An Innovative, NO BRAINER
Solution To America's Health Care Crisis

Yes, as far as the individual mandate The CHAMP Plan™ meets the definition of MEC. As far as the employer mandate for companies with 50 or more employees the Champ Plan does NOT meet the definition of MEC for the employer.

No. The CHAMP Plan™ is a self-funded overlay program that complements existing traditional medical insurance plans.

+Unlimited Virtual Veterinary Consultations *Our Licensed Veterinary proffessionals inform, advise, and guide you on the steps to take for the health and well-being of your dogs and cats. (Employee plus Family) +Unlimited Virtual Physical Therapy *Transform physical therapy with our Augmented Reality platform, offering real-time feedback and accurate movement analysis using 111 body data points. (Employee plus Family) +Champ Shield *Work Shield is a team of specialized, caring professionals who provide a safe and impartial way to ensure you workplace harassment and discrimination concerns are heard, investigated and resolved without fear of retaliation. (Employee only)

Each pay period, a pre-tax deduction comes out of each employee’s paycheck to help fund the employer-sponsored CHAMP Plan™. The typical taxes are then taken from the now reduced pre-tax pay, and employees receive a post-tax benefit after participating in a monthly healthcare activity that triggers a CPT code and explanation of benefits. (Triggers are as simple as watching a video or reading an article). In short, a lower adjusted gross income results in lower taxes, which raises an employee’s take-home pay after The CHAMP Plan™ post-tax benefit is added to their paycheck!

What You Do: +Provide a census +Participate in pre-enrollment logistics +Sign Plan Documents and approve marketing materials +Provide ongoing support of plan What We Do: +Generate a proposal/analysis and review it with you +Design employee educational materials +Educate all employees on their benefits and how to use them +Host employee education calls during open enrollment +Provide employee support with a dedicated benefits hotline +Help with payroll coordination +Monitor employee engagement +Initiate engagement with employees to ensure compliance

Yes, and every month you wait, you’re losing out on potential FICA savings per employee!

No. Employees who voluntarily enroll in The CHAMP Plan™ can continue to use the same providers and receive the same medical care they’re already receiving through their traditional medical insurance. The CHAMP Plan™ can provide additional options for better quality care and cost savings as identified by the physician of record, but employees are not required to take those options.

Yes. The CHAMP Plan™ is a qualified Section 125 plan set up as a self-funded employer-sponsored plan that is 100% funded by employees through a pre-tax payroll deduction. The claims funding portion is held by the third-party administrator (TPA) in a custodial account and pays claims as they incur in accordance to the plan document and the schedule of benefits. The definition of a claim is defined as claims made to providers, facilities, pharmacies, or employees. Claims to employees result when an applicable CPT code is triggered with a corresponding explanation of benefits (EOB). Examples of these claims include preventive examinations, bio-metric screens, health risk assessments, and chronic medication fulfillment. Claims made to employees are neither taxable nor considered ordinary income. The amount of premium charged to employees is actuarially set to cover the claim risk on the plan while meeting a desired medical loss ratio (MLR). At the end of the plan year and the runout period, any potential surplus left in the claim account is considered a plan asset to the employer.

Yes! We love sponsoring unions. Heres a little more info below.

Absolutely! While we work with larger enterprises, our solutions are designed to scale for businesses of any size—whether you’re a startup with 10 employees or a union with 100,000+ employees. Our approach is flexible and customized to meet the specific needs of your business, regardless of its size, industry, or growth stage. We help companies optimize their employee benefits and maximize profits in ways that work for them.