you when & where care happens
Healthcare costs are rising in 2026. SakeOf offers an alternative to insurance with fixed cash benefits, any-provider access, and real-time bill support. You keep the savings if care costs less.
- Fixed payouts per event like $150 office visit or $500 urgent care
- Repricing and negotiation so you never navigate a bill alone
- SakeOf Visa debit for point-of-service payments where accepted
How SakeOf works
Choose a plan, see any licensed provider, and get paid a stated amount when covered events occur. We help you shop smarter, negotiate the bill, and pay with your SakeOf Visa card where accepted. If the bill is lower than your payout plus your contribution, you keep the difference.
🏥 Event-based benefits
Members receive fixed cash benefits for defined services. Examples include office visits, urgent care, imaging, and short inpatient stays.
🧭 Repricing and negotiation
We help you find quality providers, request upfront cash prices, and negotiate fair bills after care.
💳 Pay at time of service
Where providers accept immediate payment, use your SakeOf Visa debit to complete checkout and secure discounts.
- 1Pick a plan that fits your needs and budget.
- 2See any licensed provider. No network restrictions.
- 3We help request a cash price and negotiate the bill.
- 4Get a fixed payout for the covered event.
- 5Use your SakeOf Visa card at checkout where accepted.
- 6If the final cost is lower, you keep the difference.
Not traditional insurance. Program terms, eligibility, and limits are described in the Program Guide.
Why now: 2026 cost pressure
What employers and independents face
- Premiums and deductibles rising into 2026
- Network lock-in and surprise facility fees
- Time lost shopping and disputing bills
What SakeOf offers instead
- Predictable fixed benefits by event
- Any licensed provider with real pricing support
- Keep the savings when care costs less
A simple schedule of benefits can be easier to budget than traditional insurance. You know what you get paid for common events before you book care.
Benefit examples
Illustrative amounts. Actual benefits, limits, and waiting periods depend on your selected plan. See the Program Guide for specifics.
Primary care office visit
Paid per visit when eligible. Use towards the bill at checkout with your SakeOf Visa where accepted.
Urgent care visit
Fixed payout for urgent care level services. We help verify the right site of care before you go.
Imaging
Illustrative range for X-ray, ultrasound, or MRI. We shop centers for quality and price.
Outpatient procedure
Examples include endoscopy or minor surgery. Pre-service repricing helps lock in savings.
Inpatient daily benefit
Daily amounts up to a plan limit. We support discharge planning and post-acute options.
Telehealth
Virtual visits for common needs. Many issues can be resolved without an in-person bill.
What is included vs not included
Included categories
- Wellness and preventive screenings
- Physician and hospital services
- Urgent and emergency visits
- Ambulance transport
- Testing and diagnostics
- Imaging services
- Prescriptions and vaccinations
- Maternity related care per plan terms
- Therapies like PT, OT, speech when eligible
Not included
- Elective or cosmetic procedures
- Services not medically necessary
- Items outside the Program Guide
Plans & pricing
All plans include telemedicine, online submissions, and transparent guidelines. Add $25/mo for each dependent over 3. Annual commitment saves 15%.
Essential
Great for individuals/mo
- Limited indemnity cash benefits per event
- Any licensed provider
- Telemedicine included
- Digital claims and quick review
- Includes BasicCare+ discounts
- Personal responsibility$3,000 / incident
- Office visit$150 per visit
- Urgent care$300 per visit
- Imaging$250–$500
- Inpatient daily benefit$300 / day
- Annual cash max$7,500
- MaternityNot included
- SakeOf Visa debitPoint-of-service where accepted
- VitalityOptional add-on
Standard
Most popular/mo
- Higher per-event payouts
- Repricing and negotiation support
- Any licensed provider
- Includes BasicCare+ discounts
- Vitality credits for labs
- Personal responsibility$1,500 / incident
- Office visit$175 per visit
- Urgent care$500 per visit
- Imaging$300–$700
- Inpatient daily benefit$500 / day
- Annual cash max$12,000
- MaternityUp to $8,000
- SakeOf Visa debitPoint-of-service where accepted
- VitalityDEXA + insulin + hs-CRP credits
Plus
Best for families/mo
- Enhanced payouts and daily benefits
- Primary care and virtual visits
- Any licensed provider
- BasicCare+ included
- Vitality included
- Personal responsibility$750 / incident
- Office visit$200 per visit
- Urgent care$600 per visit
- Imaging$400–$900
- Inpatient daily benefit$750 / day
- Annual cash max$18,000
- MaternityUp to $20,000
- SakeOf Visa debitPoint-of-service where accepted
- VitalityIncluded
Premium
Comprehensive/mo
- Top tier per-event payouts
- Highest inpatient daily benefit
- Any licensed provider
- BasicCare+ and Vitality included
- Priority support
- Personal responsibility$500 / incident
- Office visit$250 per visit
- Urgent care$750 per visit
- Imaging$500–$1,200
- Inpatient daily benefit$1,000 / day
- Annual cash max$25,000
- MaternityUp to $30,000
- Adoption benefitUp to $5,000 / event
- SakeOf Visa debitPoint-of-service where accepted
- VitalityIncluded + max credits
Not traditional insurance. Benefits pay fixed amounts per covered event and are subject to limits and waiting periods per the Guidelines. Availability may vary by state.
Who it is for
🏢 Small employers
Predictable costs without network hassles. Use alongside wellness or supplemental benefits.
👷 Contractors and gig workers
Keep your doctor, get paid per event, and take your plan from job to job.
👨👩👧 Families
Transparent benefits for common care. We help shop pediatric, imaging, and urgent care options.
Get started in minutes
Built for businesses, groups, contractors, and gig workers who want affordable care with better outcomes.
Pick a plan
Choose the option that fits your budget.
Create account
Enroll yourself or your team.
Receive cards
Membership and SakeOf Visa details.
Get care
Any licensed provider. Keep savings.
Not traditional insurance. See Program Guide for terms, eligibility, and limits.
FAQs
Is SakeOf insurance
No. It is a limited indemnity program that pays fixed amounts for defined events. Members use benefits plus their contribution to pay the bill.
Can I keep my doctor
Yes. You can see any licensed provider. We help you shop price and quality.
How do payments work at checkout
Present your membership card to bill normally. If a provider accepts immediate payment, you can use your SakeOf Visa debit to capture discounts.
Who keeps the savings if the bill is lower
You do. If the final cost is less than your benefit plus your contribution, the difference is yours to keep.
Are there waiting periods or limits
Some plans include waiting periods, visit caps, and daily or annual maximums. See the Program Guide for details.
Can I combine this with other benefits
Many members pair SakeOf with wellness, direct primary care, or accident benefits. Coordination depends on your plan.
How do claims work
Digital uploads and fast review. We can assign payment to you or directly to the provider depending on the case.
Talk to a Guide
We will help you compare options and build a plan that fits your situation.
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