How the Section 125 Plan Helped

Ignoring Checkups Due to High Costs

Employee, a 42-year-old warehouse manager, had always been in good health—at least, that’s what he thought. Like many Americans, he avoided going to the doctor unless something was seriously wrong. His reasoning? Healthcare was just too expensive.

Even though his employer provided health insurance, the high premiums, large deductible, expensive copays, and out-of-pocket costs made him opt out of the major medical plan offered. But when his company introduced the Champ Plan under a Section 125 Employee Wellness Program, he now had access to healthcare that didn’t cost him in premiums and offered $0 preventative screening along with $0 primary care. 

Access to Preventive Care with $0 Copays

With the Champ Plan, Employee learned that he could see a doctor with no copay. For the first time in over a decade, he scheduled a routine physical. During the visit, his doctor ran standard tests—and that’s when things took an unexpected turn.

The lab work showed abnormal PSA levels, a possible indicator of prostate cancer. Additional tests confirmed early-stage cancer. Had he waited any longer, it could have progressed undetected. Thanks to early detection, was able to get treatment before it became life-threatening.

A Life-Saving Employee Benefit

“If it weren’t for the Champ Plan, I wouldn’t have gone to the doctor. I wouldn’t have known anything was wrong, and I don’t even want to think about where I’d be today.”

For Employee, this wasn’t just a workplace perk—it was a life-changing benefit. His employer, who initially saw the plan as a way to save on payroll taxes, now realized its true impact on employee health and well-being.

Conclusion: Healthier Employees, Stronger Businesses

Employee’s story highlights a critical point: preventive care saves lives. By removing financial barriers to routine checkups, the Champ Plan | Section 125 plan helps employees stay proactive about their health—and in this case, it made all the difference.

If you’re an employer looking to provide better benefits at no additional cost, or an employee wondering how the Champ Plan can help you, contact The Policy Shop today. A simple conversation could be the first step toward better health and financial savings.