Understanding Your Therapy Benefits

Discover available mental health benefits. All other types of therapy are represented below.

Plans effective before 11/1/26

Unless otherwise noted, coverage is limited to 30 visits per treatment and 60 visits total per accumulator cycle. Certain therapies may have different limits or exceptions.

Plans effective on or after 11/1/26

The following therapy visit limits apply:

• Physical Therapy (PT): 20 visits per accumulator cycle
• Occupational Therapy (OT): 20 visits per accumulator cycle
• Speech Therapy (ST): 20 visits per accumulator cycle

Other therapy benefits and visit limits may vary based on your plan.

Not sure which visit limits apply to your plan? Sign in to your Sana account and review your Summary Plan Description (SPD) under Documents to confirm your therapy benefits and applicable visit limits.

Covered Therapies

These include services or supplies used for the treatment of an illness or injury, as well as services that help a person keep, learn, or improve skills and functioning for daily living, and are available in a variety of inpatient and/or outpatient settings.

• Autism Spectrum Disorder Treatment (ASD/ABA Therapy)** 
• Cardiac Therapy
• Cognitive Therapy
• Occupational Therapy
• Physical Therapy
• Respiration Therapy
• Speech Therapy** 
• Vision Therapy

Note: 

• Autism Spectrum Disorder Treatment (ASD/ABA Therapy) has unlimited visits.
• Speech Therapy: Plans effective before 11/1/26 have unlimited speech therapy visits. Plans effective on or after 11/1/26 have a limit of 20 visits per accumulator cycle.

Covered Therapy Services Requiring Prior Authorization

• Cardiac Therapy
• Respiratory Therapy
• Infusion Therapy (excluding antibiotic infusion therapy)

• Speech Therapy 

  • Plans effective before 11/1/26: Speech therapy requires prior authorization.
  • Plans effective on or after 11/1/26: Speech therapy does not require prior authorization.

Always review your Summary Plan Description (SPD) to confirm the prior authorization requirements that apply to your plan.

Physical Therapy & Massage Therapy

• Massage therapy coverage depends on your plan’s effective date:
  • Plans effective before 9/1/26: Massage therapy is covered with a $25 copay.
    • Covered massage treatments must be administered by a physician or a licensed massage therapist. When you book directly with a massage therapist, you may need to pay upfront and provide an itemized superbill to Sana to get reimbursed for the balance after your copay.
  • Plans effective on or after 9/1/26: Massage therapy is not a covered benefit. You are responsible for the full cost of massage therapy services, and amounts paid do not count toward your deductible or out-of-pocket maximum.
• Physical therapy visit limits depend on your plan's effective date:
  • Plans effective before 11/1/26: Physical therapy is limited to 30 visits per plan year and falls under the larger therapy benefit, which has an overall limit of 60 visits per accumulator cycle.
  • Plans effective on or after 11/1/26: Physical therapy is limited to 20 visits per plan year and falls under the larger therapy benefit, which has an overall limit of 60 visits per accumulator cycle.

Refer to your Summary Plan Description (SPD) to confirm the visit limits and benefits that apply to your plan.

Looking for free or discounted therapy options?

Be sure to check out our trusted, high-quality, low-cost Care Partner providers:

• SWORD Health: Offers virtual PT & musculoskeletal (MSK) pain management 
   
• Bloom: Digital pelvic therapy from the comfort and privacy of home