Dan Clark — Principal Lead

Helping Businesses
Keep More.
Helping Employees
Earn More.

12 years at the intersection of healthcare and financial services — delivering two solutions that put money back where it belongs.

Principal Lead, iM4 Health  ·  Healthcare Merchant Services  ·  Corona del Mar, California  ·  949.510.1853

See iM4 Health Get a Pro-Forma
100K+
Active employees enrolled today
400K+
Projected by year end
Not including ADP rollout
95%
Proven employee adoption rate
$0
Net employer cost. Absolute zero.
iM4 Health

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.

7%
Employee take-home pay increase per paycheck
$640–$750
Annual employer FICA savings per employee
95%
Employee adoption rate across all deployed groups
$0
Net employer cost. The savings fund the program.
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Unlimited Virtual Care
Primary care, urgent care, behavioral health, and dermatology — $0 consultation fee for the entire family, 24/7/365 access.
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Free Prescriptions
5,000+ most prescribed medications at $0 copay. Generic and chronic maintenance drugs covered. $0 cost select OTC medications.
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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 of continuous operation.
✓
A+ Rated Carrier Underwritten by United States Fire Insurance Company (Crum & Forster) — A (Excellent) AM Best, est. 1822.
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Greenberg Traurig LLP Legal counsel: Fred E. Karlinsky — one of the largest and highest-ranked law firms in the US with 3,100+ attorneys.
✓
State DOI Approvals Reviewed and approved by multiple state Departments of Insurance across the country.
✓
Fortune 500 Validated McDonald's Corp — 160,000 employees enrolled at a 95% adoption rate.
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Major Platform Signed Coastal Payroll / isolved — 195,000 employers and 8 million employees nationwide.
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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

Streamlining the Financial Side of Healthcare.

For 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. We understand both sides of the transaction — the clinical and the financial.

  • 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.
  • High-Efficiency Reporting — Automated reconciliation and reporting that gives your finance team real-time visibility.
  • Revenue Cycle Management — End-to-end payment optimization that reduces days in accounts receivable and increases collections rates.
12
Years serving the healthcare industry
API
Native integration into your existing systems
24/7
Support for your payment operations
$0
Setup fee for qualified healthcare practices
Industries served Medical practices · Dental offices · Behavioral health · Urgent care · Surgery centers · Physical therapy · Chiropractic · Veterinary · Health & wellness · Healthcare SaaS

Ready to See the Numbers?

Every organization's pro-forma is different. Drop me a message and I'll run a custom Fiscal Impact Analysis for your specific headcount — no obligation, no sales pressure. Just the math.

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949.510.1853
✉️
[email protected]
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LinkedIn
Request a Pro-Forma Merchant Services