Maternity Benefits

If you're pregnant or considering having a family, Sana is here for you. 


Well-Woman Preventative Visits and prenatal visits are covered 100% and the deductible doesn't apply.

The following are 100% covered after deductible is met, though 10% coinsurance costs apply on some plans:

  • Childbirth/Delivery Professional Services
  • Childbirth/Delivery Facility Services

Note on pre-certification: While Sana automatically pre-certifies a maternity length of stay up to 48 hours for a vaginal delivery or 96 hours for cesarean delivery, we strongly recommend having your physician call to obtain pre-certification in case there is a need for a longer stay. 

Impregnation and Infertility Treatment

The following are covered at 90% covered by plan after the deductible is reached:

  • Artificial insemination
  • Fertility Drugs
  • G.I.F.T. (Gamete Intrafallopian Transfer)
  • Impotency Drugs such as Viagra™
  • In-vitro fertilization
  • Surrogate mother (unless the surrogate is a Participant, in which case the Preventive Care and/or Pregnancy expenses will be covered in accordance with the Plan provisions)
  • Donor eggs
  • Collection or purchase of donor semen (sperm) or oocytes (eggs)
  • Freezing of sperm, oocytes, or embryos, or any type of artificial impregnation procedure, whether or not such procedure is successful

Note on in-vitro fertilization: A single course of treatment for in-vitro fertilization is covered every three plan years if considered medically necessary.


Sana is proud to partner with Maven Clinic to support our members and their families throughout every stage of the new parent journey. 
Click here to check out this free benefit for all Sana members over 18 who are pregnant, or up to 6 months postpartum.
Important Note on Coverage
The above is a summarized example of coverage. Benefits and coverage are defined by your SPD. In case of a conflict, the SPD supersedes all summaries
If you have any questions please feel free to call us at (833) 726-2123 or send an email to