Sana Pay


Sana Pay helps ensure you can see your preferred providers — whether they accept our invitation to work with Sana or not.

Over 90% of providers agree to work with Sana once invited. And for those who don't? We’ve got a card for that.

Now you can use your Sana Pay card to pay up-front for covered care.

How Sana Pay Works

  1. If you don't have a Sana Pay card already, sign in to your Sana account and request one.
  2. Use your Sana Pay card at your next appointment if your doctor doesn’t accept Sana, and request the "self-pay" rate.
  3. Collect the itemized receipt or “superbill” from your doctor at the end of your visit.
  4. Email Sana the itemized receipt or “superbill” from your visit to with the subject line: “Sana Pay Superbill”.
  5. We’ll email you an Explanation of Benefits (EOB), specifying your responsibility (copay, coinsurance, or deductible), plus a payment link for any patient responsibility due.
  6. If you have any trouble with the steps above, let us know. Our team can help.

With Sana Pay, you’ll never have to use your own funds to pay up-front for covered care again.


Are Sana Pay Cards like HSA or FSA cards?

No. Sana Pay Cards are designed exclusively to pay for up-front costs for covered medical services provided by providers who won't take Sana insurance. This is to help ensure you can see your preferred providers without being responsible for up-front payments. 

Can I use Sana Pay with my PPO Plus HSA plan?

Before deductible, Sana Pay is exclusively compatible with our PPO Plus plans.

To comply with federal regulations, our Sana Pay offering is not compatible with pre-deductible PPO Plus HSA plans. After deductible, PPO Plus HSA members can apply for Sana pay.

What are popular categories for Sana Pay?
Sana Pay is frequently used for office visits, mental wellness visits, acupuncture, and chiropractic care.

When can I use Sana Pay?

  • If you’ve invited your preferred provider to join Sana, but they chose not to accept the invitation.
  • If you have an emergency or immediate need before you have time to invite the provider.
  • If you’re traveling within the U.S. and need to see a provider who does not already accept Sana.

If you have an upcoming procedure and are not sure Sana Pay is the best option, our dedicated Provider team can help you find the highest-quality care that is right for you.

Do all covered medical services qualify for Sana Pay?

Yes — use your Sana Pay card to cover the full cost of your visit for covered services with a provider.

Sana Pay is not eligible for:

  • Standalone payments for your member responsibility (copays, deductibles, or coinsurance)
  • Dental or vision expenses
  • Prescriptions or over-the-counter medications
  • Medical equipment
  • Memberships or packaged discounts (pre-payment) for future visits

If you use Sana Pay for ineligible transactions, you will be invoiced the full transaction amount to refund your Sana Pay card.

Why do I need a superbill?

We rely on itemized bills to process claims and determine coverage and patient responsibility. If an itemized bill isn't available, you could be responsible for repaying the entire amount of the transaction to Sana. If you have trouble obtaining this, please reach out to for assistance.

What happens after I submit a superbill?

We will process your claim and determine the cost-sharing according to your plan — then we'll email you an invoice for what you owe.

  • Your claim may be subject to copay, coinsurance, or deductible. 
  • Some claims may take up to 60 days to process. 
  • You can track the status of your claim through the Medical Claims tab.

How do I repay my patient responsibility? 

We'll provide a payment link once we've determined your copay or cost-sharing amount. You're responsible for making the full payment by the due date stated on the link.

Note: After 30 days, any open invoices will be charged to the payment method on file. We do not offer payment plans at this time. 

May I use my FSA or HSA card as my card on file for Sana Pay invoices?

HSA and FSA cards are not eligible as a form of payment for this service; however, your payments may still be eligible for reimbursement through your HSA and FSA providers. Please consult your HSA or FSA provider for covered expenses and their reimbursement process.

What is the zip code for my Sana Pay card?

This is the zip code of your home address. 

What happens if I break the terms of Sana Pay?

Sana reserves the right to revoke cards that are used irresponsibly.

Does Sana Pay affect my credit score?

No. While Sana Pay cards are issued in your name, Sana is responsible for paying the full balance of your card each month for covered services. As long as you pay the patient responsibility through your Sana account once your claim is processed, there will be no impact on your credit score.

Can I use Sana Pay with COBRA?

No. COBRA members are ineligible for Sana Pay. 

Can I still use my own form of payment to pay up-front for covered services and use Rapid Reimbursement?  

Yes! Sana Pay is a new tool in addition to Rapid Reimbursement. It’s meant as another option for members who cannot or choose not to pay up-front themselves for services by their preferred providers who refuse to take Sana. You are always welcome to self-pay for covered services and Sana will reimburse you. Learn more about submitting claims for reimbursement.


Watch this 5-minute video to learn how Sana empowers you to get the care you need!


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.