CHAMPION HEALTH (aka The Champ Plan):

Every company, and we mean every company, should use the Champ Plan for the following reasons:

(1) guaranteed payroll tax savings of nearly $600/employee/yr. (PEPY);

(2) improved health;

(3) improved benefits, and;

(4) increased bring-home pay to the employees;

This value-added plan is our flagship product and can be used in conjunction with any major medical plan without any replacement or interference to it. In fact, it will enhance its overall effectiveness, and some carriers are offering premium discounts if the Champ Plan being used. At its core, it's a health management plan that takes into account the health of each employee and creates a proactive gameplan to improve or maintain their health. This isn't a wellness plan. It's health management. Your employees will be healthier and more productive in the long run. This health management approach only requires 5-10 minutes/month for the employees.

In addition to that, employees get the following benefits listed below, and it's important to note that the Champ Plan offloads these service costs from your major medical plan to lower claims costs. All services noted below are unlimited:

• $0 copay for Primary Care visits;

• $0 copay for Urgent Care visits;

• $0-$1 copay for Rx (for 80% of the most commonly prescribed generic meds);

• $0 copay for Virtual Direct Primary Care Services;

• $0 copay for Virtual Mental and Behavioral Health;

• $0 copay for Virtual Vet Care (for cats & dogs);

• $0 copay for Virtual Physical Therapy;

DEFINED CONTRIBUTION PLANS:
Sometimes known as the 401(k) of group insurance. This allows for individuals to get their own individual health plan under the group umbrella of coverage. This gives employers more control of their budget and they determine exactly what they want to spend. The results speak for themselves:
• Creates a 30-40% savings over the typical group coverage;
• Employees get an individual plan that's best for them and their respective needs;

• Plans are guaranteed issue, with a waiver of any pre-existing conditions;

• Group renewals (and the typical increases) are a thing of the past;

• Significant tax advantages;

SMART HEALTH SHARING PLAN:
Designed specifically with small groups and self-employed in mind. It's a great hybrid product of insurance coverage for doctor and Urgent Care visits, while the sharing portion picks up the tab for 100% of the cost for catastrophic events (after you pay either $1,000 or $2,500 in the unshareable amount, which is equivalent to a deductible). The results speak for themselves:

• No religious or tobacco exclusions;

• Minimal out-of-pocket exposure;

• Affordable rates;

• Section 125 compatible, allowing for the use of pre-tax dollars to be used for premiums;

• Guaranteed acceptance (some pre-existing considerations apply);

FULLY INSURED | LEVEL-FUNDED | SELF-FUNDED PLANS:
We can still offer these plans, although they are becoming less sustainable for groups as a stand-alone option. However, we have unique products that can work in conjunction with these types of plans to reduce costs and improve or maintain the desired coverage.