Even with great coverage, out-of-pocket costs can add up. The Imagine360 financial assistance team helps employees find provider-based relief programs and other resources that may reduce what they owe.
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.
These pressures affect wellbeing, recovery and productivity.
Medical bills can create financial stress, even after insurance pays its share. Our financial assistance team advocates on behalf of employees and their families, working directly with hospitals, physicians, and debt collectors to make care more affordable.
Here’s how our financial assistance team can help:
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 Advocacy.
DEBRA’S STORY
Debra delayed chemo and radiation for six weeks because she couldn’t afford to pay her deductible upfront. The Imagine360 financial assistance team 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 staffing company because they weren’t in her plan’s network. Imagine360’s financial assistance team submitted a dispute letter to the staffing company on her behalf, and they agreed to eliminate the entire balance.
Financial assistance is a broad term for programs that help eligible individuals reduce or eliminate medical bills. Many financial assistance opportunities are available through provider-based relief programs offered by hospitals, physicians, pharmaceutical companies, and other organizations.
Each provider-based relief program has its own eligibility criteria — typically based on income and household size. Our analysis estimates that nearly 61% of Americans qualify for provider-based relief programs that can help reduce out-of-pocket medical costs.
No. Provider-based relief programs do not replace healthcare coverage. They may help reduce out‑of‑pocket costs that remain after health plan benefits have been applied.
Imagine360 Financial Advocacy is a service that helps employees reduce out-of-pocket medical expenses not covered by insurance. We access provider-based relief programs, negotiate medical bills, and support employees with medical debt and payment challenges. Our financial assistance team works directly with providers, relief programs, and billing entities on employees’ behalf whenever possible.
No. Imagine360 advocates are not attorneys and are not permitted to give legal advice. Advocates support members by identifying potential provider-based relief programs, gathering information, communicating with providers or billing entities, and helping navigate next steps. Individual outcomes vary by situation and are not guaranteed.
