Find financial relief for out-of-pocket medical costs.

Even with great coverage, out-of-pocket costs can add up. Imagine360 Financial Assistance helps eligible employees access programs that can reduce – and in some cases eliminate – what they owe.

The real financial burden of medical bills.

Cost concerns can keep employees from seeking care, and for those who do receive care, the out‑of‑pocket bills that follow can create lasting financial stress.

8 weeks of pay – average out-of-pocket cost of a medical crisis¹
50% of Americans delay or skip care because they can’t afford it²

These pressures affect wellbeing, recovery and productivity.

¹ Assumes post-tax annual pay of $48K (Bureau of Labor Statistics – 2025). Assumes spend equal to 2025 maximum out-of-pocket limit of $8,300 for HSA plans (IRS – 2025).

²Commonwealth Fund Biennial Survey (2024).

How does Imagine360 reduce
medical bill costs?

We use a layered approach to help employees manage the financial impact of healthcare — combining fair pricing, hands‑on support and extra relief when needed. Here’s how it works:

Reference-based pricing

Provider payments are tied to objective benchmarks, such as Medicare rates or actual cost data. This helps lower medical bill costs upfront and keeps pricing fair and predictable.

Guidance and support

We help employees find reasonably priced providers and proactively resolve billing issues.

Imagine360 Financial Assistance

When some out-of-pocket costs remain after insurance benefits are used, we’ll help eligible employees access available relief programs that can reduce or eliminate the amount they owe.

How Imagine360 Financial Assistance provides relief.

Financial Assistance offers extra help when medical bills create financial strain by connecting eligible employees to available relief programs. They may receive:

Did you know? Nearly 61% of Americans qualify for provider-based financial relief programs¹ — and those who qualify typically save $1,500+ through Imagine360 Financial Assistance.

¹Upland analysis of incomes in the US Census Bureau’s American Community Survey (2024).

How has Imagine360 Financial Assistance helped employees?

DEBRA’S STORY

Debra delayed her chemo treatment for six weeks because she couldn’t afford to pay her deductible upfront. Imagine360 Financial Assistance found 100% financial relief, giving her timely access to the life-saving cancer treatment she needed.

RHONDA’S STORY

Rhonda received a surprise bill from her surgeon’s PA staffing company and was shocked to learn they weren’t in her plan’s network. Imagine360 Financial Assistance submitted a dispute letter to the staffing company on her behalf, and they agreed to eliminate the entire balance.

Frequently asked questions

What is Imagine360 Financial Assistance?

Imagine360 Financial Assistance is a program that helps employees find and access relief programs for eligible out‑of‑pocket medical expenses that may remain after health plan benefits are applied.

Who is eligible for Financial Assistance?

We identify employees who may qualify for relief based on claim information, income and household size. Each relief program will likely have its own eligibility criteria.

Does Financial Assistance replace healthcare coverage?

No. Financial Assistance does not replace healthcare coverage. Imagine360 Financial Assistance simply helps employees find additional relief for out‑of‑pocket costs that may remain after their health plan benefits are applied.

Do you contact members proactively, or do they have to apply on their own?

Imagine360 Financial Assistance proactively reaches out to employees who may be eligible, helps with paperwork, and coordinates with providers from start to finish.