Save $500-800 Per Employee Annually While Improving Employee Benefits & Take Home Pay.

The Champ Plan and Encompassing Health are Section 125-cafeteria plans. They are employer sponsored, voluntary, self-funded benefits plans. 

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Provides pretax benefits under a Section 125


Provides the company average savings of $500-800 per employee per year


Can increase employees pay by an average of $1,500 per year net ($125 per month)

About The Champ Plan

How it Works.



Doctor / Urgent Care visits

Added value health services

Champ Plan benefits

Direct Primary Care

The Champ Plan doesn’t interfere with or replace any current health plan.

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The Champ Plan

Employee Benefits

$0 Unlimited Primary Care Doctor / Urgent Care Visits

Personal Health Manager App (Employee Only)

Unlimited Prescriptions: $0 Copay

Attending Company Physician

Unlimited Telemedicine and Mental Health: $0 Copay

Workers Compensation Management Cost Containment Program

100% Preventative Care: $0 Copay (MEC)

Direct Primary Care (Employee plus Family)

Endorsed By the Two Largest Payroll Companies

Companies that use the Champ Plan or Encompassing Health

Curt Schmidt (Piggly Wiggly Owner)

We’ve been with the Champ PlanTM for over 3 years now At first, we were hesitant because we didn’t know if our employees would actually see the benefit. Looking back, we now wish we rolled it out years sooner. Our employees are healthier and they love the added medical benefits along with their higher paychecks. To date we have saved our company and our employees millions and have it implemented in 85 stores across the country. The Champ PlanTM has been the single greatest benefit we have implemented for our employees and our bottom line. 

Jay Hardesty (Arby’s Owner)

As a fast food chain we always had an issue offering benefits to our employees and the Champ PlanTM has been the perfect fit to accomplish that. Not only does it increase their pay but it provides minimum essential coverage and useful benefits they can use as standalone and with their current plan. The rollout was seamless to all our employees and despite the initial complexities of the plan, the employee experience has been very easy for them to understand. I can honestly say our only regret was not doing it sooner as the tax benefits have been real and tremendous. Our employees have been happy with their benefit plans and the competitive rates. We were pleasantly surprised to see the renewal rates come in lower than we anticipated that shows the effectiveness of the Champ PlanTM reducing the claims that hit our major medical. The Champ PlanTM has been great to work with and we appreciate their level of detail and expertise to help us manage our claims internally which has kept our rates down. 

IRS Corporate Auditor (1987-2019)

During my time as a corporate auditor representing the IRS, I saw many wellness plans that came under scrutiny because there were gaps between the design of the plan and the interpretation of the IRS rules. The Champ PlanTM closed those gaps. If I were still in practice with the IRS, there would be no potential exposure designed their plan within the letter of the law. 


Employees average increase in net pay per year


Fixed net savings per employee per year for the employer


Employee retention on the plans

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How it Works

Employee Benefits

Current Clients

Once a month, enrolled employees will engage in the Champ Personal Health Manager App directing them to complete a health module OR utilize the following tools and services organically: 

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