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With Imagine360, powered by Quantum Health, you have access to personalized support to help you understand and use your medical benefits. Quantum Health Care Coordinators can help you navigate your plan, find providers, understand claims and bills, and connect with available care and resources.
Start with Quantum Health
Your Quantum Health Care Coordinator can help with:
- Understanding your benefits & coverage
- Finding providers and facilities
- Claims and billing questions
- Navigating care and available resources
- Using your health plan
Reach out for support
New to Imagine360? Register to access your benefits and member resources
Medical Plan Options
BrightSpring offers four Imagine360 medical plan options so you can choose the one that fits your care needs and budget.
Copay vs. HDHP: Key Differences
This overview explains the general differences between Copay plans and High Deductible Health Plans (HDHP) paired with HSA. Use it to understand the plan types, then compare the four specific Imagine360 options below.
| Feature | Copay Plans | High-Deductible Health Plans with HSA |
|---|---|---|
| Premiums | Generally Higher | Generally lower |
| Deductible | Lower | Higher |
| Health Savings account (HSA) | Not eligible | Eligible |
| How you pay | Copays for certain services, plus applicable deductible/coinsurance | Generally, pay the cost until the deductible is met, then applicable coinsurance |
| May appeal to employees who | Prefer more predictable costs when receiving care | Want lower premiums and the opportunity to save tax-free for eligible healthcare expenses. |
Medical Rates
| Monthly | $900 Plan with Copays | $2,800 with Copay Plan | $2,000 Plan with HSA | $4,000 Plan with HSA |
|---|---|---|---|---|
| Employee Only | $436.90 | $344.84 | $336.11 | $196.47 |
| Employee + Spouse | $1,463.11 | $1,258.69 | $1,234.97 | $1,065.12 |
| Employee + Child(ren) | $789.16 | $615.37 | $593.86 | $549.65 |
| Family | $1,805.77 | $1,424.75 | $1,399.05 | $1,314.01 |
Benefits at a Glance
Compare the individual and family deductibles, coinsurance, and out-of-pocket maximums for each Imagine360 plan. For full coverage details and plan terms, visit the Plan Documents page.
| Medical Benefits | $900 Plan with Copays | $2,800 Plan with Copays | $2,000 Plan with HSA* | $4,000 Plan with HSA |
|---|---|---|---|---|
| Individual Deductible | $900 | $2,800 | $2,000 | $4,000 |
| Family Deductible | $1,800 | $5,600 | $4,000 | $8,000 |
| Coinsurance (plan pays) | 80% after deductible | 70% after deductible | 80% after deductible | 70% after deductible |
| Individual Out-of-Pocket Maximum | $4,000 | $5,600 | $4,600 | $6,000 |
| Family Out-of-Pocket Maximum | $8,000 | $11,200 | $9,200 | $12,000 |
| Pharmacy Benefits | ||||
| Generic (Retail) | $10 Copay | $10 Copay | 80% after Deductible | 70% after Deductible |
| Generic (Mail Order) | $25 Copay | $25 Copay | 80% after Deductible | 70% after Deductible |
| Preferred Brand (Retail) | $50 Copay | $50 Copay | 80% after Deductible | 70% after Deductible |
| Preferred Brand (Mail Order) | $125 Copay | $125 Copay | 80% after Deductible | 70% after Deductible |
| Non-Preferred Brand (Retail) | $100 Copay | $100 Copay | 80% after Deductible | 70% after Deductible |
| Non-Preferred Brand (Mail Order) | $250 Copay | $250 Copay | 80% after Deductible | 70% after Deductible |
| Specialty | Retail Copays Apply | Retail Copays Apply | 80% after Deductible | 70% after Deductible |
Important Plan Information
The benefits shown above are only a summary. Review the official plan documents, including the Summary of Benefits and Coverage (SBC) and Summary Plan Description (SPD), for complete information about covered services, exclusions, limitations, cost-sharing requirements, and other plan terms. If there is a difference between this summary and the official plan documents, the official plan documents govern.
Important: $2,000 HSA Family Deductible*
The $2,000 HSA Plan uses an aggregate family deductible. If you enroll in family coverage, the full family deductible must be met before the plan begins paying benefits subject to the deductible for any individual family member.
Prescription Drug Coverage
Prescription drug benefits shown above is a summary. Visit the Pharmacy Benefits page for complete information, about covered medications, specialty medications, prior authorization requirements, and other plan provisions.
Finding Doctors, Specialists and Facilities
Imagine360 provides several resources to help you find providers and facilities. Because provider arrangements can vary by provider type and location, use the applicable search tool or contact Quantum Health before receiving care if you have questions about provider access or coverage.
Use the tools below to search providers, hospitals, and facilities. Once enrolled, you’ll have access to an enhanced provider search tool through the member portal and support from your Care Coordinator with all your provider needs.
Doctors & Specialists
Use the MultiPlan Practitioner & Ancillary Network to search for participating doctors, specialists, laboratories, and other outpatient providers.
Hospitals & Facilities
Use the Imagine360 search tool to review hospitals and facilities.
Regional Networks
Your plan may provide access to additional regional networks depending on where you live.
Any applicable network information will be identified on your ID card after enrollment.
Open Access
Your Imagine360 plan may also provide access to providers through its Open Access provisions. Review the Open Access information or contact Quantum Health before receiving care if you have questions. Watch this brief video to learn more.
Programs Included with Your Medical Plan
Your Imagine360 coverage also provides access to programs and resources designed to support your health and help you navigate care.
Helpful Resources
Welcome to Your Health Plan
Overview of your benefits, support services, and how to get started.
Download Welcome Guide
Getting Started with Your Plan
Simple steps to access the member portal, find providers, and benefit support.
View Getting Started Flyer
Common Questions About Your Plan
Find answers to frequently asked questions about benefits, claims, and support.
View FAQs
How to Use Your Member ID
Your ID card includes everything your providers need to verify coverage.
View Using Your Member ID Flyer
Access Your Member Portal
Register for your benefits portal to access 24/7 plan information and tools.
View Member Portal Guide
Provider Guidance
Get answers to common questions providers have about billing, verification, and working with the plan.
Download Provider Guidance Resource
24/7 Virtual Care
Access convenient care options like telehealth and virtual visits for routine, urgent, or follow-up needs. Quick access to medical support without leaving home.
Download Recuro Virtual Care Guide
View FAQs
Heartbeat – Cardiology Support
Connect with cardiology specialists virtually for support managing heart conditions, reviewing symptoms, coordinating testing, and developing a personalized care plan.
Heartbeat-Cardiology Support
How to Submit a Claim for Reimbursement
Learn how to submit a claim and request reimbursement for eligible out-of-pocket expenses.
View Claim Reimbursement Instructions
Understanding Your Explanation of Benefits (EOB)
Learn how to read your EOB and understand what was billed, paid, and your responsibility.
View Understanding Your EOB Flyer
Balance Bill Support
Contact your support team if you receive a bill that doesn’t seem correct or exceeds your member responsibility.
View Balance Bill Guidance
Balance Bill FAQ
Understanding Your Health Plan
Watch a recorded presentation to learn more about Imagine360 and how your plan works.
Watch Imagine360 Recorded Presentation
Tips & Reminders
Helpful guidance throughout the year.
View Smart Tips
