InsMark CHAMP Forum - Recent Posts

HOW TO GET STARTED, Register and Set Password and then Start Posting!

insmark_forum_admin — Wed, 06 Aug 2025 17:35:54 +0000

1 - Look at the menu bar for the button to (Register) fill in info and submit and then open your email and reset password to create your account.

2 - Once registered -> Click Add Topic to create a new post.

3 - See my screenshots below to better understand.

4 - Here is a video for the entire process: --> https://youtu.be/xmJRAj-P4wg

1-Register-to-join-forum.png

6-Add-topic-to-forum.png

Need any HELP with logging in or resetting your password? ---> Contact Tony States

insmark_forum_admin — Wed, 06 Aug 2025 17:35:04 +0000

Hi Everyone,

If you need any help, you can contact Tony States.

tony@insmark.com

(208) 477-1092

Thank you!

RE: Champ Plan

neilcw67 — Tue, 10 Jun 2025 16:39:46 +0000

Hi,

Hope all is well. My name is Neil. I am the Operations Director for the Champion Health licensed agent Greg Stopp who will be teaming with Mike Anarumo (who presented the webinar) to assist you with any questions regarding the Champ Plan and to assist with arranging any presentation meetings (and all necessary follow-up) for any prospective clients you may have (assuming, of course, you ever decide to promote this plan).

FYI - all webinar attendees will be receiving an email from Greg Stopp later this week introducing himself and providing you his contact info. Greg (and I) will also be reaching out soon to:

1. Inform you about the details relative to our new Champ Plan Referral Program, including what to do if you have a prospective client and the compensation details (as we didn't have time on the webinar to explain these very important details).

2. Provide you some informative Champ Plan marketing brochures which are designed to send to any CEO, CFO or Head of HR.

_______________

Regarding your social security questions/concerns, we did pass them on to Mike at Champion Health.

Here was Mike's response:

Hey guys!

Every Section 125 plan an employee participates in (excluding pre-tax retirement contributions) effects Social Security. There are many variables for sure - one of those being the longer someone is on the plan and the higher potential of it having increasingly negative effects in SS payouts; but in the same breath, the longer someone is on the plan, the longer they are realizing increased take home pay that would far outweigh the decrease when collecting SS.

Another variable that plays into the length someone is on the plan is their income level when they are participating - an average person in the US will work for 12-13 companies in their lifetime.

As mentioned in the beginning - all Section 125 plans affect Social Security - attached doc for more details.

________________

In addition to Mike's response above, Greg indicated it is also important to point out that while an employee is enrolled in the Champ Plan, they (and their family) are also saving money through the plan benefits (which adds up over many years) such as:

Unlimited Primary Care Doctor / Urgent Care Visits

The Plan pays 100% of the office visit charges for First Health Providers for the employee. (Employee Only)

100% Preventative Care

The Plan pays 100% of services required by the Patient Protection and Affordable Care Act through First Health Providers. (Employee Only)

Unlimited Prescriptions $0-$1 Copay

No copay or cost for 85% of the most commonly prescribed medications within the Champ formulary (Employee plus family)

Direct Primary Care (Employee plus family)

$0 CostUnlimited access to a Concierge’s advocate approach to health care.
It’s having a doctor available 24/7 at your beck and call.

Personal & Mental Health Care (Employee Plus Family)

Proactive Medical Care to help identify potential health risks
Access to private consultations

Unlimited Virtual Veterinary Consultations 24/7

Our Licensed Veterinary professionals inform, advise and guide you on the steps to take for the health and well-being for cats, dogs, horses, birds, and more. (Employee plus Family)

I hope this helps to alleviate some of you concerns regarding how the Champ Plan affects Social Security.

FYI - Greg and I can easily arrange a private Zoom call with Mike at Champion Health so we can address your questions/concerns in more detail over the phone.

You can expect to receive an email from Greg later this week.

We look forward to explaining the details of our new referral program, and hopefully getting the opportunity to work together.

Best Regards,

Neil

PS: SEE ATTACHED

CHAMP-PLAN-SOCIAL-SECURITY.pdf

Champ Plan

Glen Oaks — Thu, 29 May 2025 18:24:28 +0000

I was on the webinar reviewing the Champion Health Plan. I have some information that I think is critical to be known. I have been involved with another organization offering a similar program. I believe that the these type of plans are eligible for the tax relief as they are set up to comply with the tax codes. This is my opinion, I am not a tax expert. The issue I have with these plans and the organizations marketing them is the Social Security issue for the employees. Both the company I am involved with and Champion Health brush this under the table, saying that the effect in their Social Security income for retirement is insignificant. No one has given me examples though the gentleman on that webinar mentioned 2 or 3 dollars a month loss in benefits for the employee. I know that he doesn't know the subject and just repeats something that he was told. He mentioned that Social Security takes the person's highest 39.5 years salary in figuring out their Primary Insurance Amount. It is 35 years of the highest earnings years, adjusted for inflation. I have run some Social Security reports reducing a worker's income by $14,400 (which is what this program does) and the results that I have gotten are that the retirement benefits are reduced by $175 to $250 per month for the rest of that person's life! That is not insignificant in my mind. There are a lot of variables. The person's income, how long they participate in the program, spousal benefits etc. I would really like to market these plans so if anyone can prove me wrong, that would be great, but I will need proof.

Need any HELP with logging in or resetting your password? ---> Contact Tony States

insmark_forum_admin — Thu, 29 May 2025 15:17:22 +0000

Hi Everyone,

If you need any help, you can contact Tony States.

tony@insmark.com

(208) 477-1092

Thank you!

Great Webinar!

Advisor7 — Wed, 28 May 2025 16:47:45 +0000

I thought the webinar was great!

HOW TO GET STARTED, Register and Set Password and then Start Posting!

insmark_forum_admin — Fri, 09 May 2025 17:04:38 +0000

1 - Look at the menu bar for the button to (Register) fill in info and submit and then open your email and reset password to create your account.

2 - Once registered -> Click Add Topic to create a new post.

3 - See my screenshots below to better understand.

4 - Here is a video for the entire process: --> https://youtu.be/xmJRAj-P4wg

1-Register-to-join-forum.png

6-Add-topic-to-forum.png

We received feedback from one of InsMark’s software licensees that the CHAMP Plan employee benefits plan will not survive a tax audit.

insmark_forum_admin — Fri, 09 May 2025 16:02:33 +0000

Hi Everyone,

We sent out an email a few days ago about a webinar with Champion Health regarding their employee benefit product called the CHAMP Plan. We received feedback from one of InsMark’s software licensees that the CHAMP Plan employee benefits plan will not survive a tax audit. We take this very seriously, and you should as well.

Here is what we have determined so far:

1. Champion Health is a relatively small company offering the CHAMP Plan since 2018;

2. Champion Health has told us that the CHAMP Plan has been adopted by thousands of companies (most of them small businesses);

3. The CHAMP Plan has not yet been audited by the IRS. This could be positive or negative depending on your perspective;

4. Champion Health has hired a medium-sized law firm (Fraser Stryker) who has provided analysis and opinions asserting that the CHAMP Plan does meet all of the requirements and that the benefits provided are valid and will survive a tax audit. Specifically, Emily Langdon (https://www.fraserstryker.com/attorney/emily-langdon/) is the attorney providing these opinions, and she is a partner and leads Fraser Stryker’s practice on employee benefits, ERISA and executive compensation. Click the links below for information about some of her comments on this subject:

https://champplan.com/news/too-good-to-be-true-public-version/

https://champplan.com/news/erisa-update-public-version/

https://champplan.com/news/champplan-faq-fraser-stryker-public-version/

5. Miami Dade County (one of the largest municipalities in the U.S. with 30,000 employees) has been evaluating the CHAMP Plan for the past 12 months and is now moving forward with adoption of the plan. We will keep you updated on this as we learn more.

The benefits of the CHAMP Plan are significant for employers and employees…if the plan qualifies under the current tax code.