Products / Level-Funded & Alternative Funding Programs
Imagine360
Public factsSelf-funded and level-funded medical with RBP
Self-funded employer medical company offering reference-based pricing, PPO, and a level-funded plan for 50–250 eligible employees with up to 50% surplus reimbursement.
Overview
Imagine360 sells alternative self-funded health plans to employers, with reference-based pricing, PPO, Complete Care (including Imagine360Rx), and a dedicated level-funded product. The level-funded page describes one monthly payment for claims, stop-loss, and administration; RBP plus a transparent pharmacy model; concierge and nurse support; and reimbursement of up to 50% of surplus if claims run low. That level-funded option is designed for businesses with 50–250 eligible employees. Company-wide marketing cites 1,000+ clients, 1 million+ physician providers, 15–30% cost savings, and 98% member satisfaction—all vendor figures.
Why it matters Imagine360 publishes a level-funded size band (50–250) and a 50% surplus cap, alongside the RBP plan it is better known for.
- Target buyer
- Self-funded or level-funded employers (level-funded band published as 50–250 eligible employees) and brokers who want RBP or Imagine360 TPA administration.
- Pricing model
- Quoted self-funded ASO and/or level-funded monthly package; no public PEPM
- Level-funded surplus share is published as up to 50%. Broader 15–30% cost-savings and Hendry Marine $22 million savings are case/vendor figures, not list prices.
- Availability
- National
- Research
- Last researched 2026-08-23
- Public facts category
Key features
- Level-funded plan: one monthly payment for claims, stop-loss, and admin (50–250 eligible employees)
- Up to 50% surplus reimbursement if claims are low
- Reference-based pricing medical option
- PPO option with independent TPA administration (named on the homepage)
- Complete Care with Imagine360Rx (licensed PBM, per launch news)
- Member concierge and nurse support
- In-house third-party administration, pharmacy, and out-of-network/out-of-area coverage pages
Integrations
- Imagine360 TPA (first-party administration)
- Imagine360Rx / licensed PBM (Complete Care)
- Health Rosetta Embedded Solutions partnership (2026 news)
- Provider network marketed as 1 million+ physicians (vendor)
Overview
Imagine360 is an employer health-plan company that markets self-funded medical built around fair pricing and member support. The homepage calls it an alternative self-funded health plan with nearly two decades of experience, 1,000+ clients nationwide, and a network described as 1 million+ physician providers.
Plan families on the public site:
- Reference-based pricing
- Level-funded (50–250 eligible employees)
- PPO (traditional network with an independent TPA story on the homepage)
- Complete Care (integrated medical and pharmacy; Imagine360Rx launched as a licensed PBM product)
Imagine360 also publishes TPA, pharmacy, financial-assistance, and out-of-network/out-of-area pages. URAC accreditation badges appear on the homepage (directory links provided by Imagine360).
ELAP is the historical RBP brand referenced in industry notes; current public branding is Imagine360.
Key Capabilities
- Level-funded: fixed monthly bill bundling claims, stop-loss premiums, and admin; RBP for medical; transparent pharmacy; up to 50% surplus back if claims are low; protection if claims run high.
- RBP self-funded plans for employers who want reference-based reimbursement rather than a broad PPO contract.
- PPO path for groups that want a contracted network.
- Complete Care / Imagine360Rx for integrated medical-pharmacy (launch news claimed employer savings as much as 30%).
- 360° member support: concierge team and trained nurses.
- Broker, employer, member, and provider portals.
Integrations & Ecosystem
First-party TPA and Rx. Health Rosetta integrated-plan news (2026) is a named partnership. The public site does not enumerate every stop-loss paper or rental PPO. Network size is vendor-reported.
Pricing
No public fee schedule. Level-funded is a packaged monthly maximum with up to 50% surplus share. Self-funded ASO/RBP fees are quoted. Homepage 15–30% savings and NPS 78 are marketing metrics.
Notes & Limitations
- Level-funded eligibility is published as 50–250 eligible employees; other Imagine360 products may use different bands (not fully listed here).
- No public state-exclusion list; “clients nationwide” → National.
- RBP can create provider-balance-billing and member-advocacy work; Imagine360 markets support but does not publish dispute rates on the pages reviewed.
- This category page is the funding/plan product, not a full TPA due-diligence file.
Sources
Tags: level-funded · Imagine360 · reference-based pricing · TPA · self-funded · PBM