Your 2027 Medical Plan Options
We’re committed to providing benefits that help support your health, well-being, and financial peace-of-mind. Be sure to review your options carefully and choose the coverage that best meets your needs.
Open Enrollment October 14 – November 6
Understand your plan options
before enrollment
If you do not make changes during Open Enrollment, most of your current benefits will continue next year. However, some specifics of the plans have changed, so we encourage you to take this opportunity to review all benefits and ensure you’ve made the best choice for yourself and your family. You will not have another chance to change your benefits until the next annual open enrollment period, unless you experience a qualifying life event.
Review your benefits guide:
With Imagine360 you have...
Complete support
Need to schedule care or have questions about a bill? Just call your personal care team.
Provider choice
You can choose high-quality providers that are right for you and your family.
Cost savings
Automatically get a better price for top-rated care with our built-in price protection.
Search providers before enrollment!
You can choose in-network providers and Open Access providers, sometimes called out-of-network. No matter where you get care, Imagine360 works to lower your costs so you don’t overpay. To search providers:
- Enter code: FOHMG
- Search by name, specialty or location
- Compare providers, see network status and check quality ranking
Find providers that work best with your plan by viewing the Historic Provider Acceptance score. If you need help finding a provider, call Imagine360. We can even book appointments for you.
Get the Care You Need, When You Need It
- Carrum Health: Expert care for major health conditions and procedures.
- Recuro Health: Convenient virtual visits and healthcare support from anywhere.
- Heartbeat Health: Specialized heart care with access to cardiology experts.
Support for Your Health
With Concierge Member Support from Imagine360, you’re never alone. You get a dedicated advocate to help you find doctors, answer billing questions, and guide you through your care journey – so you can focus on getting and staying well. You have access to providers and facilities through:
Imagine
Health
Partners Direct
Health
New for 2027
MultiPlan
If your provider does not recognize your plan, call Imagine360 at 844-799-3904. We can talk to the provider for you and quickly confirm your benefits and eligability.
Why Imagine360?
With most health plans, you’re left to figure things out on your own. Imagine360 gives you: the freedom to choose your providers, a care team that’s always available, and price protection and fair pricing no matter where you go.
Feature
Imagine360 Classic PPO
Imagine360 Performance HSA
Provider Access
Care access through Cigna PPO. Stay in-network for lower costs.
Freedom of choice. No network limits + price protection.
Pricing of Services
Cigna providers deliver care at contracted network rates.
Every provider claim is reviewed for errors and overcharges so you only pay a fair price.
Billing Support
You're responsible for applicable copays, coinsurance, deductibles and out-of-network costs.
You're responsible for applicable copays, coinsurance and deductibles – advocates fix provider billing issues for you.
Member Services
No matter which plan you choose, Imagine360 is here to help with benefits, provider searches and care guidance.
Learn more about your
health plan benefits
Imagine360
Welcome Overview
Imagine360
Getting Started
Imagine360
Common Questions
Common member questions
How is Imagine360 different?
We believe you deserve quality care at a fair price — and that you shouldn’t have to figure out healthcare on your own. That’s why we include built-in price protection, full member advocacy, and no-cost support from nurses and counselors.
What providers can I see?
With Imagine360, you have access to top-rated in-network providers that deliver care at fair, set prices. They can’t charge more, and you’ll save the most when you choose them. You also have Open Access, which means you can choose a provider even if they’re not in-network. Unlike most healthcare plans, we’ll work to lower your costs so you don’t overpay for care.
Can I keep my curent providers?
Yes. Many members find their current providers are available through their chosen plan. We encourage you to check your providers during Open Enrollment.
Our goal is for you to get care from providers you trust. If your provider has a question, just give us a call and we can talk with them. Or they can contact us at the number on the back of your benefits ID card.
Will Imagine360 help me find providers?
Yes. We compare providers by cost, quality and how well they work with your plan. Members can also use the online search anytime.
What is Imagine360 price protection?
Imagine360 plans include built-in price protection so our members don’t overpay for care. After you receive care, your provider sends us a request for payment called a claim. We review it for errors and overcharges. If needed, we adjust the amount paid to the provider. Most providers accept this amount. Price protection may sound too good to be true, but it’s been saving our members money for nearly 20 years.
Two easy ways to enroll.
- Schedule a benefits appointment at 855-317-8193
- Visit your enrollment task in Workday
Still have questions about Imagine360? We’re here to help! Call the Imagine360 member number at 844-799-3904.