Most Benefits Strategies Are All-or-Nothing.
Ours Meets You Where You Are.
Whether you're a fully insured employer who's never questioned your renewal — or a self-funded employer ready to push further — our Crawl, Walk, Run, Fly framework gives you a clear, staged pathway to meaningful savings without disrupting your employees or overwhelming your HR team.
Every employer starts at a different stage. Every employer can advance. The question is: where are you now, and how far do you want to go?
Crawl
Low Disruption, Real Impact
This stage is about winning quickly and building confidence. We implement foundational strategies that employees barely notice — but that immediately start bending your cost curve.
What we deploy at Crawl:
Telehealth partnership to reduce unnecessary ER and urgent care visits
Centers of Excellence for complex procedures — better outcomes, lower costs
Biometric screening and health risk assessments to identify your high-risk population
Transplant carve-out to protect against catastrophic organ transplant claims
Competitive stop-loss marketing to secure stronger pricing and contract terms
What you'll see: Lower ER utilization, reduced unnecessary claims, and a foundation for deeper savings ahead.
2% - 6% in Savings
Walk
Stronger Strategies for Measurable Results
At Walk, we activate IMA's proprietary contract terms and vendor relationships — tools that most brokers don't have access to and can't replicate.
What we deploy at Walk:
Transparent PBM contract with full pass-through pricing and real rebate visibility
Closed formulary and step therapy to eliminate unnecessary specialty spend
Prior authorization enhancements to reduce avoidable high-cost procedures
Manufacturer assistance grant programs to lower employee drug costs
IMA's advocacy and navigation services — employees routed to high-value care
What you'll see: Measurable pharmacy savings, stronger employee engagement, and a plan that begins to work for you rather than against you.
7% - 16% in Savings
Run
Accelerating Impact, Driving Significant Savings
Run employers are no longer reacting to their health plan. They're managing it like the strategic financial asset it is — with the tools and contract protections to prove it.
What we deploy at Run:
Complex imaging network with transparent physician pricing and quality metrics
Value-Based Pricing (VBP) to reset provider reimbursement away from inflated charge-masters
International drug sourcing for high-cost maintenance medications
Value-based insurance design (VBID) — base and enhanced program structure
Renewal delivered 150 days in advance — not 60 days before panic sets in
Rate caps well below traditional market levels (vs. standard 40% cap) with guaranteed renewals and no new lasers
What you'll see: Predictable renewals, dramatically reduced pharmacy spend, and a plan your employees actually use well.
17% - 25% in Savings
Fly
New Heights in Cost Containment and Employee Experience
Fly is the pinnacle — a fully integrated, concierge-level benefits model where strategy, quality, and cost efficiency converge.
What we deploy at Fly:
Zero member cost for surgeries when engaging our concierge provider network
Deductibles as low as $500 single / $1,000 family — exceptional value for your workforce
Reinsurance carrier protection with alternate funding for claimants over $50,000
Narrow, high-quality provider networks delivering superior care at reduced cost
Fully integrated population health nursing and navigation for the highest-risk members
What you'll see: A benefits program that employees brag about, HR teams are proud of, and CFOs point to as a competitive advantage
25% - 35% in Savings
See How This Strategy Applies to Your Organization
Every employer is different. In 30 minutes, we'll map a customized approach to your workforce, your current plan, and your financial goals.