Broker FAQs
![Broker FAQs](https://www.sanabenefits.com/wp-content/uploads/2022/10/Employer-FAQs_Hero-Image-1.png)
Sana provides health benefits specifically tailored for small businesses. As a broker, you can help your clients access our comprehensive health plans if they have an office location in any of the following states: Alabama, Arizona, Illinois, Indiana, Kentucky, Michigan, Ohio, Oklahoma, Texas, Virginia, and Wisconsin.
Employees can be located anywhere in the U.S., there are no state restrictions on using a Sana health plan.
Businesses need to have a minimum of 2 employees and 5 total individuals (including spouses and dependents) enrolled in the plan.
Yes, dental and vision plans are available through Sana. We give members access to Beam for dental, and VSP for vision.
Sana saves your clients money in a few different ways:
- Access to Sana Care: Our virtual primary care and care navigation service, Sana Care, offers your clients convenient and affordable access to care. With Sana Care, members can receive medical care, prescriptions, and care plans from the comfort of their homes, at no cost to them.
- Negotiated Pricing with Providers: Sana negotiates pricing with healthcare providers based on objective, industry-accepted metrics. By reducing provider markups, we make premiums more manageable for your clients, ensuring they receive high-quality care at a lower cost.
- Level-Funded Plans: Sana provides level-funded plans, which allow employers to receive a credit or refund if they do not spend what was budgeted in their premiums. We can additionally apply deductible credits if an employer chooses to switch midyear.
- Tax Benefits: Small businesses can deduct the cost of employee premiums from their federal tax filings and taxes are only applied to the stop loss premium, opposed to being fully insured. Depending on their situation, additional tax credits may also be available.
Yes! The dashboard on our site allows administrators to easily add new employees, update contact information, adjust benefits (such as when an employee has a Qualifying Life Event), or remove employees from the plan. You can also reach out to our expert customer success team for assistance.
Sana targets small businesses with between 10 and 99 employees with the ability to enroll as few as 2 lives.
Census information and most recent renewal
The typical quote turnaround time is between 24-48 hours.
You can send your RFPs to Brokers@sanabenefits.com and our team of Sales Coordinators will process your quote.
With Sana, members get so much more than just a network. Members have access to Sana Care, a concierge medical team that can handle most care needs virtually. If members prefer in-person care or need specialty services, we can help them navigate our ecosystem of:
- Care Partners: Best-in-class providers who offer easy access and a variety of high-quality, low-cost care options and services.
- Contracted providers: Practices who already recognize and accept Sana.
- Affiliate network providers: Practices that can bill Sana based on our participation in Healthsmart and Prime Select networks.
There’s no extra cost to the member to use Sana Care — it’s already built into their plan.
The Greater of 2 Enrolled Employees or 50% Participation (sans valid waivers).
If a member has a preferred provider that isn’t in our network, they can still see them! We never charge out-of-network fees. Most providers agree to take Sana. Members just need to show their Sana ID card so providers can verify benefits and bill Sana directly. If their preferred providers don’t agree to bill us, they can reach out to our Care Access Support Team for help.