About Us | Capital Bankcard Option — iM4 Health
12 years at the intersection of healthcare and financial services — delivering two solutions that puts money where it belongs
The one consistent theme emerging in conversations with HR and executive leadership is that employers are facing three converging challenges:
• Rising healthcare costs
• Increasing pressure on benefit budgets
• Growing employee affordability concerns
Most organizations assume improving employee affordability requires increasing employer spending or redesigning their health plan.
It doesn't.
iM4 Health works alongside an employer's existing health plan and leverages an established payroll methodology to improve employee take-home pay and expand access to day-one family healthcare for both full-time and part-time employees—without increasing employer costs.
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.
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.
Up to 7% Employee Pay Increase and much more.
• 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.
• 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’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.
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.
• 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.
Medical practices · Dental offices · Behavioral health · Urgent care · Surgery centers · Physical therapy · Chiropractic · Veterinary · Health & wellness
Proven outcomes that speak for themselves and make a meaningful difference for your business.