Start with Sana Care When You Need Care
If you’re eligible for Sana Care, it's a great first stop when you need medical support.
- Treat minor injuries or illnesses
- Refill prescriptions
- Manage chronic conditions
- Guide you to in-network specialists or other care options
- And more!
With Sana Care, you get convenient and high-quality care-- and it's 100% included in your plan.
If you're on a Sana First Health Plan (SFHP): Sana Care is your required starting point for most care. Before seeing an outside provider for care that requires a referral, you must start with Sana Care and complete the referral process.
If you receive care that requires a referral without first getting the required Sana Care referral, the claim will be denied and you'll be responsible for 100% of the cost.
You do not need to start with Sana Care for Emergency Room care, Urgent Care, OB/GYN care, or pediatric primary and preventive care.
To get started, log in to your Sana Member Portal and message our care team under the My Sana Care tab.
Learn more about Sana Care here: https://secure.sanabenefits.com/explore-sana-care
Want to see a different provider?
Sana First members: If you need outside care that requires a referral, start with Sana Care first. Care Navigation will help you find appropriate provider options and complete the referral process before you receive care.
For Non-Sana First members:
If you’d rather see a provider outside of Sana Care, you still have great options! 87% of providers agree to work with Sana, and you won't face additional costs for seeing non-contracted providers.
Here’s what to do:
Step 1: Ask Your Provider to Bill Sana Directly
Most providers are happy to work with Sana. Simply share this information with them:
Billing Script for Providers
“Here is my Sana insurance card. Please use the electronic payer ID or the address on the back of my member ID card to send claims directly. You can verify my benefits or ask billing questions quickly via chat at sanabenefits.com/chat (available Monday–Friday, 7 AM–7 PM Central) or by calling (833) 726-2123. Sana welcomes any provider to bill us directly, and members receive the same benefits regardless of the provider's contract status.”
Sana First members: Having a provider bill Sana directly does not replace a required Sana Care referral. Make sure you've completed the referral process before receiving care when a referral is required.
What if My Provider Won’t Bill Sana Directly?
If your provider won’t bill Sana directly, no worries — you can still see them using one of our Flex Care options:
- Self-Pay Reimbursements: Pay upfront and get reimbursed by Sana later.
- Access Requests (Single Case Agreements): Request a temporary agreement for specific procedures or providers.
Sana First members: Flex Care does not bypass the referral requirement. If your care requires a referral, you must complete the Sana Care referral process before receiving care. If a provider you've been referred to is unable or unwilling to see you, contact Care Navigation for help with another option.
Flex Care Options Comparison
| Situation | Direct Bill | Self-Pay Reimbursements | Access Request (Single Case Agreement) |
| I prefer to self-serve. | ✅ | ✅ | |
| I can pay upfront and submit a claim. | ✅ | ||
| I plan to ask for the provider’s cash rate. | ✅ | ||
| I have an upcoming surgery or procedure. | ✅ | ||
| My provider is part of a large hospital system or requires contracts for every visit. | ✅ |
How to Get Started
Step 1: Choose the right option.
- Start with Sana Care: Log in to your Sana Member Portal to message the Care Team
- Direct Bill: Ask your provider to bill us using the script above.
- Self-Pay: Request the provider’s cash rate and collect itemized receipts after your visit.
- Access Request: Submit a Single Case Agreement request for surgeries or providers requiring contracts.
What Happens at Your Visit?
- Sana Care: Speaking with the Sana Care team is fully covered. No need to worry about billing!
- Direct Bill: Check in as usual. Your provider will bill us directly.
- Self-Pay: Check in as usual and collect an itemized bill with CPT codes.
- Access Request: Check in as usual. Your billing contract will already be on file.
What Happens After Your Visit?
- Sana Care: You’re all set! No action needed.
- Direct Bill: You’re all set! No action needed.
- Self-Pay: Submit your claim for reimbursement via your Sana Member Portal.
- Access Request: You’re all set! No additional steps needed.