Sana Benefits

About Sana Benefits Level Funded Group Plans

Sana is a modern healthcare solution for small and medium businesses. Their mission is to provide employers with affordable, accessible, easy-to-use, quality health plans for their employees. They offer full medical, dental, and vision coverage plus a wide selection of valuable Sana Care offerings — all while keeping costs low through their efficient financing structure. Sana plans are available to businesses with a minimum of 2 employees and 5 total individuals (including spouses and dependents) enrolled in the plan.

Sana Benefits Plans State Availability

Sana is growing. Currently Sana offers their group plans to employers in the following states:

NOTE: The states above that you can click are states where US Insurance Solutions is currently licensed. Clicking a state link will take you to our page for that state where you can see ALL health plan options we offer in that state.

Sana Benefits Level Funded Health Plan Options

Sana offers the following plan options. You can also add dental and vision to any of the following plans.

Plan Comparison	HSA Compatible	Basic	Essential	Premium	Superior
Plan Type	PPO Plus HSA	PPO Plus	PPO Plus	PPO Plus	PPO Plus
Coinsurance(Plan pays)	100%	60%	70%	80%	90%
Primary Care Visit	$0 after deductible	$25 copay	$25 copay	$25 copay	$25 copay
Specialty Care Visit	$0 after deductible	$50 copay	$50 copay	$50 copay	$50 copay
Physical Therapy, Massage Therapy, Chiropractic, Acupuncture	$0 after deductible	$25 copay	$25 copay	$25 copay	$25 copay
Preventive Care
$0 Virtual Doctors’ VisitsVirtual care with PlushCare primary care, Blueberry Pediatrics, and Ginger mental health	Now Covered!

Sana Benefits Group Plans – Features and Benefits

Sana group plans offer the following:
PPO Plus all-access network, allows you to see who you want, when you want, without worrying about out-of-network fees
Sana Member Advocates to help you navigate your health care every step of the way.
Sana Care – Trusted, high-quality health care and wellness providers available to members at little to no cost. Get information on Sana Care providers here: https://www.sanabenefits.com/sana-care
Free access to Mineral (formerly ThinkHR). Mineral has a team of HR advisors that can help with your human resources questions.
Access to Dental plans with free smart toothbrushes through Beam Dental
Vision plans through VSP

About Level Funded Health Plans

As noted on our NAHP Alternative Health Plan Solutions page, Level Funded plan premiums are typically (at least) 15-20% less than the same plan design on an ACA/Obamacare, fully insured group plan. Plus, in most years with average to below average usage of the plan, there is an opportunity to receive an additional refund at the end of each plan year.

In addition to typically starting with lower monthly premiums, a Level Funded health plan can save employers more money by paying the claims of their employees with their own money instead of insurance premiums.

With a Level Funded group health plan:

• You pay one, level (fixed) monthly premium (Just like with a fully insured ACA/Obamacare plan). You never have to pay more than this fixed amount each month.
• Your monthly payment is split into three “buckets” to cover: 

1. Administrative costs of your plan
2. Stop-loss insurance and 
3. Funding your Claims Account to pay for your employee’s claims that are below the limits of your Stop-loss insurance

In most cases there are two separate Stop-loss insurance policies built in to your Level Funded plan. They protect you:

• If any one individual plan member has large claims during the year and
• If the overall group claims exceed the total of your Claims Account for the year.

After all claims have been paid for the plan year (after a run-out period of a set number of months), you are eligible to get back some or all of the remaining dollars in your Claims Account. When you start your plan, you choose how much you want to get back from the unused funds in your Claims Account. You can choose to get a refund check or use the money to lower your costs for the next year.

Small Group Level Funded Plan Quotes

If you would like to get a group health insurance quote for your business, the first step is to download and complete our group census form here: 

US Insurance Solutions Group Census form.xls

Please email the completed form to: [email protected]

Schedule a Call With Me:

Once you have completed and emailed the completed census form, please go to the link above that says CALL ME to schedule a consultation on my online calendar to discuss your situation and needs so that we can come up with the BEST health plan for your company.