Affordable. And built for Kentucky small businesses.

From Lexington to Louisville and beyond, small businesses in Kentucky can now get high-quality employee health plans that fit their budget. Our easy-to-use admin platform allows for quick and easy open enrollment and lightning-fast admin updates. Your employees will get to keep seeing their preferred providers, get free virtual doctors’ visits, and even access to free fitness classes.

Start getting better
benefits now.

Sana plans in Kentucky

Health insurance doesn’t have to be complicated. We offer packages your employees will love, backed by an expert support team you won’t get with the big carriers. We cater to small businesses because, well, we are a small business. We know your challenges and designed solutions to overcome them.
Plan
Comparison
Essential
Best for employers that want great coverage, low copays, and access to $0 virtual doctors' visits.
Premium
Best for employers that want first-rate coverage, low copays, and access to $0 virtual doctors' visits.
HSA Compatible
Best for budget-conscious employers that want to cover preventive care, provide access to an HSA, and have healthier than average employees.
Plan Type
PPO Plus
PPO Plus
PPO Plus HSA
Coinsurance
Plan pays 70%
Plan pays 80%
Plan pays 100%
Primary Care Visit
$25 copay
$25 copay
$0 after deductible
Specialty Care Visit
$50 copay
$50 copay
$0 after deductible
Preventive Care
$0 Virtual Doctors' Visits
Virtual care with PlushCare primary care, Blueberry Pediatrics*, and Ginger mental health
Physical Therapy, Massage Therapy, Chiropractic, Acupuncture
$25 copay
$25 copay
$0 after deductible

*Blueberry Pediatrics is only available to members in TX, NJ, NY, CA, PA, or FL. Sana does not currently offer plans to individuals.
Plan
Comparison
Essential
Best for employers that want great coverage, low copays, and access to $0 virtual doctors' visits.
Plan Type (PPO Plus)
Coinsurance (Plan pays 70%)
Primary Care Visit ($25 copay)
Specialty Care Visit ($50 copay)
Preventive Care
$0 Virtual Doctors' Visits
Virtual care with PlushCare primary care, Blueberry Pediatrics*, and Ginger mental health
Physical Therapy, Massage Therapy, Chiropractic, Acupuncture (PPO Plus)
Premium
Best for employers that want first-rate coverage, low copays, and access to $0 virtual doctors' visits.
Plan Type (PPO Plus)
Coinsurance (Plan pays 80%)
Primary Care Visit ($25 copay)
Specialty Care Visit ($50 copay)
Preventive Care
$0 Virtual Doctors' Visits
Virtual care with PlushCare primary care, Blueberry Pediatrics*, and Ginger mental health
Physical Therapy, Massage Therapy, Chiropractic, Acupuncture ($25 copay)
HSA Compatible
Best for budget-conscious employers that want to cover preventive care, provide access to an HSA, and have healthier than average employees.
Plan Type (PPO Plus HSA)
Coinsurance (Plan pays 100%)
Primary Care Visit ($0 after deductible)
Specialty Care Visit ($0 after deductible)
Preventive Care
$0 Virtual Doctors' Visits
Virtual care with PlushCare primary care, Blueberry Pediatrics*, and Ginger mental health
*Blueberry Pediatrics is only available to members in TX, NJ, NY, CA, PA, or FL. Sana does not currently offer plans to individuals.

Sana vs. everyone else

Sana offers Kentucky small business health plans that allow for predictability and
control while cutting your costs - all without sacrificing quality care.
Other Insurers 
Sana
No out of-network fees
Dedicated Customer Success Manager
95%+ customer satisfaction score
Free virtual doctors on all plans
Free labs and imaging
Primary care visits
$25-$50 $25
Urgent care visits
$25-$80 $25
Specialty care visits
$45-$80 $50
Emergency room visits
$300-$750 $200
Save money
Costs are set from established benchmarks, without huge markups. You may also pay less in taxes. These strategies help Sana cut your health care costs.
Know what you’re paying for
We don’t do hidden fees. With Sana, your costs are transparent and predictable so you can budget with confidence.
Choose your own doctors
Forget out-of-network hassles and limitations. Our PPO Plus network is all-access, meaning you and your employees can choose any provider without out-of-network costs or referrals.
Get comprehensive care
Sana offers you access to high-quality providers and the ability to add dental and vision care to any plan. Video doctors’ appointments, mental wellness, physical wellness, maternity and pediatric care are all included.
Use your claims & usage data to reduce costs
You own your plan, so you own your data. We give you access to modern tools that make understanding and administering your plan simple and transparent.
Start Getting More Affordable Employee Benefits Now.

FAQs

Does Kentucky require me to offer health insurance to my employees?
Kentucky does not require any company to offer health insurance benefits, although the Affordable Care Act (ACA) does. But not all companies are under the health care mandate. If your company has 1 to 50 full-time employees, you do not have to provide them with health insurance. However, offering coverage will make you a more attractive employer to employees evaluating their options.
Does the size of my business matter?
Currently, Sana can serve businesses with a minimum of 2 employees and 5 total enrollees.
How do I get health insurance for my small business in Kentucky?
No problem. You can keep your PEO for everything except benefits and get those from Sana. Sana integrates with many PEOs. It's common for our customers to "carve out" benefits for us and keep the rest with their PEO.
What will I pay for health insurance in Kentucky?
Each customer's rates will depend on a variety of factors, but we find that it's common for our customers to save 20% versus their legacy carrier's rates.
How does Sana save me money?
Not true! You can switch any time you like. You aren't bound to stay with your current benefits provider through the plan year.
Will Sana help me manage my plan in Kentucky?
Not true! You can switch any time you like. You aren't bound to stay with your current benefits provider through the plan year.

What people are saying about Sana

“Thank you for everything that you’ve done for me! You made what could have been a difficult and stressful insurance process into one that is manageable. You took the time to explain everything to me and went out of your way to contact my providers. On top of that, you are one of the sweetest, kindest people I’ve had the pleasure to work with.”
Read more
Kristi Cheetham
J.L. Carr Enterprises, Inc.
“We have been loving Sana, the customer service and coverage are both wonderful. You guys have been a breath of fresh air…health care carriers have always been a thorn to work with. So, working with y’all has been professional, efficient, and personable. Appreciate all you do!”

Read more
Beth Adame
Alliance Abroad
“We definitely reduced our cost in health insurance by about 40%. It was big savings and no-brainer.”
Read more
Brian Tochman
Trust Ventures

Ready to change the way you do benefits?