The CHAMP Plan
Zero-Cost Employee Benefits Program
A Proactive Approach to Union Member Well-Being
The CHAMP Plan™, offered through Union Plan 125, takes a proactive approach to strengthening your members’ mental, physical, and financial well-being — all at zero net cost to your union, your members, or participating employers.
This innovative program delivers preventive health and wellness benefits for union members and their families through a fully integrated, interactive app — giving every participant access to care, guidance, and resources designed to keep them healthy and supported year-round.
Built as a pre-tax deduction advantage, preventive medical overlay, the CHAMP Plan™ is not a replacement for your existing healthcare plan — it’s a powerful complement that enhances coverage, reduces out-of-pocket costs, and helps create a stronger, healthier union community.
How It Works
1
Enrollment via
The CHAMP Plan
2
Pre-tax savings
fund the plan
completely
3
Members receive
supplemental
coverage at zero
out-of-pocket cost
Employee Benefits
UNION MEMBERS
Average Pay Increases*
$123.00
Per member/per month
24/7/365 Access to:
100% Unlimited Prevention Medical Physical and Health Wellness Care
$0 Copay
$0 Deductible
For Members Only:
In-Person Primary Care
In-Person Urgent Care
Virtual Benefits for Member & Family
Average varies based on the member’s region, job classification, and other factors contributing to savings and equivalent amounts.
Unlimited Primary Care Doctor/Urgent Care Visits (Employee only)
- The Plan pays 100% of the office visit charges for First Health Providers for the employee. Telehealth or in person
At Home Testing (Employee Only)
- Easy to use kits sent directly to your door step. The kits include a variety of test, such as: Complete Metabolic Panel, Complete Blood Count, Enhanced Lipid Panel and more. All designed to be proactive in individual’s health.
- Detect Cancer
Prescriptions $0 Copay (Employee plus family)
- Access to hundreds of medications for $0 copays. Includes common and essential medications (excluding high-cost specialty)
Vitals Tracking FDA Approved Registered Platform (Employee plus Family)
- Monitor your vitals with “Smart Device” (Phone or Watch) from the comfort of your home
- Scan face for 30 seconds: Breathing rate, Blood Pressure, Stroke, Oxygen Saturation (obstructive pulmonary disease) example COPD, Heart failure, cardiopulmonary disorders
- Sync vitals for: Weight, Heart rate, Body temperature, Steps, Sleep score
100% Preventive Care (Employees only)
- The Plan pays 100% of the services required by the Patient Protection and Affordable Care Act through First Health Providers. Telehealth or in person!
Personal & Mental Healthcare 24/7 (Employee plus family)
- Proactive Medical Care to help identify potential health risks
- Access to private consultations
- Speak with licensed professionals
- Anxiety, Depression, Ideation, seen quickly not waiting weeks to see Physician or licensed individual
Unlimited Virtual Veterinary Consultations 24/7 (Employee plus Family)
- Our Licensed Veterinary professionals provide video consults and prescriptions for dogs, cats, horses, birds, and more.
Direct Primary Care (Employee plus family)
- $0 Cost Unlimited access to a Concierge’s advocate approach to health care.
- It’s having a Doctor available 24/7 at your beck and call.
MANDATORY Annual Risk Assessment
PLUS…Your Members Access The CHAMP Plan™ Through a Smartphone App
Smart Technology. Real Results. Zero Cost.
The CHAMP Plan™ uses advanced telehealth technology with an AI-powered mobile app to give members 24/7 access to preventive and proactive healthcare — from wellness monitoring to early risk detection — all at zero out-of-pocket cost.
Exclusive Benefit: Personal Health Manager
Each member receives access to a Personal Health Manager, a powerful feature that helps employees take charge of their well-being. Through the app, members can track vital health data, receive personalized recommendations, and build healthier habits — all from their smartphone. By keeping members engaged and supported year-round, the CHAMP Plan™ improves overall wellness, reduces long-term health risks, and makes healthcare simple, convenient, and effective for every union member and their family.
Frequently Asked Questions
Is this an insurance plan?
No — The CHAMP Plan™ is not insurance. It’s a pre-tax deduction advantage supplemental health and wellness program offered through a Section 125 IRC Cafeteria Plan. That means it works alongside your existing insurance, providing additional preventive care, wellness services, and everyday health access — all at zero out-of-pocket cost to members or the union. It complements, rather than replaces, traditional insurance coverage.
How is it zero-cost?
The program is completely funded through pre-tax payroll savings allowed under IRS Section 125 IRC Cafeteria Plan. When members enroll, a small portion of their pay is redirected before taxes to cover the CHAMP Plan’s wellness benefits. Because this lowers taxable income, both employees and employers save on FICA and payroll taxes — enough to fund the program in full. The result is a powerful win-win: enhanced member benefits with no additional cost to the union, its members, or participating employers.
Do I have to change insurance?
The program is completely funded through pre-tax payroll savings allowed under IRS Section 125 IRC Cafeteria Plan. When members enroll, a small portion of their pay is redirected before taxes to cover the CHAMP Plan’s wellness benefits. Because this lowers taxable income, both employees and employers save on FICA and payroll taxes — enough to fund the program in full. The result is a powerful win-win: enhanced member benefits with no additional cost to the union, its members, or participating employers.
What about members who already have major medical?
Members can absolutely keep their existing major medical coverage. The CHAMP Plan™ is a preventive overlay, designed to enhance current healthcare — not interfere with it. It provides access to services that traditional insurance often doesn’t cover fully, such as unlimited primary-care visits, mental-health support, and telehealth for families and even pets. By adding the CHAMP Plan, members enjoy greater access to care, fewer out-of-pocket expenses, and overall better health outcomes — without making any changes to their current insurance.
Do employees need to change providers or medical care?
No. Employees who enroll in The CHAMP Plan™ can continue to use the same providers and receive the same medical care they’re already receiving through their traditional medical insurance. The CHAMP Plan™ can provide additional options for better quality care and cost savings as identified by the physician of record, but employees are not required to take those options.
How do I implement this plan to my employees?
It’s simple! Once you send us a copy of the census, we can begin to identify your potential savings per employee.
What prescriptions are covered?
A robust list of nearly 200 generic and brand name prescriptions is covered by The CHAMP Plan™, including many of the nation’s top-prescribed drugs such as simvastatin and atorvastatin for high cholesterol, amlodipine and lisinopril for high blood pressure, levothyroxine for hypothyroidism, and bupropion for tobacco cessation, as well as antibiotics like azithromycin and amoxicillin, pain management medications like gabapentin and meloxicam, and mental health medications like lorazepam and clonazepam (see formulary list for full details). Prescriptions not on the list may also be covered at a significant discount.
Can we begin participating in the program at any time?
Yes, and every month you wait, you’re losing out on potential FICA savings per employee!