Therapy is covered after the deductible is met at the following coinsurance rates:

  • S plan covers 90%
  • P plan at 80%
  • E plan at 70%
  • B plan at 60%
  • H and HD plans cover 100%

Coverage is limited to 30 visits max per treatment and 60 visits total per plan year.

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
  • Psychotherapy
  • Occupational Therapy
  • Physical Therapy
  • Respiration Therapy
  • Speech Therapy
  • Vision Therapy

Covered Therapy Services Requiring Pre-Certification

  • Occupational Therapy
  • Speech Therapy
  • Respiratory Therapy
  • Infusion Therapy (excluding antibiotic infusion therapy)

Massage Therapy

  • Massage therapy is now available to members of all plans with a plan effective date of June 1, 2021, or later.
  • Massage therapy is a $25 copay for qualifying members on PPO Plus (S, P, E, and B) plans.
  • Massage therapy is covered and subject to the deductible for qualifying members of PPO Plus HSA (H and HD) plans.
  • 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.
  • Covered physical therapy treatments are limited to 30 visits per plan year, and are under the larger umbrella of therapy which has an overall limit of 60 per year.

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.