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Employee CHAMP Plan Overview
CHAMP Plan - Health On Your Terms
Introduction:
CHAMP Plan Employee Benefits consist of a wide range of benefits covering Primary, Urgent, Preventative, Mental Health, Virtual Pet, Prescriptions, and Virtual Direct Primary Care.
One of the benefits of being enrolled in the CHAMP Plan™ is having access to our Personal Health Manager Program. This program is designed to help and assist employees in achieving a better quality of life by monitoring and aiming to identify high-risk areas.
In addition to the Personal Health Manager Program, employees may also receive the following CHAMP Plan™ benefits:
$0 Deductible
$0 Copay
$0 Deductible
$0 Copay
Unlimited Prescriptions Included on Drug Formulary
$0 Copay
100% Preventative Care Services
$0 Deductible
$0 Copay
Access to Physicians 24/7/365
Completely Confidential Consultations
Employee FAQ
Who is Champion Health, Inc.?
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.
What is the CHAMP Plan™ that we provide?
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 our 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.
Why does the paycheck look different?
An employee will note additional line items on their paycheck because of the employee’s participation in the CHAMP Plan™. These line items reflect a pre-tax premium contribution to the CHAMP Plan™, a post-tax premium for the CHAMP Plan™ premium, and an indemnity type benefit. What you want to compare is what your paycheck is without participating in the CHAMP Plan™ versus adding CHAMP™ to your benefits package. Our plan design puts more money into your pocket and, in nearly every employee’s case, increases their net take-home pay every month.
How private do you keep my personal information?
Your privacy is one of our primary focuses. We are passionate about keeping your personal information safe and secure. We are HIPAA, HITECH, and GLBA compliant.
How much does the CHAMP Plan™ cost?
The CHAMP Plan™ is funded by the tax savings generated, so there is NO out-of-pocket cost!
Can I unenroll from the CHAMP Plan™ at any time?
Because the CHAMP Plan™ is set up through a section 125 Cafeteria Plan, the rules and regulations of IRS Sections 125 apply to our plan. Unless an employee experiences a Qualifying Life Event, an employee who enrolls in the CHAMP Plan™ will not be eligible to make changes until the end of the plan year.
Is there a copay for the CHAMP Plan™ virtual direct primary care benefit?
No. The virtual direct primary care benefit is a $0 copay benefit. All family members living in the home receive this benefit.
My primary health plan covers preventive care also, is this duplicate coverage?
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.
How will I know when I need to participate?
Every month, employees will receive push notifications (messages and text reminders) and emails providing them with important information about their plan benefits and information intended to be used to help improve their health.
What happens if I do not participate?
The CHAMP Plan™ is a voluntary plan, and as such, an employee is not required to participate. If an employee chooses not to participate, they will not be able to join the plan until the next year’s open enrollment.
For employees who choose to participate but forget, we allow assessments to be completed anytime throughout the plan year quarter plus an additional (30) days grace period. However, suppose an employee misses a month of questions. In that case, their HR department may be notified, and communication will go out to remind that employee to participate.
What benefits do I get with the CHAMP 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
What types of benefits are covered under “Preventive Care”?
The CHAMP™ Preventive Care benefits cover the services required to be covered under ACA guidelines for the employee.
What do I show the physician or urgent care office to get my $0 copay?
We provide all employees with a digital ID card, available through our mobile app, that can be presented at the time of service. We also send a digital ID card via email.
What do I show the pharmacist to get my $0 copay?
We provide all employees with a digital ID card, available through our mobile app, that can be presented at the time of service. We also send a digital ID card via email.
Will my CHAMP plan™ cover name-brand prescriptions?
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.
Are my health responses kept private?
Absolutely, we are HIPAA compliant. Employee privacy is of the utmost importance for us. As such, we take every precaution to keep all information private. No personal information is ever shared with anyone.
