Deductible Credits

If your employer switches to Sana in the middle of the year, and you're on a calendar year deductible schedule, you shouldn't have to start from scratch meeting your deductible. That's why Sana offers deductible credits to eligible members.

Deductible Credits Explained

Deductible Credits are dollar amounts equal to what you've spent toward meeting your deductible with your previous insurance provider. Credits are applied toward the deductibles of members and their dependents (if applicable) when they switch plans in the middle of the calendar year. Eligible members may receive deductible credits for as far back as January 1st of the current calendar year.

Deductible credits aren't automatically applied. They must be requested and approved.

Other Types of Credits 

At this time, Sana isn't able to apply credits toward your out-of-pocket max. We also aren't able to credit deductibles for vision and dental plans. 

Requesting Deductible Credits

To request deductible credits, please email Sana at with a PDF copy of your Explanation of Benefits (EOB) from your previous insurance carrier within 30 days of your Plan Effective Date with Sana. 

Have additional questions for Sana? You can reach us quickly via chat at Monday through Friday, 7 AM–7 PM CST,  or at or (833) 726-2123.