The Champ Plan is a pre-tax deduction advantage for supplemental health benefit program integrated under an IRS Section 125 IRC Cafeteria Plan. 


An IRS Section 125 IRC Cafeteria Plan is an employee benefits program approved by the IRS under IRS Section 125 IRC Cafeteria Plan of the Internal Revenue Code, allowing employees to choose between taxable compensation (such as regular wages) and a package of qualified, tax-free benefits.


It provides a complete supplemental health and wellness program at zero cost to the employer and zero cost to the employee.

Pre-tax deduction payroll savings funds the entire Champ Plan program. So, employers pay less in payroll taxes, and employees see more in their paycheck.

The Champ Plan doesn’t replace your major medical coverage — it complements it.