Principal Lead · iM4 Health · Dan Clark
A fully compliant 213(d) medical care program that generates up to a 7% employee pay increase — funded entirely through FICA tax savings. Does not replace existing insurance — enhances it and provides where none exists. Backed by an A+ rated carrier. Trusted by McDonald's Corp and ADP.
Evaluating iM4 Health
Select your role to see the proof points that matter most to you.
Every open role costs money before you find a replacement. iM4 Health turns your existing payroll tax structure into a retention lever — delivering up to a 7% employee pay increase — no plan redesign, no open enrollment disruption, no employee cost.
iM4 Health reduces employer-side FICA liability under existing IRC Section 213(d) mechanics — no new spend, no plan restructuring, no cash outlay required to implement.
This isn't a wellness deduction or a workaround. It's a 213(d) medical care benefit, permanent under federal tax law since 1954, underwritten by an A+ (AM Best) carrier with zero compliance issues since 2020.
Your finance team gets a payroll tax line reduction averaging ~$757 per employee annually. Your CHRO gets a retention tool. Same program, two reasons to say yes.
How does this show up on our books?
As a reduction in employer-side FICA payroll tax liability — a line-item reduction visible on your 941, beginning in the first payroll cycle after enrollment.
Is this cash-neutral or cash-positive from day one?
Cash-positive from day one. The FICA savings exceed the program cost, generating net savings that begin accumulating immediately.
What's the assumption behind the $757/employee figure?
Based on 95% employee adoption — McDonald's documented result. Our conservative proforma uses 56% adoption ($1,080,421 annual savings on 1,427 employees). We'll run your actual numbers with no obligation.
What does implementation cost and how long does it take?
Zero implementation cost. No new infrastructure. Deployed as a pre-tax election through your existing payroll system. First savings appear in the first full payroll cycle post-enrollment.
660 employees. $250,000 in annual FICA savings. Zero new spend. Zero plan changes. Zero implementation cost. Savings began in the first payroll cycle after enrollment.
That's $250,000 that was leaving their payroll every two weeks — now captured and working for their organization. The proforma predicted it. The 941 confirmed it.
Commercial health plans pay hospitals 254% of Medicare rates on average — 346% in Florida. Hospitals now demand prepayments of $250–$30,000 before treatment. 36% of adults delayed or skipped care in 2026 because of cost.
iM4 Health routes 75% of those visits to $0 virtual care — before they ever reach a billing department charging 254% of Medicare. That's not just a benefit — it's a claims cost containment strategy.
iM4 Health integrates with every major payroll platform — ADP, Workday, UKG, Paycor, Paycom, Dayforce, isolved and more — with no API development required. It runs as a pre-tax election through your existing payroll infrastructure.
ADP's tech team described our integration as "the most extensive marketplace buildout they have ever done with a marketplace product."
Member Benefits
iM4 Health does not replace existing insurance. It enhances coverage and offsets out-of-pocket costs for those who have it, and provides comprehensive benefits for those who don't — full time and part time equally, from the first paycheck.
Primary care, urgent care, behavioral health and dermatology — unlimited visits with no copay, available to every enrolled employee.
94% employee satisfaction on virtual careNo copay on the 5,000 most prescribed medications, so routine treatment never becomes a cost employees skip.
5,000+ medications coveredDental, vision, hearing, labs, imaging, diabetes management and tele-vet — all included from day one.
Included at no employee costNo hours threshold and no waiting period. Full-time and part-time workers qualify immediately and coverage begins with the first paycheck.
No 30-hour rule · No 90-day waitSits alongside your current plan rather than replacing it — offsetting out-of-pocket costs for those covered and filling the gap for those who aren't.
Works with your existing benefits stackRouting 75% of visits to $0 virtual care gets employees treated faster — before care is delayed by cost or a billing department.
16% avg reduction in paid sick timeSenior Living & Healthcare Services
In senior living, a $2-3/hour effective raise is the difference between a caregiver staying or leaving for the next community. iM4 Health delivers that raise at zero net cost — day one, full time and part time equally.
Every caregiver — full-time, part-time, and PRN — receives a take-home pay increase in their very first paycheck. Not a bonus. Not a promise. A structural pay increase funded through FICA savings — approximately $757 per employee annually.
The program funds itself entirely through FICA tax savings. Your caregivers get more money. Your facility saves ~$757 per employee annually at 95% adoption. Net cost: $0.
Several senior living operators already live. Documented results: $116,581–$117,715 in annual savings per employer. 75% of urgent care visits cost-diverted to $0 virtual care.
Restaurant & Hospitality
iM4 Health is live at McDonald's Corp with 160,000 employees and Checkers & Rally's across 1,200 locations — both at 95% adoption. The same franchise workforce profile as your brand.
160,000 employees enrolled at 95% adoption. Full-time, part-time and seasonal — all covered from day one with no hours threshold and no waiting period.
10,000+ employees across 1,200 franchise locations currently onboarding. Same franchise workforce model as your brand.
No 30-hour threshold. No 90-day waiting period. Every crew member — full time or part time — gets the same benefits from their very first paycheck.
Employer of Record — Staffing & Private Equity
As the employer of record, every FICA tax saving generated by iM4 Health flows directly to you — not the client company. Your placed employees get a meaningful take-home pay increase. You capture the ~$757 per employee annually in FICA savings.
Every organization's numbers are different. Share four pieces of information and I'll run a custom pro-forma showing exactly what iM4 Health means for your specific workforce — no sales pressure, just the math.