What CHAMP Does for Employers
Enhanced Benefit Offering
✓ Supplemental
✓ Standalone (<50 FTE)
✓ Financial impact
Zero Plan Disruption
✓ Retain existing coverage
✓ Easy implementation
✓ Front-line benefit - Redirect
Bottom Line
Impact
✓ Combat Rising Healthcare
✓ Employees pay goes up
✓ Employers save on FICA
Stronger Retention
✓ Remove barriers to care
✓ Life-style friendly
✓ Families Benefit as well
What CHAMP does for your Employees
All $0 Out of Pocket Legend: ■ Employee Only ■ Employee + Family
PCP & Urgent Care
✓ In-person Benefits
✓ Nationwide Network- 1st Health
✓ Preventative Care
Blood Lab Testing
✓ At Home Kit
✓ Multiple Comprehensive Panels
✓ No Lab Visit Required
Lifestyle Content
✓ Personalized Health Content
✓ Activities Completed in App
✓ Monthly Reminders in App
Virtual Primary Care
✓ On Demand - 7 Minute Visits
✓ Scheduled Visits, if Preferred
✓ Maintain Ongoing PCP Access
Formulary/Rx
✓ Over 600 Covered Medications
✓ 70,000+ Pharmacies
✓ $0 Cost or Highly Discounted
Virtual Mental Care
✓ Licensed Therapist
✓ Peer-to-Peer - 24/7
✓ AI Companion - Bella -24/7
Vitals Scanning
✓ 30-seconds
✓ FDA Approved
✓ Holistic View
Virtual Vet Care
✓ Licensed Vet
✓ 24/7 Chat
✓ 4 Virtual Appts.
What CHAMP does for your Employees
All $0 Out of Pocket Legend: ■ Employee Only
PCP & Urgent Care
✓ In-person Benefits
✓ Nationwide Network- 1st Health
✓ Preventative Care
Blood Lab Testing
✓ At Home Kit
✓ Multiple Comprehensive Panels
✓ No Lab Visit Required
Lifestyle Content
✓ Personalized Health Content
✓ Activities Completed in App
✓ Monthly Reminders in App
What CHAMP does for your Employees
All $0 Out of Pocket Legend: ■ Employee + Family
Virtual Primary Care
✓ On Demand - 7 Minute Visits
✓ Scheduled Visits, if Preferred
✓ Maintain Ongoing PCP Access
Formulary/Rx
✓ Over 600 Covered Medications
✓ 70,000+ Pharmacies
✓ $0 Cost or Highly Discounted
Virtual Mental Care
✓ Licensed Therapist
✓ Peer-to-Peer - 24/7
✓ AI Companion - Bella -24/7
Vitals Scanning
✓ 30-seconds
✓ FDA Approved
✓ Holistic View
Virtual Vet Care
✓ Licensed Vet
✓ 24/7 Chat
✓ 4 Virtual Appts.
What CHAMP does for your Employees
All $0 Out of Pocket Legend: ■ Employee Only ■ Employee + Family
PCP & Urgent Care
✓ In-person Benefits
✓ Nationwide Network- 1st Health
✓ Preventative Care
Lifestyle Content
✓ Personalized Health Content
✓ Activities Completed in App
✓ Monthly Reminders in App
Blood Lab Testing
✓ At Home Kit
✓ Multiple Comprehensive Panels
✓ No Lab Visit Required
Virtual Primary Care
✓ On Demand - 7 Minute Visits
✓ Scheduled Visits, if Preferred
✓ Maintain Ongoing PCP Access
Formulary/Rx
✓ Over 600 Covered Medications
✓ 70,000+ Pharmacies
✓ $0 Cost or Highly Discounted
Virtual Mental Care
✓ Licensed Therapist
✓ Peer-to-Peer - 24/7
✓ AI Companion - Bella -24/7
Vitals Scanning
✓ 30-seconds
✓ FDA Approved
✓ Holistic View
Virtual Vet Care
✓ Licensed Vet
✓ 24/7 Chat
✓ 4 Virtual Appts.
CHAMP PLAN FUNDING
Funding, Where Everyone Wins
CHAMP Has Two Congruent Plans — Designed to Work Together
Minimum Essential Coverage Plan
Pre-Tax
A qualifying health benefit through Section 125 of the IRS, that reduces taxable income.
$(1,200) Pre-Tax Deduction
Health Population Management Plan
Post-Tax
A fixed indemnity benefit paid directly to the employee's paycheck as non-taxable.
+$1,010 Non-Taxable Benefit
Together, these two components reduce taxes and increase take-home pay.
Employees will see these on their paycheck.
The Pre-Tax Deduction ($1200)
Minimum Essential Coverage (MEC) Plan — Components. Built on a 45-Year-Old IRS Rule
Qualifying Employer-Sponsored Health Component
Section 125 Pre-Tax Structure
Reduction of Taxable Income
Within the CHAMP plan, $1,200 is removed from taxable wages before taxes are calculated.
Health Population Management Plan + $1010
Non-Taxable Benefit with CHAMP Participation
Fixed Indemnity Benefit
Employee's engagement in their monthly activities substantiates this benefit
Non-Taxable Earnings
The allocation of the Employee's Post Tax Premium supports how this benefit is paid to employee
Participating employees receive $1,010 back as a non-taxable CHAMP benefit.
How CHAMP Works
$1,200
Pre-Tax Reduction
Removed from Taxable Income (Part 1)
$1,010
Non-Taxable CHAMP Benefit
Non-Taxable Benefit (Part 2)
$190*
Net Cost Total out-of-pocket per month
*$120 paid as Post-Tax Premium
Funded Through Tax Savings
Your Employee's Paycheck Before CHAMP
Taxed on Everything They Earn Nothing reduces their taxable income
Monthly Income
$4,000
Taxes Paid
$(810)
Take-Home Pay
$3190
Your Employee's Paycheck After CHAMP
Taxable Income Reduced through Section 125
Monthly Income
$4,000
Taxes Reduced to
($508)
CHAMP Plan
($190)
*Funded by Tax Savings
Take-Home Pay
$3,302
Savings at Glance
Monthly Pay Increase AFTER Funding Plan
$112*
Taxes Saved
$302
CHAMP Employee Net Cost - Sent to Champ
$(190.00)
Immediate Payroll Tax Savings
Employers save on reduced matching FICA taxes the moment CHAMP is implemented.
Gross FICA Savings
$91.80 -
7.65% × $1,200 pre-tax deduction
CHAMP Plan Cost
$(44.00)
Per employee per month
Net Monthly Savings
=$47.80
After paying Champ
Annualized Savings by Team Size
10 Employees
$5,736/yr
10 × $47.80 × 12
50 Employees
$28,680/yr
50 × $47.80 × 12
100 Employees
$57,360/yr
100 × $47.80 × 12
What You Send to Champion Health
Monthly Bill Cycle
$190
Employee Funded Portion
Employee Withholdings
Would have been paying in wages, but now redirected
+
$44
Employer Sponsored Portion
Administrative Cost
Comes directly from your $91.80 savings
↓
$234
Sent to Champ, Per Enrolled Employee Per Month - Billed in Arrears
How to Access your Payroll Savings Report?
Payroll Savings Report
To calculate your savings, just send ONE pay period of payroll data.
Gross Pay
Total earnings before any deductions
Employee Taxes
Federal, State, Social Security, Medicare — broken out separately
Employee Deductions
Health insurance, 401(k), benefit deductions — itemized
Net Pay
Final take-home pay after all taxes and deductions
The CHAMP Plan™
The CHAMP Plan™