Crawl
Low Disruption, Real Impact
This is about taking the first steps with simple, low-friction strategies that reduce costs without disrupting employees. In the Crawl stage, employers find success by implementing foundational strategies that build immediate impact. Partnering with a telehealth vendor improves access and reduces unnecessary ER visits, while Centers of Excellence ensure quality outcomes and lower costs for complex procedures. Wellness programs built on biometric screenings, health risk assessments, and health coaching create early momentum toward healthier employees and reduced claims. Adding a transplant carve-out program protects against catastrophic costs, and having a consultant market stop-loss coverage—rather than relying on a TPA—delivers stronger pricing and contract terms. Together, these steps form the groundwork for sustainable cost savings and improved employee wellbeing.
2% - 6% in Savings
Walk
Stronger Strategies for Measurable Results
Through partnerships with IMA and the leverage of our contract terms, employers are able to take their healthcare strategy to the next level. Our transparent PBM agreements deliver unmatched value by combining copay assistance, a closed formulary, step therapy, prior authorization enhancements, and manufacturer assistance grant programs. These terms ensure employers see true cost savings while employees benefit from improved access to necessary medications.
Finally, IMA’s advocacy and navigation services empower employees to make better choices, avoid hidden costs, and confidently access high-quality care. Together, these contract-driven solutions position employers for measurable savings, stronger health outcomes, and a sustainable benefits program.
7% - 16% in Savings
Run
Accelerating Impact Driving Significant Savings
Employers working with IMA and leveraging our stoploss contract terms can achieve even greater healthcare success by implementing advanced cost containment and quality strategies under our Run Structure.
Such things as a complex imaging network with transparent physician pricing and quality measures ensures employees receive high-value care at lower costs.
Our Value Based pricing structures and an international sourcing option for prescription drugs further reduce expenses while maintaining access. This coupled with our Value-based insurance design, paired with a base and enhanced program, creates flexibility for employees while incentivizing smarter healthcare choices. Together, these strategies create a more efficient, sustainable benefits structure that balances cost, quality, and choice for both employers and employees.
Employers following this Run approach receive their renewal 150 days prior to their effective date. They also have Rate Caps much lower than the traditional market(40%) with guaranteed renewals and no new laser.
17% - 25% in Savings
Fly
Reaching New Heights in Healthcare Cost Containment
At the Fly stage, employers working with IMA and leveraging our contract terms achieve a fully integrated and transformational healthcare strategy. Plan designs eliminate employee and family costs for surgeries when they engage our concierge providers, ensuring both quality outcomes and member satisfaction. Deductibles can run as low as $500 for single coverage and $1,000 for families, creating a fair balance between affordability and accountability. Risk protection is strengthened through our Reinsurance Carriers, paired with alternate funding options for high-cost claimants, with expenses over $50,000. Our narrow networks built on high-quality providers deliver superior care at reduced cost, while value-based insurance design, further sharpen financial efficiency. Employers in this structure have created a sustainable benefits model that not only controls costs but also elevates employee health, engagement, and retention. This is the pinnacle of healthcare success, where strategy, quality, and cost efficiency converge.
