Healthcare, for the sake of each other
SakeOf is a peer-to-peer healthcare community built for people who want transparent, human-centered care without corporate middlemen. Share costs directly, support one another in times of need, and fund fair, verified healthcare together.
America doesn’t need another healthcare option.
It needs a better one. Welcome to SakeOf.
- See any provider with no networks, fewer barriers, no surprises
- Verified bills, fair prices, and real human advocacy every step
- Healthcare that feels personal, transparent, and built on trust
How SakeOf Works
SakeOf is a peer-to-peer healthcare community, not insurance. You pay a low monthly subscription, set your personal contribution cap, choose your provider, and receive support when you need it. Every act of care is personal - one member helping another, for the sake of better health.
🧾Subscribe
Your subscription supports SakeOf’s operations, advocacy, and member services — giving you access to care coordination, bill review, and negotiation help when you need it most.
🧭Choose Any Provider
See any licensed provider you trust, or use our tools to find high-quality, cost-effective care options that align with your health and financial goals.
📊Set Your Monthly Ask Cap
Based on your membership type and household size, your cap defines the most you may be asked to contribute in a given month toward other members’ verified bills — simple, transparent, and fair.
💚Help & Get Help
Your contribution funds sit safely in your SakeOf wallet. Each month, you may be matched to help fund another member’s eligible bill. When you face a health event, the community contributes directly to yours.
Note: SakeOf is a peer-to-peer healthcare program, not insurance. Learn more in our Program Guidelines or visit the FAQ for details on eligibility, limits, and participation.
Eligible vs Not Eligible
Eligible Expenses
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🩺
Preventive screenings & annual wellness
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🏥
Physician & hospital services
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⚕️
Urgent & emergency care
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🚑
Ambulance transport
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🔬
Testing, diagnostics & imaging
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💊
Prescriptions & vaccinations + Rx discounts
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🧠
Zero Copay Counseling Services
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📞
Zero Copay Urgent Care-Telemedicine
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🤰
Maternity care
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🧩
Physical therapy / OT
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🌿
Chiropractic adjustments
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🧘♂️
Acupuncture & integrative therapies
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🦽
Durable medical equipment (DME): crutches, braces, monitors, CPAP supplies
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🏡
Home health services
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🩺
Specialist visits: dermatology, orthopedics, cardiology, ENT and others
Not Eligible Expenses
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✨
Elective or cosmetic procedures
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🚫
Services not medically necessary
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📄
Items outside the Membership Guide
Estimate Your Monthly Cap
Choose a plan and add each household member by age band. Your cap is the most the community could ask in a single month. Base membership fee is $50 per member per month.
Advocacy, bill verification and negotiation, Rx benefits, telemedicine and virtual behavioral health, plus eligibility for peer-to-peer funding.
$50
Base membership fees (per month)
$140
Community ask cap (per month)
$190
Estimated monthly total (fees + cap)
Member Per-Event Commitment
Sharing Limits
Pre-Existing Condition Limits
Non Recurring Fees
Who it’s for
🌱 Health isn’t a transaction, it’s a shared act of purpose for the sake of each other. SakeOf is for people who want better care without the corporate middlemen - individuals, families, and groups who believe in community over complexity.
🧍 Individuals
Join a community that shares healthcare costs directly - transparent, fair, and human. Ideal for those seeking freedom from traditional insurance.
👩🔧 Contractors & gig workers
Keep your independence and your doctor. Take your membership with you from job to job, with predictable monthly caps.
👨👩👧 Families
Support each other through everyday care. Transparent funding and advocacy make family healthcare simpler and more affordable.
🕊️ Early retirees (pre-Medicare)
Stay protected between coverage stages. Affordable, community-funded healthcare without corporate overhead or age penalties.
🔄 Between healthcare plans
Transitioning between jobs, life stages, or coverage options? SakeOf keeps you connected to affordable, member-backed care during the gaps.
🏢 Small employers & groups
Offer your team community-backed care without renewals or surprise hikes. Predictable costs and shared purpose, not paperwork.
Get started in minutes
Built for anyone who want affordable care with better outcomes.
Choose membership
Pick the option that fits your budget and risk comfort.
Create account
Enroll yourself or your team, set your monthly ask cap.
Open wallet
Receive SakeOf wallet (and card where available).
Get care
Upload bills, get verified, and get funded by the crowd.
SakeOf is not insurance. Contributions are voluntary and made member-to-member. Eligibility, limits, and review criteria apply. See the Membership Guide & FAQs.
FAQs
Is there an application fee?
Yes. A one-time $100 application fee applies and is charged separately. The fee is non-refundable and helps cover onboarding, eligibility checks, medical review, and related administrative costs.
Is there a waiting period for new members?
Yes. New members have a 90-day waiting period before new needs become eligible for community funding. This allows time for verification, onboarding, and contribution stability.
Is SakeOf insurance?
No. SakeOf is a peer-to-peer healthcare community. Members contribute directly to each other’s verified bills based on individual caps and eligibility rules.
Can I keep my doctor?
Yes. See any licensed provider. We’ll help you compare quality and pricing, and we can work with your provider to request fair rates.
Who holds my money?
You do. Your contribution funds stay in your SakeOf wallet and are used to fund verified bills when matched. They are not commingled with subscription revenue.
How are bills verified?
We review submissions for eligibility, medical necessity, and accuracy, and we benchmark pricing. Only verified bills can be matched for funding.
What does “advocacy” include?
Navigation, price checks, repricing and fee negotiation, and provider coordination. We work to secure fair, transparent rates and simpler billing on your behalf.
What do I pay each month?
A subscription for tools and support, plus contributions when matched to a verified bill—up to your Monthly Ask Cap for your plan and household. You may choose to give more.
What is the Monthly Ask Cap?
Your personal limit on requested contributions in any month. It sets your predictable exposure. If you change plans or age tiers, your cap may change accordingly.
How do funding requests work?
Upload bills in the app. We verify and negotiate. You cover your Member Commitment, then the remaining eligible amount is matched to community contributions and sent to your wallet.
How do I pay at checkout?
Use your SakeOf wallet or Visa debit (where accepted) to pay approved, funded expenses at time of service, helping you capture cash pricing.
Are pregnancies eligible?
Pregnancy eligibility, waiting periods, and contribution amounts depend on the membership you select. See the Membership Guide for details.
What about pre-existing conditions?
Pre-existing conditions may be subject to waiting periods or limits. Refer to state availability and full terms in the Membership Guide.
What if a bill isn’t fully funded right away?
We continue outreach and matching. Verified bills can also receive additional voluntary support from members who choose to give beyond their cap.
What if a provider won’t accept the card?
You can pay out of pocket and upload the bill for verification and reimbursement through your wallet once funded.
Is SakeOf regulated like insurance?
No. SakeOf is not insurance and does not guarantee payment of medical expenses. It’s a direct, member-to-member contribution model with verification and negotiation.
Are contributions tax-deductible?
Contributions are voluntary and generally not tax-deductible like insurance premiums. Consult your tax advisor for guidance specific to your situation.
Can I use SakeOf with existing insurance?
Yes. Many members use SakeOf to help with out-of-pocket costs, non-covered services, or to access fair cash pricing outside networks.
Where is SakeOf available?
Availability can vary by state. For current availability and rules, see the Membership Guide.
How fast are bills funded?
Once verified, most eligible bills are funded to your wallet within a few business days, depending on case complexity and matching volume.
What happens if I cancel?
You can cancel anytime. Your wallet reflects finalized transactions; Balance is automatically contributed to pending verified bills until fully exhausted.
Talk to a Guide
We’ll help you compare options, pick a plan, and get fair prices from providers.