Tax Advantage Wellness Plans
The CHAMP Plan™ is an employer-sponsored, IRS-approved benefits program that combines pre-tax healthcare advantages and wellness tools to improve employee health and reduce costs for today, tomorrow, and in the future.
Designed as a self-funded, personalized, clinical preventive healthcare program, the CHAMP Plan complements your organization’s primary healthcare insurance — making your overall coverage more cost-effective while improving employee retention and satisfaction.
Why the CHAMP Plan?
The CHAMP Plan resolves two of the most important concerns for your employees: take-home pay and benefits.
Participating in a Section 125 Cafeteria Plan reduces an employee’s taxable salary, increasing their spendable income with added benefits. Every dollar put through the Section 125 plan also reduces an employer’s payroll costs through a reduction in payroll tax liability — by eliminating the matching FICA taxes of 7.65%.
$573.60 in tax savings annually for each enrolled employee.
Key Plan Highlights
Members of the CHAMP Plan™ receive the following benefits:
- In-Person Primary Care Office Visits — $0 Deductible / $0 Copay
- In-Person Urgent Care Office Visits — $0 Deductible / $0 Copay
- Virtual Care, Anytime, Anywhere — On-demand virtual care 24/7 at no cost
- Unlimited Prescriptions (on Drug Formulary) — $0/$1 Copay
- 100% Preventive Care Services — $0 Deductible / $0 Copay
- Mental Health Support and Therapy — AI-powered chat, peer-to-peer support, and virtual therapists at $0 Copay
- Virtual Pet Care — Virtual care consultations for your furry friends
Benefits for You, the Employer
Retaining key employees is essential to every business, and a strong health benefits program is a critical part of what you offer. With the rising costs of traditional employer-sponsored health insurance, many U.S. employers are turning to defined contribution health benefits and self-funded plans as a smarter alternative.
A self-funded plan addresses both employer and employee concerns around cost-effectiveness:
- Customizable coverage — Tailor the plan to meet the specific healthcare needs of your workforce, rather than purchasing a one-size-fits-all policy.
- Greater financial control — Maintain control over health plan reserves and maximize interest income that would otherwise go to an insurance carrier.
- Improved cash flow — No requirement to pre-pay for coverage.
- Federal regulation only — Self-insured plans are governed under ERISA, so you are not subject to conflicting state health insurance regulations or benefit mandates.
- No state premium taxes — Avoid state health insurance premium taxes, which typically run 2–3% of the premium dollar.
- Freedom to choose providers — Contract with the providers or networks best suited to your employees’ needs.
Benefits for Your Employees
Employees can see up to a $300/month increase in take-home pay.
- Unlimited Primary Care Doctor / Urgent Care Visits (Employee only) — $0 Copay. The plan pays 100% of office visit charges through First Health Providers.
- Unlimited Prescriptions (Employee plus family) — $0 Copay. The plan pays 100% of prescriptions through retail pharmacies. (See formulary)
- Unlimited Virtual Primary / Urgent and Mental Health Care (Employee plus family) — $0 Copay. Virtual care gives the whole household fast and convenient access to board-certified physicians 24/7/365.
- 100% Preventive Care (MEC) (Employee only) — $0 Copay. Pays 100% with $0 out-of-pocket for all preventive exams as required by the ACA.
- Personal Health Manager (Employee only) — $0 Copay. Proactive medical care that helps identify potential health risks, with free and private access to Personal Health Assistants.
Personal Health Dashboard
The CHAMP Plan’s Personal Health Manager program is designed to help and assist members in achieving a better quality of life. Through the app, employees have access to:
- Health risk assessment
- Educational videos
- Curated content
- Tools for a better quality of life
Employees stay active on the CHAMP Plan by participating in at least one health-related activity in their personal health dashboard.
Easy Implementation — Zero Lift on Your End
We work directly with your leadership team, HR, and our partner Coordination Group to implement this fully managed, compliant wellness solution. There are no changes to your current insurance plan or healthcare networks and no upfront costs.
Whether you’re scaling rapidly, navigating cost control, or competing for top talent, the CHAMP Plan enhances your benefits offering instantly.
Contact Us
Request a free proposal today to learn more about how the CHAMP Plan can work for your organization.