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Sana Benefits

Public facts

SMB level-funded medical

Level-funded small-business medical carrier with included $0 Sana Care virtual primary care, a published 16-state office list, and a 2-employee minimum.

Visit sanabenefits.com

Overview

Sana Benefits sells flexible, level-funded group medical for small and midsize businesses and pairs it with Sana Care—virtual-first primary care and care navigation included at $0. Public FAQs require a group office in AL, AZ, CO, DE, IL, IN, IA, KY, MD, MI, OH, OK, PA, TX, VA, or WI and at least 2 enrolled employees. The company cites 1.2 million+ providers, no out-of-network fees, prescription coverage on all plans, an employer portal for enrollment and billing, and broker commissions paid as a flat fee per enrolled-employee tier.

Why it matters Sana publishes a hard state list and a 2-life minimum—rare among alternative-funding medical vendors—plus included primary care rather than a buy-up clinic.

Target buyer
Small employers (2+ enrolled) with an office in a Sana-supported state, and brokers who want a level-funded medical quote with embedded primary care.
Pricing model
Quoted level-funded monthly cost; broker pay is a flat fee per enrolled-employee benefit tier unless otherwise specified
No public PEPM. Sana markets transparent pricing and tax-advantaged premium deductions. Surplus/refund mechanics are mentioned (“potential refunds”) without a published percentage.
Availability
AL, AZ, CO, DE, IL, IN, IA, KY, MD, MI, OH, OK, PA, TX, VA, WI
Research
Last researched 2026-08-23
Public facts category

Key features

  • Level-funded plans with potential refunds (vendor FAQ)
  • Sana Care: unlimited messaging with a dedicated care team; $0 virtual primary care
  • Built-in care navigation (not an add-on vendor, per Sana’s comparison table)
  • 1.2 million+ providers and out-of-network flexibility with no OON fees (vendor FAQ)
  • Prescription coverage on all Sana plans (details vary by employer plan)
  • Employer portal for enrollment, billing, and plan updates
  • Quote turnaround stated as 24–48 hours with census and latest renewal

Integrations

  • Sana Care virtual primary care and navigation (native)
  • In-network provider and partner ecosystem (full public roster not listed)
  • Employer and broker portals on sanabenefits.com

Overview

Sana Benefits is a group medical carrier aimed at small and midsize employers. The homepage frames Sana as “still insurance, but better”: a traditional-style health plan plus embedded Sana Care (virtual-first primary care and navigation) at $0, clearer pricing, and level-funded savings.

Eligibility on the public FAQ is specific: the group must have an office in AL, AZ, CO, DE, IL, IN, IA, KY, MD, MI, OH, OK, PA, TX, VA, or WI, and at least 2 enrolled employees. Brokers receive a monthly commission based on enrolled employees and benefit tiers at invoice creation, paid as a flat fee per tier unless otherwise specified. Quotes need a census and the most recent renewal; stated turnaround is 24–48 hours.

Key Capabilities

  • Level-funded medical with potential refunds and tax-advantaged premium deductions (FAQ wording).
  • Sana Care: message a provider, get treatment/referral/guidance, navigate benefits with a dedicated team; unlimited messaging.
  • Network: 1.2 million+ providers; members can see any provider they choose with no out-of-network fees; out-of-network doctors can still bill Sana directly (FAQ).
  • All plans include prescription coverage; details vary by employer plan.
  • Employer portal for enrollment, billing, and updates.
  • Broker tools and a broker FAQ (commission and quoting rules above).

Sana’s marketing table contrasts itself with “other carriers” on virtual PCP (included vs extra cost), navigation (built-in vs outsourced), and cost transparency. Those comparisons are vendor claims.

Integrations & Ecosystem

Native: Sana Care and the Sana employer/member/broker portals. The public site does not name a PPO rental brand or a full partner list. Provider search is inside the member account.

Pricing

Custom level-funded quote. No public rate card. Broker compensation is a published flat-fee-per-tier model, not a percentage disclosed on the FAQ. Refunds are possible, not quantified.

Notes & Limitations

  • states_available is the FAQ office-state list, not a claim that every employee must live in those states.
  • “No out-of-network fees” is Sana’s FAQ language; plan documents still govern billed charges and balance-billing risk.
  • Network composition and stop-loss carrier legal names are not fully specified on the homepage/FAQ captured here.
  • Do not treat Sana as a national-enrollment carrier based on “nationwide access” marketing; sale eligibility is state-listed.

Sources

Tags: level-funded · Sana · small group · virtual primary care · group medical