iM4 Health — 213(d) Medical Care Benefits
Helping Businesses Keep More. Helping Employees Earn More.
12 years at the intersection of healthcare and financial services — delivering two solutions that puts money where it belongs
iM4 Health - Details
A 7% Employee Pay Increase. Zero Employer Cost.
A 213(d) medical care benefit that increases employee take-home pay while generating savings for employers — funded entirely through FICA tax optimization. Not a wellness workaround. Permanent law since 1954.
The distinction that changes everything
Most benefit programs in this space have faced IRS scrutiny — and rightfully so. They were built around passive wellness participation with no real medical care involved. iM4 Health is different. Every claim payment is triggered exclusively by an IRC Section 213(d) medical care event — a consultation, assessment, or screening performed by a licensed medical professional. That is the legal and structural line between a compliant program and a liability. Bulletproof by design.
Employee take-home pay increase
- Avg 7% increase in net pay
- $640–$750 | Annual employer FICA savings per employee
- 95% Employee adoption rate
- $0 Net employer cost
Benefits
A 7% Employee Pay Increase. Unlimited Virtual Care
BENEFITS
• Unlimited Virtual Care — Primary, urgent, behavioral health, and dermatology. $0 consultation fee for the entire family. 24/7/365 access.
• Free Prescriptions — 5,000+ most prescribed medications at $0 copay. Generic and chronic maintenance drugs covered.
• Health Screenings & More — Health risk assessments, metabolic testing, genomics screening, preventative health coaching, dental savings, vision, labs, MRI, and imaging.
VALIDATION
• In operation since 2020 — zero compliance issues across 5+ years
• Underwritten by United States Fire Insurance Company (Crum & Forster) — A (Excellent) AM Best, est. 1822
• Legal counsel: Fred E. Karlinsky — Greenberg Traurig LLP — 3,100+ attorneys
• Approved by multiple state Departments of Insurance
• McDonald’s Corp — 160,000 employees enrolled at 95% adoption rate
• Coastal Payroll / isolved — 195,000 employers, 8 million employees nationwide
ADP Credential
ADP’s own tech team described our integration as “the most extensive marketplace buildout they have ever done with a marketplace product.” Their compliance team approved it because it’s built on 213(d) medical care — not passive wellness participation.
Streamlining the Financial Side of Healthcare.
Healthcare Merchant Services
For more than 12 years, Capital Bankcard Option has served the healthcare industry with payment processing solutions built for the unique demands of medical practices, healthcare systems, and health-adjacent businesses.
SERVICES LIST
• Seamless Integration — Native API connectivity into Practice Management and ERP systems for frictionless payment processing.
• Digital Registration — Automated patient and client onboarding that reduces administrative overhead and accelerates collections.
• Omni-Channel Capture — Text-to-pay, email-link, and integrated web portals that meet patients where they are.
• Revenue Cycle Management — End-to-end payment optimization that reduces days in accounts receivable.
• High-Efficiency Reporting — Automated reconciliation and reporting with real-time visibility.
INDUSTRIES SERVED
Medical practices · Dental offices · Behavioral health · Urgent care · Surgery centers · Physical therapy · Chiropractic · Veterinary · Health & wellness
Real Results
Proven outcomes that speak for themselves and make a meaningful difference for your business.