FAQs
Does my company have to change their current health insurance plan?
No. The CHAMP Plan™ works alongside existing medical insurance. Employees keep their current primary healthcare coverage and providers.
How does the CHAMP Plan™ increase employee take-home pay?
Employees contribute to the plan through a pre-tax Section 125 deduction, lowering their taxable income. After completing monthly health activities (such as reading an article or watching a video), employees receive a post-tax CHAMP Benefit. The result is lower taxes and an increase in take-home pay.
Are family members covered?
Yes. Family members have access to many CHAMP Plan™ benefits, including virtual care, prescriptions, virtual veterinary services, and vitals tracking.
What is CHAMP Proactive?
CHAMP Proactive uses advanced technology and Mayo Clinic–powered learning to engage employees in improving their health. Monthly activities generate CPT/ICD codes that substantiate CHAMP benefits and help encourage healthier habits.
How does the CHAMP Plan™ save employers money?
Since the plan uses pre-tax contributions, employers save 7.65% in matching FICA taxes on the CHAMP pre-tax deduction amount. Many employers see significant payroll tax savings.
Is the CHAMP Plan™ compliant with IRS and ERISA regulations?
Yes. It is a qualified Section 125 plan, fully compliant with IRS rules, ERISA, HIPAA, Mental Health Parity, and other federal requirements. Claims are funded through a custodial account managed by the TPA.
How does enrollment work?
CHAMP uses a streamlined auto-enroll process for positively impacted employees. The CHAMP Enrollment Team handles setup, payroll coordination, employee education, and onboarding to ensure a smooth rollout.

