Health Benefits and Increased Take-Home Pay

Learn how to make the most out of your Champ Plan account provided by The Policy Shop. Access virtual care, primary care, prescriptions, and more—all while optimizing your health and reducing healthcare costs.

At The Policy Shop, we understand the importance of maintaining a healthy lifestyle while keeping healthcare costs manageable. That’s why we’ve introduced the Champ Plan—a personalized health and wellness program designed to complement your existing healthcare coverage, offering you more care options for less money. (Introduction to the Champ Plan | section 125 Plan)

Whether you’re looking to prevent chronic illnesses like heart disease or cancer, or you just want to stay on top of your health, the Champ Plan can help you achieve your wellness goals while improving your financial health.

What is the Champ Plan?

The Champ Plan is a Section 125 plan designed to work alongside your major medical coverage, providing you with additional benefits at no extra cost. It doesn’t replace your existing health insurance but works in tandem with it to offer preventive and proactive services that are both affordable and effective.

Here’s how you can get started:

Step 1: Logging Into Your Champ Plan Account

To begin using your Champ Plan, visit the Champ Plan Web Portal at app.champplan.com. This is where you’ll access your personal health dashboard, complete assessments, and track your progress.

• Initial Health Risk Assessment: Start by completing your health risk assessment. This helps us understand your current health status and tailor the program to fit your needs.
• Monthly Activities and Assessments: Throughout the year, you’ll be prompted to complete various health activities, assessments, and health coaching modules. These not only help you improve your wellness but also contribute to additional benefits on your paycheck.

Step 2: Download the Champ Plan Mobile App

For easy access to all the Champ Plan benefits on the go, download the Champ Plan app from the App Store or Google Play. The app provides a convenient way to:

• Track your health activities
• Access your personal health dashboard
• Schedule virtual primary care visits and urgent care consultations
• Review available prescriptions and find participating pharmacies
• Explore health tips and educational resources

The app includes several sections designed to help you stay healthy and informed, including:

1. Care Section: Access virtual primary care and urgent care services at no extra cost. You can schedule virtual consultations with doctors for routine checkups or urgent concerns.
2. Prescription Section: Enjoy affordable prescription coverage, with $0 cost for preventive prescriptions and reduced costs for chronic prescriptions.
3. Mental Health Section: Take advantage of mental health support, including AI-driven coaching and virtual therapy, all included at no additional charge.
4. Preventative Care: Stay on top of preventative screenings and health check-ups to catch potential issues before they become serious.
5. Pet Care Section: Keep your pets healthy with access to virtual veterinarian consultations.

Step 3: Understanding Your Benefits

Zero Cost Care

One of the standout features of the Champ Plan is the access to zero-cost care. This includes:

• Unlimited in-network primary care visits
• Unlimited urgent care visits within the First Health Network
• Virtual primary care consultations for comprehensive checkups, available 24/7 at no extra charge
• Zero-cost prescriptions for preventive medications

Prescription Coverage

Your Champ Plan includes prescription benefits through a network of over 70,000 pharmacies, ensuring that you can access your medications locally. The plan features:

• $0 copay for preventive medications
• $1 copay for chronic prescriptions, limited to 12 per year
• An extensive formulary of approved medications available directly through the app

Make sure to use your Champ Plan Rx ID card when filling prescriptions. You can also check if your medication is covered by using the app’s search tool.

Step 4: Using the Virtual Care Features

The Champ Plan offers virtual consultations with primary care providers and urgent care physicians, so you can get the care you need without leaving home.

• Virtual Primary Care: Schedule 30-45 minute consultations with a physician for checkups and ongoing care.
• Virtual Urgent Care: Get immediate medical attention for urgent issues, available 24/7 through the app.
• Mental Health Support: Access virtual therapy and AI-driven coaching to help with emotional well-being and mental health support.

Step 5: Take Advantage of the Tax Benefits

As a Section 125 plan, the Champ Plan offers tax advantages that can increase your take-home pay. By participating in the plan, you’ll see two key benefits on your paycheck:

1. Pre-tax deductions that reduce your taxable income
2. Non-taxable additions that increase your net take-home pay

This tax structure helps you save money while getting comprehensive health benefits. Our benefits counselors are available to assist you with any questions regarding your paycheck and tax deductions.

Step 6: Add Dependents to Your Plan

You can also add your dependents to the Champ Plan and extend these valuable benefits to them. Dependents will receive:

• Access to virtual direct primary care
• Prescription benefits, including $0 preventive medications
• Mental health support, including virtual therapy for your family

Step 7: Contacting Support

If you have any questions or need assistance with your Champ Plan account, our team is here to help. Our benefits counselors are available to guide you through the plan, assist with any enrollment issues, and answer any questions you may have about using the plan effectively.

The Champ Plan is designed to enhance your health and wellness while offering you financial benefits. Whether you’re looking to manage existing health conditions or prevent future risks, the Champ Plan provides you with the tools and resources you need to succeed.

Ready to start taking full advantage of your Champ Plan? Contact The Policy Shop today to learn more about how you can optimize your health and enjoy the benefits of better care, at a lower cost.