Champion Health, Inc. has built a foundation on two valuable principles: Honesty and Integrity. Our faith and values stem from the Golden Rule: “Do unto others as you would want them to do unto you.” You can count on us to lead by example, be excellent stewards of your bottom line, and make your life less complicated. We are committed to giving you a first-class experience in everything that we do and providing exceptional and personalized service to each of our clients that is second to no one. We understand the complexities of healthcare and its benefits. We constantly evaluate our solutions based on the current healthcare and benefits landscape, keeping us focused on what new, innovative concept or product could be better for you. By partnering with us, we will deliver a better benefits solution than you can get anywhere else.

The CHAMP Plan™ is a unique and innovative healthcare solution designed to complement primary health insurance coverage by providing an employee with unlimited Primary Care/Urgent Care visits, 100% preventive care benefits, and zero-dollar copays for primary care or urgent care visits. It provides for the employee important healthcare cost containment benefits, such as unlimited access to their own Personal Health Assistant. The CHAMP Plan™ also includes for both employee and their family unlimited prescriptions for acute and prevention*. Unlimited Virtual Direct Primary Care is also offered to the entire family. Finally, an employee-focused health benefits package that improves their physical AND financial wellbeing! No copays. No deductibles. No coinsurance. No worries! The CHAMP Plan™ was also designed to engage employees in technology specifically developed to improve their health! All an employee must do is something they already do many times a day: check their email or get on their phone for about the same amount of time as scrolling through their Facebook feed! Our technology is one of the most innovative, intuitive, and interactive Wellbeing Management applications on the market. Employees will receive a Health Score by dedicating about 10-15 minutes each month to answering personalized and interactive health assessment questions through their online portal or Mobile App. Each month, the employee will be required to complete a personal resolution or activity to improve their Health Score! Our goal is to help employees learn how to make healthier choices and take a more proactive approach to manage their greatest asset: their health. Employees who satisfy these assessments each month will typically receive an increase in their net take-home pay which can be used by the employee however they want to use it. We put employees in complete control of those extra dollars.

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

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.

It’s simple! Once you send us a copy of the census, we can begin to identify your potential savings per employee.

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A robust list of nearly 200 generic and brand name prescriptions is covered by The CHAMP Plan™, including many of the nation’s top-prescribed drugs such as simvastatin and atorvastatin for high cholesterol, amlodipine and lisinopril for high blood pressure, levothyroxine for hypothyroidism, and bupropion for tobacco cessation, as well as antibiotics like azithromycin and amoxicillin, pain management medications like gabapentin and meloxicam, and mental health medications like lorazepam and clonazepam (see formulary list for full details). Prescriptions not on the list may also be covered at a significant discount.

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 amount deducted represents the maximum claims for the policy year. The third-party administrator (TPA) holds the monies 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, The CHAMP Plan™ meets the definition of MEC.

The CHAMP Plan™ is funded by the tax savings generated, so there is NO out-of-pocket cost!

No. The virtual direct primary care benefit is a $0 copay benefit. All family members living in the home receive this benefit.

If an employee’s primary health plan is ACA compliant, it will also cover preventive services. One of our many goals with the CHAMP Plan™ is to drive healthcare utilization away from an employee’s primary health plan. We want employees to get better and faster care, for less money! By helping employees utilize their healthcare benefits more effectively and efficiently, we will accomplish lower costs for healthcare together. Employees that are not on the company health plan can still participate. Think about this for a moment: the more employees use their primary health plan, the higher the claims will be on that plan. That has a direct correlation to how high premiums are. If we spread the cost of healthcare to other coverage and benefits, we can drive the cost of an employee’s healthcare down, and the employees are taking better advantage of their benefits! With the CHAMP Plan™, it sheds the utilization away from your primary plan.

The CHAMP Plan™ provides many benefits for employees, their spouse, and family! Here is a listing of the benefits available: (See all details on fulfillment documentation) For Employee: $0 copays for primary care and urgent care office visits $0 copay for unlimited 24/7 virtual direct primary care $0 copay for unlimited prescription drugs for acute and prevention Health Coaches Wellbeing management technology – innovative and intuitive software that helps employees take a proactive approach to their healthcare. For Spouse and Family: $0 copays for unlimited 24/7 virtual direct primary care $0 copays for unlimited prescription drugs for acute and prevention

The CHAMP™ Preventive Care benefits cover the services required to be covered under ACA guidelines for the employee.

The CHAMP Plan™ covers a long list of generic and name-brand prescriptions at 100% (see the formulary list.) The plan will also cover prescriptions not on the list at a significant discount.