iM4 Health does not replace existing insurance. It enhances coverage and offsets out-of-pocket costs for those who have it.
No copay on the 5,000 most prescribed medications, so routine treatment never becomes a cost employees skip.
No hours threshold and no waiting period. Full-time and part-time workers qualify immediately.
Primary care, urgent care, behavioral health and dermatology — unlimited visits, no copay.
Dental, vision, hearing, labs, imaging, diabetes management and tele-vet — all included from day one.
Sits 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.
Routing 75% of visits to $0 virtual care gets employees treated faster — before care is delayed by cost or a billing department.
This observed result is separate from the take-home-pay economics and should not be interpreted as a forecast for another employer. We'll prepare an illustrative, employer-specific analysis showing both economic levers separately — no obligation.
Share four pieces of information and I'll build an illustrative financial model for your organization — no obligation, just the math.
Request an Illustrative Executive Financial Model →