Champ Plan

Introducing
The CHAMP Plan™
Transforming employee healthcare through accessible, affordable benefits that promote well-being, generate measurable savings, and safeguard total plan costs.
Companies The CHAMP Plan™ Works With
Trusted by leading organizations across industries, The CHAMP Plan™ delivers comprehensive healthcare solutions that reduce costs while improving employee wellbeing. Our clients range from Fortune 500 companies to innovative mid-market organizations committed to employee health.
First Things First on The CHAMP Plan™
How it Started
The CHAMP Plan™ was founded on a simple yet powerful mission: providing essential healthcare to as many employees as possible at little to no cost. We recognized that traditional healthcare models often leave workers underserved, creating barriers to well-being that impact both individuals and organizations.
By leveraging cutting-edge technology, we engage individuals directly, educating them about their health and empowering them to make informed decisions. Our platform transforms passive healthcare consumers into active participants in their health journey.
How it Works
The CHAMP Plan™ operates on four fundamental principles that distinguish it from traditional healthcare approaches:
Complement, not Compete with primary medical coverage, filling critical gaps in care
Frontline of Defense for early intervention and prevention
Proactive, not Reactive healthcare that addresses issues before they escalate
Real Benefits employees can use regularly without cost barriers
How it's Funded
The program is structured to create a positive cash flow for both employees and employers:
Most Employees see an increase in net pay through optimized pre-tax benefit contributions and reduced taxable income.
Employers realize net savings through lower FICA tax obligations and improved benefits efficiency.
No new employer funding is required as the plan is fully supported by existing payroll structures.
The CHAMP Plan™ Benefits
Our comprehensive benefit package delivers immediate value through pre-tax savings while providing employees and their families with essential healthcare services they can use every day.
Unlimited Primary & Urgent Care
100% coverage for office visits with First Health Providers. No copays, no deductibles, no barriers to essential care. (Employee Only)
Virtual Doctor Visits
Concierge-level healthcare access for employees and their families. Think of it as having a personal physician available 24/7, ready to address health concerns whenever they arise. This isn't traditional healthcare—it's comprehensive, personalized medical attention on demand. (Employee + Family)
100% Preventative Care
Complete coverage for all preventative services required by the Affordable Care Act through First Health network providers. (Employee Only)
Unlimited Prescriptions $0 Copay
Zero copay access to 85% of most commonly prescribed medications within the CHAMP formulary. (Employee + Family)
Personal & Mental Health Care
Proactive well-being monitoring helps identify potential health risks before they become serious problems. Access private consultations with licensed professionals who provide confidential support for mental health, behavioral concerns, and personal wellbeing. (Employee + Family, Virtual Benefit)
Family Coverage Available: Benefits extend to employees, spouses/partners, and children. See detailed eligibility requirements in the fulfillment documentation.
The CHAMP Plan™ Comprehensive Care Coverage
Our board-certified doctors and licensed therapists provide expert care for a wide range of conditions, ensuring your employees have access to the support they need, when they need it.
Direct Primary Care
Our board-certified physicians can diagnose symptoms, prescribe medications, and send prescriptions directly to your pharmacy of choice. We treat most non-emergency conditions including:
Abdominal Pain & Digestive Issues
Allergies & Respiratory Infections
Asthma, Bronchitis & Sinusitis
Arthritis, Joint Pain & Gout
Blood Pressure Management
Cold, Flu & Fever
Headaches & Migraines
Eye Infections & Pink Eye
Rashes, Poison Ivy/Oak
STD Testing & Treatment
Sprains, Strains & Minor Injuries
Women's Health Issues
And many more conditions
Mental & Behavioral Health
Licensed therapists and counselors are available anytime, anywhere to provide confidential support for:
ADHD & Attention Disorders
Anxiety, Panic & Depression
Addiction & Substance Abuse
Anger Management
Bipolar Disorders
Career & Job-Related Stress
Child & Adolescent Issues
Eating Disorders
Grief, Loss & Trauma (PTSD)
Life Coaching & Life Changes
Relationship & Marriage Counseling
Parenting Support
Postpartum Depression
Self-Image & Confidence
And comprehensive mental well-being support
Additional Benefits of The CHAMP Plan™
Beyond core medical care, The CHAMP Plan™ includes innovative well-being tools and services that support whole-person health for employees and their families.
At-Home Lab Testing
Convenient testing kits delivered directly to your doorstep eliminate the need for lab visits. Our comprehensive panels include Complete Metabolic Panel, Complete Blood Count, and Enhanced Lipid Panel—empowering proactive health management through early detection and monitoring. (Employee Only)
Vitals Tracking
Monitor your vital signs, set personalized health goals, and build sustainable healthy habits with real-time insights and progress tracking. All from the comfort of your home, with data that helps you and your healthcare providers make informed decisions. (Employee + Family)
Virtual Veterinary Care
Unlimited 24/7 access to licensed veterinary professionals who provide expert guidance on the health and wellbeing of your cats, dogs, horses, birds, and other beloved pets. Professional advice when you need it most—without emergency clinic fees. (Employee + Family)
Introducing CHAMP Proactive
Every interaction with The CHAMP Plan™ generates valuable CPT codes that help substantiate the plan benefits and demonstrate meaningful healthcare engagement. Our proactive approach transforms employee well-being from a passive benefit into an active partnership.
Easy Digital Access
Connect with healthcare providers through our intuitive mobile app or web platform. Schedule consultations, access your health records, and manage prescriptions—all in one secure location.
Immediate Care Connection
Speak with board-certified physicians and licensed therapists within minutes, not days. No waiting rooms, no appointment delays—just prompt, professional care when you need it.
Continuous Health Monitoring
Track your health journey with comprehensive health data, personalized insights, and proactive recommendations that help prevent issues before they escalate.
Whole-Family Well-being
Extend comprehensive care to your entire family, including mental health support, prescription coverage, and preventative services—all under one integrated plan.
Each interaction with The CHAMP Plan™ generates CPT codes that help substantiate plan benefits and demonstrate meaningful healthcare utilization.
Before and After: Employee Paycheck Impact
See the real-world financial impact of The CHAMP Plan™. Through pre-tax deductions and FICA savings, employees receive comprehensive healthcare benefits while actually increasing their take-home pay.
Current Paycheck (Monthly)
Employee: Jackie Smith
Paycheck with The CHAMP Plan™
Employee: Jackie Smith
$1,130
CHAMP Plan™ Benefit Value
Total monthly healthcare value provided to the employee and family for comprehensive care.
$306
Monthly Tax Savings
Reduction in FICA and income taxes due to The CHAMP Plan's pre-tax benefit structure.
$190
Net Employee Out-of-Pocket Cost
The actual monthly cost to the employee after all tax benefits. Calculated as ($1,200 Pre-Tax + $120 Post-Tax) - $1,130 Benefit Value.
$116
Increased Take-Home Pay!
Employees actually see an increase in their net paycheck while receiving comprehensive healthcare benefits with The CHAMP Plan™.
Employer Savings: The Bottom Line
The CHAMP Plan™ delivers measurable financial benefits to employers through FICA payroll tax savings, creating a win-win scenario where employees gain comprehensive healthcare while companies reduce operational costs.
$57,360
Potential Annual Savings
Total employer savings for 100 enrolled employees through FICA tax reduction and administrative efficiencies
Individual Employee Monthly Breakdown
This calculation demonstrates the monthly per-employee savings for employers. By implementing The CHAMP Plan™ as a Section 125 pre-tax benefit, companies save on FICA taxes while providing valuable healthcare coverage.
Scalable Savings: The $47.80 monthly per-employee savings multiplies across your workforce. With 100 employees, that's $4,780 in monthly savings or $57,360 annually—funds that can be reinvested in your business or additional employee benefits.
Understanding The CHAMP Plan™ Transaction Structure
The CHAMP Plan™ creates net savings for employers while providing comprehensive healthcare to employees. Let's clarify exactly how the financial transactions work to ensure complete transparency.
Monthly Invoice to Company
You'll receive a consolidated invoice of $234 per enrolled employee per month, which breaks down into two clear components.
Administration Fee Component
$44 PEPM covers plan administration, compliance management, and ongoing support services provided by Champion Health.
Employee Withholding Component
$190 PEPM comes from employee pre-tax payroll deductions that you remit to Champion Health on their behalf—funds you would have paid them without the plan.
Employer Net Savings Calculation
Employee Net Benefit Cost
Key Insight: The great thing about The CHAMP Plan™ is there's a net savings for the employer. The employee pre-tax deduction generates FICA savings that exceed the administration fee, while employees receive comprehensive healthcare benefits that cost them less than the equivalent after-tax value.
The CHAMP Plan™ Getting Started
Implementing The CHAMP Plan™ is straightforward and begins with understanding your company's unique payroll structure. We've streamlined the onboarding process to make enrollment as simple as possible.
Generate Your Custom Proposal
To create a tailored proposal that accurately reflects your company's savings potential, we need a payroll census from your most recent pay period. This allows us to calculate precise employee savings and employer benefits.
Preferred format: Recent paystubs in PDF format
Often called "Payroll Register" or "Payroll Journal"
Must show current period only (not year-to-date)
Requires employee-by-employee Gross to Net Pay breakdown
Must include all itemized deductions and taxes
Secure Document Upload
We provide a secure, encrypted file upload link to protect your confidential payroll information. Alternatively, if manual entry is easier for your team, we can supply a payroll census template for you to complete.
Custom Analysis & Proposal
Our team analyzes your payroll data to generate a comprehensive proposal showing exact employee savings, employer benefits, and implementation timeline. You'll receive a detailed breakdown within 48 hours.
Questions? Our implementation specialists are available to guide you through every step of the enrollment process. Contact us to schedule a consultation and receive your secure upload link.
The CHAMP Plan™ Real Results from Real People
Don't just take our word for it—hear from employees and employers who have experienced the transformative impact of The CHAMP Plan™ firsthand.
"Game-Changer for Our Family"
"Having access to unlimited primary care and mental health services without worrying about copays has completely changed how we approach healthcare. My kids can see a doctor anytime they need to, and the prescription coverage has saved us thousands. Plus, my paycheck actually went up!"
— Sarah M., Marketing Manager
"The Math Just Makes Sense"
"As a CFO, I was skeptical at first. But when I saw the FICA savings and how much our employees valued these benefits, it became an easy decision. We're saving money while providing better healthcare access. That's a rare combination in today's market."
— Robert T., Chief Financial Officer
"No More Delayed Care"
"I used to put off doctor visits because of the cost and hassle. Now I can video chat with a physician in minutes, get prescriptions sent to my pharmacy for free, and even talk to a therapist when I'm stressed. The convenience alone is worth it, but the financial benefits make it incredible."
— Michael K., Operations Supervisor
The CHAMP Plan™ Legal Disclosures
The following disclosures provide essential legal and regulatory information about The CHAMP Plan™. Please review carefully to understand your rights and the plan's compliance framework.
Plan Documentation
Please refer to the Summary Plan Description and controlling Plan Document, as required by the Employee Retirement Income Security Act of 1974, 29 U.S.C. et seq. (ERISA), for complete details of the CHAMP™ Employee Benefit Plan, including all terms, conditions, exclusions, and limitations.
Non-Discrimination
The Plan is designed to comply with IRS Code requirements prohibiting discrimination in favor of highly compensated individuals regarding eligibility, contributions, and benefits. The Plan Administrator may exclude certain highly compensated individuals or limit contributions to ensure compliance with applicable nondiscrimination rules.
Privacy & Security
We maintain strict privacy and security protocols for all personally identifiable health information as required by law. While aggregate health data may inform program design, individual medical information is never disclosed publicly or shared with employers except as necessary for reasonable accommodations or as expressly permitted by law. Medical information cannot be used for employment decisions.
Mental Health Parity
In accordance with the Mental Health Parity Act (MHPA) of 1996 and the Mental Health Parity and Addiction Equity Act of 2008 (MHPAEA), this Plan applies uniform terms and enforces parity between covered physical health benefits and covered mental health/substance disorder benefits regarding financial restrictions and treatment limitations.
Applicable Law
This self-funded benefit plan falls under the Employee Retirement Income Security Act of 1974 (ERISA). The Plan is funded with employee and/or employer contributions. Federal law and jurisdiction preempt state law where applicable.
HIPAA Compliance
The Plan complies with all requirements for the use and disclosure of protected health information under 45 C.F.R. Part 164. Electronic submission of claims or eligibility inquiries must comply with all applicable HIPAA requirements, and all agents, business associates, and subcontractors must maintain HIPAA compliance.
Tax Disclaimer
Information provided is for general purposes only and does not constitute legal, tax, or financial advice. Tax laws are subject to change. Consult a qualified tax professional for advice specific to your circumstances. We assume no liability for reliance on this information or for errors or omissions.
Brand Identification
References to recognized brands do not constitute or imply any relationship with CHAMP™ or its business associates unless specifically stated. Client relationships may be limited to franchise owners and do not imply entire brand utilization.
Testimonial Disclaimer
Testimonials are provided by satisfied customers who were not compensated or incentivized for their statements. CHAMP™ is not responsible for opinions or statements made in testimonials.
Important: Please see the full Plan Document for a complete list of exclusions, limitations, and additional terms and conditions. Contact the Plan Administrator with any questions regarding plan provisions or compliance.