Small Business Health
Insurance in Kentucky
Small Business
Health Insurance
in Kentucky

Affordable. And built for Kentucky small businesses.

At Sana, you can choose comprehensive health plans that fits your budget. Our easy-to-use admin platform allows for quick and easy open enrollment and admin tasks. Your employees will get to keep seeing their preferred providers, get free virtual doctors’ visits, and even access to free fitness classes.

Sana plans in Kentucky

Health insurance doesn’t need to be complicated. Your employees will love the simplicity of Sana. Your account manager will walk you through the process of open enrollment to make it as seamless as possible. We cater to small businesses because we are a small business ourselves. We understand your challenges and have created solutions to help you overcome them.

Plan Comparison

Essential

Best for employers that want great coverage, low copays, and access to $0 virtual doctors' visits.

Premium

Best for employers that want first-rate coverage, low copays, and access to $0 virtual doctors' visits.

HSA Compatible

Best for budget-conscious employers that want to cover preventive care, provide access to an HSA, and have healthier than average employees.

Plan Type

PPO Plus

PPO Plus

PPO Plus HSA

Coinsurance

Plan pays 70%

Plan pays 80%

Plan pays 100%

Primary Care Visit

$25 copay

$25 copay

$0 after deductible

Specialty Care Visit

$25 copay

$25 copay

$0 after deductible

Preventive Care

$0 Virtual Doctors' Visits

Virtual care with PlushCare primary care, Blueberry Pediatrics*, and Ginger mental health

Physical Therapy, Massage Therapy, Chiropractic, Acupuncture

$25 copay

$25 copay

$0 after deductible

*Blueberry Pediatrics is only available to members in TX, NJ, NY, CA, PA, or FL. Sana does not currently offer plans to individuals.

Sana plans in Kentucky

Health insurance doesn’t need to be complicated. Your employees will love the simplicity of Sana. Your account manager will walk you through the process of open enrollment to make it as seamless as possible. We cater to small businesses because we are a small business ourselves. We understand your challenges and have created solutions to help you overcome them.

Plan Comparison

Essential

Best for employers that want great coverage, low copays, and access to $0 virtual doctors' visits.

  • Plan Type (PPO Plus)

  • Coinsurance (Plan pays 70%)

  • Primary Care Visit ($25 copay)

  • Specialty Care Visit ($25 copay)

  • Preventive Care

  • $0 Virtual Doctors' Visits

  • Physical Therapy, Massage Therapy, Chiropractic, Acupuncture ($25 copay)

Premium

Best for employers that want first-rate coverage, low copays, and access to $0 virtual doctors' visits.

  • Plan Type PPO Plus

  • Coinsurance Plan pays 80%

  • Primary Care Visit $25 copay

  • Specialty Care Visit $25 copay

  • Preventive Care

  • $0 Virtual Doctors' Visits

  • Physical Therapy, Massage Therapy, Chiropractic, Acupuncture $25 copay

HSA Compatible

Best for budget-conscious employers that want to cover preventive care, provide access to an HSA, and have healthier than average employees.

  • Plan Type (PPO Plus HSA)

  • Coinsurance (Plan pays 100%)

  • Primary Care Visit ($0 after deductible)

  • Specialty Care Visit ($0 after deductible)

  • Preventive Care

  • $0 Virtual Doctors' Visits

  • Physical Therapy, Massage Therapy, Chiropractic, Acupuncture ($0 after deductible)

*Blueberry Pediatrics is only available to members in TX, NJ, NY, CA, PA, or FL. Sana does not currently offer plans to individuals.

Sana vs. Everyone Else

Sana health plans for small businesses in Kentucky give employees high-quality health care without the huge price tag.

Others Sana
No out-of-network fees
Dedicated Customer Success Manager
95%+ customer satisfaction score
Free virtual doctors' visits on all plans
Free labs and imaging
Primary care visits

$25-$50

$25

Urgent care visits

$25-$80

$25

Specialty care visits

$45-$80

$50

Emergency room visits

$300-$750

$200

Free labs and imaging
  • Others
  • Sana
Primary care visits
  • Others

    $25-$50

  • Sana

    $25

Urgent care visits
  • Others

    $25-$80

  • Sana

    $25

Specialty care visits
  • Others

    $45-$80

  • Sana

    $50

Emergency room visits
  • Others

    $300-$750

  • Sana

    $200

  • Reduce health care costs

    Sana employs several strategies to keep costs low for small businesses. Providers are reimbursed through established benchmarks to reduce the cost of care for employees and employers alike. Sana Care providers give employees access to world-class care at little or no cost.

  • Know what you’re paying for

    We don’t do hidden fees. Sana is upfront and transparent, making your costs predictable so you can budget without worry.

  • Keep your doctor

    You can forget about out-of-network issues and limitations. Our PPO Plus network is all-access, which means your employees can keep their current providers and won’t ever get hit with out-of-network fees.

  • Get comprehensive care

    Sana provides access to high-quality health care providers. They can book video doctors' visits, mental health checkups, pediatric care, and more. Employers also have the option to add dental and vision to any plan.

  • Amazing customer service

    Sana is adding the human touch back into health care. When you partner with Sana, you'll get a dedicated customer success manager to guide you through implementation and beyond, as well as member advocates to assist your employees with their unique care needs.

FAQs

According to Kentucky law, no employer is required to offer health benefits, but the Affordable Care Act (ACA) does make it an obligation. However, these health care mandates are not applicable to all companies. Providing health insurance is not required if you have 1 to 50 full-time employees. However, you will become a more desirable employer when prospects are weighing their options by offering health benefits.

Companies with five or more employees can sign up for a Sana plan.

Establish your budget and objectives. You can streamline the process by working directly with Sana, so you don't have to use brokers or third-party administrators. In addition to providing plan administration and claims adjudication, we've got a seasoned implementation team to help you onboard. Also, you are not required to wait until your current plan cycle ends. You'll be able to transition mid-year with our team’s help.

Your costs will vary depending on the percentage of employee premiums you cover, the number of people you enroll, and whether you cover employees only or also their dependents. Your choice of plan also influences costs (and that of your employees).

Sana negotiates pricing with providers according to objective, industry-accepted metrics. By reducing provider markups, premiums become more manageable. Small businesses can deduct the cost of employee premiums from their federal tax filings. Depending on your situation, tax credits may be available.

Of course. The dashboard on our site allows employers and 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. Additionally, plan administrators can take advantage of Mineral (formerly ThinkHR) for free. Human resource and compliance professionals can tap into Mineral's support. Administrative employees can reach out to a team of HR advisors with questions and for assistance. They can get a compliant employee handbook with prewritten and automatic policy updates, and they can use an award-winning resource center.

What people are saying about Sana

Kristi Cheetham
J.L. Carr Enterprises, Inc.

“Thank you for everything that you’ve done for me! You made what could have been a difficult and stressful insurance process into one that is manageable. You took the time to explain everything to me and went out of your way to contact my providers. On top of that, you are one of the sweetest, kindest people I’ve had the pleasure to work with.”

Beth Adame
Alliance Abroad

“We have been loving Sana, the customer service and coverage are both wonderful. You guys have been a breath of fresh air…health care carriers have always been a thorn to work with. So, working with y’all has been professional, efficient, and personable. Appreciate all you do!”

Brian Tochman
Trust Ventures

“We definitely reduced our cost in health insurance by about 40%. It was a big savings and a no-brainer.”

Ready to change the way you do benefits?